Project on Industrial Training<br />Presented by:<br />Karan Deep Ghai<br />Roll no. 94972238184<br />Presented to:<br />M...
What is Insurance?<br />
 Nature of Insurance<br />Risk sharing and risk transfer.<br />Risk assessment in advance.<br />Its not gambling or charit...
SEMANTICS<br />Risk<br />Policy<br />Whole life policy<br />Endowment policy<br />Claim<br />Reinsurance<br />Premium<br /...
TYPES OF INSURANCE<br />Life Insurance <br />General Insurance<br />a) Fire Insurance.<br />b) Marine Insurance.<br />c) S...
 HISTORY OF INSURANCE <br />Insurance has existed for thousands of years.<br />Great fire of London in 1666.<br />Edward L...
Insurance companies<br />
Contd…<br />
Introduction to Money Matter inc.<br />
Company profile<br />Founded by Mr. Prem Pal Sharma.<br />Head office in Delhi<br />2008, came to Punjab.<br />
We create value through focus & discipline…<br />        Vision<br />Enabling Success, Enriching Lives, Spread Smiles<br /...
Acquire and Transform
Improve </li></li></ul><li>Processes<br />Processes<br />Right People<br />Organizational Alignment<br />Execution Discipl...
Focus on Customer, not product <br />Not a Product Program, <br />. . . instead a  Customer Program<br />Understand financ...
Management Team<br />
Products<br />This is basically a wealth Management unit deals in all the almost all investment option present in market. ...
Organization Chart of the Training Unit<br />
SWOT Analysis of Money Matter Inc.<br />
Title<br />             A perceptual study on Investors Behaviour toward Insurance Sector with reference to Money Matter I...
Introduction to the project<br />              The project has been carried out to understand the Perception of Investors ...
SCOPE OF THE STUDY<br />The result of this research would help the company to have a better understanding about the Invest...
Objectives of the study<br /> To study the important parameters that Investors think about before investing in Life Insura...
 Research Methodology <br />Introduction:<br />                   Research is an academic activity and as such the term sh...
  POPULATION
  SAMPLING SIZE</li></li></ul><li>SAMPLE DESIGN<br />              The target population of the study consists of various ...
DATA SOURCE<br />PRIMARY DATA<br />A primary data is a data, which is collected for gathering information first time and t...
Method Of Data Collection<br /> PRIMARY DATA<br />    METHOD OF PRIMARY DATA COLLECTION<br /> <br />The method followed in...
LIMITATIONS OF THE RESEARCH<br />The sample size chosen for the questionnaire was only 100.<br />The research got confined...
Figure 4.2 :  Occupation<br />N=100<br />
Figure-4.3 : Estimated Annual Income Level<br />N=100<br />
Figure 4.4: Percentage of  Income Invested<br />N=100<br />
Figure 4.5 : Ranking the Various Investment Alternatives available<br />N=100<br />
Table 4.6 : Preferences on various  investment alternatives  according to its importance<br />
Figure 4.7 A) : Preferences on various  investment alternatives  according to its importance.<br />
Figure 4.7. (B) Capital Growth as a factor considered  while  Investing.<br />
Figure 4.7. (C) Liquidity as a factor considered  while  Investing<br />
Figure 4.7. (D) Return as a factor considered  while  Investing<br />
Figure 4.7. (E) Tax Benefit as a factor considered  while  Investing<br />
Figure 4.7. (F) Company Profile & Brand Name as a factor considered  while  Investing.<br />Company Profile & Image<br />
Figure 4.8 : Number of People having Insurance Policy<br />N=100<br />
Figure 4.9 : Most preferable Insurance Company<br />
Figure 4.10 Most Preferable Insurance Policy Plan<br />
Figure 4.11 : Rank the  various Parameters that Investors consider before taking Insurance Policy.<br />
Figure 4.12:  Investment through Money Matters Incorporation.<br />
Figure 4.13 :  Factors that makes to invest through  Money Matters Inc.<br />
Findings<br /><ul><li>Maximum numbers of investors choose Insurance as Investment alternative    followed by FD, MF, gold ...
Safety is considered as the most preferred investment alternative because investors are not willing to take more risk.
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A Perceptual Study on Investors Behaviour towards Insurance Sector

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A Perceptual Study on Investors Behaviour towards Insurance Sector

  1. 1. Project on Industrial Training<br />Presented by:<br />Karan Deep Ghai<br />Roll no. 94972238184<br />Presented to:<br />Ms. CheenuGoel<br />Faculty, PCTE<br />
  2. 2. What is Insurance?<br />
  3. 3. Nature of Insurance<br />Risk sharing and risk transfer.<br />Risk assessment in advance.<br />Its not gambling or charity.<br />Huge number of insured people.<br />Assists in capital formation.<br />
  4. 4. SEMANTICS<br />Risk<br />Policy<br />Whole life policy<br />Endowment policy<br />Claim<br />Reinsurance<br />Premium<br />Insurance penetration<br />Insurance density<br />Actuary<br />
  5. 5. TYPES OF INSURANCE<br />Life Insurance <br />General Insurance<br />a) Fire Insurance.<br />b) Marine Insurance.<br />c) Social Insurance &<br />d) Miscellaneous Insurance. (Health insurance, Liability Insurance etc….)<br />
  6. 6. HISTORY OF INSURANCE <br />Insurance has existed for thousands of years.<br />Great fire of London in 1666.<br />Edward Lloyd.<br />1818, first insurance company in India.<br />1850, first general insurance company.<br />
  7. 7. Insurance companies<br />
  8. 8. Contd…<br />
  9. 9. Introduction to Money Matter inc.<br />
  10. 10. Company profile<br />Founded by Mr. Prem Pal Sharma.<br />Head office in Delhi<br />2008, came to Punjab.<br />
  11. 11. We create value through focus & discipline…<br /> Vision<br />Enabling Success, Enriching Lives, Spread Smiles<br /> Mission<br /> To create superior <br /> value in financial sectors.<br /><ul><li>Growth
  12. 12. Acquire and Transform
  13. 13. Improve </li></li></ul><li>Processes<br />Processes<br />Right People<br />Organizational Alignment<br />Execution Discipline<br />Right People<br />Organizational Alignment<br />Execution Discipline<br />Pillars<br />Values<br />Caring ; Honesty ; Passion ; Team Work ; Disciplined Professionalism<br />
  14. 14. Focus on Customer, not product <br />Not a Product Program, <br />. . . instead a Customer Program<br />Understand financial needs and key expectations<br />Evaluating the customer as a whole, not just for a product<br />Product features as designed for the specific segment<br />Segment strategy for sales, operations, and collections.<br />Financials and segment profitability<br />
  15. 15. Management Team<br />
  16. 16. Products<br />This is basically a wealth Management unit deals in all the almost all investment option present in market. They give there services in <br />Insurance<br />Demat Account<br />Mutual Funds<br />Bonds<br />Share<br />Debenture<br />Corporate FD’s & Corporate Loan.<br />Gold<br />
  17. 17. Organization Chart of the Training Unit<br />
  18. 18. SWOT Analysis of Money Matter Inc.<br />
  19. 19. Title<br /> A perceptual study on Investors Behaviour toward Insurance Sector with reference to Money Matter Inc. in Chandigarh<br />
  20. 20. Introduction to the project<br /> The project has been carried out to understand the Perception of Investors towards Insurance Sector in terms of preference towards various Investment alternatives like Insurance , Mutual Fund , Fixed Deposit, Real Estate etc.<br />
  21. 21. SCOPE OF THE STUDY<br />The result of this research would help the company to have a better understanding about the Investor’s perception towards Insurance.<br />The study helps the company by creating awareness about the Investors of different ages and income levels.<br />The study also enables the company to focus the consumer’s preferences and expectations on the product which they offer.<br />This study will help to create awareness about the Money Matter Incorporation.<br />
  22. 22. Objectives of the study<br /> To study the important parameters that Investors think about before investing in Life Insurance Sector Policy.<br />To study the Demographics of Consumers concerning the Insurance sector. <br />To study the various Investment alternatives to Insurance being preferred by the Investors <br /> To find out the awareness of Money Matter Inc. among the Investors .<br />
  23. 23. Research Methodology <br />Introduction:<br /> Research is an academic activity and as such the term should be used in technical sense. <br /><ul><li>UNIVERSE
  24. 24. POPULATION
  25. 25. SAMPLING SIZE</li></li></ul><li>SAMPLE DESIGN<br /> The target population of the study consists of various respondents of various places. This survey was done by collecting the data from the respondents.<br />SAMPLING TECHNIQUE<br /> The sampling technique that adapted to conduct the survey was ‘Convenient Random Sampling’ .<br />
  26. 26. DATA SOURCE<br />PRIMARY DATA<br />A primary data is a data, which is collected for gathering information first time and to analyze the problem.<br />SECONDARY DATA<br /> Secondary data consist of information that already exits somewhere, having been collected for some other purpose. <br />
  27. 27. Method Of Data Collection<br /> PRIMARY DATA<br /> METHOD OF PRIMARY DATA COLLECTION<br /> <br />The method followed in obtaining the primary data was through the structured questionnaire.<br /> <br />SECONDARY DATA<br /> <br /> METHOD OF SECONDARY DATA COLLECTION:<br /> <br />Journals and Magazines<br />Internet<br />
  28. 28. LIMITATIONS OF THE RESEARCH<br />The sample size chosen for the questionnaire was only 100.<br />The research got confined to the City.<br />Responses from the customers may not be accurate.<br /><ul><li>Balance sheet was not available. </li></li></ul><li>Figure 4.1: Age Group <br />N=100<br />
  29. 29. Figure 4.2 : Occupation<br />N=100<br />
  30. 30. Figure-4.3 : Estimated Annual Income Level<br />N=100<br />
  31. 31. Figure 4.4: Percentage of Income Invested<br />N=100<br />
  32. 32. Figure 4.5 : Ranking the Various Investment Alternatives available<br />N=100<br />
  33. 33. Table 4.6 : Preferences on various investment alternatives according to its importance<br />
  34. 34. Figure 4.7 A) : Preferences on various investment alternatives according to its importance.<br />
  35. 35. Figure 4.7. (B) Capital Growth as a factor considered while Investing.<br />
  36. 36. Figure 4.7. (C) Liquidity as a factor considered while Investing<br />
  37. 37. Figure 4.7. (D) Return as a factor considered while Investing<br />
  38. 38. Figure 4.7. (E) Tax Benefit as a factor considered while Investing<br />
  39. 39. Figure 4.7. (F) Company Profile & Brand Name as a factor considered while Investing.<br />Company Profile & Image<br />
  40. 40. Figure 4.8 : Number of People having Insurance Policy<br />N=100<br />
  41. 41. Figure 4.9 : Most preferable Insurance Company<br />
  42. 42. Figure 4.10 Most Preferable Insurance Policy Plan<br />
  43. 43. Figure 4.11 : Rank the various Parameters that Investors consider before taking Insurance Policy.<br />
  44. 44. Figure 4.12: Investment through Money Matters Incorporation.<br />
  45. 45. Figure 4.13 : Factors that makes to invest through Money Matters Inc.<br />
  46. 46. Findings<br /><ul><li>Maximum numbers of investors choose Insurance as Investment alternative followed by FD, MF, gold & silver, real estate and least preference is given to bonds & debentures.
  47. 47. Safety is considered as the most preferred investment alternative because investors are not willing to take more risk.
  48. 48. Company image and premium are the important factors considered before taking life insurance policy.
  49. 49. Due to lack of awareness about money matters inc. only 37% of respondents invest through money matter as they think that company has huge growth potential in future.</li></li></ul><li>Suggestions<br /> On the basis of the analysis of the data collected from the project the following recommendations are suggested to the company:<br />Good distribution network.<br />Security of funds more than Brand name.<br />Advertisement.<br />Awareness.<br />Social well fare.<br />
  50. 50. CONCLUSION<br />

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