This document provides information about Adeeba Fareed's 6 month internship experience at India Infoline Limited (IIFL), an Indian financial services company. It includes an acknowledgement, background on IIFL, details about her role as a relationship manager in equity trading, learnings from the experience, and descriptions of IIFL's products, services, and trading platforms.

1. INTERNATIONAL COLLEGE OF FINANCIAL PLANNING
2015
INDUSTRIAL
EXPERIENCE REPORT
INDIA INFOLINE LIMITED
ADEEBA FAREED [MBA SEMESTER IV]
N E W D E L H I

2. ACKNOWLEDGEMENT
I am very much thankful to our College INTERNATIONAL COLLEGE OF
FINANCIAL PLANNING because it provides me a chance of gaining experience
and I have got the opportunity to know about the real corporateworld with the help
of the company INDIA INFOLINE LIMITED, my experience their helped me lot
to prepare my project report. My seniors their helped me a lot to collect the
information about the company and they also told me that in which area I should
go actually for my field work and its only because of them I can be able to know
about market a little bit which helped me to know about the practical market
scenario. I end this note by talking responsibility solely for any of the mistakes.
Thanking you
Adeeba Fareed

3. ABOUT IIFL
IIFL Holdings Limited (formerly known as India Infoline Limited) is an Indian
financial services company which is headquartered in Mumbai, India. The
organisation was founded by Nirmal Jain. It is the apex holding company of the
entire IIFL Group, which is a leading financial services company in India,
promoted by first generation entrepreneurs.
They have a diversified business model that includes credit and finance, wealth
management, financial productdistribution, asset management, capital market
advisory and investment banking. They have a largely retail focused model,
servicing over 2 million customers, including several lakh first-time customers for
mutual funds, insurance and consumer credit. This has been achieved due to their
extensive distribution reach of over 2,700 business locations and also innovative
methods like seminar sales and use of mobile vans for marketing in smaller areas.
HISTORY
IIFL was co-founded on October 17, 1995 by Nirmal Jain and R. Venkatraman.
Jain was previously employed with Hindustan Lever Limited. The company was
founded as Probity Research and Services Private Limited which provided research
on the Indian economy, businesses and corporates. The name was later changed to
India Infoline Limited.
In 2001, the Indian dotcom industry saw a downfall. During this time, sustaining
became tough. The organisation then decided to tie-up with leading Life Insurance
company ICICI Prudential, thus putting to use its distribution network and
becoming India’s first corporate agent for insurance.

4. GLOBAL OFFICES
India Infoline has about 4000 business locations in about 900 cities. Apart from
India they are present in 8 other countries -
Singapore, Dubai, USA, UK, Switzerland, Hong Kong,Mauritius and Sri Lanka.
ACHIEVEMENTS
 2004: Obtained commodities licence
 2005: Listed in BSE and National StockExchange of India
 2008: Launch of IIFL Private Wealth Management
 2010: Became the first Indian Broker to register on Colombo StockExchange
 2010: Received an approval for membership of the Singapore StockExchange
 2009: First edition of Enterprising India
 2011: Launch if IIFL Mutual Fund
 2012: Announced Real Estate Fund
 2013: Launched the largest AIF Fund in India

5. COMPANY PROFILE
Location Mumbai
Corporate office
IIFL Center, B Wing, Trade Centre, Kamala Mills Compound, Off
Senapati Bapat Marg, Lower Parel, Mumbai - 400 013. Maharashtra
Registeredoffice
IIFL House, Sun Infotech Park, Road No. 16V, Plot No. B-23, Thane
Industrial Area, Wagle Estate, Thane - 400 604. Maharashtra
Year of
incorporation
1995
Industry Financial Services
Key businesses
Credit & Finance, Wealth Management, Financial Product Distribution,
Capital Market Related
Employees 14,000+
Business locations Around 4,000 locations in 900 cities and towns
Global reach Singapore, Dubai, New York, Mauritius, UK, Hong Kong, Switzerland
Listings NSE, BSE
Listing date 17 May, 2005
Registrars Link Intime India Pvt. Ltd.
Short term debt
rating
ICRA A1+
Long term debt
rating
ICRA AA/(Stable)
Domains
www.indiainfoline.com, www.iiflfinance.com,
www.ttweb.indiainfoline.com, www.flame.org.in
ISIN code INE530B01024
Bloomberg code IIFL IN EQUITY
Reuters code IIFL.BO

6. AWARDS
 No. 1 in Fixed Income Portfolio Management in India, 2012 – Euro Money
 Best Broking House with Global Presence, 2011 & 2012 – D&B
 Top Performer, Equity (FI Category), 2012 – BSE
 Best Commodities Investment, 2012 – Euro Money
 Best Customer Service in Financial Services, 2013 - Retailer Customer Service
Awards
IIFL VISION
To become the most respected company in the financial services space in India.

7. IIFL VALUES
Values at IIFL are summarized in one acronym: GIFTS
 Growth with focused team of dynamic professionals.
 Integrity in all aspects ofbusiness- no compromise in any situation.
 Fairness in all their dealings- employees, customers, vendors and
shareholders all included.
 Transparency in what they do- and in how and why they do it.
 Service orientation is their core value, imbibed by all sales as well as support
teams.
IIFL STRENGTHS
Managerial depth
Their promoters individually are first-generation Indian entrepreneurs with
meritorious academic backgrounds and impeccable professional careers. The
Promoters have built the business from scratch, without pedigree of a large family
business or inherited wealth and steered it towards a market leading position by
dint of hard work and enterprise.
People
Their people form the backboneof IIFL and are the foundation of their success.
They create owners out of their employees not just by offering a financial stake but
also through autonomy to take decisions, make mistakes and grow confidence,
competence and career.

8. Knowledge
IIFL is a knowledge driven organization and has over the years developed and
institutionalized knowledge about its businesses at all the levels.
Innovation
They have successfully executed a number of innovative and disruptive ideas in
the financial services industry to rise from a start-up to leadership position in less
than two decades. Forinstance:
 They gave away all their research free on indiainfoline.com and acquired millions
of readers
 They pioneered online trading and revolutionized broking at lowest rate of 5 basis
points
Distribution reach
They are presentin around 4,000business locationsacross more than 900
cities in India. Their global footprintcovers Colombo, Dubai, New York,
Mauritius, London, Genevaand Singapore.
De-risked business
IIFL has a de-risked and diversified business model across multiple revenue
streams.
They offer multiple products across all segments of financial services.
Well capitalized
The Group has networth of around Rs20 billion. The company has a significantly
unutilized capacity to leverage.

9. Technology
Right from inception, IIFL has incubated and developed next generation
technology for its core businesses. IIFL Trader Terminal is an entirely home grown
proprietary technology, which allows trading in Equities Cash & Derivatives,
Commodities, Forex, Mutual Funds, NFOs and IPOs on a single screen.
Customer service
IIFL existing customer service organization has evolved with the singular goal
since inception that our customer experience should be the best. They offer
services through multiple customer touch-points such as personal interaction at
their offices, call centre, email, and online web-based interface.
BUSINESS STRATEGY
 Steady growth by adapting to the changing environment, without losing the
focus on our core domain of financial services.
 De-risked business through multiple products and diversified revenue
stream.
 Knowledge is the key to power superior financial decisions.
 Keep costs low and continuously strive for innovation.

10. CUSTOMER STRATEGY
 Remain largely a retail focused organization, driving stickiness through
knowledge and quality service.
 Cater to untapped areas in semi-urban and rural areas, which is relatively
safe from cut-throat competition.
 Target the micro, small and medium enterprises mushrooming across the
country through a cluster approachfor lending business.
 Use wide multi-modal network serving as one-stop shop to customer.
IIFL PRODUCTS
The IIFL Group is a leading financial services player in India.
 Equity
 Mutual fund
 Commodities
 PMS
 Derivatives
 Wealth and Asset Management services

11. SERVICES OFFERED BY INDIA INFOLINE
TO THEIR CUSTOMERS
 Online BSE and NSE executions.
 Free access to invest advice from India infoline`s Research team.
 Daily Research Reports and market reviews (Market Mantra).
 Pre Market Report ( Market mantra by inserting properdates).
 Daily trading calls based on Technical Analysis.
 Personalized Advice.
 Live Market information.
 Depository services: Demat and Remat A/c Transactions.
 Derivatives Trading.
 Commodities Trading.
 IPO`s & Mutual funds distribution.
 Internet-based online Trading (TT-Manager).
EXPERIENCE
PROFILE : EQUITY TRADING
DESIGNATION : RELATIONSHIP MANAGER
TENURE : 6 MONTHS

12. ABOUT MY PROFILE IN IIFL
As a Relationship manager, my job is to advice my clients on portfolio according
to their risk appetite and punch trades on their behalf. And to sourcenew business
to the company.
 I used to advice clients on all products including equity, F & O, insurance,
mutual funds, loan etc to generate revenues and execute transactions / trades
as per clients requirements.
 Acquire new clients and convert inactive clients to add new sources for
revenues.
 I had to generate leads / referrals from clients. I am responsible for building
AUM and generate revenues.
 I also had to create value for clients investments and staying ahead of the
competition by structuring and implementing innovative deals.
 I also responsible for cross sales (insurance , Mutual funds) as per given
targets.
 To ensure a basic hygiene is maintained in terms of Quality, Persistency
and Nill complains.
 Accountable for handling portfolios of Retail clients for Equity.
 Responsible for identifying customer needs and assessing their risk appetite.
 Responsible for continuously tracking market trends and customer
requirements and providing regular feedbacks to the clients and immediate
superiors.

13. LEARNINGS
What I Learned
 I learned patience and push myself for that extra mile to achieve targets.
 Management is very disciplined & focused.
 Co-workers were very competitive & fun loving.
 Hardest part is when I just short of the target on the last day of the month.
 Enjoyable part was that when I had parties thrown by our boss onour
performance.
 I learned how to work in a live stock market.
 Punching trades on Trading Terminal.
 I learned how to deal with customer, and daily day to day business etc.
 Learned how to Communicate with different kind of clients.
 Gained knowledge about stockmarket.
 How to maintain healthy relationship and co-ordination with co-workers.
 Handling different kind of clients.
 Updating stocks and different products to clients.
 Filling out KYC forms.
Opportunity
 Being a part of largest distribution network for selling third party financial produ
cts like mutual funds, insurance.
 An opportunity to learn and grow in the financial market.
 Training support would be provided for all financial product.
Opportunity to analyse and provide need based insurance products fromall top
Life Insurance products to our clients.
Co-workers
Friendly and very much supportive

14. Hardest part
Generating extra brokerage when there is tiny fluctuations in the market index.
Easiest Part
Pitching to the clients.
Enjoyable moments
When I made good profits to my clients.
When I get incentives and bonus...really enjoyed !!

15. The most important which I learnt from my experience
was working on trading terminal..
Enjoy the Unique Trading Experience with IIFL new trading platform.

16. FEATURES OF TRADING TERMINALS
 Fast trade execution with instant trade confirmation.
 Live streaming quotes and price watch on any number of stocks.
 Set any number of prices alerts on any number of scrips.
 Flexibility to customize screen layout and setting.
 Facility to customize any number of porfolios & watch list.
 Facility to cancel all pending orders at one click.
 Facility to square off all the transactions at one click.
 Top Gainers, Top Losers, Most Active updated live.
 Market depts i.e. best 5 bids and offers updated live for all stocks.
 Recommendations are updated live.
 When to enter and when to quit is updated live.
 Online fund transfer and payout facility.
 Historical charts and technical analysis tools.

17. EQUITY BROKERAGE PLAN
Brokerage Rate
Intra-day both side 0.05%
Delivery (Normal) settlement 0.50%
Trade for Trade and Z group scrip 0.75%
Brokerage (FUTURES) bothside 0.05%
Brokerage (OPTIONS)Minimum 1% of Premium or Rs.100/- per lot
whichever is higher
Minimum per share Brokerage Rs. 0.05
Notes:
1. All other statutory levies as applicable will be levied, Service tax @12.36 will be
charged in addition to brokerage. Service tax, STT and other statutory charges are
as per current rate and any revision in the rates then the same will be applicable.
2. For customers using our Call Center services which are equipped with modern
technology, there will be no charge for 20 calls made every calendar month. There
will be a nominal charge of Rs.20per call, only for number of calls exceeding 20
in any month.
3. For customers opting for email delivery (recommended for being environment
friendly as well as quicker!) of contract notes or bills, there will be no document
handling charge. However for customers opting for physical delivery of contract
notes/ bills, there will be a document handling charge of Rs.30per courier. You
can change your delivery mode anytime. Forchanging the mode of the delivery
from physical copyto email, please Click here to download the application and
submit it to your nearest branch.
4. The minimum aggregate brokerage will be Rs.25per scrip per day for delivery
trades in cash segment, subject to regulatory caps, as applicable.
5. Charges/service standards are subject to revision at sole discretion of India Infoline
Ltd as informed by communication sent by ordinary Post/ Email.

18. WHY IIFL?
Two Factor Authentication
It is a security feature where a customer will need to satisfy Two authentication
criteria in order to login to a system. IIFL will ask you for your PAN card no. or
Date of birth in addition to the login ID and password you enter, at time of logging
in to your trading account.
Trader Multiple
This productenables you the flexibility to take positions in certain scrips/stocks
and putting a Limit profit Order and also stop loss order at the same time, thus
enabling you to minimize your loss in case of unfavourable market conditions.
IIFL reserves the right to change the list of stocks and availability of margin,
without prior notice based on the market conditions.
Equity Systematic Investment Plan (SIP)
All online existing and new clients of India Infoline Limited can avail the Equity
SIP facility.
To start investing through Equity SIP there are 2 options
1. Through TT Web : You will have to follow 5 easy steps as mentioned below:
 Login to your TT web trading account
on https://ttweb.indiainfoline.com/trade/
 Enter Client ID>>Password>> ProductEquity >> Submit
 Click on the tab Market >>Equity SIP
 Fill in the required details, accept the Terms & Conditions
 Click on 'Submit'
2. Through TT exe : You will have to follow 5 easy steps as mentioned below:

19.  Login to your TT exe. trading account.
 Enter Client ID>>Password>> >> Submit
 Click on the tab SIP>> Orders>>Equity SIP
 Fill in the required details, accept the Terms & Conditions
 Click on 'Submit'
Commodity Systematic Investment Plan (SIP)
Commodity SIP is a new facility offered through indiainfoline.com using which
you can place buy orders for a prespecified amount or for a prespecified quantity in
scrips of your choice at regular intervals over a period of time as selected by you.
For instance, you can select a Commodity SIP for a period of say 6 months to
invest 1 lot of gold/silver every month/ other permitted frequency through
commodity SIP.
After you have provided the necessary details i.e the scrip, amount/ quantity to be
invested, frequency of investment, total time period and authorized India Infoline
Limited (IIFL) vide your commodity SIP request, IIFL will place your commodity
SIP buy orders at market price.
Mutual Fund Systematic Investment Plan (SIP)
Online Mutual Fund SIP is a new facility offered through indiainfoline.com using
which you can place buy orders for a prespecified amount of your choice at regular
intervals over a period of time as selected by you. For instance, you can select a
Mutual Fund SIP for a no of installment, frequency and amount as specified by the
Asset Management company.
After you have provided the necessary details i.e the scheme, amount to be
invested, frequency of investment, total time period and authorized India Infoline
Limited (IIFL) vide your Mutual Fund SIP request, IIFL will place your Mutual
Fund SIP buy orders at market price.
Customer Service
All you need to do is give a missed call at 08066719101.

20. SUGGESTION
 There should be equal commitment for every person.
 There should be some promotional activity required for awareness of the
customers.
 Provide the facility of free demonstration for all.
 There should be limited number of clients under the relationship manager.
So that they can handle old as well as new customer properly.
 Young age people should be encouraged more to invest in stockmarket.
IIFL
Type : Public Company
Industry : Financial services
Founded : 1995
Headquaters : Mumbai, Maharashtra, India
Key People : Mr. Nirmal Jain (Chairman, IIFL HoldingsLimited)
Mr. R. Venkataraman(ManagingDirector, IIFL
HoldingsLimited)
Slogan : When Its`s About Money
Website : http://www.indiaifoline.com