1) The document analyzes investment alternatives at Axis Bank based on a survey of 150 customers. It finds that customers prefer investing in insurance due to tax benefits and security. 2) When choosing investments, customers consider past performance and records rather than recommendations. They are aware of options like insurance, mutual funds, and fixed deposits. 3) The study suggests that Axis Bank can target aware, educated customers willing to invest by providing advisory services through relationship managers. This will help increase the bank's insurance and investment business.

1. An Analytical study on various
investment alternatives at
Axis Bank
Submitted to:
Mr. Dilpreet Singh
Submitted by:
Ankita Upveja

2. About the Bank
•Axis Bank is one of the first new generation private sector banks to have begun
operations in 1994. The Bank was promoted in 1993, jointly by
Specified Undertaking of Unit Trust of India (SUUTI)
Life Insurance Corporation of India (LIC),
General Insurance Corporation of India (GIC),
National Insurance Company Ltd.,
The New India Assurance Company Ltd.,
The Oriental Insurance Company Ltd. And
United India Insurance Company Ltd
• It is the third largest private sector bank in India.
• It offers the entire spectrum of financial services to customer segments covering
Large and Mid-Corporate, SME, Agriculture and Retail Businesses.
•The Bank has a large footprint
i. 1947 domestic branches (including extension counters)
ii. 11245ATMs
iii. 7 overseas branches / offices in Singapore, Hong Kong, Shanghai, Colombo,
Dubai, DIFC - Dubai and Abu Dhabi.

3. Products and services
• Savings Account
• Current Account
• Salary Power
• Priority Banking
• Fixed Deposits
• Recurring Deposits
• Lockers
• Debit Card
• Telebanking
• I-connect Internet banking
• Instant fund transfer
• At Par Cheque book
• Cash/Cheque Pick-up Service
• Power Loans (Home, Personal, Educational, Vehicle)
• Wealth Management

4. Strengths
1. Aggressive marketing policies.
2. Large customer base.
3.Strong network and well managed
Distribution channel.
Weaknesses
1. Lack of efficient manpower.
2. Poor after sales services.
Opportunities
1. Untapped huge market.
2. Large income group of high
salaried class.
Threats
1. Entrance of new players in
Banking Sector.
2. Require huge reserves of cash
as for liquidity.
SWOT Analysis

5. Objective of the Study
The Main objectives behind this study can be summarized in the following
points:
•To have an overview of different investment alternatives as mutual funds, life
insurance, and Fixed Deposit and other investment options.
•To know the customer perception regarding various investment options.
•To know about the investment pattern of the customers of the Bank.
• To know about the reasons for which customers are investing their money.
•To know about the various pros and cons of different investment options
.

6. Scope of Study
The scope of the study is limited to the Sri Ganganagar city as
internship is done in the AXIS Bank, Sri Ganganagar to know about
the investment habit, only the existing customers of the bank had
taken into consideration

7. Statement Of The Problem:
AXIS Bank is leading private sector Bank having a sound customer base. The
project was done at the Sri Ganganagar branch of the Axis bank. This branch has
its tie up with the Max New York Life Insurance Company and also deals in the
Mutual funds of Axis and of different companies so in order to increase the business
of the bank it has to find out the prospective customers who are willing to invest
their money. The research was basically conducted to know about such prospective
customers of the Bank, which will lead to increase in the business of the Bank. As
with the changing scenario there are lots of investment options available in front of
the customers but the bank has to find out which the most preferred investment
options among the customer are and what is the probable reason for which they like
that investment not the others.

8. Advantages of Mutual Fund
• Professional management
• Diversification
• Flexibility
• Affordability
• Well Regulated

9. Advantages of Life Insurance
• Saving for future
• Loan
• Accident benefit
• Income tax rebate

10. Advantages of Fixed deposit
• Safety
• Additional Benefits

11. Methodology Used
The survey was conducted on the basis of Questionnaire method, which
was designed to meet the need of the management. It included open ended
and close-ended questions
Research Design: It is pure model for the conduct of survey. It is a
specification of procedures for collecting and analyzing the information
required for the solution of some specific problems. Research can be
classified on the basis of fundamentals objectives of research. Among the
three types of researches available descriptive research has been used
here.
Data Collection Method: Both Primary and secondary sources of data
were used as Data collection instruments.
Primary source- Existing customers of the bank
Secondary source- Books, journals & internet
Sampling Technique:
•Universe: People in the age group of 20-80 years.
•Sampling Unit: Existing customers of the bank.
•Sample Size: 150 customers
•Sample Design: Random Sampling

12. 51
48
32
19
0
10
20
30
40
50
60
20-30 30-40 40-50 50 and above
no.ofcustomers
age
Age group of customers
Demographic Profile of the Customers
AXIS Bank has the customer base of more than 10000 customers .The
sample of 150 customers has been taken on the basis of simple random
sampling with no discrimination of current or savings account or any
other biases like age, sex, income level etc. but an effort was made the
to cover all age groups and all income levels. Following Charts are
used to present the demographic profile of the customers.

13. 53
63
24
10
0
10
20
30
40
50
60
70
0-1.5 lac 1.5-3 lac 3-4.5 4.5 & above
no.ofcustomers
Income
Income Level Of Customers
70
66
2
9
3
0
10
20
30
40
50
60
70
80
Salaried Self-Employed Student Retired Other
no.ofpersons
Occupation
occupation of customers

14. 1. How much of your gross income goes for investment purpose?
A) 0-10% B) 10%-20% C) 20%-30% D) 30% and above
48
57
33
12
0
10
20
30
40
50
60
0-10% 10_20% 20-30% 30% & above
no.ofpersons
Income
Invested income

15. 2. Where do you invest your money often? (Can select multiple options)
A) Life insurance B) Mutual Funds C) fixed deposit D) *any other_______________
130
94
54
33
0 20 40 60 80 100 120 140
Insurance
Mutual Funds
Fixed Deposit
Others
No. of Persons
SourcesOfInvestment

16. 3. INSURANCE (If Investment in Insurance, otherwise leave this question)
A. why do you invest in the insurance?
A) Tax saving B) Life Cover C) Returns D) any other___________________
62
42
18
8
0
10
20
30
40
50
60
70
Tax Saving Life Cover Returns Others
no.ofpersons
Reasons
Reasons For Investing In Insurance

17. B. On what basis you choose your Insurance Company?
A) Services B) Word of mouth C) Past Records D) Brand Image E) Advertisement
32
12
58
24
4
Sales
Service
Word of mouth
Past records
Brand image
Advertisment

18. 4. MUTUAL FUNDS (If Investment in Mutual Funds, otherwise leave this question)
A. Why do you invest your money in Mutual Funds?
A) High Returns B) Savings C) Security D) Any Other
42
25
21
6
0
5
10
15
20
25
30
35
40
45
High Returns Savings Security Others
No.ofpersons
Preferred Reasons
Reasons For Investing In Mutual Funds

19. B. On what basis you select company for investment in mutual fund?
A) Company Image B) NAV C) Past Records D) Agent’s recommendation
14
48
25
7
0
10
20
30
40
50
60
Company Image NAV Past Records Recommended by Agent
No.ofpersons
Reason

20. C. In which type of Mutual funds you invest your money?
A) Growth Funds B) Secure Funds C) Balance Funds
54
22
18
0
10
20
30
40
50
60
Growth Funds Secure Funds Balance funds
No.ofpersons
Fund Type
Types Of Mutual Funds

21. D. Where do you go for investment through Mutual Funds?
A) NFOs (New Fund Offers) B) Secondary Market
32
62
0
10
20
30
40
50
60
70
NFO's Second mkt.
No.ofpersons
Area's
Area Of Investment

22. E. Among these two funds which one you will prefer for investment purpose?
A) Open ended funds B) Close ended funds
60
34
0
10
20
30
40
50
60
70
Open Ended Close Ended
Persons Investing
TypeOfFund

23. 3
8
18
5
Period for investment
1 year
2year
3year
above 3
F. If u invest in Close ended then for how much time?
A) 1 year B) 2 Year C) 3 Year D) More than three Year

24. 5. FIXED DEPOSIT
A. Why do you invest in Fixed Deposit?
A) Secure Returns B) Liquidity C) Tax Savings D) Other Reason__________
35
9
7
3
0
5
10
15
20
25
30
35
40
Secure Returns Liquidity Tax Saving Others
no.ofpersons
Reason
Reasons For Investing In FD

25. 6. Are you aware that AXIS bank provides Financial Advisory services?
A) Yes B) No
118
32
0
20
40
60
80
100
120
140
Yes No
Awareness

26. 7. which one is the best investment option at Axis bank according to you?
A) Insurance B) Fixed deposits C) Mutual funds D) Others*__________
67
42
21 20
0
10
20
30
40
50
60
70
80
Insurance fixed deposit mutual funds others
no.ofpeople
fund

27. Findings
1) Bank customers are conscious regarding the investments and
earning good returns from it.
2) Bank customers prefers insurance as the best option for investing
their money as on one side they get tax benefit from it and on other side
they are rewarded with the security and as in some plans of insurance
they can get the investment option also.
3) The customers invest their funds after looking at the past records
and performance of the particular company instead of going with the
word of mouth
4) Irrespective of the income and the occupation customers are
aware of different sources of the investments and the benefits that they
can avail from those sources. They are also fully aware about their Bank
and various services and the benefits provided by it.
5) As the bank has the tie up with the Max Life Insurance so the
prospective customers should be contacted to increase the insurance
policy buyers.

28. 6) In the sample some customers also represent that class which
wants to have the service of Relationship Manager who can guide them
regarding their investments.
7)Such aware customers can help the Bank in increasing its business
as the customer are educated, aware and having a sound income so with
the help of its relationship manager Bank can tap such customers.
8) As Sri Ganganagar branch of AXIS Bank has its tie up with Max
Life Insurance and Various Mutual Fund companies so such efficient and
eligible customers who are willing to invest their money can help the
Bank in increasing its income.

29. Suggestions
• Customers Walk – in in bank for financial services
• Generating leads from the existing satisfied customers
• Calling regular customers for after sale services
• Arranging canopies at customer places