This document provides details about Anjali Asthana's summer training project at NJ India Invest Pvt Ltd in Bangalore from March to May 2015. It includes an introduction to the company, which operates a financial products distributor network and provides services to independent financial advisors. The document outlines Anjali's assigned works which included conducting a survey on awareness of mutual funds and making clients for the company. It presents the results of the mutual funds awareness survey through pie charts and analyses the organization through a SWOT analysis. The document also provides learning reflections and recommendations to improve the company's operations.

1. A STUDY ON THE WORKING OF ‘NJ INDIA INVEST PVT LTD’
A Summer Training Report submitted to
NJ INDIA INVEST PVT LTD, BANGALORE
in partial fulfillment of the requirements
for the award of the
POST GRADUATE DIPLOMA IN MANAGEMENT
Submitted by
Anjali Asthana
Under the guidance of
Prof. Bikramaditya Ghosh
Industry guide : Suresh Chaudhary( Branch Manager)
ISME LOGO
International School of Management Excellence
Sy. No. 88, Chembanahalli, Near Dommasandra Circle,
Sarjapur Road,
Bangalore-562125
July 2015
[DOCUMENT SUBTITLE]
International School of Management
Excellence Sy. No. 88, Chembanahalli, Near
Dommasandra Circle, Sarjapur Road,
Bangalore-562125
May 2015

2. i
International School of Management Excellence
Sy. No. 88, Chembanahalli, Near Dommasandra Circle,
Sarjapur Road,
Bangalore-562125
1 CERTIFICATE
This is to certify that the Summer Training Report entitled “A Study on the Working of NJ India
Invest Pvt. Ltd.”, in partial fulfillment of the requirements for the award of the Post Graduate
Diploma in Management is a record of original training undergone by Anjali Asthana ( 141220 )
during the year 2014-2016 of her study at the International School of Management Excellence,
Bangalore under my supervision and the report has not formed the basis for the award of any
Degree/Fellowship or other similar title to any candidate of any University.
Place: Bangalore-562125
Date: 22.07.2015 Bikramaditya Ghosh
Asst. Professor
International School of Management Excellence
Bangalore
Countersigned
(Principal)
ISME, Bangalore

3. ii
“ON COMPANY’S LETTER HEAD”
2 COMPANY CERTIFICATE
This is to certify that Anjali Asthana, a student of Post Graduate Diploma in Management, 2014-
2016, International School of Management Excellence, Bangalore bearing Enrolment No
141220, has undertaken the Summer Internship Training at “NJ India Invest Pvt. Ltd.” During
23rd
March 2015 to 23rd
May 2015 under my supervision & guidance. She has conducted a study
on “Awareness of Mutual Funds” & completed the Project on Making clients for the company.
Seal of Organization
Suresh Chaudhary
Date: 22nd June 2015 Branch Manager,
Designation: Branch Manager
Address: 9th block , Jayanagar Bangalore

4. iii
3 DECLARATION
I, Anjali Asthana, hereby declare that the Summer Training Report, entitled “A Study on the
Working of NJ INDIA INVEST PVT LTD” , submitted to the NJ INDIA INVEST PVT LTD,
Bangalore in partial fulfillment of the requirements for the award of the Post Graduate Diploma
in Management is a record of original training undergone by me during the period Mar-May
2015 under the supervision and guidance of Prof. Bikramaditya Ghosh (Assistant Professor),
International School of Management Excellence, Bangalore and it has not formed the basis for
the award of any Degree/Fellowship or other similar title to any candidate of any University.
Place: Bangalore-562125
Anjali Asthana
Date: 22nd
-June-2015

5. iv
4 ACKNOWLEDGEMENT
I am extremely thankful to the “Branch Manager Mr Suresh Chaudhary under whom I was doing
the project and the Unit Manger Mr. D. Sunil Kumar who helped me in the organization” for
their invaluable support and guidance in the completion of this project. I wish to thank Mr. Nitin
Garg, Director, ISME Bangalore, for enabling this endeavor. I wish to express my profound
gratitude to our Academic Mentor Dr. Ramesh G. Tagat and our Principal Dr. Swaroop Reddy
for their kind permission to take up this project work. I express my heartfelt thanks to our Col. H.
S. Mishra, COC-Placement and his team at ISME, Bangalore who provided all facilities for
carrying out this project.
I immensely thank our Project Guide Mr Suresh Chaudhary (Branch Manager) for his valuable
suggestions and for guiding me throughout the work.
Anjali Asthana

6. v
Contents
1 CERTIFICATE..................................................................................................................................i
2 COMPANY CERTIFICATE............................................................................................................ ii
3 DECLARATION ............................................................................................................................. iii
4 ACKNOWLEDGEMENT ............................................................................................................... iv
5 LIST OF GRAPHS AND CHARTS.................................................................................................1
6 INTRODUCTION ............................................................................................................................2
Built On Trust .............................................................................................................................................2
7 COMPANY PROFILE .....................................................................................................................4
NJ Wealth - Financial Products Distributors Network...........................................................................4
Training & Development............................................................................................................................6
8 FUNCTIONING OF VARIOUS DEPARTMENTS ....................................................................7
9 WORK ASSIGNED..........................................................................................................................8
9.1 PROCESS FOLLOWED ..............................................................................................................8
MUTUAL FUNDS : A BRIEF DESCRIPTION ..................................................................................8
A survey on "Awareness of Mutual Funds"...........................................................................................14
10 CONCLUSIONS.............................................................................................................................27
SWOT ANALYSIS OF ORGANIZANATION......................................................................................27
11 SUGGESTIONS AND RECOMMENDATIONS.......................................................................29
12 LEARNINGS.................................................................................................................................30
13 CONTRIBUTION S......................................................................................................................30
14 BIBLIOGRAPHY...........................................................................................................................31

7. 1
5 LIST OF GRAPHS AND CHARTS
S NO Content Page No.
1 Various parts of NJ India 03
2 360 degree platform of NJ 06
3 Work assigned 1 : BUSINESS DEVOLOPMENT 12-13
4 The business module of NJ WEALTH 13
5 Work assigned 2 : Research Methodology 13-26
6 Survey Form on Awareness of Mutual Funds 14-16
7 Survey results with pie charts 17-26
8 SWOT Analysis 28-29

8. 2
6 INTRODUCTION
Built On Trust
A evolving, emerging & enterprising group with its' roots in the financial services sector and
today expanding into newer horizons with great passion.
The vision of the group is to be leaders in businesses driven by customer satisfaction,
commitment to excellence and passion for continued value creation for all stakeholders. This
vision has helped us grow and build the trust of our customers and associates which is at the
cornerstone of everything we do. Trust is also at the heart of our success and the driver for
passion for our success.
NJ Group is a leading player in the Indian financial services industry known for its' strong
distribution capabilities. The journey of NJ began in 1994 with the establishment of NJ India
Invest Pvt. Ltd., the flagship company, to cater to investor needs in the financial services
industry. Today, the NJ Wealth Distributor Network, earlier known as the NJ Fundz Network,
started in 2003 is among the largest networks of financial products distributor in India.
Over the years, NJ Group has diversified into other businesses and today has the presence in
businesses ranging from financial products distributor network, asset management, real estate,
insurance broking, training & development and technology. Our rich experience in financial
services, combined with executional capabilities and strong process & system orientation, has
enabled us to shape a rising growth trajectory in our businesses.
NJ Group is based out of Surat in Gujarat (India) and has presence in 94* locations in India and
has over 1,100+* employees.
Vision:
To be the leader in our field of business through,
Total Customer Satisfaction
Commitment to Excellence
Determination to Succeed with strict adherence to compliance
Successful Wealth Creation of our Customers
Mission:
Ensure creation of the desired value for our customers, employees and associates, through constant
improvement, innovation and commitment to service & quality. To provide solutions which meet
expectations and maintain high professional & ethical standards along with the adherence to the

9. 3
service commitments.
NJ has various parts and it is known for that:
NJ IndiaInvest has two broad distinct divisions of business as follows
NJ Fundz Network, started in 2003, is a dedicated channel for providing independent financial
advisors or IFA's with a complete business platform for the strengthening and development of their
advisory practice. NJ offers advisors under its network will all the products; support and services
that enables them add considerable value to their business, emerge as a 'new age professional
financial advisor' and compete confidently in the industry.
NJ Fundz Network is a unique, first time in India concept that offers such comprehensive business
platform to independent financial advisors
Established as a distinct entity, NJ Wealth Advisors Pvt. Ltd. seeks to offer comprehensive financial
planning and portfolio advisory services to premium clients. With NJ Wealth Advisors, NJ seeks to
leverage the strong financial advisory and portfolio management skills gained in over a decade of
experience in the industry. NJ Wealth Advisors offers its clients with quality, unbiased, need-based
advisory services & investment solutions.

10. 4
This sporadic growth in terms of need of performers in financial advisory services has lead to the
crunch of available performers. Though lots of youngsters are getting into financial advisory
services, but the greatest challenge is of RIGHT SELLING, for which adequate Training is a
prerequisite. Advisory function demands updated knowledge, backed up by honed skills to fetch
effective business. Building long term relationship with clients depends upon possessing clear edge
over others in the field. Hence continuous people development has an important role in building this
fraternity.
Technology has traditionally been NJ's key strength. Our offering on the technological front is
unmatched, vibrant, and comprehensive in nature. Our focus & commitment on technology can be
gauged from the fact that we have set-up distinct entity with a very strong, talented work-force for
the sole purpose of providing the best to NJ in terms of technology and support. Finlogic
Technologies (India) Pvt. Ltd. does all the development & support work in-house on a continuous
basis. It has successfully developed & implemented a powerful support system for the mutual fund
distribution business at NJ with a provision for integrating the same with other investment products
as well as the financial accounting system.
7 COMPANY PROFILE
NJ Wealth - Financial Products Distributors Network
NJ Wealth - Financial Products Distributors Network is one of India's leading and most
successful network of distributors in the financial services industry.
Started in 2003, the NJ Wealth seeks to reach out to the common man and extend the opportunity
to create wealth through an empowered network of financial product distributors – the NJ Wealth
Partners. To its Partners, NJ Wealth provides a full service, comprehensive business platform
with end-to-end solutions critical for success in financial products distribution practice. With it's
compelling set of offerings covering every area of distribution practice, NJ Wealth has managed
to successfully transform the lives of many small and big distributors.
To the common man, NJ Wealth offers a comprehensive wealth management platform with a

11. 5
wide choice of financial and non-financial products. Backed by high levels of excellence in
operational and service standards, NJ Wealth offers customers of its' Partners with solutions that
truly makes a difference.
Driven by the strong vision of 'Creating Wealth and Transforming Lives', NJ Wealth's constant
endeavour is to build on the ideas that are meaningful & effective in scaling business challenges,
seizing available opportunities and serving the interests of the customer.
The NJ Wealth family has grown steadily and today it has over 21,000+ NJ Wealth Partners,
spread across 94 branches in 21 states in India with over 9,70,000+ investors and over
INR 21,500+ crores + of mutual fund assets under advice. Irrespective of the numbers though, it
is trust in us which fuels the passion for creating solutions with excellence that touch many lives,
day after day.
The key offerings of the NJ Wealth Distributor platform is briefly mentioned here.
Product basket
Domestic mutual funds (all AMCs)
Capital Markets - direct equity and ETFs
Fixed Deposits of companies
PMS products (Third party & NJ)
Government/ RBI/ Infrastructure bonds
Residential & commercial properties
Partner Services
Dedicated Relationship Manager
Marketing & Sales support
Research support
Training & Education support
Dedicated Customer Care / Query management support
Technological support, including online business / 'Partners Desk' with CRM &
Employee Management modules
Customer Services:
Online family "Client Desk" enabling single portfolio view of 'entire' wealth portfolio Trading &
Demat Account with online transacting & call-&-trade service in mutual funds, direct equity &
ETF
NJ has created it’s 360 degree platform for financial advisors

12. 6
Training & Development
The NJ Gurukul is a venture aimed at providing valuable training & education support to the
young, emerging talent pool in India. Started in year 2008, NJ Gurukul today offers a very wide
range of training programs across India in all major cities.
NJ Gurukul is about a vision that aspires to nurture the young talent in India and to transform
them into individuals with knowledge & skills for employment and enterprise. With special focus
on the financial advisors community, NJ Gurukul today, is a leading provider of training
programs in the financial services industry. NJ Gurukul offers a wide range of training programs
by way of part / full time classroom sessions being conducted at multiple locations across India.
NJ Gurukul has an institutionalised, process driven approach to training with focus on delivering
uniformity in quality & content.
The NJ Gurukul has a Board of Trainers with over 35 well qualified, professional trainers
empanelled across India for delivering training programs. Within a short time, NJ Gurukul has
trained over 35,000 participants in over 80 locations across India. NJ Gurukul is an authorised
Education Provider (EP) with FPSB India to deliver training for the prestigious Certified
Financial Planner - CFPCM Certification. NJ Gurukul is also amongst the largest trainers of
Mutual Fund Distributors in India.
Key Training Programs:
 Mutual Fund Distributors Certification by NISM for prospective NJ Wealth Distributors

13. 7
 Certified Financial Planner (CFPCM) Certification by FPSB India
Products:
English4all - a distance learning / home kit for English language
PROWESS, CFP DLP,AMFI DLP
8 FUNCTIONING OF VARIOUS DEPARTMENTS
The management at NJ brings together a team of people with wide experience and knowledge in
the financial services domain. The management provides direction and guidance to the whole
organisation. The management has strong visions for NJ as a globally respected company
providing comprehensive services in financial sector.
The 'Customer First' philosophy in deeply ingrained in the management at NJ. The aim of the
management is to bring the best to the customers in terms of
Range of products and services offered
Quality Customer Service
All the key members of the organization put in great focus on the processes & systems under the
diverse functions of business. The management also focuses on utilizing technology as the key
enabler for all the activities and to leverage the technology for enhancing overall customer
experience.
The key members of the management are:
Mr. Neeraj Choksi Jt. Managing Director
Mr. Jignesh Desai Jt. Managing Director
Key Sales Team:
Mr. Misbah Baxamusa National Head
Mr. Naveen Rathod V.P. (Sales)
Mr. Kulbhushan Nandwani A.V.P. (Marketing)
Mr. Prashant Kakkad A.V.P. (Sales)
Key Executive Team :
Mr. Shirish Patel Information Technology
Mr. Abhishek Dubey Business Process
Mr. Vinayak Rajput Operations
Mr. Dhaval Desai Human Resources
Mr. Col. Dixit Administration
Mr. Tejas Soni Finance
Mr. Viral Shah Research
Mr. Rakesh Tokarkar Compliance

14. 8
FUNCTIONING OF VARIOUS DEPARTMENTS: We are working at NJ
WEALTH, a part NJ INDIA PVT LTD has various departments as follows,
A. Management department : The management team has various level of the
senior managers, there are zonal manager, regional manager, HR manager, branch
manager and unit managers. They manage all the official work and take decisions for the
company’s Bangalore branches.
B. Marketing department : The marketing department deals with all the 40 kind
of mutual funds company we have tie up with , they bring the best deals of each company
.
C. Sales department: Sales department deals with the advisers and tell them to
advice these products to client, they sell their products B2B.
D. CRO department: The CRO take the applications of problems of clients through
the company advisers and take the needed action and also they send the issues to HQ.
E. Finance and Accounts department: Finance department take care of all the
funds, SIP and money brought by the advisers, where and how to invest that money is the
main job of the company too . Account department make the entries and keep the records
for those money, funds and SIP
9 WORK ASSIGNED
9.1 PROCESS FOLLOWED
MUTUAL FUNDS : A BRIEF DESCRIPTION
INTRODUCTION: A Mutual Fund is a trust that pools the savings of a number of investors
who share a common financial goal. The money collected & invested by the fund manager in
different types of securities depending upon the objective of the scheme. These could range from
shares to debentures to money market instruments. The income earned through these investments
and its unit holders in proportion to the number of units owned by them (pro rata) shares the
capital appreciation realized by the scheme. Thus, a Mutual Fund is the most suitable investment
for the common strategy.

15. 9
CONCEPT
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 realized is 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 person as
it offers an opportunity to invest in a diversified, professionally managed basket of securities at a
relatively low cost. The flow chart below describes broadly the working of a mutual fund:
THE SECURITY AND EXCHANGE BOARD OF INDIA (Mutual Funds)
REGULATIONS,1996 defines a mutual fund as a " a fund establishment in the form of a trust to
raise money through the sale of units to the public or a section of the public under one or more
schemes for investing in securities, including money market instruments."
Structure of the Indian mutual fund industry
The Indian mutual fund industry is dominated by the Unit Trust of India, which has a total
corpus of Rs700bn collected from more than 20 million investors. The UTI has many
funds/schemes in all categories i.e. equity, balanced, income etc with some being open-ended
and some being closed-ended. The Unit Scheme 1964 commonly referred to as US 64, which is a
balanced fund, is the biggest scheme with a corpus of about Rs200bn. Most of its investors
believe that the UTI is government owned and controlled, which, while legally incorrect, is true
for all practical purposes.
The second largest category of mutual funds is the ones floated by nationalized banks. Can bank
Asset Management floated by Canara Bank and SBI Funds Management floated by the State
Bank of India are the largest of these. GIC AMC floated by General Insurance Corporation and
Jeevan Bima Sahayog AMC floated by the LIC are some of the other prominent ones.
VARIOUS TYPES OF MUTUAL FUNDS : A common man is so much confused about the
various kinds of Mutual Funds that he is afraid of investing in these funds as he can not
differentiate between various types of Mutual Funds with fancy names. Mutual Funds can be
classified into various categories under the following heads:-
(A) ACCORDING TO TYPE OF INVESTMENTS :- While launching a new scheme, every
Mutual Fund is supposed to declare in the prospectus the kind of instruments in which it will
make investments of the funds collected under that scheme. Thus, the various kinds of Mutual
Fund schemes as categorized according to the type of investments are as follows :-
(a) EQUITY FUNDS / SCHEMES
(b) DEBT FUNDS / SCHEMES (also called Income Funds)

16. 10
(c ) DIVERSIFIED FUNDS / SCHEMES (Also called Balanced Funds)
(d) GILT FUNDS / SCHEMES
(e) MONEY MARKET FUNDS / SCHEMES
(f) SECTOR SPECIFIC FUNDS
(g) INDEX FUNDS
B) ACCORDING TO THE TIME OF CLOSURE OF THE SCHEME : While launching new
schemes, Mutual Funds also declare whether this will be an open ended scheme (i.e. there is no
specific date when the scheme will be closed) or there is a closing date when finally the scheme
will be wind up. Thus, according to the time of closure schemes are classified as follows :-
(a) OPEN ENDED SCHEMES
(b) CLOSE ENDED SCHEMES
Open ended funds are allowed to issue and redeem units any time during the life of the scheme,
but close ended funds can not issue new units except in case of bonus or rights issue. Therefore,
unit capital of open ended funds can fluctuate on daily basis (as new investors may purchase
fresh units), but that is not the case for close ended schemes. In other words we can say that
new investors can join the scheme by directly applying to the mutual fund at applicable net asset
value related prices in case of open ended schemes but not in case of close ended schemes. In
case of close ended schemes, new investors can buy the units only from secondary markets.
Some other important Terms Used in Mutual Funds
Sale Price : It is the price you pay when you invest in a scheme and is also called "Offer Price".
It may include a sales load.
Repurchase Price : - It is the price at which a Mutual Funds repurchases its units and it may
include a back-end load. This is also called Bid Price.
Redemption Price : It is the price at which open-ended schemes repurchase their units and close-
ended schemes redeem their units on maturity. Such prices are NAV related.
Sales Load / Front End Load : It is a charge collected by a scheme when it sells the units. Also
called, ‘Front-end’ load. Schemes which do not charge a load at the time of entry are called ‘No
Load’ schemes.

17. 11
Repurchase / ‘Back-end’ Load : It is a charge collected by a Mufual Funds when it buys back /
Repurchases the units from the unit holders.
Description of work assigned
During my training I did different departments work like as marketing department, finance
department and operation department.
Firstly, when I started training, I started with marketing department under Mr. Sunil Kumar (Unit
Manager). He taught me how did we work in market, how we sale a product in the market and
how we contact with customers.
Then I did training in finance department where I worked and learnt how to register and entered
customer data.
Then I started working in operation where my where I learnt how to an entry of a forming daily
records and we can talk with them via telephone. I talked approx or more than 250 people who
were LIC agents and invited I and my colleague Chitturi Anusha invited more than 50 LIC
AGENT to the seminar conducted by NJ GROUP on “BUSINESS OPPORTUNITIES IN
MUTUAL FUNDS”
.
There we advice the LIC agent to join us and became a wealth advisor ,also introduce them with
the benefits of a wealth advisors.
The key offerings of the NJ Wealth Distributor platform is briefly mentioned here.
Product basket
 Domestic mutual funds (all AMCs)
 Capital Markets - direct equity and ETFs
 Fixed Deposits of companies
 PMS products (Third party & NJ)
 Government/ RBI/ Infrastructure bonds
 Residential & commercial properties
Partner Services
 Dedicated Relationship Manager
 Marketing & Sales support
 Research support
 Training & Education support
 Dedicated Customer Care / Query management support

18. 12
 Technological support, including online business / 'Partners Desk' with CRM &
Employee Management modules.
And this was
Our 1st
work assigned : BUSINESS DEVOLOPMENT
Making clients for the company :
 My major job was to make B2B clients for the company whom we call NJ
PARTNER.
 For that 1st
we have to call the financial and insurance advisor and invite them
into the seminar.
 Then we conduct the seminar on “Business Opportunities in Mutual Funds”,
where our seniors gave a presentation that how a insurance advisor can turn
themselves into the wealth advisor .
 Then if the advisor is interested to become a mutual fund advisor, we enrolled
them for AMFI NISM Module5 exam , for that also we make a registration for
them .
 Then when they get the AMFI license they become the NJ PARTNER
Also we make them understand about the business module of NJ WEALTH
AMC
NJ
PARTNERS
CLIENTs

19. 13
Results of my work Assigned 1;
 We organised total 8 seminar in 2 months.
 We called more than 250 people.
 We invited 50 insurance advisors.
 Total 5 clients I made for the company till now and we were still waiting for few
more.
 We conducted 2 training session for the advisors who applied for NISM exam.
Our 2nd
work assigned: Research Methodology
Take a survey on “THE AWARENESS IN MUTUAL FUNDS”:
 The 2nd
work assigned is to do a survey on “THE AWARENESS OF MUTUAL
FUNDS”.
 I have done the survey in two ways 1ST
for offline and 2nd
is online.
 My sample Size is 50.(General Public)
 25 survey, I have done offline (with the local Bangalore people.)
 25 survey, I have done online (all over India)
 My survey form QUESTIONNAIRE URL-
https://docs.google.com/forms/d/1REb8_XbeoAIn-iYVC2Y8HsDyu4W2fg07aNW-
6u6G9xQ/viewform?usp=send_form
 The questionnaire have 10 general question related to income, expenditure and
awareness.
 Each question has optional answer.
 For offline survey I choose the area of JAYANAGAR where I completed my survey.
 For Online survey I sent mails to 25 different people

20. 14
 For online survey I took help of Google forms, from that i got all the responses on my
Google drive in form of excel sheet.
 Age bar for my survey is 18-60
 Each sample is of different age, gender, occupation and income.
 My survey form
“Have you ever thought about wealth creation.... Can you believe that
today's investment in mutual Funds can fulfil your dreams tomorrow.. Do
you really understand Mutual Fund ... Let's go through this Survey....”
A survey on "Awareness of Mutual Funds"
“Hello, I am Anjali Asthana ,a PGDM student at INTERNATIONAL SCHOOL
OF MANAGEMENT EXCELLENCE and I am doing this survey for my
internship project. So please go through the form and select the appropriate option
according to you.”
Thank you
[For general public (Age between 18-60 year)]
* Required
May I know you? *
(Name, age and occupation)
How much do you spend in a weekend ? *
o less than 500
o 500-1000
o 1000-2000
o More than 2000
o Don't spend usually
Do you save money? *
o Yes
o No
Do you invest that savings in any kind of Financial Products? *

21. 15
o Insurance and FD's
o Mutual Funds
o Equity and stock market
o Don't Invest
o Other:
Are you aware of Mutual Funds? *
o Yes
o No
What is the 1st thing comes to your mind by listening the word mutual
fund? *
o Long Term Investment
o Subject to Market Risk
o Tax Free Investment
o Wealth Creation
Do you have any financial goal in life?
o Yes
o No
o Not yet decided
If yes then what is your Financial Goal ?
o Higher education for your child
o Lavish marriage of your child
o Your own retirement plan
o All of the above
o Other:
According to you what is the best way to create Long term wealth?
o Buying big winning stocks
o Investing in Insurance and FD's
o Saving a lot
o Investing in Mutual Funds
o Other:

22. 16
Do you know about SIP (Systematic Investment plan) *
o Yes
o No
Would you like to create long term wealth to achieve your Financial
Goals?
o Yes
o No
o Not yet decided
Would you like give any Feedback /Recommendation to us?
* important question to answer
Result of work assigned 2:
Question is explained with the
 Survey results(numbers)
 Survey result (%)
 Pie chart
 Conclusion

23. 17
Question no 1
How much do you spend in a weekend?
A Less than 500
B 500 – 1000
C 1000-2000
D More than 2000
E Don’t spend usually.
Inferences:
There is huge % of public(24%+24%) who spent 500-2000/week, who might be working.
Highest % is 26 which indicates the people who spent less than 500 might be
unemployed or students.
18 % is for the people who spent more than 2000. Who seems to be working as well as
family people.
Very less amount of people hardly spent on weekends.
For MUTUAL FUNDS we can target the people which contain the 48%of general public
and comes under the expenditure of 500-2000.
For SIP’s we should target 26% of general public who spent less than 500.
Less than 500
26%
500 – 1000
24%
1000-2000
24%
More than 2000
18%
Don’t spend
usually.
8%
How much do you spend in a
weekend?

24. 18
Question no 2
Do you save Money?
A Yes
B No
Inferences:
78% of people save money from there income( pocket money or salary )
Nj can target those people directly for SIP’s.
We can advise rest 22% people to save and invest.
Yes
78%
No
22%
Do you save Money?

25. 19
Question no 3
Do you invest that savings in any kind of financial products?
A Insurance and FD’s
B Mutual fund
C Equity and stock markets
D All of the Above
E Other (please mention)
F Don’t invest
Inferences:
We can see a huge part of sample size don’t invest in any kind of financial
products.
Where only 22% doesn’t save while 22% doesn’t invest after saving.
Insurance and FD’s (30%) seems to be most trustable products.
12% people of sample survey invest in Mutual funds.which is actual wealth creation.
Rest 8% might be investing in real estate and etc.
Insurance and
FD’s
30%
Mutual fund
12%
Equity and stock
markets
4%
All of the Above
2%
Other (please
mention)
8%
Don’t invest
44%
Do you invest that savings in any kind
of financial products?

26. 20
Question no 4
Are you Aware of Mutual Funds?
A) Yes
B) No
Inferences:
82% of sample size are know about mutual funds.
It will be easy to target them for investing.
Yes
82%
No
18%
Are you Aware of Mutual Funds?

27. 21
Question no 5
What is the 1st thing come to your mind by listening the word Mutual
Fund?
A Long term investment
B Subject to market risk
C Tax free investment
D Wealth Creation
Inferences:
48% of people think that mutual fund long term investment .
22% of people think it’s subject to market risk
Very few people know that it is a tax free investment also.
18% of sample size know that it is actually a wealth creation.
Long term
investment
48%
Subject to market
risk
22%
Tax free
investment
12%
Wealth Creation
18%
What is the 1st thing come to your mind by
listening the word Mutual Fund?

28. 22
Question no 6
Do you have any financial goal in life?
A) Yes
B) No
Inferences:
94% people have financial goals in life.
NJ should target those 94% people who have goals.
Yes
94%
No
6%
Do you have any financial goal in life?

29. 23
Question no 7
If yes then what is your financial goal?
A Higher education for your child
B Lavish marriage of your child
C Retirement plan
D All of the Above
E Other (please mention)
F Don’t have financial goals.
Inferences:
18% people want to save or invest for the higher education for there children.
50% people have 3 major goals(all of the above)
We can target this 50% directly for investment in mutual funds.
Higher education
for your child
18%
Lavish marriage of
your child
0%
Retirement plan
16%
All of the Above
50%
Other (please
mention)
10%
Don’t
have
financia
l goals.
6%
If yes then what is your financial goal?

30. 24
Question no 8
According to you what is the best way to create long term
wealth?
A Buying big winning stock
B Investing in Insurance and FD’ s
C Saving a lot
D Invest in Mutual funds
E Other (please mention)
Inferences:
42% people of sample size think that they can create long term wealth by saving a
lot .
Apart from that 28% think that mutual fund is the best way.
NJ should target rest 72% people
Buying big
winning stock
10%
Investing in
Insurance and FD’
s
16%
Saving a lot
42%
Invest in Mutual
funds
28%
Other (please
mention)
4%
According to you what is the best way to
create long term wealth?

31. 25
Question no 9
Do you know about SIP (Systematic Investment Plan).
A Yes
B No
Inferences:
58% people of sample size don’t have idea of SIP.
NJ can do campaign for the awareness .
Yes
42%
No
58%
Do you know about SIP
(Systematic Investment Plan).

32. 26
Question no 10
Would you like to create long term wealth to achieve your financial
goals?
A Yes
B No
C Not yet decided.
Inferences:
60% of people are willing to create long term wealth.
So NJ should target this 60% 1st
.
Then NJ should concentrate on rest 40% , who are not yet decided.
Yes
60%
No
0%
Not yet
decided.
40%
Would you like to create long term
wealth to achieve your financial
goals?

33. 27
10 CONCLUSIONS
SWOT ANALYSIS OF ORGANIZANATION
For the conclusion part I am presenting the SWOT analysis of the company NJ India Invest Pvt.
Ltd.
SWOT Analysis is a tools auditing an organization and its environments. It is a 1st
stage of
planning and helps markets to focus on key issued. SWOT stands for strength , weakness,
opportunities and threats. Strength and weakness are internal factor and opportunity and threats
external factors.
Strengths :
NJ India Invest is present in 21 states with 94+ branches with 21000+ existing
partners.
NJ India is a dominant player in the Indian Mutual Funds distribution business
with over decade of experience.
NJ India Invest has tied up with 40+ AMC’s.
NJ has over INR 21,500 crores of mutual fund assets under advice.
NJ is providing the technical help and guidance to their partners.
NJ has strong 360degree supports which make it different from its competitor.
STRENGTH WEAKNESS
OPPORTUNITY THREATS

34. 28
Weakness:
The 1st
and most important lacking element in the company is the awareness about the
company is very less in the market.
NJ is only dominant in Mutual Funds. They should also focus on other financial
instruments.
Opportunity:
They have very wide scope in financial sector.
NJ can utilize the dominant position. It has and optimally uses the huge network of its
partners.
NJ can use its network of partner in selling insurance.
Threats:
Prudent Pvt. Ltd.
Blue Chip India Ltd.

35. 29
11 SUGGESTIONS AND RECOMMENDATIONS
1st
lacking element in the company is the awareness about the company in the market.
They should do the activity of brand awareness as they are working in the industry from
last 21 years.
NJ is only dominant in Mutual Funds. They should also focus on other financial
instruments.
In service sector what matters is all about providing services. Company should try
regularly to enhance their services so that it can strengthen its market share.
Company should provide benefits to the loyal advisors to motivate to sell or to loyal for
long time.
They should create good reputation and good word of mouth to increase the awareness
about company.
60% of people are willing to create long term wealth according to my study on public. So
NJ should target this 60%.
They can directly target general public for SIP’s. As 58% is not aware of this.
Company should focus on inactive partners with proper guidance and training.

36. 30
12 LEARNINGS
My internship was a valuable experience in that it gave me a greater appreciation. what I learned
can best be summarized in the below.
Support from above always helps - projects seem to move quickest when supported by
upper administration
Someone needs to be responsible - projects move faster when some one has ultimate
authority or responsibility
Professional Communication – I called and communicate with more than 250 financial
advisors
An idea of mutual fund – I learnt a lot of minor thing about mutual funds and SIP
My research - Doing a research on awareness of mutual funds with public
Innovative idea of survey- Learnt how to create and publish my own google form in
google drive
13 CONTRIBUTION S
I have tried my better to give valuable contribution to the company and my contribution to the
company is summarized in the below.
My total leads for the company is 200+ , which will help company in future.
I took part in 8 seminars conducted by NJ group.
I and my colleague Anusha invited 50 financial advisors.
I myself made 5 value packs in 2 month.
My Survey results and pie charts will help company to target general public .

37. 31
14 BIBLIOGRAPHY
(Web links and Search Engine)
WEBSITE
www.amfi.com
www.irdia.com
www.mutualfundsindia.com
www.slideshare.net
www.moneycontrol.com
www.njindiainvest.com
www.njwealth.in
www.google.com
Survey form created with the help of Google forms in Google drive.
My survey form QUESTIONNAIRE URL-
https://docs.google.com/forms/d/1REb8_XbeoAIn-iYVC2Y8HsDyu4W2fg07aNW-
6u6G9xQ/viewform?usp=send_form
Report prepared and submitted by
ANJALI ASTHANA
Roll No: 141220