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/. 1u2ine22 O#er#iew 13014 11. 1oard of -irector2 1501! 12. Partner2 of the Co*any 1%01) 13. Product2 of the Co*any 1+ 14. ,eliance 3ife 4n2urance 2/02! 14.1 4n2urance Plan2 2%03! 15. ,eliance -eat Account 3%043 1!. ,eliance 5utual Fund 44054 1%. ,eliance .eneral 4n2urance 5505+ 1). 5arket Analy2i2 !/0!4 1+. ,ecoendation !5 2/. 1ibliogra*hy !! 21. Conclu2ion !% 1 Frankly 2*eaking6 any "ob or the ta2k6 ha#e the 2*ecific ob"ecti#e i.e. what i2 need and what i2 the re7uireent of the *articular work. 4n the 2ae way y ob"ecti#e i2 al2o to learn 2oething fro the 2uer intern2hi* *rogra . 4t ean2 that the training *rogra in any re*uted co*any gi#e the arket knowledge of it2 2ub"ect atter of 2tudy. $he right choice of the co*any in which a 2tudent ha2 to do the training i2 al2o the *art of the learning and what he82he want2 to learn in the 2uer training. 4n the 2hort 2*an 2ince the in2urance 2ector wa2 o*ened u*6 any co*anie2 ha#e literally dictated the arket92 e#olution. Catering to all age and incoe 2egent26 the co*any 2tated out with the traditional in2urance *olicie2 that were ea2y to under2tand6 the idea wa2 to entice cu2toer2 u2ed to 34C92 2tyle of functioning. ,eliance oney began e'*loring new area2: it introduced odern *roduct26 like ;nit0 linked Product where return are linked to the arket *erforance of the underlying a22et2. ,eliance 5oney lead2 and #irtually all *araeter2: 2ize of agent force6 nuber of *olicie2 2old6 total 2u6 total 2u a22ured6 *reiu incoe and *roducti#ity of agent2 it ha2 2et e'acting 2tandard2 for it2 range of *roduct26 rider2 offered6 7uality of inforation in *rootional aterial and e#en in the in2urance awarene22 e#ent2 organized. <hat ha2 been in fa#or of ,eliance 5oney i2 the range of *roduct in each 2egent of life in2urance0traditional6 unit0linked and 2ingle *reiu o*tion6 that are for retireent *lan or child *lan. <ith 2uch a co*rehen2i#e bou7uet6 it cater2 to the financial goal2 of a cu2toer. ,eliance 5oney a growing re*uted co*any gi#e the good *latfor in 2elling of the *roduct like in2urance6 &7uity = cooditie26 deri#ati#e6 4PO926 off2hore in#e2tent6 utual fund6 gold coin2 etc. (o the ob"ecti#e of 2tudy i2 to 2ee in the ba2ket of *roduct and 2ati2faction of cu2toer2 with the co*any through re2earch work in 1okaro.
2 $hi2 *ro"ect ha2 been a great learning e'*erience for e6 at the 2ae tie it ga#e e enough 2co*e to i*leent y analytical ability. $he fir2t *art gi#e2 an in2ight about the -eat Account6 3ife 4n2urance6 .eneral 4n2urance and utual fund2 and their2 #ariou2 a2*ect2. 4t i2 *urely ba2ed on whate#er 4 learned at ,eliance 5oney. One can ha#e a brief knowledge about utual fund2 and all it2 ba2ic2 through the *ro"ect. Other than that the real 2er#ing2 coe when one o#e2 ahead. (oe of the o2t intere2ting 7ue2tion2 regarding the2e *roduct2 ha#e been co#ered. (oe of the are> <hy ha2 it becoe one of the large2t financial interediarie2? @ow in#e2tor2 do cho2e between fund2 and the2e *roduct2? 5o2t *o*ular 2tock2 aong fund anager26 o2t lucrati#e 2ector2 for fund anager26 a 2*ecial re*ort on (y2teatic 4n#e2tent Plan6 doe2 fund *erforance *er2i2t2 and the to**ing of all the 2er#ing2 in the for of *ortfolio analy2i2 tool and it2 a**lication. All the to*ic2 ha#e been co#ered in a #ery 2y2teatic way. $he language ha2 been ke*t 2i*le 2o that e#en a layan could under2tand. All the 7uarrie2 of the cu2toer a2ked by the had been 2ol#ed with the 2u**ort of the 2enior2 in the organization. $he *roble2 of the cu2toer were being recorded for the *ur*o2e of the re2earch and de#elo*ent.
3 $he 2co*e of the 2tudy refer2 to the "ob that to know about the acti#itie2 of the organization. $he 2tudy ean2 that the analy2i2 of the *roduct2 of the co*any on which he82he ha2 to focu2. -uring the 2uer training the #olunteer need to find out the cor*orate 2trategie2 of the running co*any and the ile 2tone which the co*any ha2 co#ered during it2 "ourney. 4n the 2uer training6 it i2 nece22ary for the 2tudent that he 82he in#ol#e with the e'*erience guy2 to get the knowledge about the co*any. $hat i2 how the co*any ha2 got the 2ucce226 Or if it i2 going in the lo226 why. 4n y training *eriod 4 ha#e found that the reliance grou* i2 the bigge2t grou* in 4ndian co*anie2. 4 felt that 4 can learn the ore in the ,eliance 3ife 4n2urance 3iited. ,eliance 3ife 4n2urance 3iited i2 the *art of the ,eliance Ca*ital 3iited which i2 a growing co*any in the financial *roduct2. ,eliance Anil -hirubhai Abani grou* i2 al2o deal2 in counication6 energy6 natural re2ource26 edia6 and entertainent6 healthcare and infra2tructure.
4 5 Reliance money i2 a *art of the reliance Anil -hirubai Abani .rou* and i2 *rooted by ,eliance ca*ital6 the fa2te2t growing *ri#ate 2ector financial 2er#ice2 co*any in 4ndia6 ranked aong2t the to* 3 *ri#ate 2ector financial co*anie2 in ter2 of net worth. ,eliance oney i2 a co*rehen2i#e financial 2olution *ro#ider that enable2 you to carry out trading and in#e2tent acti#itie2 in a 2ecure6 co2t0effecti#e and con#enient anner. $hrough reliance oney6 you can in#e2t in a wide range of a22et cla22e2 fro &7uity6 &7uity and coodity -eri#ati#e26 5utual Fund26 in2urance *roduct26 4PO92 to a#ailing 2er#ice2 of 5oney $ran2fer = 5oney changing. ,eliance 5oney offer2 the con#enience of on0line and offline tran2action2 through a #ariety of ean26 including it2 Portal6 Call = $ran2act6 $ran2action Aio2k2 and at it92 network of affiliate2. (oe key 2te*2 of the co*any that are a2B.. Success is a journey, not a destination. 4f we look for e'a*le2 to *ro#e thi2 7uote then we can find any but there i2 none like that of ,eliance 5oney. $he co*any which i2 today known a2 the large2t financial 2er#ice *ro#ider of 4ndia. Reliance Capital Reliance Life Insurance Reliance General Insurance Reliance Money Reliance Consumer Finance Reliance Mutual fund Mutual Fund ! Success sutras of Reliance Money: $he 2ucce22 2tory of the co*any i2 dri#en by ) 2ucce22 2utra2 ado*ted by it naely trust, integrity, dedication, commitment, enterprise, hard work and team play, learning and innovation, empathy and humility. $he2e are the #alue2 that bind 2ucce22 with ,eliance 5oney. Vision of Reliance Money $o achie#e = 2u2tain arket leader2hi*6 ,eliance 5oney 2hall ai for co*lete cu2toer 2ati2faction6 by cobining it2 huan and technological re2ource26 to *ro#ide world cla22 7uality 2er#ice2. 4n the *roce22 ,eliance 5oney 2hall 2tri#e to eet and e'ceed cu2toerC2 2ati2faction and 2et indu2try 2tandard2. 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. % ,eliance Ca*ital ha2 intere2t2 in a22et anageent and utual fund26 life and general in2urance6 *ri#ate e7uity and *ro*rietary in#e2tent26 2tock broking6 de*o2itory 2er#ice26 di2tribution of financial *roduct26 con2uer finance and other acti#itie2 in financial 2er#ice2. ,eliance 5utual Fund i2 4ndiaC2 no.1 5utual Fund. ,eliance 3ife 4n2urance i2 4ndiaC2 fa2te2t growing life in2urance co*any and aong the to* 4 *ri#ate 2ector in2urer2. ,eliance .eneral 4n2urance i2 4ndiaC2 fa2te2t growing general in2urance co*any and the to* 3 *ri#ate 2ector in2urer2. Reliance Money i2 the large2t brokerage and di2tributor of financial *roduct2 in 4ndia with ore than 2.5 illion cu2toer2 and the large2t di2tribution network. ,eliance Con2uer finance ha2 a loan book of o#er ,2. )6/// crore2 at the end of Dune 2//). ,eliance Ca*ital ha2 a net worth of ,2.!6 )!2 crore2 E;(F 1.! billionG and total a22et2 of ,2. 1+6+4/ crore2 E;(F 4.! billionG a2 of Dune 3/6 2//) and o#er 2!6/// e*loyee2. 5oney ha2 increa2ed it2 arket 2hare aong *ri#ate financial co*anie2 to nearly Con#enient = effecti#e H Anytie = anywhere financial tran2action ca*ability. 3aunched in A*ril 2//%. 4t *ro#ide2 the Flat fee2 2y2te. 4t ha2 2.2 illion cu2toer2 in 1 year of official launch. 4t ha2 o#er 56/// outlet2 acro22 %// town28citie2. A#erage daily turno#er H in e'ce22 of ,2 26/// crore2. Con2idering the entire life arket6 including the ,2. 126)+/ crore2 booked by life in2urance Cor*oration6 ,eliance life in2urance arket 2hare work2 out to around !.25I. $he life in2urance arket continuou2 to be doinated by 34C which ha2 about !%I 2hare thi2 only a arginal di* fro it2 %3I 2hare in end0Duly. $he2e co*ari2on2 are only for fir2t year or new bu2ine22 *reiu. $he ga* between ,eliance life in2urance and the 2econd0in0line *ri#ate in2urer i2 #a2t. 4n fact6 thi2 2cenario ha2 led 2oe analy2t2 to wonder if the co*any i2 not a trifle too ) aggre22i#e. 1ut other2 2ay thi2 ha2 ore to do with the co*anie29 cu2toer0centric focu26 it2 *an04ndia *re2ence and 2u*erior ri2k anageent and in#e2tent 2trategie2. ,eliance 5oney i2 not6 howe#er6 re2ting on it2 laurel2. Co*any92 cu2toer centric a**roach will be 2tudied during the training *eriod and the finding of the re2earch work will definitely focu2 on the *re2ent condition = future re7uireent Eif anyG relating to *roduct2 of co*any.
+ Anil Dhirubhai Ambani - Chairman ,egarded a2 one of the foreo2t cor*orate leader2 of conte*orary 4ndia6 (hri Anil - Abani6 5/6 i2 the chairan of all li2ted co*anie2 of the ,eliance A-A .rou*6 naely6 ,eliance Counication26 ,eliance Ca*ital6 ,eliance &nergy6 ,eliance Jatural ,e2ource2 and ,eliance Power. @e i2 al2o Chairan of the 1oard of .o#ernor2 of -hirubhai Abani 4n2titute of 4nforation and Counication $echnology6 .andhi Jagar6 .u"arat. $ill recently6 he al2o held the *o2t of Kice Chairan and 5anaging -irector in ,eliance 4ndu2trie2 3iited E,43G6 4ndiaC2 large2t *ri#ate 2ector enter*ri2e. Anil - Abani "oined ,eliance in 1+)3 a2 Co0Chief &'ecuti#e Officer6 and wa2 centrally in#ol#ed in e#ery a2*ect of the co*anyC2 anageent o#er the ne't 22 year2. @e i2 credited with ha#ing *ioneered a nuber of *ath0breaking financial inno#ation2 in the 4ndian ca*ital arket2. @e 2*earheaded the countryC2 fir2t foray2 into the o#er2ea2 ca*ital arket2 with international *ublic offering2 of global de*o2itary recei*t26 con#ertible2 and bond2. (tarting in 1++16 he directed ,eliance 4ndu2trie2 in it2 effort2 to rai2e o#er ;(F 2 billion. @e al2o 2teered the 1//0year Lankee bond i22ue for the co*any in Danuary 1++%. Amitabh Jhunjhunwala - Vice-Chairman (hri Aitabhabh Dhun"hunwala6 516 i2 a Fellow Chartered Accountant. @e ha2 #a2t e'*erience in the area2 of financial 2er#ice2 and ca*ital arket2. (hri Dhun"hunwala wa2 a**ointed to the 1oard on 5arch %6 2//3 and wa2 a**ointed Kice Chairan on 5arch 2/6 2//!. @e i2 a -irector on the 1oard of @arony Art Foundation and ,eliance Anil -hirubhai Abani .rou* P#t. 3td. Rajendra Chitale - Independent Director (hri ,a"endra P. Chitale6 4!6 an einent Chartered Accountant6 i2 the 5anaging Partner of 582 5. P. Chitale = A22ociate2. @e i2 a -irector on board2 of the Jational (ecuritie2 1/ Clearing Cor*oration 3iited6 A22et ,econ2truction Co*any E4ndiaG 3td6 @indu"a $5$ 3iited6 @$5$ .lobal (olution2 3td6 Abu"a Ceent 3iited6 (5& ,ating Agency of 4ndia 3iited6 42han ,eal &2tate P3C and ,eliance .eneral 4n2urance Co*any 3td. @e i2 al2o a eber of the ad#i2ory board of the 4n2urance and ,egulatory Authority of 4ndia E4,-AG. @e ha2 al2o 2er#ed on the board2 of 3ife 4n2urance Cor*oration of 4ndia6 ;nit $ru2t of 4ndia6 (14 Ca*ital 5arket2 3td.6 Jational (tock &'change of 4ndia 3td. and (all 4ndu2trie2 -e#elo*ent 1ank of 4ndia. Shri C. P. Jain (hri C.P. Dain6 !16 i2 the forer Chairan and 5anaging -irector of J$PC 3td. EJational $heral Power Cor*orationG. (hri Dain ha2 an illu2triou2 career 2*anning o#er four decade2 of contribution in the field2 of financial anageent6 general anageent6 2trategic anageent and bu2ine22 leader2hi*. @e i2 a fellow eber of the 4n2titute of Chartered Accountant2 of 4ndia with an ad#anced di*loa in 5anageent and i2 a law graduate. (hri C. P. Dain "oined the 1oard of J$PC in 1++3 a2 -irector EFinanceG6 wa2 ele#ated a2 Chairan = 5anaging -irector in (e*teber 2/// and 2u*erannuated in 5arch 2//!. @e i2 Chairan of the .lobal (tudie2 Coittee of <orld &nergy Council E<&CG6 worldC2 large2t energy J.O with nearly hundred eber0nation2. @e ha2 been on 2e#eral i*ortant coittee2 of the .o#ernent of 4ndia6 late2t being the CAdhoc .rou* of &'*ert2 on &*owerent of CP(&2C. @e wa2 Chairan of (tanding Conference of Public &nter*ri2e2 E(COP&G between A*ril 2//3 and 5arch 2//5. @e i2 a -irector on the 1oard of 43 = F( 4nfra2tructure -e#elo*ent Cor*oration and6 i2 al2o a eber of the Audit Ad#i2ory 1oard of the Co*troller and Audit .eneral of 4ndia.
14 ,eliance 3ife 4n2urance6 a *art of the ,eliance 0 Anil -hirubhai Abani .rou* i2 4ndiaC2 fa2te2t growing life in2urance co*any and aong the to* 4 *ri#ate 2ector life in2urer2. ,eliance 3ife 4n2urance ha2 a *an 4ndia *re2ence and a range of *roduct2 catering to indi#idual a2 well a2 cor*orate need2. ,eliance 3ife 4n2urance ha2 o#er %// branche2 and 16 )/6/// agent2. 4t offer2 2! *roduct2 co#ering 2a#ing26 *rotection = in#e2tent re7uireent2. ,eliance 3ife 4n2urance will endea#or to attain a leader2hi* *o2ition in the arket o#er the ne't few year26 by further e'*anding and 2trengthening it2 di2tribution network and offering a di#er2e array of *roduct2 to 2uit the #aried and 2*ecific need2 of indi#idual cu2toer2. Basics of Life Insurance hat i! "i#e In!urance$ An aount of oney *aid to 2oeone Ecalled beneficiaryG when the 3ife A22ured Ein who2e nae the in2urance *olicy i2 takenG die2. $hi2 aount can be u2ed to *ay the e'*en2e2 related to 3ife a22ured2 death or can be in#e2ted to generate incoe that will re*lace your 2alary. 3ife 4n2urance i2 an i*ortant tool in any in#e2tor2 *ortfolio = can be u2ed for 0 wealth creation6 a22et building6 *ro#ide for contingencie2 and retireent *lanning. 15 The main reason to buy Life Insurance is to provide income replacement for your loved ones %ype! o# "i#e In!urance Policie! 5o2t 4n2urance *olicie2 are a cobination of (a#ing2 = Protection. Product2 are forulated by either increa2ing or decrea2ing either one of the2e co*onent2. $he2e cobination2 can be broadly di#ided into 4 grou*2 0 ;34P2 0 $er 4n2urance 0 &ndowent Policie2 > <hole 3ife& ;nit 3inked etc 0 Annuitie2 = Pen2ion
1! Life Stage in Life Insurance !"#$ %&nmarrie d) 30-45 years Couples with children 45 yrs and ao!e Matured couple 'etire d #$"() *arried couples with no kids +o dependents, liabilities therefore need for insurance is less -ntroduction of dependents. Start of .nancial planning / balance between asset creation 0 protection 1eak earning age range. 2igh asset creation 0 build up of liabilities. 3ritical stage for dependents 4sset base build up 0 liabilities reduced, taken care of. +eed for retirement planning more than protection. +eed for protection low. 5reater need for regular income 6ow. 'ndowment ( )"IP*! 'ndowment ( )"IP*! + %erm Annuitie! 4t each stage, re7uirements, responsibilities and 8inancial needs di9er 1% Nee! Analysis in life Stages A"# STAT$S INS$RAN%# N##DS S$""#ST#D PR&D$%TS 1)yr2 0 25yr2 ;narried ,..o on a holiday 2.1uy a new Car 3.(et u* a new hou2e 4.(et u* 4nterior2 5.1uy "ewellery (hort $er &ndowent Product 25yr2 03/yr2 5arried ,.@igh -ebt6 high e'*enditure Pha2e 2.Faily de*endency on your incoe 3.3ow accuulated wealth 4.Jeed for Planning ,e7uireent $e*orary ter or whole life Product 3/yr2 0 45yr2 5atured cou*le ,.,etireent Planning 2.<ealth tran2fer or 2a#ing #ehicle2 3.,eturn2 on in#e2tent 4.O*ting for guaranteed Product Profit2 or ;nit 3inked &ndowent( -eferred annuitie2 !/yr2 and abo#e Po2t ,etireent 1.Protection in ca2e you li#e long 2.Protection for 2*ou2e in ca2e of death 3.<ealth accuulation for children 1.(ingle Preiu annuitie2 2.3ong ter care *roduct2 3.<hole life *roduct2 1) 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 keep Always on cruise and keep worrying about family and worrying about family and the loans. I need nancial the loans. I need nancial Protection if I do not return Protection if I do not return from one voyage from one voyage !avera has "ust !avera has "ust come to our lives. As come to our lives. As proud parents, #e proud parents, #e need to protect her need to protect her as well as create her as well as create her own nancial own nancial standing standing #orked for almost #orked for almost $% years, now want $% years, now want to live to live& &. I want . I want something that will something that will make my life 'hinta( make my life 'hinta( free after free after retirement retirement& &. . )ndowme nt Ter m Annuitie s 1+ Pro!ucts of Life Insurance 3ife 4n2urance *roduct2 are u2ually referred to a2 M*lan29 of in2urance. $he2e *lan2 ha#e two ba2ic eleent2: one i2 the N-eath Co#erO *ro#iding for the benefit2 being *aid on the death of the in2ured *er2on within a 2*ecified *eriod. $he other i2 the N(ur#i#al 1enefitO *ro#iding for the benefit being *aid on 2ur#i#al of a 2*ecified *eriod. Plan2 of in2urance that *ro#ide only death co#er are called N$er A22uranceO Plan2. Plan2 of in2urance that *ro#ide only 2ur#i#al benefit2 are called NPure &ndowentO Plan2. %erm "i#e In!urance $er 3ife 4n2urance *ro#ide2 *rotection for a 2*ecified *eriod of tie. A death benefit i2 *aid to the beneficiary if the in2ured die2 within a 2*ecified *eriod of tie while the *olicy i2 2till in force. hole "i#e In!urance <hole 3ife in2urance i2 a *eranent life in2urance and *ro#ide2 *rotection for life. A2 long a2 *reiu2 are *aid6 a death benefit i2 *aid to the beneficiary. )"IP! A ;34P i2 a life in2urance which *ro#ide2 a cobination of 3ife 4n2urance *rotection and in#e2tent. 5oney can be in#e2ted in the following fund>0 &7uity Fund6 -ebt Fund6 5oney 5arket Fund E3i7uid FundG and 1alance Fund. Annuitie! Annuitie2 are *ractically the 2ae a2 *en2ion. Pen2ion *ro#ide2 *eriodical *ayent2 to the e*loyee26 who ha#e retired. $hey are *aid a2 long a2 the reci*ient i2 ali#e. Annuitie2 are called the Nre#er2eO of 3ife 4n2urance.
2/ Solution! #or Indi-idual! - R.I $aking tie out fro your daily 2chedule to *lan your future i2 a nece22ary ta2k. Lou could do with 2oe hel*6 but who can hel* you? ,eliance 3ife 4n2urance i2 here with (olution2 for 4ndi#idual26 a 2erie2 of *lan2 that will hel* you ake wi2e in#e2tent26 *rotect your faily6 2ecure your child92 future and e#en chalk out a *lan for your retireent.
21
Protection Plan! Protect your faily e#en when you9re not around by in#e2ting in ,eliance Protection Plan2. Choo2e a liited *eriod *lan or a lifetie *rotection *lan de*ending on your need2. $he late2t Protection Plan2 are a2 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 3ife *lan +. ,eliance <hole 3ife *lan 1/. ,eliance <ealth P @ealth *lan 11. ,eliance Ca2h Flow *lan Sa-in/! 0 In-e!tment Plan! ,eliance (a#ing2 = 4n#e2tent Plan2 hel* you to 2et a2ide 2oe oney to achie#e 2*ecific goal2 in life6 which ean2 that you can en"oy life and *ro#ide for your faily92 daily need2. $he 2a#ing2 and in#e2tent Plan2 are a2 belowB '. ,eliance $otal 4n#e2tent Plan (erie2 4 0 4n2urance (. ,eliance <ealth P @ealth *lan ). ,eliance Autoatic 4n#e2tent *lan *. ,eliance 5oney .uarantee *lan +. ,eliance Ca2h Flow *lan ,. Reliance Mar-et Return plan 22 .. ,eliance &ndowent *lan /. ,eliance (*ecial &ndowent *lan 0. ,eliance <hole 3ife *lan '1. ,eliance .olden Lear2 Plan ''. ,eliance .olden Lear2 Plan Kalue '(. ,eliance .olden Lear2 Plan Plu2 '). ,eliance Connect 2 3ife *lan Retirement Plan! 4n#e2t today in ,eliance ,etireent Plan2 and 2a#e oney to en"oy life e#en after retireent. Lou will ne#er ha#e to de*end on another *er2on or ake any co*roi2e2 to aintain your current life2tyle. $he late2t ,etireent Plan2 are a2 belowB 1. ,eliance $otal 4n#e2tent Plan (erie2 44 H Pen2ion 2. ,eliance .olden Lear2 Plan 3. ,eliance .olden Lear2 Plan Kalue 4. ,eliance .olden Lear2 Plan Plu2 5. ,eliance <ealth P @ealth *lan !. ,eliance Autoatic 4n#e2tent Plan %. ,eliance 5oney .uarantee Plan Child Plan! (a#e 2y2teatically and 2ecure your child92 future need2 by in#e2ting in ,eliance Child Plan2. Lou can alway2 be there for your child when he or 2he need2 you. $he Child2 *lan2 are a2 belowB 1. ,eliance Child *lan 2. ,eliance (ecure Child *lan 3. ,eliance <ealth P @ealth *lan 23 Mar1et Return Plan ;nder $hi2 *lan the in#e2tent ri2k in the in#e2tent *ortfolio i2 borne by the *olicyholder. 1ey #eature! $win benefit of arket linked return and in2urance *rotection A unit linked *lan6 different fro traditional life in2urance *roduct2 with a'iu aturity age of )/ year2. O*tion to create your own *ortfolio de*ending on your ri2k a**etite. Choo2e fro four different in#e2tent fund2 Fle'ibility to 2witch between fund2 O*tion to *ay regular a2 well a2 2ingle *reiu = to*0 u*2 O*tion to *ackage your *olicy with accidental rider Fle'ibility to increa2e the 2u a22ured 3i7uidity through *artial withdrawal2 2ow doe! thi! plan wor1 $he *reiu *aid by the client net of *reiu allocation charge2 i2 in#e2ted in fund8fund2 of your choice and unit2 are allocated de*ending on the *rice of unit2 for the fund8fund2. $he fund #alue i2 the total #alue of unit2 that you hold in the fund8fund2. $he ortality charge2 and *olicy adini2tration charge2 are ducted through cancellation of unit2 wherea2 the fund anageent charge i2 *riced in the unit #alue. 3ene#it! 3ife co#er A22ured> in ca2e of unfortunate lo22 of life6 the beneficiary will get 2u a22ured or fund #alue6 whiche#er i2 higher. $he client can choo2e the ba2ic 2u a22ured within the iniu and a'iu le#el2 entioned below. Minimum !um A!!ured> 24 ,egular *reiu> annualized *reiu for 5 year2 or annualized *reiu for half the *olicy ter6 whiche#er i2 higher. (ingle *reiu> 125I of the 2ingle *reiu. Ma4imum !um A!!ured Jo liit E5//// for age u* to 12 year2G Maturity 3ene#it! On 2ur#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 -i2ableent 1enefit ,ider Ea#ailable only with the regular *reiu o*tionG. $hi2 benefit double2 the life co#erage in ca2e of accidental death or accidental total and *eranent di2ableent at a #ery noinal additional co2t. $he a'iu co#er i2 ,2. 5/6 //6/// *er life. 4n ca2e of accidental death of the life a22ured during the *olicy ter6 the accident benefit 2u a22ured will be *aid iediately in a lu* 2u. 4n ca2e of accidental total and *eranent di2ableent6 181/ th of the accident benefit 2u a22ured will be *aid at the end of each year for ten year2. 4f the total and *eranent di2ableent ha2 coenced6 the accidental death benefit co#er cea2e2. 4n ca2e of aturity or on death of the life a22ured before *ayent of all in2tallent2 of accidental total and *eranent di2ableent benefit26 the reaining un*aid in2tallent2 of any will be *aid in one lu* 2u along with death or aturity benefit. Accidental total and *eranent di2ableent ean2 di2ability cau2ed by bodily in"ury6 which cau2e2 *eranent inability to *erfor any occu*ation or to engage in any acti#itie2 for reuneration or *rofit2. $hi2 di2ability 2hould la2t for at lea2t ! onth2 before being eligible for accidental total and *eranent di2ableent benefit2. Accidental total and *eranent di2ableent include2 lo22 of both ar2 and both leg2 or one ar and one leg or of both eye2. 3o22 of ar2 or leg2 ean2 di2eberent by a*utation of the entire hand or foot. 3o22 of eye2 ean2 entire and irreco#erable lo22 of 2ight. 25 hat are the di##erent #und option!. <e under2tand the #alue of your hard earned oney and in our &ndea#our to hel* you grow your wealth6 we offer you 4 different tailor0ade in#e2tent fund2. Lou ha#e the o*tion to allocate your *reiu in the2e fund2 a2 you wi2h. %hey are5 ,. Capital Secure 6und5 $he in#e2tent ob"ecti#e of thi2 fund i2 to aintain the #alue of all contribution2 Enet of charge2G and all intere2t addition2. $hi2 fund offer2 2teady return for little ri2k. $he ri2k *rofile of thi2 fund i2 low. 4n#e2tent2 would be 1//I in bank de*o2it26 go#ernent bond2 and debt in2truent2 that offer financial 2ecurity. Further6 allocation in Ca*ital (ecure Fund for a *olicy i2 2ub"ect to a a'iu liit of 4/I at any tie. 7. 3alanced 6und5 $he in#e2tent ob"ecti#e of thi2 fund i2 to *ro#ide you with in#e2tent return26 which e'ceed the rate of inflation in the long ter while aintaining a low *robability of negati#e in#e2tent return2. @ere6 a a"or *ortion of your fund2 are in#e2ted in Fi'ed (ecuritie2 while a 2all *ercentage i2 in#e2ted in the e7uity arket6 which i2 e'*o2ed to arket o#eent2. $he ri2k *rofile of thi2 fund i2 low to ediu. 4n#e2tent2 would be at lea2t )/I in fi'ed intere2t 2ecuritie2 and a'iu 2/I in e7uitie2. 8. .rowth 6und5 $he in#e2tent ob"ecti#e of thi2 fund i2 to *ro#ide you with in#e2tent return26 which e'ceed the rate of inflation in the long ter while aintaining a oderate *robability of negati#e in#e2tent return2. A greater *ortion of your fund2 are in#e2ted in fi'ed 2! 2ecuritie2 while a 2all *ercentage i2 in#e2ted in the e7uity arket6 which e'*o2ed to arket o#eent2. $he ri2k *rofile of thi2 fund i2 ediu to high. 4n#e2tent would be at lea2t !/I in fi'ed intere2t 2ecuritie2 and a'iu 4/I in e7uitie2. 9. ':uity 6und5 $he in#e2tent ob"ecti#e of thi2 fund i2 to *ro#ide *olicyholder2 with high e'*o2ure to e7uitie2 and the *o22ibility of in#e2tent return26 which generate a high real rate of return in the long ter while recognizing that there i2 a 2ignificant *robability of negati#e in#e2tent return2 in the 2hort ter. $hi2 fund offer2 a totally e7uity ba2ed in#e2tent o*tion. Lour return2 de*end entirely u*on the *erforance of the e7uity arket. $he ri2k *rofile of thi2 fund i2 high. $he higher ri2k of thi2 *ortfolio ean2 that e'*ected return2 would al2o be higher. 4n#e2tent would not e'ceed 3/I in bank de*o2it2 and ay be u* to 1//I in e7uitie2. Value o# )nit!5 $he arket #alue of a22et2 *lu28le22 e'*en2e2 incurred 4n the *urcha2e82ale of a22et2 *lu2 current a22et2 *lu2 Any accrued incoe net of fund anageent charge2 3e22 current liabilitie2 le22 *ro#i2ion $nit Value ; $otal nuber of unit2 on i22ue Ebefore any new unit2 are allocated8redeeed.G 2% ho can 3uy the product hat i! the policy term 5iniu *olicy ter 5 year2 5a'iu *olicy ter 4/ year2 6le4ible premium payment mode!5 Choose from five premium payment modes. aG Annual H iniu *reiu i2 ,2. 1/6///. bG @alf H yearly H iniu *reiu i2 ,2. 56///. cG Quarterly H iniu *reiu i2 ,2. 265//. dG 5onthly H iniu *reiu i2 ,2. 16///. eG (ingle *reiu H iniu *reiu i2 ,2. 256///. Char/e! under the plan5 ,. Premium allocation char/e For regular *reiu *olicie2> $er of the *olicy a2 below Lear2 50+ 1/ 0 14 15P Fir2t year 1/I 15I 2/I $hereafter 5I 5I 5I E$he *reiu allocation charge for 2ingle *reiu = to* H u*2 i2 2I.G 5iniu age at entry 3/ day2 5a'iu age at entry !5 year2 5a'iu age at aturity )/ year2 2) 7. Policy Admini!tration char/e!5 ,2. 4/ will be deducted fro your unit account each onth. 8. 6und Mana/ement Char/e!5 E$he fund anageent charge2 will be deducted on a daily ba2i2.G 2+ $nit Lin-e! un!s Annual Rate Ca*ital (ecure 1.5/I 1alanced Fund 1.5/I .rowth Fund 1.%5I &7uity Fund 1.%5I Re-i!ion o# char/e!5 $he fund anageent charge2 are 2ub"ect to re#i2ion at any tie6 but hey will not e'ceed 2I *.a. for the ca*ital 2ecure fund and 2.5I *.a. for the other fund2. Any change2 ade to the charge2 under thi2 *olicy will be 2ub"ect to 4,-A a**ro#al. 9. Partial ithdrawal Char/e!5 ,2. 1// *er withdrawal will be deducted fro your unit account. <. Switchin/ Char/e5 1I of the aount 2witched6 with a a'iu of ,2. 16///80 *er 2witch. =. Mortality Char/e!5 $he 5ortality charge26 ba2ed on your attained age6 are deterined u2ing 1812 th of the charge2 are different. >. Surrender Char/e5 $hi2 charge i2 le#ied on the unit fund at the tie of 2urrender of the *olicy a2 under> Num2er of years premiums pai! Surren!er c3arge as percentage of fun! value 3e22 than 1 1//I 3/ 1 5/I 2 2/I 3 and ore J43 ?. Ser-ice %a4 Char/e $hi2 charge will be le#ied on ortality6 accident = di2ability benefit charge2. $he le#el of thi2 charge will be a2 *er the rate of 2er#ice ta' on ri2k *reiu le#ied by the go#ernent fro tie to tie the correct rate of 2er#ice ta' i2 12.3!I thi2 charge 2hall be collected along with charge2. 2ow !a#e i! your in-e!tment $he in#e2tent2 ade in the unit fund2 are 2ub"ect to in#e2tent ri2k2 a22ociated with ca*ital arket2 and the JAK2 of the unit2 ay go u* or down ba2ed on the *erforance of the fund and the factor2 influencing the ca*ital arket6 and the in2ured i2 re2*on2ible for hi28her deci2ion2. $he unit *rice i2 a reflection of the financial and e7uity8debt arket condition2 and can increa2e or decrea2e at any tie due to thi2. 1enefit2 *ayable under the *olicy will be ade according o the ta' law2 and other regulation2 in force at that tie. $here are no guarantee2 for any fund of any kind under thi2 *olicy. $he benefit *ayable on aturity will be e7ual to the #alue of your unit2. $he nae in the fund2 in n way indicate2 the return2 deri#ed fro the. Plea2e note that ,eliance life 4n2urance co*any liited i2 only the nae of the in2urance co*any and ,eliance arket return *lan i2 only the nae of the unit linked life in2urance *olicy and doe2 not in anyway indicate the 7uality of the *olicy or it2 future *ro2*ect2 or return2 6ree "oo1 Period. 31 4n ca2e the *olicyholder di2agree2 with any of the ter2 and condition2 of the *olicy6 he ay return the *olicy to the co*any within 15 day2 of it2 recei*t for cancellation6 2tating hi28her ob"ection2 in which ca2e the co*any will refund an aount e7ual to the non allocated *reiu *lu2 the charge2 le#ied by cancellation of unit2 *lu2 fund #alue a2 on the date of recei*t of the re7ue2t in writing for cancellation6 le22 the *ro*ortionate *reiu for the *eriod the co*any ha2 been on ri2k and the e'*en2e2 incurred by the co*any edical e'aination and 2ta* duty charge2. 4f the ri2k acce*tance date fall2 within cooling off *eriod6 then on cancellation ,34C 2hall *ay fund #alue le22 of charge2.
&vervie4 of Demat Account. 4n 4ndia6 a Demat account6 the abbre#iation for demateriali@ed account6 i2 a ty*e of banking account which deaterialize2 *a*er0ba2ed *hy2ical 2tock 2hare2. $he deaterialized account i2 u2ed to a#oid holding *hy2ical 2hare2> the 2hare2 are bought and 2old through a 2tock broker. 32 $hi2 account i2 *o*ular in 4ndia. $he (ecuritie2 and &'change 1oard of 4ndia E(&14G andate2 a deat account for 2hare trading abo#e 5// 2hare2. A2 of A*ril 2//!6 it becae andatory that any *er2on holding a deat account 2hould *o22e22 a Peranent Account Juber EPAJG6 and the deadline for 2ubi22ion of PAJ detail2 to the de*o2itory la*2ed on Danuary 2//%. Proce!ure ,. Fill deat re7ue2t for E-,FG Eobtained fro a de*o2itory *artici*ant or -P with who your de*o2itory account i2 o*enedG. 7. -eface the 2hare certificateE2G you want to deaterialize by writing acro22 (urrendered for deaterialization. 8. (ubit the -,F = 2hare certificateE2G to -P. -P would forward the to the i22uer 8 their ,=$ Agent. 9. After deaterialization6 your de*o2itory account with your -P would be credited with the deaterialized 2ecuritie2. Reliance Money Demat Account Services Reliance Money 5 Transacting an! investing simplifie!. .et ready to change the way you tran2act and in#e2t in financial *roduct2 and 2er#ice2. <hether you wi2h to tran2act in e7uity6 e7uity = coodity deri#ati#e26 4PO92 off2hore in#e2tent2 or *refer to in#e2t in utual fund26 life = general in2urance *roduct2 or a#ail oney tran2fer and oney changing 2er#ice26 you can do it all through reliance oney. (i*ly o*en a reliance oney account and en"oy the con#enience of handling all your key financial tran2action2 through thi2 one window. 6enefits of 3aving a reliance money account 33 It7s cost effective Lou *ay co*arati#ely lower tran2action fee2. A2 an introductory offer6 we in#ite you to *ay a flat fee of "u2t ,2. 5//80 and %5/80 and tran2act through reliance oney. $hi2 fee i2 #alid for two onth2 or a 2*ecified tran2action #alue (ee the table below for detail2. Its offers single 5 4in!o4 access $hrough reliance oney92 a22ociate26 you can tran2act in e7uity6 e7uity and cooditie2 deri#ati#e26 off2hore in#e2tent2 utual fund26 4PO92 life in2urance6 general in2urance6 oney tran2fer6 oney changing and credit card26 aong2t other2. Its convenient Lou can acce22 reliance oney92 2er#ice2 through $he internet $ran2action kio2k2 $he *hone Ecall = tran2actG Our all H 4ndia network of a22ociate2 On an a22i2ted trade Ethrough the call centre or our network of a22ociate2G a charge of ,2 12 *er e'ecuted trade will be a**licable. 34 Its Safe Lour account i2 2afeguarded with a uni7ue 2ecurity nuber that change2 e#ery 32 2econd2. $hi2 nuber work2 a2 a dynaic2 *a22word to kee* your account e'tra 2afe.
Its provi!es you a !emat account Lou get your own deat account with reliance ca*ital at an annual fee of "u2t ,2. 5/80. Its provi!es you a )8in8' facility. Lou can acce22 your banking6 trading and deat account through a 2ingle window and tran2fer fund2 acro22 account2 2eale22ly. It provi!e you value8 a!!e! services At www.relianceoney.co6 you get ,eliable re2earch6 including #iew2 of e'ternal e'*ert2 with an en#iable track record 3i#e new2 u*date2 fro ,euter2 and -ow Done2 C&O92 8 e'*ert #iew2 on the econoy and financial arket2 $ool2 that hel* you *lan your in#e2tent26 ta'6 retireent6 etc. in the *er2onal finance 2ection ,i2k Analyzer for analy2i2 of your ri2k *rofile A22et allocator2 to build an a**ro*riate in#e2tent *ortfolio 35 4nno#ati#e u2e of technology for facilitating con#enient trading8in#e2tent2 H 1io!1! A!imilar to A%M*!B
,eliance 5oney Pro#ide the kio2k2 E2iilar to A$592G Facilitie26 to their cu2toer through which the cu2toer2 can trade on a#ailable kio2k2 at the *articular 1ranch of ,eliance 5oney. $he co*any i2 going to o*en the2e kio2k2 in the arket a2 the A$592 of the 1ank2. ,eliance 5oney *ro#ide2 3 different trading *latfor2 for e7uity trading> Insta Tra!e ast Tra!e #asy tra!e T3e 2enefits 3! A 2afe and con#enient way to hold 2ecuritie2: 4ediate tran2fer of 2ecuritie2: Jo 2ta* duty on tran2fer of 2ecuritie2: &liination of ri2k2 a22ociated with *hy2ical certificate2 2uch a2 bad deli#ery6 fake 2ecuritie26 delay26 theft2 etc.: ,eduction in *a*erwork in#ol#ed in tran2fer of 2ecuritie2: ,eduction in tran2action co2t: Jo odd lot *roble6 e#en one 2hare can be 2old: Joination facility: Change in addre22 recorded with -P get2 regi2tered with all co*anie2 in which in#e2tor hold2 2ecuritie2 electronically eliinating the need to corre2*ond with each of the 2e*arately: $ran2i22ion of 2ecuritie2 i2 done by -P eliinating corre2*ondence with co*anie2: Autoatic credit into deat account of 2hare26 ari2ing out of bonu282*lit8con2olidation8erger etc. @olding in#e2tent2 in e7uity and debt in2truent2 in a 2ingle account. 3% Re9uire! Documents $he e'tent of docuentation re7uired to o*en a deat account ay #ary according to your relation2hi* with the in2titution. 4f you *lan to o*en a deat account with a bank6 a 2a#ing26 current and6 or other account for which the holder ha#e been i22ued a check book6 2uch holder ha2 an edge o#er the non0account holder. 4n fact6 bank2 u2ually offer additional incenti#e2 to cu2toer2 who o*en a deat account with the. Along with the a**lication for6 your *hotogra*h2 Ewith co0a**licant2G and *roof of identity8re2idence8date of birth ha#e to be 2ubitted. $he -P2 al2o a2k for a -P0client agreeent to be e'ecuted on non0"udicial 2ta* *a*er. @ere i2 a broad li2t> A canceled check6 *referably 54C, Proof of 4dentification Proof of Addre22 Proof of Pan card EandatoryG ,ecent *hotogra*h26 one and6 or ore For *roof of identification and6 or addre22 2elf0atte2ted fac2iile co*ie2 of PAJ card6 Koter92 4-6 Pa22*ort6 ,ation card6 -ri#er92 licen2e6 Photo credit card6 &*loyee 4- card6 1ank atte2tation6 late2t 4$ return2 and6 or late2t &lectricity83andline *hone bill are 2ufficient. <hile they only a2k for *hotoco*ie2 of the docuent26 they will need the original2 for #erification. Points To Remem2er 1. Only 2ecuritie2 aditted by J(-3 can be deaterialized. $he li2t i2 a#ailable with your -P. 2. Only 2ecuritie2 regi2tered in the nae of the account holder can be deaterialized. 3) 3. -eaterialization i2 norally co*leted within 15 day2 after the 2hare certificate2 ha#e reached the i22uer8 their ,=$ Agent. $hu2 it ay take you a onth fro the date you hand o#er 2hare26 to recei#e deat credit. 4. -eaterialization would be done only when the i22uer 8 their ,=$ Agent i2 2ati2fied of genuinene22 of 2ecuritie2 = owner2hi* 2tatu2. 5. All the "oint holder2 2hould 2ign the -,F. !. $he *attern of holding in the -,F 2hould atch the *attern of holding on the 2hare certificate = the *attern in which account i2 o*ened. %. -eat re7ue2t2 with naeE2G not atching e'actly with the naeE2G a**earing on the certificate2 erely on account of initial2 not being 2*elt out fully or *ut after or *rior to the 2urnae6 would be *roce22ed6 *ro#ided the 2ignatureE2G of the clientE2G on the -,F tallie2 with the 2*ecien 2ignatureE2G a#ailable with the i22uer8 their , = $ agent. ). 4f the 2ignature in the -,F doe2 not atch with the 2ignature a#ailable with the i22uer8 their , = $ agent6 the i22uer8 their , = $ agent ay at the tie of deat confiration6 a2k for additional docuentation Elike bank atte2tation8 notari2ation6 etc.G to *ro#e that the certificate belong2 to the *er2on who forwarded the -,F. +. 4n ca2e there i2 any *roble in *roce22ing the -,F6 contact your -P and if he cannot re2ol#e the *roble you ay contact J(-3.
3+ T3e %oncept of Mutual un! A utual fund i2 a coon *ool of oney into which in#e2tor2 *lace their contribution2 that are to be in#e2ted in accordance with a 2tated ob"ecti#e. $he owner2hi* of the fund i2 thu2 M"oint9 and Mutual9: the fund belong2 to all in#e2tor2 Reliance Mutual un! ,eliance 5utual Fund E,5FG6 a *art of the ,eliance 0 Anil -hirubhai Abani .rou*6 i2 4ndiaC2 leading 5utual Fund6 with a#erage A22et2 under 5anageent of ,2. +/6)13 crore2 for the onth of Dune 2//)6 and an in#e2tor ba2e of o#er !.% illion. ,eliance 5utual Fund offer2 in#e2tor2 a well rounded *ortfolio of *roduct2 to eet #arying in#e2tor re7uireent2. ,eliance 5utual Fund ha2 a *re2ence in 3// citie2 acro22 the country and con2tantly endea#or2 to launch inno#ati#e *roduct2 and cu2toer 2er#ice initiati#e2 to increa2e #alue to in#e2tor2. ,eliance 5utual Fund 2chee2 are anaged by ,eliance Ca*ital A22et 5anageent 3td.6 a wholly owned 2ub2idiary of ,eliance Ca*ital 3td. 4/ Types of Mutual un!s on t3e 6asis of Ris- Vs Returns re9uently use! term in Mutual un!s "ector Funds 41 Ris# Money Mar#et Funds Floaters Income Funds Gilt Funds MI$s %alanced Funds &i!ersified '(uity Funds R e t u r n s Cet A!!et Value ACAVB Jet A22et Kalue i2 the arket #alue of the a22et2 of the 2chee inu2 it2 liabilitie2. $he *er unit JAK i2 the net a22et #alue of the 2chee di#ided by the nuber of unit2 out2tanding on the Kaluation -ate. Sale Price 42 the *rice you *ay when you in#e2t in a 2chee. Al2o called Offer Price. 4t ay include a 2ale2 load. Repurcha!e Price 42 the *rice at which a clo2e0ended 2chee re*urcha2e2 it2 unit2 and it ay include a back0end load. $hi2 i2 al2o called 1id Price Redemption Price 42 the *rice at which o*en0ended 2chee2 re*urcha2e their unit2 and clo2e0ended 2chee2 redee their unit2 on aturity? (uch *rice2 are JAK related. Sale! "oad 42 a charge collected by a 2chee when it 2ell2 the unit2. Al2o called6 MFront0end9 load. (chee2 that do not charge a load are called MJo 3oad9 2chee2 Repurcha!e or D3ac1-end* "oad 42 a charge collected by a 2chee when it buy2 back the unit2 fro the unit holder2. Types of Reliance Mutual un!s 1. ,eliance .rowth Fund 42 2. ,eliance Ki2ion Fund 3. ,eliance 1anking Fund *. Reliance Diversifie! Po4er Sector un! 5. ,eliance Phara Fund !. ,eliance 5edia = &ntertainent Fund %. ,eliance J,4 &7uity Fund ). ,eliance &7uity o**ortunitie2 Fund +. ,eliance 4nde' Fund 1/. ,eliance $a' (a#er E&3((G Fund 11. ,eliance &7uity Fund 12. ,eliance 3ong $er &7uity Fund 13. ,eliance ,egular (a#ing Fund T3e -ey term in mutual fun!s Divi!en! Policy: -i#idend will be di2tributed fro the a#ailable di2tributable 2ur*lu2 after the deduction of the di#ided di2tribution 2ur*lu2 after the deduction of the di#idend di2tribution ta' and the a**licable 2urcharge6 if any. $he utual fund i2 not guaranteeing or a22uring any di#idend. Pea2e read the offer docuent for detail2. Further *ayent of all the di#idend2 2hall be in co*liance with (&14 circular Jo. (&14845-8C4, Jo. 18!4/5%8/! dated 4848/!. Applica2le NAV 5 (ale of unit2 by reliance utual fund> in re2*ect of #alid a**lication2 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 i2 recei#ed6 the clo2ing JAK of the day on which a**lication i2 recei#ed 2hall be a**licable. Repurc3ase inclu!ing S4itc38out: in re2*ect of #alid a**lication2 recei#ed u*to 3 * by the utual fund6 2ae day92 clo2ing JAK 2hall be a**licable. 4n re2*ect of #alid a**lication2 recei#ed after 3 *.. by the utual fund6 the clo2ing JAK of the ne't bu2ine22 day 2hall be a**licable. 43 Daily net Asset Value:NAV; pu2lication: the JAK will be declared on all working day2 and will be *ubli2hed in 2 new2*a*er. JAK can al2o be #iewed on www.relianceutualfund.co and www.afiindia.co . Ta< 6enefits to t3e mutual fun!: ,eliance 5utual Fund i2 a 5utual fund regi2tered with the 2ecuritie2 = e'change board of 4ndia and hence the entire incoe of the utual fund will be e'e*t fro incoe ta' in accordance with the *ro#i2ion2 of 2ection 1/E23-G of the incoe ta' act6 1+!1. $he utual fund will recei#e all incoe without any deduction of ta' at 2ource under the *ro#i2ion2 of 2ection 1+!Ei#G of the act. An e'e*tion ha2 been granted under the finance EJo.2G act6 2//4 to o*en ended e7uity oriented utual fund2 fro *aying di2tribution ta' on incoe di2tributed without any tie liit6 effecti#e fro 1 A*ril 2//4. Securitie! tran!action %a4: Jae of $ran2action Payable by ,ate of $a' Purcha2e and 2ale of e7uity 2hare2 or unit2 of e7uity oriented utual fund2 on a recognized 2tock e'change on deli#ery ba2i2 1oth *urcha2er a2 well a2 2eller /.125I (ale on 2tock e'change of e7uity 2hare2 or unit2 of e7uity oriented utual fund2 on non0 deli#ery ba2i2 (eller /./25I 2ale of deri#ati#e2 reorganized 2tock e'change (eller /./1%I (ale of unit2 of e7uity oriented utual fund2 to the utual fund (eller /.25I $here are two ty*e2 of in#e2tent in 5utual Fund2. 3u* (u (y2teatic 4n#e2tent PlanE(4PG . Lump sum> 4n 3u* 2u the in#e2tent i2 only one tie2 that i2 of ,2. 56///. and if the in#e2tent i2 onthly then the in#e2tent will be !6///80. 44 Systematic Investment Plan:SIP; > <e ha#e already entioned about (4P2 in brief in the *re#iou2 *age2 but now going into detail26 we will 2ee how the *ower of co*ounding could benefit u2. 4n 2uch ca2e6 e#ery 2all aount2 in#e2ted regularly can grow 2ub2tantially. (4P gi#e2 a clear *icture of how an early and regular in#e2tent can hel* the in#e2tor in wealth creation. -ue to it2 unliited ad#antage2 (4P could be redefined a2 Na ethodology of fund in#e2ting regularly to benefit regularly fro the 2tock arket #olatility. 4n the later 2ection2 we will 2ee how return2 generated fro 2oe of the (4P2 ha#e out*erfored their benchark. 1ut before o#ing on to that let2 ha#e a look at 2oe of the to* *erforing (4P2 and their return for 1 year> Scheme 4moun t +4: +4: ;ate <otal 4mount 'eliance diversi.ed power sector retail ))) =#.>? (),$,#) )! ?$#?.)> 'eliance regular savings e7uity ))) ##.#) ! (),$,#) )! ($!?.@? ? principal global opportunities fund ))) !.!= (),$,#) )! ?#?>.># ! ;AS investment opportunities fund ))) ($.( (),$,#) )! (>@.$ > BOB growth fund ))) ?#.? (),$,#) )! (>=@.$ # 4n the abo#e chart6 we can 2ee how if we 2tart in#e2ting ,2.1/// *er onth then what return we9ll get for the total in#e2tent of ,2. 12///. $here i2 reliance di#er2ified *ower 2ector retail gi#ing the a'iu return2 of ,2. 2524./% *er year which coe2 to 21I roughly. Je't we can 2ee if anybody would ha#e undertaken the (4P in Princi*al would ha#e got return2 of a**. 1)I. <e can 2ee reliance regular 2a#ing2 e7uity6 -<( in#e2tent o**ortunitie2 and 1O1 growth fund gi#ing return2 of 13.2/I6 14.+2I6 and 14.%4I re2*ecti#ely which i2 greater than any other onthly in#e2tent o*tion2. $hu2 we can ea2ily ake out how (4P i2 beneficial for u2. 4t2 ha22le free6 it force2 the in#e2tor2 45 to 2a#e and get the into the habit of 2a#ing. Al2o *aying a 2all aount of ,2. 1/// i2 ea2y and con#enient for the6 thu2 *utting no *re22ure on their *ocket2. Jow we will analyze 2oe of the e7uity fund (4P 2 of 1irla (unlife with 1(& 2// and bank fi'ed de*o2it2 4n a tabular forat a2 well a2 gra*hical. #<posure of Mutual un!s %ompanies in In!ia $he conce*t of utual fund2 in 4ndia date2 back to the year 1+!3. $he era between 1+!3 and 1+)% arked the e'i2tence of only one utual fund co*any in 4ndia with ,2. !%bn a22et2 under anageent EA;5G6 by the end of it2 ono*oly era6 the ;nit $ru2t of 4ndia E;$4G. 1y the end of the )/2 decade6 few other utual fund co*anie2 in 4ndia took their *o2ition in utual fund arket. $he new entrie2 of utual fund co*anie2 in 4ndia were (14 5utual Fund6 Canbank 5utual Fund6 Pun"ab Jational 1ank 5utual Fund6 4ndian 1ank 5utual Fund6 1ank of 4ndia 5utual Fund. $he 2ucceeding decade 2howed a new horizon in 4ndian utual fund indu2try. 1y the end of 1++36 the total A;5 of the indu2try wa2 ,2. 4%/./4 bn. $he *ri#ate 2ector fund2 2tarted *enetrating the fund failie2. 4n the 2ae year the fir2t 5utual Fund ,egulation2 cae into e'i2tence with re0regi2tering all utual fund2 e'ce*t ;$4. $he regulation2 were further gi#en a re#i2ed 2ha*e in 1++!. Aothari Pioneer wa2 the fir2t *ri#ate 2ector utual fund co*any in 4ndia which ha2 now erged with Franklin $e*leton. Du2t after ten year2 with *ri#ate 2ector *layer2 *enetration6 the total a22et2 ro2e u* to ,2. 121)./5 bn. $oday there are 33 utual fund co*anie2 in 4ndia in which 2oe are a2 below. A1J A5,O 5utual Fund2 1irla (un life utual Fund2 1ank of 1aroda 5utual Fund @-FC 5utual Fund 4! @(1C 5utual Fund 4J. Ky2ya 5utual Fund Prudential 4C4C4 5utual Fund (ahara 5utual Fund (tate 1ank of 4ndia 5utual Fund $ata 5utual Fund E$5FG Aotak 5ahindra A22et 5anageent Co*any EA5A5CG ;$4 A22et 5anageent Co*any Pri#ate 3iited Reliance Mutual un! :RM; (tandard Chartered 5utual Fund &2cort2 5utual Fund Alliance Ca*ital 5utual Fund 1enchark 5utual Fund Canbank 5utual Fund Chola 5utual Fund 34C 5utual Fund .4C 5utual Fund 4% =or-ing of a Mutual un! Terms an! con!itions $hi2 facility offered only to the in#e2tor2 ha#ing bank account2 in 2elected citie2 which are 2*ecific in the for of the (4P. (ubit the following docuent at lea2t 21 working day2 before the fir2t (4P date for &C( E&lectronic clearing (er#iceG. $he fir2t (4P che7ue 2hould be i22ued fro the 2ae bank account which i2 to be debited under &C( for 2ub2e7uent in2tallent2. $he bank account *ro#ided for &C( E-ebitG 2hould *artici*ate in local 54C, clearing. (4P auto debit facility i2 a#ailable only on 2*ecific date2 of the onth i.e. 2 nd or 1/ th or 1) th or 2) th . $he in#e2tor agree2 to abide by the ter2 and condition2 of &C( facility of ,e2er#e bank of 4ndia. An in#e2tor can o*t for onthly or 7uarterly fre7uency. Only one (4P *er onth or *er 7uarter i2 *eritted *er folio8account. 4) 5iniu in#e2tent aount H onthly (4P o*tion H !/ in2tallent2 of ,2. 1//80 each or 12 in2tallent or ,2. 5//80 each or ! in2tallent2 of ,2. 1///80 each and in ulti*le2 of ,e.180 thereafter. $he ga* between the 1 2t che7ue8 in2tallent = the 2 nd che7ue 8 in2tallent 2hould be at lea2t 21working day2. @owe#er 2ub2e7uent che7ue2 2hould ha#e a ga* of at lea2t a onth or a 7uarter de*ending u*on the fre7uency cho2en. A!vantages of Mutual un!s Diversification: $he be2t utual fund2 de2ign their *ortfolio2 2o indi#idual in#e2tent2 will react differently to the 2ae econoic condition2. For e'a*le6 econoic condition2 like a ri2e in intere2t rate2 ay cau2e certain 2ecuritie2 in a di#er2ified *ortfolio to decrea2e in #alue. Other 2ecuritie2 in the *ortfolio will re2*ond to the 2ae econoic condition2 by increa2ing in #alue. <hen a *ortfolio i2 balanced in thi2 way6 the #alue of the o#erall *ortfolio 2hould gradually increa2e o#er tie6 e#en if 2oe 2ecuritie2 lo2e #alue. Professional Management: 5o2t utual fund2 *ay to*flight *rofe22ional2 to anage their in#e2tent2. $he2e anager2 decide what 2ecuritie2 the fund will buy and 2ell. Regulatory oversig3t: 5utual fund2 are 2ub"ect to any go#ernent regulation2 that *rotect in#e2tor2 fro fraud. Li9ui!ity: 4tC2 ea2y to get your oney out of a utual fund. <rite a check6 ake a call6 and youC#e got the ca2h. %onvenience: Lou can u2ually buy utual fund 2hare2 by ail6 *hone6 or o#er the 4nternet. Lo4 cost: 5utual fund e'*en2e2 are often no ore than 1.5 *ercent of your in#e2tent. &'*en2e2 for 4nde' Fund2 are le22 than that6 becau2e inde' fund2 are not acti#ely anaged. 4n2tead6 they autoatically buy 2tock in co*anie2 that are li2ted on a 2*ecific inde' $ran2*arency Fle'ibility 4+ Choice of 2chee2 $a' benefit2 <ell regulated Dra42ac-s of Mutual un!s 5utual fund2 ha#e their drawback2 and ay not be for e#eryone> No "uarantees: Jo in#e2tent i2 ri2k free. 4f the entire 2tock arket decline2 in #alue6 the #alue of utual fund 2hare2 will go down a2 well6 no atter how balanced the *ortfolio. 4n#e2tor2 encounter fewer ri2k2 when they in#e2t in utual fund2 than when they buy and 2ell 2tock2 on their own. @owe#er6 anyone who in#e2t2 through a utual fund run2 the ri2k of lo2ing oney. ees an! commissions: All fund2 charge adini2trati#e fee2 to co#er their day0 to0day e'*en2e2. (oe fund2 al2o charge 2ale2 coi22ion2 or Rload2R to co*en2ate broker26 financial con2ultant26 or financial *lanner2. &#en if you donCt u2e a broker or other financial ad#i2er6 you will *ay a 2ale2 coi22ion if you buy 2hare2 in a 3oad Fund. Ta<es: -uring a ty*ical year6 o2t acti#ely anaged utual fund2 2ell anywhere fro 2/ to %/ *ercent of the 2ecuritie2 in their *ortfolio2. 4f your fund ake2 a *rofit on it2 2ale26 you will *ay ta'e2 on the incoe you recei#e6 e#en if you rein#e2t the oney you ade. Management ris-: <hen you in#e2t in a utual fund6 you de*end on the fundC2 anager to ake the right deci2ion2 regarding the fundC2 *ortfolio. 4f the anager doe2 not *erfor a2 well a2 you had ho*ed6 you ight not ake a2 uch oney on your in#e2tent a2 you e'*ected. Of cour2e6 if you in#e2t in 4nde' Fund26 you forego anageent ri2k6 becau2e the2e fund2 do not e*loy anager2 5/
,eliance .eneral 4n2urance6 a *art of the ,eliance 0 Anil -hirubhai Abani .rou* and a (ub2idiary of ,eliance Ca*ital6 i2 one of the fir2t non0life co*anie2 to get the licen2e fro the 4,-A. ,eliance .eneral 4n2urance i2 4ndiaC2 fa2te2t growing general in2urance co*any and the to* 3 *ri#ate 2ector in2urer2. ,eliance .eneral 4n2urance ha2 2// branche2 acro22 1%1 citie2 and o#er 2/6/// 51 interediarie2. ,eliance .eneral 4n2urance offer2 an e'hau2ti#e range of in2urance *roduct2 that co#er2 o2t ri2k2 including Auto6 @ealth6 Pro*erty6 5arine6 Ca2ualty and 3iability. 4n2urance 4ndenifie2 A22et2 = 4ncoe. &#ery A22et ha2 a #alue and generate2 4ncoe to it2 Owner. $here i2 a norally e'*ected 3ife0tie for the A22et during which tie it i2 e'*ected to *erfor. 4f the A22et get2 lo2t earlier6 being de2troyed or ade Jon0functional through an Accident or other unfortunate e#ent the Owner i2 Pre"udiced. 4n2urance hel*2 to reduce COJ(&Q;&JC&( of 2uch Ad#er2e Circu2tance2 which are called ,i2k2 4n2urance i2 the (C4&JC& OF (P,&A-4J. OF $@& ,4(A. 4t i2 the 2y2te of 2*reading the lo22e2 of an 4ndi#idual o#er a grou* of 4ndi#idual2 4n2urance i2 a 5ethod of 2haring of financial lo22e2 of a F&< fro a CO55OJ F;J- fored out of Contribution of the 5AJL who are e7ually e'*o2ed to the 2ae lo22 <hat i2 ;JC&,$A4J for an 4ndi#idual becoe2 a C&,$A4J$L for a .rou*. $hi2 i2 the ba2i2 of All 4n2urance O*eration2. $hu2 4J(;,AJC& COJK&,$( ;JC&,$A4J$L $O C&,$A4J$L
R.IC" PRED)C%S 2'A"%2 4ndi#idual 5ediclai 4n2urance Policy .rou* 5ediclai 4n2urance Policy O#er2ee2 $ra#el Care 4n2urance Policy ,eliance @ealth <i2e Policy Einclu2i#e of P&- = Critical 4llne22G H J&< 0 a 2*ecialized retail *roduct P'RSECA" ACCID'C% Per2onal Accident 4n2urance E4ndi#idual2G Policy .rou* Per2onal Accident 4n2urance 52 6IR' (tandard Fire and (*ecial Peril2 Policy 4ndu2trial All ,i2k2 4n2urance Policy Con2e7uential 3o22 EFireG 4n2urance Policy 'C.IC''RIC. &rection All ,i2k28(torage0cu0&rection 4n2urance Policy Contractor92 All ,i2k2 4n2urance Policy Contractor92 Plant and 5achinery Policy 5achinery 1reakdown 4n2urance Policy 5achinery 3o22 of Profit2 4n2urance Policy 1oiler = Pre22ure Plant 4n2urance Policy &lectronic &7ui*ent 4n2urance Policy MARIC' 5arine Cargo 4n2urance Policy J&< 0 5arine $urno#er ba2ed Policy J&< 0 5ulti $ran2it Policy ME%ER Pri#ate Car Co*rehen2i#e 4n2urance Policy "IA3I"I%F -irector2 and Officer2 3iability 4n2urance Policy 53 Public 3iability EActG 4n2urance Policy Public 3iability 4n2urance Policy Product 3iability 4n2urance Policy Profe22ional 4ndenity 4n2urance Policy <orken92 Co*en2ation 4n2urance Policy PACGA.'D PE"ICI'S 6ER CERPERA%'S 4ndu2try Care 4n2urance Policy Coercial Care 4n2urance Policy Office Package 4n2urance Policy Fidelity .uarantee 4n2urance Policy 1urglary and @ou2ebreaking Policy 5oney 4n2urance Policy @ou2eholder92 Package 4n2urance Policy S3op-eeper7s Pac-age Insurance Policy Reliance S3op-eeper7s pac-age Policy >ey A!vantage Co*rehen2i#e co#erage again2t #ariou2 *eril2 2*read acro22 different 2ection2 of the *olicy. $he *olicy offer2 the fle'ibility to cu2toize the *olicy by 2electing a**ro*riate co#er2. $he co#erage i2 a#ailable at rea2onably *riced *reiu2. 4n2ured ha2 the o*tion of 2electing co#erage either on the ba2i2 of arket #alue or the rein2tateent #alue. -i2count2 ranging fro 5I to 2/I for cu2toer2 o*ting for four or ore 2ection26 for fa#orable clai2 e'*erience and on renewal of the *olicy. 54 Scope of t3e cover Co#erage under thi2 *olicy i2 2*read acro22 11 o*tional 2ection26 enabling you to choo2e fro the and cu2toize the *olicy Section ,A. H Fire and allied *eril2 for building Section 73. H Fire and allied *eril2 for content2 $he *hy2ical 2tructure of your 2ho* Eunder 2ection 1AG and the content2 therein Eunder 2ection 11G can be co#ered again2t fire and allied *eril2. $he2e co*ri2e0 Fire 3ightning &'*lo2ion 8 i*lo2ion Aircraft -aage ,iot6 (trike and 5aliciou2 -aage (tor6 Cyclone6 $y*hoon6 $e*e2t6 @urricane6 $ornado6 Flood6 and 4nundation 4*act -aage (ub2idence and land2lide including ,ock2lide deolition6 con2truction6 2tructural alteration2 or re*air of any *ro*erty or ground work2 or e'ca#ation2 1ur2ting and 8 or o#erflowing of water tank26 a**aratu2 and *i*e2. 5i22ile te2ting o*eration2 3eakage fro autoatic 2*rinkler in2tallation2 1u2h fire $errori2 co#er Eo*tionalG Policy e<clusions 55 At reliance general in2urance6 we would like our *olicy to be a2 tran2*arent a2 *o22ible. $o en2ure that you do not face any un*lea2ant 2ur*ri2e2 when you ake a clai6 we would like you to know 2oe of the a"or e'clu2ion2 under the *olicy. 3o22 or daage due to war and nuclear *eril2 -aage to *ro*erty due to *ollution and containation 3o22 or daage due to wear and tear6 gradual deterioration or 2lowly de#elo*ing flaw2 Con2e7uential lo22 of any kind <illful act or gro22 negligence on the *art of the in2ured 5! Markets 4n tune with the global 2tock arket2 that began to reco#er fro the 2econd half of 2//3: 4ndian 2tock arket2 too witne22ed ra*id growth. 4ndia92 two leading indice26 the o2t *o*ular 1(& (en2e'6 and the one o2t u2ed by the arket2 the Jational (tock &'change29 (=P CJS Jifty ro2e to record le#el2. 1oth *riary and 2econdary arket acti#ity e'*erienced 2har* 2urge. 5uch *rogre22 wa2 ade in further 2trengthening and 2trealining ri2k anageent6 arket regulation and 2u*er#i2ion. A few a2*ect2 of the a"or de#elo*ent2 in the 4ndia92 2tock arket2 are de2cribed below. And the in2urance 2ector i2 al2o *lay an i*ortant role in the growth of the financial arket. Market Structure 4ndian 2ecuritie2 arket i2 fairly large a2 co*ared to 2e#eral other eerging arket2. $here are 22 2tock e'change2 in the country6 though the entire li7uidity i2 2hared between the countrie292 two national le#el e'change2 naely6 the Jational (tock &'change of 4ndia and the 1obay (tock &'change 3td. $he regional 2tock e'change2 are in *ur2uit of bu2ine22 odel2 that ake the #iable and #ibrant. 5eanwhile6 the2e e'change2 ha#e becoe eber2 of the national le#el e'change2 through foration of 2ub2idiarie2 who2e bu2ine22 i2 2howing continuou2 growth and *rogre22. $he nuber of broker2 in #ariou2 2tock e'change2 ro2e fro !6%11 in 1++40+5 to +6335 in FL/!. $he nuber of broker2 in all the e'change2 together *eaked to 1/6213 in the year FL/1 but gradually declined thereafter when the regional 2tock e'change2 began to lo2e bu2ine22 in the light of wide ranging arket 2tructure refor2 introduced 2ince then. 4n FL/16 when the arket2 were in u*2wing6 2e#eral regional 2tock e'change2 were generating bu2ine22 owing to the a#ailability of deferral *roduct26 2uch 1adla and different 2ettleent calendar2 *re#ailing at that tie in the2e e'change2. For in2tance in FL/16 the -elhi (tock &'change regi2tered ca2h arket turno#er of ,2 )3).%1 bn: ;ttar Prade2h (tock &'change6 ,2 24%.4% bn6 3udhiana (tock &'change ,2 +%.32 bn6 Pune 5% (tock &'change ,2 !1.%1 bn a2 again2t ,2 1363+5.11 bn of the turno#er at the Jational (tock &'change and ,2 1/6///.32 bn turno#er at the 1obay (tock &'change. <ith the abolition of the deferral *roduct2 and introduction of unifor $P2 2ettleent cycle6 the li7uidity in the2e e'change2 flowed to the national le#el 2y2te con2i2ting of J(& and 1(&. Ma?or Player in t3e Insurance Sector $here are any re*uted co*anie2 in the arket which *ro#ide the 4n2urance for li#ing being and non li#ing being2. $he co*anie2 in life 4n2urance are a2 follow2. Life Insurer in Pu2lic Sector 3ife 4n2urance Cor*oration of 4ndia Life Insurer in Private Sector Reliance life Insurance %ompany Limite! 4C4C4 Prudential 3ife 4n2urance 1a"a" Allianz 3ife 4n2urance $ata A4. 3ife 4n2urance cor*oration 3iited @-FC (tandard 3ife 4n2urance 1irla (un 3ife 4n2urance (14 3ife 4n2urance Aotak 5ahindra old 5utual 3ife 4n2urance A#i#a 3ife 4n2urance 5et3ife 4ndia 3ife 4n2urance 4J. Ky2ya 3ife 4n2urance 5a' Jew Lork 3ife 4n2urance (hrira 3ife 4n2urance 1harti ASA 3ife 4n2urance Co. 3iited 4-14 Fortie2 3ife 4n2urance Co. 3iited 5) Argon ,eligare 3ife 4n2urance Co. 3iited Ma?or 6ro-ing 3ouse -uring the analy2i2 of the arket it ha2 been found that there are a lot of the brokeing hou2e in the arket which are *ro#iding the online trading facility to the indi#idual2 or the grou* of the indi#idual2. +paisa.com Lou can now buy and 2ell 2hare2 on 5*ai2a.co with 2*eed2 co*arable and at tie2 better than J(&C2 J&A$ $erinal. $hi2 2*eed and reliability coe2 only with *er2e#erance of *ioneer backed by huge in#e2tent in technologyT Lou can now buy and 2ell 2hare2 on 5*ai2a.co with 2*eed2 co*arable and at tie2 better than J(&C2 J&A$ $erinal. $hi2 2*eed and reliability coe2 only with *er2e#erance of *ioneer backed by huge in#e2tent in technology. A!vani S3are 6ro-ers Ad#ani (hare 1roker6 a re*uted 1obay ba2ed on in#e2tent hou2e6 o*erate2 fro 4ndiaC2 financial hub6 -alal (treet6 2ince 2i'ty year2. 4t deal2 in e7uitie26 debt and deri#ati#e2 on the 1obay (tock &'change and the Jational (tock &'change of 4ndia. A"R&@ "roup of %ompanies Agroy grou* of co*anie2 i2 a well e2tabli2hed nae in the field of ca*ital arket2 and financial 2er#ice2. A.,OL Finance = 4n#e2tent 3td. EAF43G i2 the grou*C2 flag2hi* co*any engaged in ca*ital arket2 a2 a *reier financial and 2tock broking hou2e. $he co*any wa2 fored in Duly 1++2. (ince then it ha2 en"oyed *atronage of a large nuber of #alued cu2toer2 and bu2ine22 *artner2. Anan! Rat3i Securities Limite! Anand ,athi (ecuritie2 3iited *ro#ide2 financial and ad#i2ory 2er#ice2 including wealth anageent6 in#e2tent banking6 cor*orate ad#i2ory6 brokerage = di2tribution of e7uitie26 cooditie26 utual fund2 and in2urance 0 all of which are 2u**orted by *owerful re2earch tea2. In!ia 2ulls 4ndia bull2 i2 4ndiaC2 leading retail financial 2er#ice2 co*any with %/ location2 2*read acro22 !2 citie2. <hile our 2ize and 2trong balance 2heet allow u2 to *ro#ide you with 5+ #aried *roduct2 and 2er#ice2 at #ery attracti#e *rice26 our o#er 45/ Client ,elation2hi* 5anager2 are dedicated to 2er#ing your uni7ue need2. Religare Securities Lt!. ,eligare &nter*ri2e2 3iited EA ,anba'y Prooter .rou* Co*anyG through ,eligare (ecuritie2 3iited6 ,eligare Fin#e2t 3iited6 ,eligare Cooditie2 3iited and ,eligare 4n2urance Ad#i2ory (er#ice2 3iited *ro#ide2 integrated financial 2olution2 to it2 cor*orate6 retail and wealth anageent client2. Pro#ide2 #ariou2 financial 2er#ice2 which include 4n#e2tent 1anking6 Cor*orate Finance6 Portfolio 5anageent (er#ice26 &7uity = Coodity 1roking6 4n2urance and 5utual Fund2. Aaypee %apital Services Lt!. Day*ee Ca*ital (er#ice2 3td. i2 a regi2tered 2elf0clearing eber with Jational (tock &'change and (&14. 4t ha2 the e'*erti2e and the e'*erience to ca*italize on daily 2tock o#eent2 and e*loy o#er 2/ 2*eciali2t trader2 certified by the J(&. I%I%I Direct Online 2hare and utual fund2 trading facility by the 4C4C4 grou*. Arca!e S3are B Stoc- 6ro-ers Arcadia grou* began it2 ode2t "ourney in 1++5 and now Arcadia *roudly boa2t2 about eber2hi* to J(&61(&6 -e*o2itory Partici*ant EC-(3G65CS6JC-&S .$he *hilo2o*hy of client 2er#icing backed by all *rinci*al 4ndian (tock and Coodity e'change gi#e2 Arcadia edge o#er other *layer2 in the indu2try 2egent to offer #alue ba2ed 2er#ice2 to it2 cu2toer2. In!ianstoc-mar-et.net 4ndian2tockarket.net i2 an effort to educate 4ndian in#e2tor by *ro#iding u2eful 2tock new26 2tock arket web2ite26 inforati#e article26 re2ource2 to #ariou2 in#e2tent guide2. Ma?or Developments in e9uity 2ro-erage in!ustry in In!ia Cor*orate eber2hi*2 <ider *roduct offering2 !/ .reater reliance on re2earch Acce22ing e7uity ca*ital arket2 Foreign collaboration2 and "oint #enture2 (*ecialized 2er#ice28niche broking Online broking &erging challenge2 and outlook for the brokerage indu2try Fragentation .lobal O**ortunitie2 Co*etition fro foreign fir2 4n#e2tor Protection !1 $he o2t #ital *roble 2*otted i2 of ignorance. 4n#e2tor2 2hould be ade aware of the benefit2. Jobody will in#e2t until and unle22 he i2 fully con#inced. 4n#e2tor2 2hould be ade to realize that ignorance i2 no longer bli22 and what they are lo2ing by not in#e2ting. 5utual fund2 offer a lot of benefit which no other 2ingle o*tion could offer. 1ut o2t of the *eo*le are not e#en aware of what actually a utual fund i2? $hey only 2ee it a2 "u2t another in#e2tent o*tion. (o the ad#i2or2 2hould try to change their ind2et2. $he ad#i2or2 2hould target for ore and ore young in#e2tor2. Loung in#e2tor2 a2 well a2 *er2on2 at the height of their career would like to go for ad#i2or2 due to lack of e'*erti2e and tie. $he ad#i2or2 ay try to highlight 2oe of the #alue added benefit2 of 5utual fund2 2uch a2 ta' benefit6 ru*ee co2t a#eraging6 and 2y2teatic tran2fer *lan6 rebalancing etc. the2e benefit2 are not offered by other o*tion2 2ingle0handedly. (o the2e are enough to dri#e the in#e2tor2 toward2 utual fund2. 4n#e2tor2 could al2o try to increa2e the 2*ectru of 2er#ice2 offered. Jow the o2t i*ortant rea2on for not a#ailing the 2er#ice2 of ad#i2or2 wa2 2*otted wa2 being e'*en2i#e. $he ad#i2or2 2hould try to charge a noinal fee at the beginning. 1ut if not *o22ible then they could go for offering ore 2er#ice2 and benefit2 at the e'i2ting rate. $hey 2hould al2o aintain their decency and follow the code of ethic2 2o that the in#e2tor2 could tru2t u*on the. $hu2 the ad#i2or2 2hould try to attract ore and ore *er2on2 and turn the into in#e2tor2 and finally their client2. !2 6y t3e 3elp of 6oo-s 1u2ine22 &n#ironent written 1y N rancis %3erunilam N 5arketing 5anageent written 1L N P3illip >otlarO 6y t3e Celp of Manuals ,eliance 5oney ,e*ort of 2//% = 4nternet. 6y t3e 3elp of &t3er Sources 1y the head92 and the con2ultant of the ,eliance 5oney. 6y t3e 3elp of =e2sites 1. www. 4,-A4ndia.org. 2. www.,elianceoney.co 3. www.in2ure2b2ecure.co 4. www.google.co 5. www. <ikki*edia.co !3 <ith the globalize econoy and ien2e co*etition aong countrie2 for fa2ter de#elo*ent of their re2*ecti#e econoie26 the 2ignificance of 4n2urance6 5utual Fund2 and Foreign in#e2tent ha2 taken anifold. <ith a buoyant #ibrant and e'*erienced 2tock arket6 4ndia today i2 looking ahead to 2ur*a22 China in ter2 of foreign 4n#e2tent and growth *ro2*ect2. (tock e'change being the baroeter of the econoy *lay2 a #ital role in 2howca2ing growth of an econoy and luring in#e2tent. <hile 2tudying the role of 4n2urance6 5utual fund and F442 in (tock 5arket6 4 di2cu22ed with a few *er2on2 who are into 2tock broking bu2ine22. And the inforation they ha#e *ro#ided 2how2 that though the in#e2tent and *artici*ation of doe2tic in#e2tor2 are ri2ing6 2till6 they ha#e not been able to *ro#e the2el#e2 to be a2 influential a2 4n2urance6 utual fund2 and F442. 4*ortance and the role of 4n2urance6 5utual fund2 and F442 *lay in the 4ndian 2tock arket can be 2een fro the fact that the recent 2urge in (en2e' and J4F$L i2 attributed to the acti#e *artici*ation of F442 in the (tock 5arket. -e2*ite being aware of the A2ian econoic cri2i2 where F442 role wa2 of a a"or concern6 the i*ortance of foreign ca*ital in the de#elo*ent of econoy can not be underined in anyway. !4 !5 !!