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PORTFOLIO MANAGEMENT
SSIP PRESENTATION BY HARSH RAJ
International Management Institute
INDUSTRY & COMPANY OVERVIEW
52 Branches across India ,rest cross
selling through IDBI bank
1941 employees
Insurance-52 in total,24-life insurance
and 28 non life insurance,49 % FDI
Ranked 17 in life insurance ,break even
in 5 years
Future Generali , Kotak , Bharti AXA
Term , wealth, income , home ,
child,retire,bond,loan
Rs 500 crores,10.29 lakh policies
sum assured -59000 crores
Insurance
Company
Standing
and
Prospects
Presence
Major
Competitors
Products
&plans
Turnovr
International Management Institute
Company overview
• Established 2008
• 1941 employees and 10000 roll on employees
48%
26%
26%
Equity
IDBI Bank
Federal Bank
Ageas
International Management Institute
Project Description
Problem Statement
• Develop comparative analysis on portfolios and return of Wealth
insurance product with a similar plan of its competitors
Methodology Adopted
• Defining a problem-comparative portfolio analysis of funds
• Laying the objectives of the research-identify one particular
insurance plan
• Sources of data-mostly secondary data
• Methods of data collection-websites ,financials & manuals
• Data analysis & processing-tools used like ms excel
• Conclusions & Recommendations
International Management Institute
Data Analysis & Interpretation
• 9 funds to invest in wealthsurance plan
• 10 years PPT, min age-18, max age -64
• Investment Account
• Insurance Account
• Equity growth gives good returns in 5th yr
• Income fund -7.45 to 8.44%
• Highest return-midcap fund
International Management Institute
IDBI income & equity fund
allocation
HDFC Income & equity fund
allocation
International Management Institute
• Equity Fund comparison • Income Fund comparison
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
35.00%
40.00%
45.00%
IDBI Federal ICICI
PRUDENTIAL
HDFC LIFE
FUND RETURN
BENCHMARK RETURN
7.8
8
8.2
8.4
8.6
8.8
9
9.2
9.4
9.6
Idbi federal Icici prudential HDFC Life
Fund Performan
Benchmark
International Management Institute
Conclusions & Recommendations
Trust over LIC products
Lack of awareness about IDBI insurance and perception
as high priced
Policy duration quite big
IDBI ‘s NAV return of more than 100% since inception whereas the
benchmark or the peer is 74.32%.
IDBI has not given a good return in 1st year of wealthsurance equity growth
fund but grown to 42% return in 5th year
Not a great performance in income fund
Portfolio Diversification is necessary in order to manage the risk and maybe go
for MMI instruments or govt deposits.
International Management Institute
Learnings
• Comparison of different UIIP products of different
companies with their recent performance in all funds.
• Learnt many insights about insurance while my IRDA
Certification exam and during the whole course of my
internship as well.
• Revising Portfolio as per different types of plans.
• Selling process –natural and referral market
International Management Institute
Thank You
International Management Institute

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Portfolio Management

  • 1. PORTFOLIO MANAGEMENT SSIP PRESENTATION BY HARSH RAJ International Management Institute
  • 2. INDUSTRY & COMPANY OVERVIEW 52 Branches across India ,rest cross selling through IDBI bank 1941 employees Insurance-52 in total,24-life insurance and 28 non life insurance,49 % FDI Ranked 17 in life insurance ,break even in 5 years Future Generali , Kotak , Bharti AXA Term , wealth, income , home , child,retire,bond,loan Rs 500 crores,10.29 lakh policies sum assured -59000 crores Insurance Company Standing and Prospects Presence Major Competitors Products &plans Turnovr International Management Institute
  • 3. Company overview • Established 2008 • 1941 employees and 10000 roll on employees 48% 26% 26% Equity IDBI Bank Federal Bank Ageas International Management Institute
  • 4. Project Description Problem Statement • Develop comparative analysis on portfolios and return of Wealth insurance product with a similar plan of its competitors Methodology Adopted • Defining a problem-comparative portfolio analysis of funds • Laying the objectives of the research-identify one particular insurance plan • Sources of data-mostly secondary data • Methods of data collection-websites ,financials & manuals • Data analysis & processing-tools used like ms excel • Conclusions & Recommendations International Management Institute
  • 5. Data Analysis & Interpretation • 9 funds to invest in wealthsurance plan • 10 years PPT, min age-18, max age -64 • Investment Account • Insurance Account • Equity growth gives good returns in 5th yr • Income fund -7.45 to 8.44% • Highest return-midcap fund International Management Institute
  • 6. IDBI income & equity fund allocation HDFC Income & equity fund allocation International Management Institute
  • 7. • Equity Fund comparison • Income Fund comparison 0.00% 5.00% 10.00% 15.00% 20.00% 25.00% 30.00% 35.00% 40.00% 45.00% IDBI Federal ICICI PRUDENTIAL HDFC LIFE FUND RETURN BENCHMARK RETURN 7.8 8 8.2 8.4 8.6 8.8 9 9.2 9.4 9.6 Idbi federal Icici prudential HDFC Life Fund Performan Benchmark International Management Institute
  • 8. Conclusions & Recommendations Trust over LIC products Lack of awareness about IDBI insurance and perception as high priced Policy duration quite big IDBI ‘s NAV return of more than 100% since inception whereas the benchmark or the peer is 74.32%. IDBI has not given a good return in 1st year of wealthsurance equity growth fund but grown to 42% return in 5th year Not a great performance in income fund Portfolio Diversification is necessary in order to manage the risk and maybe go for MMI instruments or govt deposits. International Management Institute
  • 9. Learnings • Comparison of different UIIP products of different companies with their recent performance in all funds. • Learnt many insights about insurance while my IRDA Certification exam and during the whole course of my internship as well. • Revising Portfolio as per different types of plans. • Selling process –natural and referral market International Management Institute