This document is a certificate from Mr. Mayank Jain certifying that the summer training report titled "A study of Financial Performance of the Company with reference to ratio analysis" conducted at HDFC Standard Life Insurance was completed by him. It was guided by Dr. S. Yadav and countersigned by the Director. The report includes an acknowledgement, table of contents, list of abbreviations, figures, executive summary and 5 chapters analyzing the company profile, SWOT analysis, data collection and presentation, functional analysis, and summary and conclusions. Ratio analysis was used to analyze the company's financial performance and identify strengths and weaknesses.

1. Certificate
I, Mr Mayank Jain, Roll No – 18019103912 certify that the summer training report (Paper Code
MS-201 ) entitled “A study of Financial Performance of the Company with reference to ratio
analysis” is done by me and it is an authentic work carried out by me at HDFC STANDARD
LIFE INSURANCE . The matter embodied in this Report has not been submitted earlier for the
award of any degree or diploma to the best of my knowledge and belief.
i
Signature of the student
Date:
Certifies that the Summer Training Report (Paper Code MS-201) entitled “A study of Financial
Performance of the Company with reference to ratio analysis” done by Mr Mayank Jain,
18019103912 is completed under my guidance.
Signature of the Guide
Date:
Name of guide: Dr. S Yadav
Designation: Associate Professor
Countersigned
Director/Project Coordinator

2. Acknowledgement
Expressing gratitude in words is one thing which can never be done adequately, “As such writing
this, we find our self utterly at sea and we afraid, howsoever we may try, we may fail. To express
our abounding gratitude in volumes or tons, let along these few lines.”
I render my gratitude and special thanks to Mr. Dheeraj(Manager) at HDFC Life for his help
and encouragement throughout the project completion. It is my foremost duty to express my
deep sense of gratitude and respect to my faculty guide Dr. S.Yadav for her continued guidance
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for the project and invaluable encouragement.
I would also like to give sincere thanks to Dr. Uma Gulati, Programme Coordinator and my
deep gratitude to Mr Rajesh S. Pyngavil, Academic Coordinator of Gitarattan International
Business School.
Finally I would like to put on record my thanks to Dr. S Chaturvedi, the Director of giBS, who
always been playing a great role in all round development of student.
Name :Mayank Jain
Enrol No : 18019103912

3. Table of Contents
S.No Topic Page No
1 Certificate (i)
2 Acknowledgements (ii)
3 Table of Contents (iii)
4 List of Abbreviations (iv)
5 List of Figures (v)
6 Executive Summary (vi-vii)
7 Chapter 1 – Profile of the Company 1-15
8 Chapter 2 – SWOT analysis of the company 16-17
9 Chapter 3 – Data collection and Presentation 18-35
10 Chapter4 – Functional Analysis of the company 36-38
11 Chapter 5 – Summary and Conclusions 39-42
12 Bibliography 43
iii

4. List of Abbreviations
S.No Abbreviated Name Full Form
1. IRDA Insurance Regulatory and Development Authority
2. HDFC Housing Development Finance Corporation
3. FC Financial Consultant
4. CRM Customer Relationship Management
5. CR Current Ratio
6. QR Quick Ratio
iv

5. List of Figures
Figure No. Title Page No.
v
1.1 Vision and Value of HDFC LIFE
6
1.2 Mission of HDFCLIFE 7
1.3 Present Leadership 13
3.1 Graph of Current Ratio 29
3.2 Graph of quick ratio 30
3.3 Graph of Working Capital Turn Over Ratio 31
3.4 Graph of inventory turnover ratio 32
3.5 Graph of debtor’s turnover ratio 33
3.6 Graph of creditor’s turnover ratio 34
3.7 Graph of net profit margin 35

6. EXECUTIVE SUMMARY
The researcher has taken up the Internship Project on the topic on “A study of Financial
Performance of the Company with reference to ratio analysis” at HDFC Standard Life.
By conducting the organization study it was found that all departments were working towards the
achievement of the goals of the Company. Financial statement summarizes the financial position
and operations of the Company. The comparative, ratio analysis is widely used for analyzing the
financial statements. It is a systematic use of ratios to interpret the financial statements so that
the strengths and weakness of the Company is determined. The analysis is done in order to know
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about the financial position of the Company.
Chapter 1 consisted of Profile of the company. HDFC Standard Life was incorporated on 14th
August 2000.HDFC Life, one of India's leading private life insurance companies, offers a range
of individual and group insurance solutions. It is a joint venture between Housing Development
Finance Corporation Limited (HDFC), India's leading housing finance institution and Standard
Life plc, the leading provider of financial services in the United Kingdom.
Chapter 2 consisted of SWOT Analysis of HDFC Life .For conducting SWOT analysis the
researcher found various strengths which enables a firm to live in a competitive world. He also
found weaknesses on which a firm has to work .There were some opportunities and threats also
discussed.
In Chapter-3 there were two parts i.e. in 3A it consisted of data collection of various
departments, what are the things done in the Company by various departments and 3B was all
about data presentation and interpretation i.e. it consists of graphical presentation of the ratios
calculated by the researcher and its interpretation.

7. Chapter-4 consisted of Functional Analysis of HDFC Life for doing functional analysis of
HDFC Life the researcher had analyzed finance, Marketing, HR, IT department in which the
company operates .The chapter also analyses the various ratios presented in chapter3.
Chapter-5 consisted of Summary and Conclusion .In this the researcher has found out the results
of the study. Findings and conclusion was drawn in this chapter. The researcher describes about
the lessons learnt in respect of working environment, practical knowledge gained and uniqueness
about the company. Lastly the researcher has provided the suggestions whether the students
should be further send to the company or not. The Company should concentrate on enhancing the
operating efficiency of the Company. From this study it was found that the funds are used for
short term funds which should be avoided. The Company’s liquidity position is not satisfactory
due to more concentrate on raising the fixed assets rather than operating activities, which
decreases working capital of the Company and which also affects the operational efficiency of
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the Company and the liquidity position