International Management Institute

New Delhi

Detailed Project Report by

360 Degree financial
services p. ltd
Submitted To: - Group Members
Dr. Himadri Dass 1) Deepak Singla (08XPGDM19)
2) Modak Priy (08XPGDM31)
3) Vineet Dixit (08XPGDM59)
6) Vivek Kr. Shahi (08XPGDM60)
 Executive Summary - 360 Degree Financial Services Private
Limited

1.0 EXECUTIVE SUMMARY

360 Degree Financial Services would be incorporated as a Private Limited Company

providing the Value Added Financial Services by operating in B2C segment. Our Services
would include:

• Client Account Management – It includes services like track of all financial records,
reminders for due dates of insurance policies, due dates of payments of loan, loan
outstanding and other information, track record of mutual funds, pension plans etc.

• Loans - Help people in raising various kinds of loans from various banks under one roof,
thus acting as an interface between the customer and the bank.

• Investment Guidance – Educate the clients regarding the various investment

opportunities and help them making rational decisions.

• Business development for Banks and Financial Institutions – By writing paid

contents for financial institutions regarding the various products available and making
people aware about them.

• Evaluation Matrix – Developing a financial evaluation matrix for both credit and
investment opportunities, which will act as a reference point for customers as well as
banks; thereby continuously modifying based on the inputs received from clients and
consumers.

In the initial stage, we are going to target the Working Executives Segment and Students of
National Capital Region. 360 Degree Financial Services Private Limited will offer the
individuals working in small and medium enterprises, students and other individuals; a reliable,
high-quality, and cost-effective value added financial services by collaborating with various
technology providers and financial institutions. Apart from research on the revenue generation
model, and the promotions part, we have conducted an exploratory research in order to judge the
customer’s response towards the current services being provided by various agencies and has
done the NEED GAP ANALYSIS. This has purveyed to us, the lacunae which in turn are the
basis of our core strength i.e. our Unique Selling Point.

2.0 STRATEGY OF EXECUTION

360 Degree Financial Services Private Limited believes that it can provide both solutions and
value creations to its clients through web and by setting up offices on the basis of
franchisee. Its partners come from a diverse background; thus having a sound experience in
Marketing, Finance, key issue of Client Management. The main motive of our organisation is
“Selling not for the sake of selling; but for fulfilling the needs of its clients.” We have taken due
care in analyzing the data collected through exploratory research with respect to customer needs
both explicit and latent, its perception and attitude towards these services and the problems they
face. The marketing for our firm would be initially done by BTL (Below the Line) marketing
activities, Hoardings and Banners near Offices and will launch SMS campaign (e.g. from
www.indiamoneywire.com).

Apart from it, we will tie up with various education institutes to help their students raise
education loans under the group loan scheme through us. We will also tie up with small and
medium enterprises to help their employees raise various kinds of loans. We are also planning to
tie up with the distributors and dealers of Consumer Durables and Automobiles to help their
customers in getting loans. We are hopeful of making all this successful because as per the
present scenario, all these agencies have either tie-ups with one bank or none at all. Thus by
offering wide range of loans and other financial services under one roof, we would be able to
create a value addition, which is the Unique Selling Proposition for us.

For Investments also, one needs a specialist who can help him making rational choices
and the one who does not believe just in selling. We will be able to fill this gap by providing
value added financial services. Financing needs arise at every age in human life, but the form of
needs keep on changing. For example in the growth stage, the main emphasis is on the
Education, then the needs take the shape of personal requirements like own home, personal
vehicle, investments etc. which gradually shifts to the need of financial security in the Old Age.
We are planning to create value addition in each of these stages.

3.0 ORGANISATION STRUCTURE

360 Degree Financial Services will consist of seven promoters out of which two will hold the
position of Executive Directors.

4.0 REVENUE GENERATION MODEL

The major source of revenue will be Transaction fees from loans, Commission from investment
products, Advertisements on web sites, Paid Contents, Client Account Management and
Franchisee Fees. This business plan has been made on the basis of market planning for three
years commencing from April 2009 to March 2012 and our top line and bottom line figures are
mentioned below. These figures illuminates the market opportunity available for 360 Degree
Financial Services Private Limited.

360 Degree Financial Services Private Limited

907.00
1000.00

800.00
531.58
600.00
Rs. Lacs
400.00 269.05
Revenue
71.13 136.33
200.00 32.02 Profit After Tax

0.00
Year 1 Year 2 Year 3
Revenue 71.13 269.05 907.00
Profit After Tax 32.02 136.33 531.58
Revenue & Profit After Tax

5.0 CURRENT SITUATION

The Asian Continent is now living in an interesting era: the process of change from the old age
practices of dependency on long paper work and lengthy process; to the desire of being a service
provider offering all services for a particular domain under one roof. Since the new global
economy has brought new market structures; which in turn had resulted in change of profile of
the customers. Customers have evolved from "Solution Demander" to "Value Demander" and
from "Clients" to "Business Partners". Market offer huge potential as last year retail loans were
around 42,220 Crore, Education Loans were 21532 Crore & Housing Loans disbursed are more
than 1 Lac Crore. Further, household investment is around 12.5% of GDP and per capita income
is growing at around 7%. And as the contribution of service sector to the GDP is increasing, so is
the knowledgeable and working population, which in turn increases the opportunity for our
company.