Indian Banking Sector

Indian Banking Sector
INTRODUCTION A bank is an institution that deals in money and its substitutes and provides other
financial services. Banks accept deposits and make loans or make an investment to derive a profit
from the difference in the interest rates paid and charged, respectively.
In India the banks are being segregated in different groups. Each group has their own benefits and
limitations in operating in India. Each has their own dedicated target market. Few of them only work
in rural sector while others in both rural as well as urban. Many even are only catering in cities.
Some are of Indian origin and some are foreign players.
India's economy has been one of the stars of global economics in recent years. It has grown by more
than 9% for three ... Show more content on Helpwriting.net ...
In India, however there is a mixed banking system, prior to July 1969, all the commercial banks–73
scheduled and 26 non–scheduled banks, except the state bank of India and its subsidiaries–were
under the control of private sector. On July 19, 1969, however, 14 major commercial banks with
deposits of over 50 Corers were nationalized. In April 1980, another six commercial banks of high
standing were taken over by the government.
At present, there are 20 nationalized banks plus the state bank of India and its 7 subsidiaries
constituting public sector banking which controls over 90 per cent of the banking business in the
country.
CO–OPERATIVE BANKS
Co–operative banks are a group of financial institutions organized under the provisions of the Co–
operative societies Act of the states. The main objective of co–operative banks is to provide cheap
credits to their members. They are based on the principle of self–reliance and mutual co–operation.
Co–operative banking system in India has the shape of a pyramid a three tier structure, constituted
by:
SPECIALIZED BANKS
There are specialized forms of banks catering to some special needs with this unique nature of
activities. There are thus,
o Foreign exchange banks, o Industrial banks, o Development banks, o Land development banks, o
Exim bank.
CENTRAL BANK

A central bank is the apex financial institution in the banking and financial
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Pros And Disadvantages Of Merger And Acquisitions
Introduction
India being one of the fastest growing economies in the world, always tried to adopt the most
successful practices across sectors. It tries to project itself in the global forum with big and mighty
companies in the core sectors. Merger and Acquisitions acts as an important tool for the growth and
expansion of the economy. The main motive behind the M&As is to create synergy between the
likeminded companies or the strong companies and weakly performing companies. M&As help the
companies in getting the benefits of greater market share and cost efficiency. Companies are
confronted with the facts that the only big players can survive as there is a cut throat competition in
the market and the success of the merger depends on how well the two companies integrate
themselves in carrying out day to day operations.
Like in the case of all business entities, banks want to safeguard against risks, as well as the
competition which is ever growing. Also to exploit the available opportunities indicated by the
existing and expected trends. M&As in the banking sector have been on the rise in the recent past in
India. In this backdrop this article illuminates the key issues surrounding M&As in this sector with
the focus on India. It seeks to explain the need ... Show more content on Helpwriting.net ...
The better advantage is the geographical placement of these branches. 65% of the ING Vysya
branches are located where Kotak Mahindra Bank branches are not present. This will definitely help
the combined entity in terms of geographical spread. Also the aim of Kotak Mahindra Bank of
reaching 1000 branches by 2016 is achieved one year before the targeted year. The SME segment is
very strong for ING where the Kotak's presence is less. This also provides diversification in the loan
book for the combined entity. The balance sheet size has almost touched 2,00,000 crores which
takes Kotak Bank to 4th largest bank the private

Swot Analysis Of English Restaurant
10 BEST RESTAURANTS IN NASHIK CITY: ~m.pravalika
Source:Internet
"NASHIK"–according to me it is a city attached with Indian Mythology,traditions,culture and
attracting climate with splendid picturesque environs.Apart from this,the city is also famous for its
wide range of tempting restaurants with different cuisines.So,now let us explore some of the best
Restuarants which can help you when you are in a trip to this scenaric city.
1.Soleil by La Plage
Source:Internet
Soleil by La plage is a perfect restaurant for the food delighters in a beautiful sula wineyards where
they can experience farm to fork dining experience.The rustic theme of interior is the added feature
which makes the visitors to have a fresh dining experience. The interior of Soleil are being made
from recycled material and turned into a framing or furniture.This restaurant prepares its fare from
locally sourced ingredients which keeps best taste and nourishes health.One can enjoy the distinctive
tastes of the special recipes.They have their own cattle farms and grape yards.Romantic ambience
makes it a perfect place to spend with your companions.Children can also have fun and play around
lush greenery in the lounge areas. If you are visting sula wineyards do visit Soleli to have fun
relaxed holiday with various recipes. Address: Survey 32/2,Govardhan,Off Gangapur–Ganghavare
Road,Nashik. 2.Barbeque Ville
Source:Internet
Barbeque Ville!!one of the best

Stock Split Advantages And Disadvantages
STOCK SPLIT:
A stock split is a process in which the number of already issued shares increases without increasing
the market capitalization of the company. In other words, Stock split is nothing but the division of
already issued shares of a firm into a larger number of shares. Stock split increases the number of
outstanding shares while at the same time decreasing face value & share price proportionally. i.e,
when a company split its stock 2–for–1, then the number of shares will get double & face value, the
share price will become half. The goal of the stock split is to make the stock accessible to as many
investors as possible. A share split will result in all shareholders holding more shares in the
company. But, their stake in the share ... Show more content on Helpwriting.net ...
Hence, companies split stocks to come over this problem. Stock splits are mainly carried out with
the intention that it should be affordable to small investors which will eventually enhance the
liquidity of the stock. Hence, the main motive is to enhance the liquidity of the stock.
If a company wants to reduce its market price to half, it will issue 2–for–1 stock split which means
the company will issue additional 1 share per 1 share currently issued thereby doubling the total
number of shares. There might be a 3–for–2 stock split, for example, which means that 3 shares are
to be issued for each 2 shares of currently issues shares.
A stock split is usually applied by companies that have seen their share price increase to levels that
are either too high or are beyond the price levels of peer companies. For e.g, ICICI BANK, shares of
ICICI bank used to trade at 1700 in 2014 & it's peers like HDFC BANK, KOTAK MAHINDRA etc.
used to trade at half of its price at that time & then ICICI came up with a 5–for–1 stock

Financial Advertising in India
INSURANCE SECTOR
ADVERTISING
Insurance ads in india have come a long way in the last three decades. Be it television commercials,
print ads, or bill boards. The change is remarkably noticeable. Earlier most of the advertising in this
sector tended to play crudely on our consistent fear of the future and the unknown. A case in point
being the television advertisement of firms like United India Assurance, National Insurance and
Oriental Insurance. All the aforementioned companies provided insurance policies for contingencies
like fire, robbery and natural disasters. Television commercials of that time tended to be rawly
cooked scripts put together in the doors of hard sell copy. All of them invariably, toyed with our fear
factor. In the ... Show more content on Helpwriting.net ...
One aspect that remained constant throughout were the seasonal ads spread across all major Indian
festivals. The overall image that SBI has managed to retain is that of a surly wisecrack devoid of a
human face. Specific regions meant ads in the local language or dialect even though the sensibilities
of the visual would be more or less pan–Indian. Accordingly the advertising was pretty much
stagnant upto the mid 90's when banks all over the world suddenly started touting their wider array
of services. The creatives were often compromised in order to make for a greater resonance with the
local sensibilities involved. Regionally affiliated branches of the bank like State Bank of Patiala,
State Bank of Maharashtra, State Bank of Indore etc sparsely took out any ads of their own and even
the ones released were very diminutive.
The upheaval started around the mid 90's when State Bank of India started come out with a spate of
well thought and visually compact ads. One of them, for instance had a picture of a stick shielding a
golden egg from being crushed by a brick with the tagline Before You attached to it. The message
was stark and well crafted. This was followed by a phase where State Bank of India started to
advertise its wide range of services across the country.
The positional leverage of the Surprisingly SBI campaign was the fact that the bank had singularly
the

Pair Trading
PAIR TRADING STRATEGIES
Presented by:
Industry Guide: Faculty Guide:
Anand Agrawal – 09206 Sulagn Patanaik – 09150
Mr. Vivek Gupta Prof. Devi Prasad Bedari & Dr. Jaba M. Gupta
Company:
CapitalVia Global Research Ltd.
Road Map
About CapitalVia Why Pair Trading? Project Objective Scope What is Pair Trading? Methodology
Strategy Analysis Observations Findings Limitations Future Scope
Pair Trading 1 November 2010
CapitalVia Global Research Ltd.
Investment advisory firm
Stock tips Commodity tips F&O
Intensive research in stock market Customers: Pan India Offices in India: Bangalore and Indore
Expanding at rapid rate
Pair Trading 1 November 2010
Why Pair Trading
Niche strategy Opportunity in Indian market Only FOREX
Pair Trading
1 ... Show more content on Helpwriting.net ...
ural Networks

Pair Trading
1 November 2010
Trading Based on Ratio Reversion
Select the Pair – OracleFS – Polaris Calculate price ratio of the pair OracleFS/Polaris for last 24
months Calculate Mean and Standard Deviation of Ratios Upper Bound = Mean + SD Lower Bound
= Mean – SD
Pair Trading
1 November 2010
Oracle Financial Services
Symbol OFSS OFSS OFSS OFSS OFSS OFSS OFSS OFSS OFSS OFSS OFSS OFSS OFSS OFSS
OFSS OFSS OFSS OFSS OFSS OFSS OFSS OFSS OFSS Series EQ EQ EQ EQ EQ EQ EQ EQ
EQ EQ EQ EQ EQ EQ EQ EQ EQ EQ EQ EQ EQ EQ EQ Date 22–Apr–08 23–Apr–08 24–Apr–08
25–Apr–08 28–Apr–08 29–Apr–08 30–Apr–08 2–May–08 5–May–08 6–May–08 7–May–08 8–
May–08 9–May–08 12–May–08 13–May–08 14–May–08 15–May–08 16–May–08 20–May–08 21–
May–08 22–May–08 23–May–08 26–May–08 Prev Close 1323.85 1288.55 1280.9 1337.55 1331.85
1299.9 1320.4 1397 1423.3 1346.25 1351.1 1347.05 1318.1 1265.6 1228.3 1326.1 1384.6 1362.55
1403.3 1426.5 1458.45 1506.35 1440.4 Open Price High Price Low Price Last Price Close Price
1330 1290 1300 1365 1345 1315 1330 1450 1447.8 1360 1370 1345 1310 1267 1251 1310 1405
1380 1394 1420 1465 1495.1 1415 1330 1338 1365 1369.8 1359 1351 1425 1462.4 1447.8 1410
1380 1359 1335 1267 1368.95 1404 1439 1413.85 1450 1491 1520 1545 1423 1250 1271 1263.6
1321 1282 1296 1280 1414.95 1335 1293.6 1326.5 1302.7 1243.1 1205 1100 1310 1341.6 1366
1355 1400 1455 1422 1340 1290 1273.4 1335 1332.95 1300 1320 1395 1425.05 1340 1360 1340
1313 1245 1228 1325 1392 1360.15 1409 1424 1485 1515

12345678
Heisenberg's Uncertainty Principle and its Implications for Financial Institutions
Submitted in Partial Fulfilment of Master of Business Administration
By
KARTIK CHANDRA CHATURVEDI
Batch (2013–2015) University Roll No: S133F0010 December 2014
Under the guidance of
NIDHI KAICKER
SCHOOL OF BUSINESS, PUBLIC POLICY AND SOCIAL ENTREPRENEURSHIP
AMBEDKAR UNIVERSITY DELH
PAGE 1
CERTIFICATE
This is to certify that I have successfully completed the project titled Heisenberg's Uncertainty
Principle and its Implications for Financial Institutions submitted in partial fulfilment of the
requirements for the Degree of Master of Business Administration at the School of Business, Public
Policy and Social Entrepreneurship, ... Show more content on Helpwriting.net ...
The study draws economic analogies for Heisenberg's Uncertainty principle and concentrates on the
17 largest Investment Banks and the 10 largest Mutual Funds. It tries to quantify the uncertainty and
lists the economic mass of every institution from among the two groups and the average economic
masses of each group as well. The study was restricted to publically listed Investment Banks and
Mutual Funds and the model was not applicable to privately held and boutique banks and also
wasn't applicable to hedge funds and other private funds which did not report their Net Asset Value
Returns. According to the findings, the economic mass was highest for Goldman Sachs while
Toronto Domino Bank shows the least economic mass. When it comes to Mutual Funds, Pimco the
world's largest mutual fund had the lowest economic mass; the exposure to the crisis could be the
reason behind this. The American Funds Growth Fund of America has the highest economic mass.
This study has been able to show that the Heisenberg's Uncertainty Principle has implications for
financial institutions. For future research, one could look into applying the model for privately held

Financial Institutions and those funds which do not report their returns like Hedge Funds.
PAGE 5
LIST OF TABLES
TABLE NUMBER 1). 2). 3). 4). 5). 6). 7). 8). 9). TITLE LIST OF INVESTMENT BANKS LIST
OF MUTUAL FUNDS LIST OF TIME SERIES TESTS CARRIED

Projects: Customer Relationship Management and Customers
"EFFECTIVENESS OF CUSTOMER RELATIONSHIP MANAGEMENT PROGRAMME IN
STATE BANK OF INDIA"
Submitted In The Partial Fulfillment Of Degree Of MBA
Batch 2006–08
SUBMITTED TO: – SUBMITTED BY:–
Mrs. Riya Sharma Rishi Gupta
(Project Guide) Roll no. 0471483906
[pic]
MAHARAJAAGRASEN INSTITUE OF TECHNOLOGY
PSP AREA, SECTOR–22 ROHINI, DELHI–110085 Ph: 25489493–
WHOM SO EVER IT MAY CONCERN
This is to certify that the project on "EFFECTIVENESS OF CUSTOMER RELATIONSHIP
MANAGEMENT PROGRAMME IN STATE BANK OF INDIA" carried out by Rishi Gupta S/o
Sh. Manmohan Lal, under my guidance is an original research ... Show more content on
Helpwriting.net ...
People who are using the services of other banks are generally attracted with the highly efficient
staff and services like InstaAlert etc. Majority of the people prefer to open their accounts in SBI
Bank because of their wide network and tie up with other bank's branches and companies. Though it
is in the mind of the people that public sector banks don't give the best service but my project result
is totally opposite to this. The survey shows that 88% customers are fully satisfied with the bank's
performance and their dealings. But the other side that come into light while this study is that some
customers are also not satisfied with the dealings of the bank because of some reasons and Bank has
to take corrective measures.
CHAPTER–2

Objective Of The Study & Scope
As we know that the customer is regarded as The King. Customers are the lifelines of the business.
No business can be done without them. But in the competitive market, you can get the customer but
the more difficult is to retain the customers, and this can only de done if we satisfy customers from
head to toe. If we will not satisfy the customers then they will leave our organization and join other.
Today if the organization has the largest customer base then it may be possible it cannot provide the
best services to all these customers.
So I am working on the

The Pradesh Bank Account Balance Enquiry Via Sms And...
Check Andhra bank Account Balance Enquiry Via SMS and Missed Call
The Andhra Bank is one most familiar and leading bank in the country of India and it was
established by the well–known autonomy fighter and a multifaceted genius, Dr.Bhogaraju Pattabhi
Sitaramayya. The Bank was registered on 20th November 1923 and commenced commerce on 28th
November 1923 with a paid up capital of Rs1.00 lakh and a certified capital of Rs10.00 lakhs. away
from each other from usual banking services and solutions, Andhra Bank has introduced some
striking services such as AB Premium present Account and AB Privilege Corporate Salary Savings
Bank Account with additional reimbursement to the consumers. Also, the bank has launched AB
Saral Housing Loan system featuring housing loans up to Rs. 20 Lacs Andhra Bank has as well
amalgamated with a variety of economic institutions similar to Kotak Mahindra, Birla Sun Life
Mutual Fund, Reliance, and Fidelity Mutual Fund, supplementary them in sales of their shared
finance products. The bank has also signed a communication of Understanding with Maruti Suzuki
Ltd. for financing 4 wheeler vehicles. Andhra Bank is the first bank in India to encompass launched
mobile biometric ATMs. These ATMs stop at predestinated sites, and in its place of inward bound
the individual recognition number (PIN), the consumers contain to match their fingerprints with
their recorded fingerprints in the bank record. This has enabled yet the uneducated or inexpert
consumers of the

The Determinants Of Customer Satisfaction Essay
In this section, it is noted that researchers gain knowledge based on observation and
experimentation. Using the determinants of customer satisfaction like service quality, customer
perception, customer experience, customer awareness, customer compliance process and customer
trust and confidence, we have presented the empirical evidence which many researchers have
discussed on the concept of customer satisfaction within the financial sector as well as in a
regulatory environment in some cases.
Service Quality
Johnston and Kong (2011) defined service quality using two perspectives; operational service
quality and customer perceived quality. In their study, they noted that operational service quality is
the operation's assessment of how well the service was delivered to its specification as defined in
operational procedures, training manuals while customer perceived quality is the customer's
judgement of the quality of the service; their experience and the perceived benefits when in
comparison to their needs and expectations.
Othman and Owen (2001) conducted a study about customer satisfaction in Islamic Banks by using
the service quality model. Their study used a survey of 360 customers selected by the Systematic
Random Sampling. Using CARTER model scale, their results suggested that customer satisfaction
in Islamic Banks should be measured through the proposed thirty–four (34) items instead of
reducing it into the original number of SERQUAL's five dimensions and their

Project Report on Summer Training in Kotak Mahindra Life...
A PROJECT REPORT
ON
EXPLORATIVE STUDY ON RECURIMENT OF LIFE ADVISOR
IN INSURANCE COMPANY.
SUBMITTED IN PARTIAL FULLFILMENT OF THE REQUIREMENT OF
BACHLOR OF BUSINESS ADMINISTRATION (B.B.A)
JAI NARAYAN VYAS UNIVERSITY, JODHPUR.
SUBMITTED TO SUBMITTED BY
MISS. MIRDULA CHANDA MUSHFIK HASNEN RIJVI
SUPERVISER B.B.A. III YEAR
AISHWARYA COLLEGE OF EDUCATION E.NO 07/9176
PROJECT SUPERVISED BY:– ASHISH KHATRI
(SALES MANAGER) KOTAK MAHINDRA LIFE INSURANCE
SESSION 2007–2010
A–9 1ST Extension, Kamala Nehru Nagar,
Jodhpur (Raj.)
CERTIFICATE
This is to certify that Mr.MUSHFIK HASNEN RIJVI, Enrollment No. 07/9176 has supervision his
project report on RECURIMENT OF LIFE ADVISOR.
The work embodied ... Show more content on Helpwriting.net ...
Furthermore, the premium rate you are quoted at 35 will be the premium you will pay when you are
65! Unless of course, you have purchased a policy that is designed to be paid up over a period of
years. This is a great benefit. You can pay up your coverage over a period of years, usually ten or
twenty, and then have the satisfaction of knowing that your life is covered forever!
On the other hand, some term policies do not guarantee that rates will remain level through the
whole term. To guarantee that rate, you could have to buy an extra rider, and all of a sudden, that
policy is not as cheap as it looked like before. If you do not make sure the premium will remain

level, and you do not buy the rider, you could find your rates increased after five years. With a term
policy, you will either have to accept the higher premium or lose the policy, with nothing to show
for the years you did pay on it.
Another advantage of permanent coverage is that it can actually be used as an asset. When you build
up cash value, you can borrow against that value. You can even choose to cash your policy in for the
value. Of course, then you could be left without life insurance, but at least you will have some cash
back for the premiums you put in. If you have a permanent policy, you can even choose to sell the
face value of the life insurance policy in many states. The purchaser will continue making payments
on the policy if it needs to be kept in force, but will pay a cash

Service Marketing Mix
SERVICES MARKETING MIX I am study of the 7 p's of KOTAK MAHINDRA BANK in related
to marketing research. I also study in details 3 p's of service marketing like people, process, &
physical evidence etc. 1) People 2) Process 3) Physical evidence 4) Product 5) Price 6) Place 7)
Promotion
1) PEOPLE: – In the people in the service mix in service organization are people assented
organization and people based organization. Employees of the service firm constitute the major
competency in the understanding business operation. Every employees of the service organization is
marketing person who undertakes either full time or part time marketing ... Show more content on
Helpwriting.net ...
Strategically speaking this is no physically evidence is the material part of the service.
Physically evidence is the term used to describe the types of image that your business goes through
its physical presence. When the customer do not have anything that they can touch, see or try before
they buy they are more likely to assess you by the image you put across. It refers to the tangible
expression and how it is purchased and used. In an online context the physical evidence refers to the
customer experience of the company through the website and the associated support. We can take
the example of Internet Paperwork Uniforms Packaging
4) PRODUCTS
In the service sector the product is intangible service. It consists of the bundle features &
benefits that have relevance to a specific target of the market. These is a high level of flexible
& opportunity to be innovative in designing a product offers the consumers will favor those
product that offer the most quality, performance or innovative features manager in these
organization focus on the marketing superiors products & improving then overtime however
these managers use sometimes caught up in love affair with their product.
5) PRICE
Pricing decision is critical one in service marketing as the component of the

A Study on the Performance Analysis of Mutual Fund of Six...
A STUDY ON THE PERFORMANCE ANALYSIS OF SIX MUTUAL FUNDS OF SIX
DIFFERENT COMPANIES
Submitted in partial fulfillment of the requirements for the
Award of Bachelor of Commerce of Christ College(Autonomous)
Chapter 1
Introduction
1.1 Introduction to Finance Finance is a field that studies and addresses the ways in which
individuals, businesses, and organizations raise, allocate, and use monetary resources over time,
taking into account the risks entailed in their projects. The term finance may thus incorporate any of
the following: The study of money and other assets; The management and control of those assets;
Profiling and managing project risks; The science of managing ... Show more content on
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The money thus collected is then invested in capital market instruments such as shares, debentures
and other securities."
1.3 Mutual Fund Operation Flow Chart
In a mutual fund, the fund manager, who is also known as the portfolio manager, trades the fund's
underlying securities, realizing capital gains or losses, and collects the dividend or interest income.
The investment proceeds are then passed along to the individual investors. The value of a share of
the mutual fund, known as the net asset value per share (NAV), is calculated daily based on the total
value of the fund divided by the number of shares currently issued and outstanding. Sources:
www.amfiindia.com/
1.4 ORGANISATION OF A MUTUAL FUND
There are many entities involved and the diagram below illustrates the organisational set up of a
mutual fund:
Sources: www.amfiindia.com
1.5 MUTUAL FUND–GLOBALLY PROVEN INVESTMENT AVENUE Worldwide, Mutual Fund

or Unit Trust as it is referred to in some parts of the world, has long and successful history. The
popularity of Mutual Funds has increased manifold in developed financial markets, like the United
States. As at the end of March 2006, in the US alone there were 8,002 mutual funds with total assets
of over US$ 9.36 trillion (Rs.427Iakh crores). In India, the mutual fund industry started with the
setting up of the Unit Trust of India in 1964. Public sector banks

Factors Responsible For Growth Of Hospitality And Tourism...
Analysis Of Factors Responsible For Growth Of Hospitality And Tourism Industry In India
Hospitality is the relationship between the guest and the host, or the act or practice of being
hospitable. Specifically, this includes the reception and entertainment of guests, visitors, or
strangers. Hospitality industry includes hotels, travel & tourism, health clinic, spa, amusement parks
and many more.
The individual curiosity for new knowledge, quest and entertainment act as medium for the growth
of this industry. This industry also has capability to attract other sectors in the economic owing to
the cross synergistic benefits.
Tourism and hospitality industry is the leading service industry worldwide in terms of gross revenue
and foreign exchange earnings. Also it is one of the among major employment generators across
globe.
In Indian context, it is similar to other countries. Indian hospitality and tourism industry is poised for
long term sustainable growth and looks to stabilize and grow further in future. It is clear by "The
Travel and Tourism Competitiveness Report" of 2013, published by World Economic Forum, India,
... Show more content on Helpwriting.net ...
Budget Hotels are the next destination by companies as there is emergence of higher middle and
lower middle class, which shows huge interest in these sectors. India is famous for its rich history in
"Aayurveda" and "Yoga", besides this many metros has excellent medical facilities in today's
modern and developed technology related to medical science, which makes Medical & Health
Tourism a new urge for these sector. New avenues having growth potential are also finding out by
these industry owners to attract previous as well potential customers. Emergence of Mixed Land
Usage and huge spurt of international brands also make Indian industry aware to find new ways to
get competitive

Summer Internship in Lic
CERTIFICATE This is to certify that the project work done on Consumer's attitude towards
Investment is a bonafide work carried out by Mr. Sandeep Singh Bhati under my supervision and
guidance. The project report is submitted towards the partial fulfillment of 2 – year, full time Post
Graduate Diploma in Management. This work has not been submitted anywhere else for any other
degree/diploma. The original work was carried during 15th May to 15 June, 2010 in LIC OF
INDIA, Balotra (Rajasthan) Name & Sign of Faculty Prof. Nupur Mishra Date: Acknowledgment I
am hearty grateful to Mrs. Renu Luthra (director). She have always been an invaluable source of
inspiration had work, sincerity and dedication. It gives me immense pleasure in ... Show more
content on Helpwriting.net ...
Prior to 1912 India had no legislation to regulate insurance business. In the year 1912, the Life
Insurance Companies Act, and the Provident Fund Act were passed. The Life Insurance Companies
Act 1912 made it necessary that the premium rate tables and periodical valuations of companies
should be certified by an actuary. But the Act discriminated between foreign and Indian companies
on many accounts, putting the Indian companies at a disadvantage. The first two decades of the
twentieth century saw lot of growth in insurance business. From 44 companies with total business–
in–force as Rs.22.44 Crore, it rose to 176 companies with total business–in–force as Rs.298 Crore in
1938. During the mushrooming of insurance companies many financially unsound concerns were
also floated which failed miserably. The Insurance Act 1938 was the first legislation governing not
only life insurance but also non–life insurance to provide strict state control over insurance business.
The demand for nationalization of life insurance industry was made repeatedly in the past but it
gathered momentum in 1944 when a bill to amend the Life Insurance Act 1938 was introduced in
the Legislative Assembly. However, it was much later on the 19th of January 1956 that life
insurance in India was nationalized. About 154 Indian insurance companies, 16 non–Indian
companies and 75 provident were

Case Study Of Kotak Mahindra Bank
Kotak Mahindra Bank ltd. is an Indian bank and financial service firm which was established in
1985. Earlier, it was known as Kotak Mahindra Finance Limited, a NBFC(non–banking financial
company). In feburary 2003, the Reserve bank of India gave license to Kotak Mahindra Finance ltd.
to carry our baking business in the country and in the history of Indian Banking, it is the first
company that is being converted into bank. As so September 2014, the bank has consolidated
balance sheet of US $3.3 billion and has over 500 branches and more than 1000 ATM's across the
country.
Kotak Mahindra Bank merged with ING Vysya Bank and the merger was in effect from April 1
,2015 and the merged entity has work under the name of Kotak Mahindra Bank and the ... Show
more content on Helpwriting.net ...
o Fixed income products offers highly qualified products from qualified experienced professionals
providing plain vanilla debt issuance to Asset Backed Securities (ABS) , structured products
Mortgage Backed Securities (MBS) and loan syndication.
Trade Finance: Companies that are involved in export and import have sought the expertise of
unique trade finance solutions of Kotak Mahindra Bank. These primarily include tailor made
solutions designed to meet the needs of export and import services. Apart from this, corporate are
being provided by bank guarantees and other unique domestic services.
Commercial Banking: It meet the needs of corporate when it comes to logistics and infrastructure,
transportation and tractor industries.
Transactions Banking: Kotak Mahindra Bank simplifies the intricate financial clearing system in
India for corporate by offering payables and receivables services while ensuring certainty of cash
flows.
Current Account: Quick and timely access to funds is being provided to all corporate customers by
giving a 2 Way Sweep feature for giving liquidity and higher returns to meet the demanding
business

Economic Order Supply Driven Structure Essay
economic order supply–driven structure was replaced by the demand–driven market structure
through liberalization and entry of private sector players.
3.4.3 INSURANCE REGULATORY ACT (1999)
The Malhotra Committee Report set the tone of change in the Indian insurance sector and
deregulation followed subsequently. Indian cabinet approved the Insurance Regulatory Authority
(IRA) Bill on 6 March 1999 which was aimed at liberalizing Indian life and general insurance
industry. However, due to political instability the bill could not be ratified by the Indian parliament.
The bill was subsequently termed as IRDAAct and passed in the Parliament on 7 December 1999.
With the passing of the bill the monopoly position of LIC was removed and private companies were
allowed to operate in the Indian insurance market. After the IRDA bill was passed in the Parliament,
private insurance companies were given licenses to operate in the Indian market. Joint ventures
between Indian and foreign companies were allowed but FDI was limited to 26 per cent of Rs 100
crore capitals of life companies and Rs 200 crore for non–life companies. Indian insurance market
witnessed a silent revolution with the IRDA in place. IRDA, in the light of with its Mission
Statement came out with several guidelines/circulars/orders in the interest of healthy growth of the
Indian insurance industry, protection of consumers' interest and orderly management of insurance
companies. Mission Statement of IRDA.
In its Annual

A Report On The Bank
In October, DCB Bank announced that it would rapidly expand its branch network from current 160
to 300 in the next 2 years. This massive expansion was seen by the investors against the backdrop of
the increased competition from micro finance institutions (MFIs) which have been awarded small
finance bank licenses, as well as payment banks which would soon become a reality in India. The
markets punished the stock soon after by raising concerns about the bank's profitability which had
already missed street expectations for the quarter ending in September. Hence, analysts lowered the
future estimates for DCB bank which was also corroborated by the bank itself.
Incidents like these bring to light the hazard the established banks might have to face once the
advent of new banks hits India.
In a year's time, the number of banks in India will rise by more than 45%. Until 2014 there were 25
public sector banks (PSBs) and 20 private banks, i.e. a total of 45 banks. With the Reserve Bank of
India (RBI) having granted licenses to 2 private banks, 11 payment banks and 8 small finance banks,
the number will rise to 66 in about 18 months when these banks get functioning. Contrast this with
the period from 1990 to 2014 when only 9 banks were given licenses, but in 2014–15 alone, 21
licenses have been granted; it spells a serious change in market dynamics. Until 2014 Since2015
Public Sector Banks 25 25
Private Banks 20 22
Payment Banks – 11
Small Finance Banks – 8
Total 45 66
Percentage

Swot Analysis Of Kotak Mahindra
The day US met UK – The Merger of ING Vysya with Kotak Mahindra
India's banking industry is largely fragmented with more than half of the commercial banks being
state–run entities. It has seen one of the biggest mergers of all time in the recent past with Kotak
Mahindra taking over ING Vysya. While the Indian banking sector is still facing tough times, Kotak
Mahindra's merger with ING Vysya will help the former to expand their presence across India.
This merger has propelled Kotak into the top ranks of India's private lenders at number 4. The
combined entity will possess assets worth $32 billion. The merger will result into a network of more
than 1,250 branches and 1,900 ATMs across the country. Post the merger, Kotak which already has
most of its branches in West and North India, will get a strong hold in Southern India too,
particularly in the states of Karnataka and Andhra Pradesh. While Kotak's strength lies in its
corporate and retail banking, ING Vysya's strength lies in its small and medium enterprise business
(SMEs) operations, which will truly complement Kotak.
I was one of the lucky ones to have witnessed this ... Show more content on Helpwriting.net ...
We can now penetrate deeper into India; can serve a lot more customers and offer a wide range of
products like tractor loans, mutual funds, insurance and more to a larger customer base. I am a
believer in deep India growth," he added.
The merger is an all stock merger. 1000 shares of Rs.10 each of ING Vysya will receive 725 shares
of Rs.5 each of Kotak Mahindra Bank. This exchange ratio indicates an implied price of Rs.790 for
each ING Vysya share based on the average closing price of Kotak shares during one month to
November 19, 2014, which is a 16% premium to a like measure of ING Vysya market price. The
merger will result in issuance of approximately 15.2% of the equity share capital of the merged

Research Paper On Kotak Mahindra
Project TitleWorking Capital Management Analysis on Kotak Mahindra GroupObjectives To Ensure
Smooth Working Capital Operating Cycle: The primary objective of the working capital
management is to ensure smooth operating cycle of the business. This implies that the operating
cycle i.e. the cycle starting from acquisition of raw material to its conversion to cash should be
smooth. To Determine Lowest Working Capital: Working capital here refers to the current assets less
current liabilities (net working capital). It should be optimized because higher working capital
means higher interest cost and lower working capital means risk of disturbance of operating cycle.
To Determine Minimum Rate of Interest or Cost of Capital: The cost of capital ... Show more
content on Helpwriting.net ...
Problem StatementInadequate Working Capital Stagnant growth: It becomes difficult for the
company to take advantage of new opportunities or develop new products or adapt to alteration of
production techniques needed when new opportunities arise. Loss of credit opportunity: The
inadequacy of working capital funds make firms unable to secure attractive credit opportunities. A
company with working capital need not seek for credit opportunities because the firm will be able to
finance large stock and can therefore place large orders. Loss of cash discount: Companies try to
persuade their debtors to pay early by offering them a cash discount off the actual price. A company
with inadequate working capital funds will not be able to enjoy this benefit. Loss of goodwill: A
company with good reputation can expect cooperation from the trade creditors at the time of
financial difficulties. A firm will lose its reputation when it is not in position to honor its short–term
obligations. As a result, the firm faces tight credit

Outline Of An Project On Employment Essay
SURAJ B.COM.(H) Sec–D A3104614253 submitted to DR. VINOD KUMAR
ACKNOWLEDGEMENT I am thankful to DR. VINOD KUMAR, my faculty guide, who has
provided the requisite guidance and help for the completion of my project. SURAJ A3104614253
CERTIFICATE This is to certify that MR. SURAJ of b.com.(H) of amity college of commerce and
finance has completed his project under my guidance . I certify that this project is as per guidelines.
DR. VINOD KUMAR CONTENTS 1.–INTRODUCTION 2.–FINDINGS 3.–EMPLOYMENT IN
TOP 5 PUBLIC SECTOR BANKS 4.–EMPLOYMENT IN TOP 5 PRIVATE SECTOR BANKS 5.–
EMPLOYMENT IN TOP 5 FOREIGN BANKS 6.–CREATION OF NEW JOBS IN BANKING
SECTOR 7.–DECLARATION OF STAFFING SERVICES 8.–OPPORTUNITIES OUT SIDE
INDIA Introduction In this project I will tell how employment is rising in financial sector. In the
financial system there are financial intermediaries, financial markets and financial assets. In the
financial intermediaries there are banks,non–banking financial corporations , mutual fund
companies, and insurance companies. In the financial market there are money market and capital
market. In capital markets there are further divided into primary and secondary market. In the
financial assets/instruments there are primary, indirect and derivative instruments. As by all this we
can understand that there is broad scope of employment in the financial sector. As finance is a basic
concept for every economy and India's market

Indian Bank Swot Analysis
2.1 Global Ranking of Indian Banks
The table 2.1 below depicts that the SBI and ICICI bank are only two Indian public and private
sector banks respectively appearing in the top 100 banks lists and ranked 54th and 107th according
to the assets size in the Brand Directory League Tables 2014.
Table 2.1 Global Ranking of Indian Banks
(Source : Brand Directory League Tables 2014)
Table 2.2 List of Top 15 Banks in the World According to Assets Size
(Source : Brand Directory League Tables 2014)
The above table 2.2 shows the top 15 banks in the world in brand ranking as per the Brand Directory
League Table 2014 according to assets size of the banks. The Wells Fargo bank of USA ranked at 1st
position, followed by HSBC of UK, Bank of America and Citi Bank ... Show more content on
Helpwriting.net ...
Biggest and most successful public sector bank
2. Brand name, market leader, and diversified portfolio
3. 54th ranking position in the top 100 banks in the world
4. Special privilege due to having a separate act
5. Big global network (14 Local Head Offices, 57 Zonal Offices and 20,000 branches in India
and190 foreign offices in 36 countries across the World)
6. First national bank to move to Commercial Banking Service (CBS)
WEAKNESS 1. Lack of effective technology–driven services, when compared to private sector
banks.
2. Staff members show reluctance to resolve customer' complaints quickly
3. Customers' waiting time is long as compared to private sector banks.
4. Still carries the brand image of the traditional public sector bank to modern customers
5. Spends a huge amount of income on its rented outlets
6. Biggest number of employees in banking sector and it spends a considerable amount of income in
employee's salary compensation
7. Fails to attract salary accounts of several corporate and government sector
8. Susceptible to political

Ipo Case Study
FIN F314
Investment Banking and Financial Services
IPO Case Study:
Bajaj Corp Ltd
A.Sai Sravan 2013AAPS117H
K.Chaitanya 2013AAPS094H
T.Raghunandan 2013AAPS148H
M.S.R Karthik 2013A1PS808H
Abstract
This case study describes the IPO of Bajaj Corp Ltd., the second largest company in the Shishir
Bajaj Group of companies. It also enlists the objectives and the process of the IPO, issued on 02–
08–2010. It describes the merchant bankers and underwriters involved, and discuss post–issue
effects on the company.
Introduction
The company was incorporated at Mumbai as a private limited company, with the Registrar of
Companies, Maharashtra, under the Companies Act, 1956 as Bhaumik Ago Products Private Limited
pursuant to a Certificate ... Show more content on Helpwriting.net ...
Underwriting is an agreement to subscribe of a corporate body when the existing shareholders and
the public don't.
Kotak Mahindra Capital Company Ltd and Kotak Securities Ltd are the underwriters for this issue.
Issue Process
This issue was a book built offer. Book building is a systematic process of generating, capturing,
and recording investor demand for shares during an initial public offering (IPO), or other securities
during their issuance process, in order to support efficient price discovery.
In terms of Rule 19(2)(b) of the Securities Contracts (Regulations) Rules, 1957 (SCRR), this being
an issue for less than 25% of the post–Issue capital, the Issue is being made through the 100% Book
Building Process wherein at least 60% of the Issue shall be allocated on a proportionate basis to
Qualified Institutional Buyers (QIB) Bidders.

Issue Subscription Detail: Objectives of the Issue:
Promote future products
Acquisitions and other strategic initiatives
General Corporate Purposes.
Issue Details
100% of the issue was offered through equity shares. There are no bonds, preferential stock,
debentures for this

Dreams: One Of The Most Important Statement Of Dreams In...
Never give up on your dream... because you never know what the Lord can bless you with.
Kelly Rowland
Dreams are one of the most important parts of the life. Every person in the world lives with dreams.
They provide motivation to one to achieve goals. I am also a dreamer and belong to the city of
dreams, a big city of Mumbai where dream are fulfilled. I strongly believe that whenever a problem
arises towards achieving a goal, you have two clear choices – to back out of goal–plans or to take it
on as a challenge, solve it and grab the opportunity to be in charge of your destiny.
I believe that every person has two traits to their personality – first are the inherent qualities,
charisma, aura they are born with – the other is the one that ... Show more content on
Helpwriting.net ...
And management supported by technology would increase my interest and efficiency in studies. It is
also imbibes various soft skills like team building, leadership, entrepreneurial, decision making etc.
Thus USA is my post preferred destination for MBA program
Here I will study about many concepts with Business applicability. MBA really gives the ability to
make better and more intellectual decisions economically and personally. In MBA classrooms
discussions with professors and fellow classmates enables you to learn from knowledge and
business situations of other companies explained by them bringing their companies experiences to
class.
I strongly desire to continue my further education and research at your university. I understand the
high level of commitment, authenticity and determination required for succeeding in your program.
I am more than prepared and enthusiastic to work towards achieving it and my desire to excel would
allow me to make a remarkable involvement to the university. The range and diversity of institutions
and programs makes graduate study in the USA the best in the

Are Indian Banks Heading Towards Financial Embarrassment?
Are Indian Banks Heading Towards 'Financial Embarrassment'? – Kiran Kumar K V
The manner in which US Federal & other central banks of advanced countries are shaping their
monetary policies in order to avoid another economic downturn, is going to precisely result in that –
claimed Mr. Raghuram Rajan, RBI Governor at LBS last week1 (Refer Box–1). The practice of
zero–lower–bound interest rates of Fed and ECB in order to fuel industrial growth is unconventional
and exposing other markets as well to the macro–economic risks. While saying this, Mr. Rajan also
ensures to sound confident on the prospects of India and Indian Banks despite the external
influences like these.
While the Central Bank and the Government will dwell upon to ensure the external risks of the
above–kind, the banks per se, operating in India need to ensure that they are operationally covered
to sustain themselves. Ceteris paribus, especially the external risks, how do the Indian banks cope
with distress?
Objective of this Analysis: This analysis aims to test the possibility of Commercial Banks in India
going bankrupt in the next 2–3 years, purely based on their operational efficacy.
Methodology: Various ready–made methods of bankruptcy prediction are available, that take the
form of survival approach, option–valuation, neural–network models and other sophisticated
approaches. These methods focus on risks emanating from externalities as well as internal affairs of
a firm. As the aim of this study is to predict

An Outline Of Joint Funds India Essay
Chapter 3
Company profile This chapter is fanatical for providing theoretical outline of joint funds India. This
chapter too offerings the kinds of countless schemes, advantages and problems and also explicates
the applicable terminology. A Mutual fund is a trust that pools the investments of a number of
stakeholders who share a mutual financial aim. The money thus composed is then capitalized in
capital market instruments such as shares, debentures and other securities. The income received
through these funds and the capital increases understood are shared by its element holders in amount
to the number of units kept by them. Thus a mutual fund is the most appropriate investment of the
common man as it offers a chance to invest in an expanded, skillfully managed basket of securities
at a comparatively low cost. The flow chart below defines largely the working of mutual funds.
MUTUAL FUNDS IN INDIAABN AMRO Mutual Fund │Birla Sun Life Mutual Fund│Bank of
Baroda Mutual Fund (BOB Mutual Fund)│HDFC Mutual Fund│HSBC Mutual Fund│ING Vysya
Mutual Fund │Prudential ICICI Mutual Fund│Sahara Mutual Fund │State Bank of India Mutual
Fund (SBI)│Tata Mutual Fund. The concept of mutual funds in India dates back to the year 1963.
The era between 1963 and 1987 marked the existence of only one mutual fund Company in India
with Rs. 67bn assets under management (AUM).by the end of its monopoly era. The Unit Trust of
India (UTI), by the end of the 80s decade,

Customer Satisfaction Survey at the Royal Bank of Scotland
CUSTOMER SATISFACTION SURVEY AT THE ROYAL BANK OF SCOTLAND |
ACKNOWLEDGEMENT
We express our sincere gratitude to our industry guide Ms.Shalini Menon, Vice–President Business
Banking, The Royal Bank of Scotland for her able guidance, continuous support and cooperation
throughout our project, without which the present work would not have been possible.
We would also like to thank the entire team of RBS business banking, for the constant support and
help in the successful completion of my project.
Also, we are thankful to our faculty guide Mr. Swarnpreet Singh of our institute, for his continued
guidance and invaluable encouragement.
TABLE OF CONTENTS Introduction * Objective Literature Review * ... Show more content on
Helpwriting.net ...
These claims on banks can act as money because they are negotiable or repayable on demand, and
hence valued at par. They are effectively transferable by mere delivery, in the case of banknotes, or
by drawing a cheque that the payee may bank or cash. 2. Netting and settlement of payments –
banks act as both collection and paying agents for customers, participating in interbank clearing and
settlement systems to collect, present, be presented with, and pay payment instruments. This enables
banks to economies on reserves held for settlement of payments, since inward and outward
payments offset each other. It also enables the offsetting of payment flows between geographical
areas, reducing the cost of settlement between them. 3. Credit intermediation – banks borrow and
lend back–to–back on their own account as middle men. 4. Credit quality improvement – banks lend
money to ordinary commercial and personal borrowers (ordinary credit quality), but are high quality
borrowers. The improvement comes from diversification of the bank's assets and capital which
provides a buffer to absorb losses without defaulting on its obligations. However, banknotes and
deposits are generally unsecured; if the bank gets into difficulty and pledges assets as security, to
raise the funding it needs to continue to operate, this puts the note holders and depositors in an
economically subordinated position.
INDIAN BANKING

Case Study Of Kotak Mahindra Common Store
Kotak Mahindra
Kotak Mahindra Common Store (KMMF) oversaw by Kotak Mahindra Resource Administration
Organization Ltd., is a completely possessed auxiliary of Kotak Mahindra Bank Ltd. Kotak
Mahindra Common Store initially dispatched its plans in the year 1998 and from that point forward
it has become colossally throughout the years. Today it has over a 7.5 lakh speculators. The
organization is available in 76 urban areas and has 79 limbs. It additionally has worldwide business
locales at New York. It additionally gets the credit of dispatching a standout amongst the most
imaginative plans like Kotak Overlaid and offering Kotak bond Store Connected with Free Life
coverage.
Kotak Mahindra is one of India's heading money related establishments, ... Show more content on
Helpwriting.net ...
is an American holding organization that, together with its auxiliaries, is alluded to as Franklin
Templeton Speculations; it is a worldwide venture firm initially established in New York in 1947 as
Franklin Merchants, Inc. It is recorded on the NYSE under the ticker BEN, to pay tribute to
Benjamin Franklin, who was appreciated by author Rupert Johnson, Sr. In 1973 the organization's
central station moved from New York to San Mateo, California. Today, Franklin Templeton
Speculations is one of the world's biggest resource administration bunches with over Us$844.7
billion in resources under administration (AUM) in excess of 25 million private, proficient and
institutional speculators, as at September 30, 2013, up $29.7 billion or 4% amid the fourth quarter
(FY

Put Call Parity
FDRM Project
On
9/17/2014
Estimation of NIFTY Spot
Price Using Put–Call Parity
Under the guidance of
Professor Rajiv Srivastava
Submitted by:
Abhay Sharma (1A)
Ayush Gupta (9C)
Sachin Gupta (38A)
Shikhar Mathur (45A)
Table of Contents
1.
2.
3.
4.
5.
6.
Executive Summary...................................................................................................2
Introduction ..............................................................................................................3
1.1 Why Derivative Markets....................................................................................................3
1.2 Derivative Markets.............................................................................................................3
1.3 Types of Traders..................................................................................................................5
1.4 Types of Contracts..............................................................................................................5
1.5 Development of Indian Derivatives Market....................................................................6
Objectives of the ... Show more content on Helpwriting.net ...

In developed and emerging markets, derivatives markets are used for speculation, investment and
hedging price risk. Generally, derivatives markets have low transaction cost as compared to spot
markets which led more participation and should play an important role in price dissemination
process. The three important roles of derivatives products are as follows: 


Investments – can be used for investments as well as for profit earing purposes.
Hedging – can be used to reduce spot price risk.
Price discovery – should lead the information dissemination process
1.2. About Derivatives Markets
There are various types of derivatives products traded on exchanges across the world. They range
from the very simple to the most complex products. The following are the three basic forms of
derivatives:–
1.2.1 Forwards
A forwards contract is a contract between both buyer and seller of an asset which agrees to a
predetermined date and price on which the contract will be executed. The future date and price is
been agreed on the date on which the contract was made. The future decided date is called as expiry
date and the pre–decided price is called forward price. Forwards contracts are private contracts
which are only traded in Over the Counter (OTC) market. The terms of the
3
contract is been decided by the parties themselves or they can be tailor made as per traders

Merchant Banking
A merchant bank
This free essay was written by a student and not by our expert writers. If you need custom essays on
your exact essay questions, then have a look at our essay writing service.
What is Merchant Bank?
A Merchant bank is a bank or a financial institution which is more focusing on providing financial
services and advice to corporations and wealthy individuals, so we can say that a Merchant bank is
that which providing Private equity activities of banking. There are two types of banks which
provides these private equity services and they are Merchant banks and Investment Banks and the
main difference between these banks is merchant bank invest its own capital in a client company
whereas an investment bank is act as a ... Show more content on Helpwriting.net ...
It includes Public Sector, Private Sector and Foreign Bankers. Following are some examples of
these Bankers:–
Public sector Merchant Bankers: * SBI CAPITAL MARKETS LTD * PUNJAB NATIONAL BANK
* BANK OF MAHARASHTRA * IFCI FINANCIAL SERVICES LTD * KARUR VYSYA BANK
LTD, * STATE BANK OF BIKANER AND JAIPUR
Private Sector Merchant Bankers: * ICICI SECURITIES LTD * AXIS BANK LTD.(FORMERLY
UTI BANK LTD.) * BAJAJ CAPITAL LTD * TATA CAPITAL MARKETS LTD * ICICI BANK
LTD * RELIANCE SECURITIES LIMITED * KOTAK MAHINDRA CAPITAL COMPANY LTD
* YES BANK LTD.
Foreign Players in Merchant Banking: * GOLDMAN SACHS (INDIA) SECURITIES PVT. LTD. *
MORGAN STANLEY INDIA COMPANY PVT LTD * BARCLAYS SECURITIES (INDIA) PVT.
LTD * BANK OF AMERICA, N.A * DEUTSCHE BANK * DEUTSCHE EQUITIES INDIA
PRIVATE LIMITED * BARCLAYS BANK PLC * CITIGROUP GLOBAL MARKETS INDIA
PVT. LTD. * DSP MERRILL LYNCH LTD * FEDEX SECURITIES LTD
ANALYSIS OF ARTICLES
ARTICLE 1:– Marketing effectiveness in Merchant Banking
In this article author Alka Sharma discuss about the economic reforms that took place in Indian
financial sector. This type of reforms has gaining more importance as financial intermediaries and
also help in opening new opportunity for growth and development of various financial services. As a
result of this new reforms there is a shift in financial services from quantitative to qualitative
services. Financial institution is highly

A Study on Mutual Funds of India
CHAPTER 1
INTRODUCTION
MEANING | A Mutual Fund is a trust that pools the savings of a number of investors who share a
common financial goal. The money thus collected is then invested in capital market instruments
such as shares, debentures and other securities. The income earned through these investments and
the capital appreciation realised are shared by its unit holders in proportion to the number of units
owned by them. Thus a Mutual Fund is the most suitable investment for the common man as it
offers an opportunity to invest in a diversified, professionally managed basket of securities at a
relatively low cost. In other words, Mutual fund is a mechanism for pooling the resources by issuing
units to the investors and investing funds ... Show more content on Helpwriting.net ...
It includes swot analysis, products and services.Chapter IV : Conceptual study.This chapter gives a
detailed information on the various concepts of mutual funds, types of mutual funds, fund houses
operating in India,Chapter V :Data analysis.This chapter analyses and interprets the data collected
from the questionnaire.Chapter VI : Findings suggestions and conclusion.This chapter gives details
about the findings from the study, suggestions for improvement and the conclusion.CHAPTER
2INDUSTRYPROFILEORIGIN, GROWTH AND DEVELOPMENT OF THE MUTUAL FUND
INDUSTRYThe mutual fund industry in India started in 1963 with the formation of Unit Trust of
India, at the initiative of the Government of India and Reserve Bank of India.First Phase – 1964–87
Unit Trust of India (UTI) was established on 1963 by an Act of Parliament. It was set up by the
Reserve Bank of India and functioned under the Regulatory and administrative control of the
Reserve Bank of India. In 1978, UTI was de–linked from the RBI and the Industrial Development
Bank of India (IDBI) took over the regulatory and administrative control in place of RBI. The first
scheme launched by UTI was Unit Scheme

Impact Of Performance Parameters On Customers '...
Impact of Performance Parameters on Customers' Satisfaction level of Bancassurance Services in
Public and Private Sector Banks
Ms. Nancy Arora*
Ph.D, Research Scholar
Department of Business Administration, CDLU
Sirsa–125055(HRY)
nancyarora142@gmail.com
Dr. Arti Gaur**
Assistant Professor
Department of Business Administration, CDLU Sirsa–125055(HRY) artigaur2009@gmail.com
Abstract: Bancassurance, which basically involves banks acting as corporate agents for insurers to
distribute insurance products, has evolved as a strong distribution channel in many countries.
Through this paper, an attempt has been made to trace the impact of performance parameters on
level of customers' satisfaction from bancassurance services in public and private sectors banks of
Haryana. The relevant data in this regard has been analyzed with help of t test, Standard deviation
and mean. The results of the study have been interpreted on the basis of such analysis. The results
showed that customers showed higher agreement towards the performance parameters of private
sector banks and lower agreement towards the performance parameters is observed in public sector
banks.
Key Words – Bancassurance, Customer Satisfaction, Performance Parameters, Public Sector Banks
and Private Sector Banks.
BANCASSURANCE – INTRODUCTION:
Bancassurance is a term which describes mutual relationship between insurance companies and
bank and it is well known as bank insurance model (BIM).The insurance company aims to

Banks in India
Nationalisation of Banks
Despite the provisions, control and regulations of Reserve Bank of India, banks in India except the
State Bank of India or SBI, continued to be owned and operated by private persons. By the 1960s,
the Indian banking industry had become an important tool to facilitate the development of the Indian
economy. At the same time, it had emerged as a large employer, and a debate had ensued about the
nationalization of the banking industry. Indira Gandhi, then Prime Minister of India, expressed the
intention of the Government of India in the annual conference of the All India Congress Meeting in
a paper entitled "Stray thoughts on Bank Nationalisation."[2] The meeting received the paper with
enthusiasm.
Thereafter, her ... Show more content on Helpwriting.net ...
One may also expect M&As, takeovers, and asset sales.
In March 2006, the Reserve Bank of India allowed Warburg Pincus to increase its stake in Kotak
Mahindra Bank (a private sector bank) to 10%. This is the first time an investor has been allowed to
hold more than 5% in a private sector bank since the RBI announced norms in 2005 that any stake
exceeding 5% in the private sector banks would need to be vetted by them.
In recent years critics have charged that the non–government owned banks are too aggressive in
their loan recovery efforts in connection with housing, vehicle and personal loans. There are press
reports that the banks' loan recovery efforts have driven defaulting borrowers to suicide
List of Nationalised Banks
1. Allahabad Bank
2. Andhra Bank
3. Bank of Baroda
4. Bank of India
5. Bank of Maharashtra
6. Canara Bank
7. Central Bank of India
8. Corporation Bank
9. Dena Bank
10. IDBI Bank
11. Indian Bank
12. Indian Overseas Bank
13. Oriental Bank of Commerce
14. Punjab and Sind Bank
15. Punjab National Bank

16. Repco Bank
17. State Bank of Bikaner & Jaipur
18. State Bank of Hyderabad
19. State Bank of India
20. State Bank of Mysore
21. State Bank of Patiala
22. State Bank of Travancore
23. Syndicate Bank
24. UCO Bank
25. Union Bank of India
26. United Bank of India
27. Vijaya Bank
List of New

Case Study Of Bharti Infratel
The figure below illustrated that Bharti Infratel is the second largest IPO in India in the last five
years, after Coal India. (Quartz Media USA, 2015) Initial Public Offering Details: Deal Dates:
Announcement/Filing Date: 14 September 2012 Book Building Period: 11 to 14 December 2012
Pricing Date: 17 December 2012 Listing Date: 28 December 2012 IPO Grade: Grade: 4 Rating
Agency: CRISIL, IPO Grade Date: 27 November 2012 This grade indicates that the fundamentals of
the IPO are above average relative to the other listed equity securities in India. (CRISIL, 2012)
Overview: Offer Price: INR 210 Total Value: INR 39669 Million Subscription Ratio: 1.27 Retail
Subscription Ratio: 0.0706; Institutional Sub Ratio: 2.84 Shares from Issuer (Primary): 146.234
Million – 77.41 % ... Show more content on Helpwriting.net ...
Source: (Deloitte Touche Tohmatsu India Private Limited, 2015) With new players like Reliance Jio
entering, the industry is like to see some radical change in market share of its players. Bharti
Infratel's revenue base will depend on the performance of these telecom operators. Conclusion: We
find that the Bharti Infratel IPO was a fairly successful IPO. The timing of the IPO was slightly
early and the company could raise more funds in early 2013. This has been compensated by Bharti
Infratel's additional capital raising activities. Fair price of the IPO ranged between INR 232 and INR
268 based on our valuation. The IPO was subscribed at INR 210 due to tepid response among retail
investors. Overall the IPO was oversubscribed 1.3 times and has generated handsome returns for its
shareholders since list date. The company has outperformed other companies which were listed
during the time. Bharti Infratel has maintained steady growth since the IPO with its EBIT growing at
a 5 year CAGR of 20% and top line growth at par with industry. RoE and RoCE have improved to
13% and 21% respectively showing a phenomenal improvement in operational

Research Paper On Medium Scale Loans
SME Loans– A Perfect Guide For Entrepreneurs With Details And Tricks To Get Through Financial
Help
SME Loans are the loans which are taken to fund small scale and medium scale businesses which
constitute of a major section of the general finance market. Obvious is the fact that small and
medium scale enterprises play a vital role in most of the economies especially when we talk about
the developing countries. As per the statistics provided by the World Bank, in the coming 15 years,
600 million jobs will be needed to absorb the growing workforce. However, if appropriate funds are
there, there would be a steady growth in the SMEs. Hence, in order for the dynamic sector to grow
and provide jobs, it is really critical unlocking the sources ... Show more content on Helpwriting.net
...
 Convenient
Banks are always convenient to use as they are accessible and within the reach of a common man.
As we use banks for depositing or withdrawing money regularly hence it becomes really familiar to
use and becomes our first choice while thinking of getting a loan.
 Non Profit sharing
Other sources of getting loans than the banks offer a particular amount of some part ownership
however the banks are only interested in getting the interest amount in lieu of the loan provided.
 Lower Rates of Interests
Banks provide loans at a much lower rate than some other lending sources for example credit cards,
though it's a little difficult to get.
 Tax Benefits
You can always avail the benefits from tax in case of getting a loan from a bank.
The criteria for your eligibility
Sole proprietorship firms
Partnership firm
Private limited companies
Public limited companies
Manufacturing, trading and service units
Profits in the last 2 years
Must be defined under MSMED Act and by the Reserve Bank of India.
Tips for getting the loans
It's a clear fact that the small scale industries can face a real hard time in order to get themselves

some sort of funds. So, if you are an entrepreneur looking out for a loan on your new venture, you
must first be clear of the facts which can maximize the chances of getting you a loan. Let's take a
look at the below points which can help getting you some

An Outline Of Joint Funds India Essay
This chapter is fanatical for providing theoretical outline of joint funds India. This chapter too
offerings the kinds of countless schemes, advantages and problems and also explicates the
applicable terminology.
A Mutual fund is a trust that pools the investments of a number of stakeholders who share a mutual
financial aim. The money thus composed is then capitalized in capital market instruments such as
shares, debentures and other securities. The income received through these funds and the capital
increases understood are shared by its element holders in amount to the number of units kept by
them. Thus a mutual fund is the most appropriate investment of the common man as it offers a
chance to invest in an expanded, skillfully managed basket of securities at a comparatively low cost.
The flow chart below defines largely the working of mutual funds.
MUTUAL FUNDS IN INDIA
ABN AMRO Mutual Fund │Birla Sun Life Mutual Fund│Bank of Baroda Mutual Fund (BOB
Mutual Fund)│HDFC Mutual Fund│HSBC Mutual Fund│ING Vysya Mutual Fund │Prudential
ICICI Mutual Fund│Sahara Mutual Fund │State Bank of India Mutual Fund (SBI)│Tata Mutual
Fund. The concept of mutual funds in India dates back to the year 1963. The era between 1963 and
1987 marked the existence of only one mutual fund Company in India with Rs. 67bn assets under
management (AUM).by the end of its monopoly era. The Unit Trust of India (UTI), by the end of
the 80s decade,

Notes On Bank Investment Management Services Ltd Essay
A. UTI Asset management company (P) ltd B. Bank sponsored BoB asset management companyltd
Can bank investment management services ltd PNB asset management company ltd SBI funds
management company ltd C. Institutions GIC asset management company ltd IDBI principal asset
management co ltd IL&FS asset management co ltd Jeevan bima sahayoge asset management co ltd
D. Private sector 1. Indian Benchmark asset management co ltd Cholamandalam asset management
co ltd Escort asset management co ltd JM capital management ltd Kotak Mahindra asset
management ltd Sundaram asset management co ltd Reliance capital asset management ltd 2. Joint
ventures – Pre dominantly Indian Burlap sun life insurance management co ltd Credit capital asset
management co ltd DSP Merrill Lynch fund manager pvt ltd First Indian management co ltd Tata
TD water house asset management pvt ltd HDFC asset management pvt ltd 3. Joint ventures – Pre
dominantly Foreign Alliance capital asset management (India) pvt ltd Deut she asset management
(India) pvt ltd Dundee investment management research pvt ltd HSBC asset management (India) pvt
ltd ING investment management (India) pvt ltd Morgan Stanley investment management pvt ltd
Prudential ICICI management co ltd Standard Chartered asset management co pvt ltd Sun F & C
asset management (India) pvt ltd Templeton asset Management (India) pvt ltd Zurich Asset
management company

Selection and Recruitment of Life Advisors for Bharti-Axa...
Introduction:
The title of my project in Bharti–Axa life insurance co ltd was given to me by my mentor in the
company . He is a agency manager in the company. He was very helpful and helped me during the
course of my project.
.
Life advisors: Life advisors have to do financial planning of his clients and sell financial solutions
(policies) to them. They are paid on the commission basis which is the percentage of the premium of
policies they have sold. The average commission is 18%. There are specific qualities they should
have.
They are– ▪ He/She should possess good communication skills. ▪ They should have good contacts as
it is the way a life advisors works on. ▪ He should be qualified.
Title: ... Show more content on Helpwriting.net ...
1968: The Insurance Act amended to regulate investments and set minimum solvency margins and
the Tariff Advisory Committee set up.
1972: The General Insurance Business (Nationalisation) Act, 1972 nationalised the general
insurance business in India with effect from 1st January 1973. 107 insurers amalgamated and
grouped into four companies viz. the National Insurance Company Ltd., the New India Assurance
Company Ltd., the Oriental Insurance Company Ltd. and the United India Insurance Company Ltd.
GIC incorporated as a company.
Insurance sector reforms In 1993, Malhotra Committee, headed by former Finance Secretary and
RBI Governor R. N. Malhotra, was formed to evaluate the Indian insurance industry and
recommend its future direction. The Malhotra committee was set up with the objective of
complementing the reforms initiated in the financial sector. The reforms were aimed at "creating a
more efficient and competitive financial system suitable for the requirements of the economy
keeping in mind the structural changes currently underway and recognising that insurance is an
important part of the overall financial system where it was necessary to address the need for similar
reforms..." In 1994, the committee submitted the report and some of the key recommendations
included: i) Structure
· Government stake in the insurance Companies to be brought down to 50%
· Government should take over

Statement of Purpose
Statement of purpose "Everything comes to us that belongs to us if we create the capacity to receive
it." Rabindranath Tagore. I've always believed that the answer to my destiny lies in creating the
results that I desire. Success is never an accident, but is always by design. I believe perseverance,
drive, passion and strength of character create the right formula for success. I schooled at one of
Asia's premier institutes, Mayo College Girls School. I was thrilled to discover myself here –
playwright, artist, cross country runner, accomplished dancer, webdesigner and most importantly a
leader, having led my teams to success in a variety of events. I have been active in extra curricular
activities and as the assistant editor of school ... Show more content on Helpwriting.net ...
Be it the recession trapped America or the promising Asia, whatever the economic circumstances
are, the boom in free trade and exchange around the world has brought immense opportunities in the
field of marketing & management, and I, intend to encash on these opportunities. Having worked
with an ad agency, I learnt and became interested in how product markets can be developed and
shaped through advertising based on innovative marketing strategies While working for Mahindra
finance and Mahindra Lifespaces, my projects involved assessing competitor strategies, consumer
research and conceptualizing one clutter breaking concept. For Mahindra Lifespaces we devised the
green homes concept. While all others in the market hankered after facilities within reach we offered
a healthy living place (no harmful paints, less energy consumption etc.), along with facilities within
reach thus helping them win India's 1st platinum certificate for green homes. For Mahindra Finance
we sent pre approved loans in the form of a prsonalized cheque to all our target customers across
villages. All they had to do was show the cheque, an identity proof and take home a home loan. We
succeeded in creating a niche image of the fastest and easiest home loans. My career goal is to
establish a business consulting firm providing international firms and investors with the strategies,
leadership, and partnership required to thrive and expand in this dynamic global business
environment.

Indian Banking Sector

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