Project

PROJECT REPORT
ON
Market Scoping and analysis of Financial

Investment & Loan Products.
Submitted in partial fulfillment of the requirements for
MBA(MASTERS OF BUSINESS ADMINISTRATION)
(2013-2014)
SUBMITTED BY
SYED IMRAN
( MMS ) ROLL NO 57
BATCH 2012-2014
INDIAN INFOLINE FINANCIAL LIMITED
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PILLAIS INSTITUTE OF MANAGEMENT STUDIES AND

RESEARCH, NEW PANVEL
STUDENTS DECLARATION
We, hereby declare that project entitled MARKETING SCOPING
AND ANALYSIS OF FINANCIAL INVESTMENTS AND LOAN PRODUCTS
Submitted in the partial fulfillment of the Post Graduate Program in Finance-,
is of our own accurate work We further declare that all the facts and figures
furnished in this project report are the outcome of our own intensive research
and findings.
I further certify that without any objection or condition subject to the permission of India
Infoline Finance Limited., the company where I did my summer project, I grant the rights to
PIMSR Management College and Research Centre to publish any part of the project if they
deem fit in journals/ Magazines and newspapers etc. without my permission.
Place : Mumbai
Date :
--------------------------------Signature
Name : Syed imran
Class
: MMS 2012-2014
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Roll No. : 57
Acknowledgement
It is indeed a matter of immense pleasure to work as a summer trainee in an
organization of MARKETING SCOPING AND ANALYSIS OF FINANCIAL
INVESTMENTS AND LOAN PRODUCTS & completing this project with
them and submitting this final project report is a learning experience itself.
The last two months with MARKETING SCOPING AND ANALYSIS OF

FINANCIAL INVESTMENTS AND LOAN PRODUCTS had been full of
learning and sense of contribution to words the organization. I would like to
thanks Mr. Sanjeev Mathew
manager MARKETING SCOPING AND
ANALYSIS OF FINANCIAL INVESTMENTS AND LOAN PRODUCTS for

giving me opportunity for learning and contributing to their organization
through this project.
I convey my sincere thanks to him in spite of his busy schedule he

always found time to guide me through the project. I am also grateful to him
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for giving me the freedom to work on my project. As a student of PILLAIS

INSTITUTE OF MANAGEMENT, STUDIES AND RESEARCH, PANVEL.
I would like to express my gratitude towards my faculty guide, Prof.
Pawaskar for his invaluable guidance, keen interest, inspiration and of
course moral support throughout my project.
I owe sincere thanks to Mr. Santosh bhosale (TM- Gold Loan Department, India Infoline
Finance Limited), my project guide, Mr. Mathew Sanjith (BM), for continuously guiding
me through my project and putting me in touch with all the concerned people during the tenure
of 6 weeks.
I would also like to extend my gratitude towards Mr.Reetesh Chaturvedi (HOD-HR), IIFL for
giving me the opportunity to work on this project and be a part of this wonderful organization
that has given me so much practical experience of the corporate world.
I would like to render my deepest regards to Mrs. Molly, Mr. Sreekumar,Prashant &
Entire Gold Loan Department for their invaluable time, support and guidance at every step
of the project.
At last I would like to thank one and all who directly and indirectly
helped me out during the making of project.
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Table of Contents
Chapter
Topics
CHAPTER 1
1.1
Executive Summary
CHAPTER 2
2.1
2.1.1
2.1.2
2.1.3
Introduction
Introduction
Objectives
Methodology
CHAPTER 3
3.1
3.2
About Industry
Literature Review
CHAPTER 4
4.1 About Firm

4.2
History
4.3
Organization structure
4.4
Finance
4.5
Marketing
4.6
Human Resource
4.7
Operation
4.8 SWOT
CHAPTER 5
5.1
5.2
Operational learning
Data analysis
CHAPTER 6
6.1
6.2
6.3
Conclusions
Findings
Recommendations
EXECUTIVE SUMMARY
The India Info line group, comprising the holding company, India Info line Limited and
its wholly-owned subsidiaries, straddle the entire financial services pace with offerings ranging
from Equity research, Equities and derivatives trading, Commodities trading, Portfolio
management Services, Mutual Funds, Life Insurance, Fixed deposits, Govt. bonds and other
small savings instruments to loan products and Investment banking. the report also contain the
study of customer satisfaction which is one of the important aspect of project. Customer
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expectations are the customer-defined attributes of company product or service company must
meet or exceed to achieve customer satisfaction. There are many reasons why customer
expectations are likely to change over time. Process improvements, advent of new technology,
changes in customer's priorities, improved quality of service provided by competitors are just a
few examples.
In todays competitive world there are many goods chasing few customers some are
trying it expands their size and share of existing market. As a result there are loser and winners.
Winners are those who carefully analyze needs identify opportunities and create aloe rich offers
for target customer.
The objective of the market research to determine the demand and supply and use of the
product and competitors study so as to get the total market scenario of the product for analyzing
market problem research is needed. A firm can obtained market research in a number of ways. It
can hire market research firm or it can ask student to design and carry out market research
project. These marketing problems and opportunities if entrust to the student of marketing.
Specially when they seek the same during the project gives opportunities to apply their
theoretical knowledge and managerial knowledge.
The type of research was qualitative research. Qualitative research is collecting,
analyzing and interpreting data by observing what people do and say. The sources of the data for
the study were primary and secondary data. The questionnaire was prepared and administered to
collect the relevant primary data. The data collection method was based on questionnaire.
INTRODUCTION
INTRODUCTION OF THE TOPIC:As I discussed in earlier I have got the topic for two months summer internship program
was Market Scoping And Analysis OF Financial Investment & Loan Product
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For knowing the scope and analysis of financial investment in the market we have
conducted a small research with help of Financial Awareness Survey Form marketing research
will help us to identify the need of the customer by gathering the information by filling the
survey form from individual customer. Market Research is systematic problem analysis, model
building and fact finding for the purpose of important decision making and control in the
marketing of goods and services. Marketing Research is a well-planned, systematic process
which implies that it needs planning at all the stages. It uses scientific method. It is an objective
process as it attempts to provide accurate authentic information. Marketing Research plays a very
significant role in identifying the needs of customers and meeting them in best possible way.
The main task of Marketing Research is systematic gathering and analysis of information.
Marketing Research is essential for strategic market planning and decision making. It helps a
firm in identifying what are the market opportunities and constraints, in developing and
implementing market strategies, and in evaluating the effectiveness of marketing plans.
Marketing Research is a growing and widely used business activity as the sellers need to know
more about their final consumers but are generally widely separated from those consumers.
Marketing Research is a necessary link between marketing decision makers and the markets in
which they operate.
For gathering the more and accurate information from the customer about financial
product and gold loan market , we are made the questioner and filled the same from the
individual customer.
Gold loan or loan against gold is the easiest and quickest way for servicing your financial
needs. To avail a gold loan, all you need to do is pledge your gold ornaments with us and we
would provide you with a loan amount as per the market value of your gold. Unlike other loans,
gold loan does not require you to provide any income or salary proof. Moreover, it has
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IIFL Gold Loan

comparatively lower interest rates; requires lesser documentation, and hence is processed in
lesser time.
The main features of IIFL Gold Loan:
Loan amount ranges from min Rs 5,000 to max Rs 10,00,000

Tenor for loans ranges from 6 months to 12 months
Loan can be paid back on a monthly or quarterly basis
Interest / Loan Amount due can be paid at any of IIFL Gold Loan branches pan-India
Minimal amount of paperwork and documentation is required
Loan gets processed in as low as 5 minutes
Variety of schemes are available to chose from
Advantages of Gold Loan: Gold loan doesnt demand any certificate to show your salary or income and even no
credit card history is required. Thus even unemployed and non working people can go for
gold loan.
Unlike any other unsecured loan, gold loan doesnt require many papers, only few
documents such as ID proof and address proof is enough to avail for such loan.
One of the main advantages of gold loan is its low interest rates. Usually loan over gold is
provided at the interest of 12-16% per annum and this is quite low compared to personal
loans available at interest rates of 15-26% per annum.
In rural areas Agricultural loan against gold is also available for agriculturist at very
nominal rate of Interest of 7%-8%, proof of agricultural document needs to be provided.
Gold loan is the most simple and convenient forms of loan because here all you need to
do is pledge your gold with a bank or finance company and get upto 80% of the market
value of the gold as a loan.
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Borrower will be given an option to pay only interest during the entire term and at the
end of the tenure you can pay complete borrowed amount in single shot.
In case of gold loan processing time is very less. Usually banks take just few hours to
complete the process where as in case of NBFCs (Non Banking Financial Companies) a
few minutes is enough for the same. So for immediate financial help this is the best
option.
Charges associated with Gold Loan: Loan processing charge: While some of the service providers may
waiver these charges, some banks do charge a processing fee.
Valuation Charge: These are the charges to be paid to the valuator.

These charges are also specific to the service provider and those
having in-house valuators do not charge any extra amount for
valuation.
Late payment penalty: Most of the service providers charge late

payment penalty and this too can vary from one institution to the
other.
Pre-payment penalty: Most of the service providers do not charge

a penalty for repayment before the loan tenure is over. But some
may still have this charge in place.
It is advisable to check with the loan provider before taking the

loan. These charges could change the amount that you may
finally receive.
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Advise On Gold Loans: Go for gold loan if you are confident of returning the money in time
otherwise, you will be penalized and all your pledged gold will come
under the control of bank or finance company from where you taken a
Gold Loan.
While opting for gold loan check the interest rates in various banks and
private finances. If you go for private lenders then better to go with
one who has been in this business for many years.
As far as you are not emotionally linked to your gold ornaments this is
the best option. However nothing like this can help you during your
difficulties and with the fall of dollars and euro many think gold is the
only safe thing left.
OBJECTIVES
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OBJECTIVE OF THE STUDY:-
The objective of the research is to study and analyze the awareness

level of general people in financial investment and gold loan concept.
The main objective of this project is to understand what is gold loan, to study the gold
loan process at branch level, to study role of each employee in the procedure of gold loan
at branch level, to know various services provided by India Infoline to its customer.
To study what kind of changes the organization has undergone in the

recent past or have initiated recently.
To find out the competitive position of India Infoline, and the ways and
means to improve on the service by India Infoline Finance Limited.
To know the Gold Loan performance level in the present market.

To study about consumer awareness & satisfaction, about operational Services &
procedures of India Infoline ltd.
To understand the satisfaction level of clients with India Infoline regarding service
provided by staff.
SCOPE OF THE STUDY:-
This report is based on the study conducted at the Kalamboli

branch,Navi Mumbai.
It aims to understanding the companies organization structure,
departments, marketing strategies and the advantages it is
having over the competitors.
RESEARCH METHODOLOGY
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RESEARCH DESIGN OF THE STUDY

The study is based on survey technique. The study consists of analysis and market scoping of
financial product of IIFL. For the purpose of the study customers100 are picked up and their
views solicited on different parameters. The methodology adopted includes
Questionnaire
Random sample survey of customers
Discussions with the concerned
Personal interviews and informal discussions were held with customers to ascertain the
awareness level. Further applying simple statistical techniques has processed the data collected.
SOURCES OF DATA:
Primary data: Questionnaire

Secondary data: are published materials such as periodicals, journals, news papers, and
website.
SAMPLING PLAN:
Sampling since segment wise investors in IIFL are not available for the overall customers was
considered for the study. 100% coverage was difficult within the limited period of time. Hence
sampling survey method was adopted for the purpose of the study.
Population: (universe) customers of IIFL
Sampling size: A sample of hundred was chosen for the purpose of the study.
Sampling Methods: Probability sampling requires complete knowledge about all sampling
units in the universe. Since due to time constraint non-probability sampling was chosen for
the study.
Sampling procedure: From large number of customers of IIFL. were randomly picked up.
Field Study: directly approached respondents.
DATA COLLECTION INSTRUMENT

COLLECTION OF DATA THROUGH QUESTIONNAIRES:
The data collected for the study purpose is through questionnaires. customers of IIFL have
been selected randomly for the study purpose and then the information revealed from
the customers is analyzed and interpreted in the study.
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ORGANISATION OF FIELD WORK

Initial field work has done for pre testing tools for data collection. The data is collected
through the direct interaction with the customers through questionnaires answered by
them. Customers of IIFL were randomly chosen for the purpose of the study in Kalamboli.
LIMITATION OF THE STUDY:-
Time limit is a major constraint.

This research reflects on individual customer in Kalamboli. only.
So findings and suggestion given on the basis of this research
cannot be extrapolated to the entire population.
Sample size of the questioner is 100 which is very small that is
not enough to study the awareness of consumer of that particular
above area.
Respondent are not sincere and care full to fill up the questioner
so we cannot find right solution.
As per the company rules many information was not disclosed.
As the managers are busy in their duty schedules it is not
possible for us to spend more time in interaction and discussion
with them.
ABOUT INDUSTRY
FINANCIAL SERVICES
Financial services like banking, merchant banking, factoring, Insurance, Venture capital,
act as vital machinery of an economy. These financial services that facilitate nancial
transactions of individuals and institutional services resulting in their resources allocation
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activities through time. The sector that deals with such financial services is known as financial
services sector.
The Three pillars of Financial System are:
Online Trading
Insurance and Mutual Funds
Banking
FINANCIAL INSTITUTION
In financial economics, a financial institution is an institution that provides financial services
for its clients or members. Probably the most important financial service provided by financial
institutions is acting as financial intermediaries. Most financial institutions are regulated by the
government.
Broadly speaking, there are three major types of financial institutions:
Depositary Institutions : Deposit-taking institutions that accept and manage deposits
and make loans, including banks, building societies, credit unions, trust companies, and
mortgage loan companies
Contractual Institutions: Insurance companies and pension funds; and
Investment Institutes: Investment Banks, underwriters, brokerage firms.
Non-Banking Financial Company (NBFC)

A Non-Banking Financial Company (NBFC) is a company registered under the
Companies Act, 1956 and is engaged in the business of loans and advances, acquisition of
shares/stock/bonds/debentures/ securities issued by Government or local authority or other
securities of like marketable nature, leasing, hire-purchase, insurance business, chit business. It
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does not include any institution whose principal business is that of agriculture activity, industrial
activity, sale/purchase/construction of immovable property.
India Infoline Finance Limited is a subsidiary of India Infoline Limited (IIFL). The
Company was originally incorporated on July 7, 2004 as a private limited company under the
provisions of the Companies Act, 1956 as India Infoline Investment Services Private Limited.
The Company was converted to a public limited company with effect from July 10, 2007.
The Company has obtained a certificate of registration dated May 12, 2005 bearing
registration no.- 147365 issued by the RBI to carry on the activities of a NBFC under section 45
IA of the RBI Act, 1934.
The Company is engaged in the activity of mortgage financing, loan against securities,
gold loans, margin funding and other consumer financing products.
India Infoline Finance Ltd. is professionally managed and shares the professional values
and ethos of its parent company, IIFL and has acquired and maintained a reputation for
reliability, transparency of operations and absolute integrity. A steady growth rate validates the
trust that industry has reposed in the Company.
IIFL has received membership of the Colombo Stock Exchange becoming the first foreign broker
to enter Sri Lanka. IIFL owns and manages the website, www.indiainfoline.com, which is one of
Indias leading online destinations for personal finance, stock markets, economy and business.
IIFL has been awarded the Best Broker, India by Finance Asia and the Most improved
brokerage, India in the Asia Money polls. India Infoline was also adjudged as Fastest Growing
Equity Broking House - Large firms by Dun & Bradstreet. A forerunner in the field of equity
research, IIFLs research is acknowledged by none other than Forbes as Best of the Web and
a must read for investors in Asia.
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Our research is available not just over the Internet but also on international wire services like
Bloomberg, Thomson First Call and Internet Securities besides others where it is amongst one of
the most read Indian brokers.
IIFL is a listed company with a consolidated group net worth of about Rs 1,800 crores. The
income and net profit during FY2010-11 were Rs. 14.7 bn and Rs. 2.1 bn respectively.
The Group has a consistent and uninterrupted track record of profits and dividends since its
listing in 2005. The company is listed on both Exchanges and also trades in the derivatives
segment.
IIFLs Crisil and ICRA Rating for short term is top rated as CRISIL A1+ and ICRA (A1+)
respectively. For long term, IIFL has been rated ICRA(AA-) by ICRA and CRISIL AA-/Stable
by CRISIL indicating high degree of safety for timely servicing of financial obligations.
IIFL is near you physically: we are present in every nook and cranny of the country, with over
4,000 business locations across 900 cities in India. You can reach us in a variety of ways, online,
over the phone and through our branches. All our offices are connected with the corporate office
in Mumbai with cutting edge networking technology. The group caters to a customer base of
about a million customers.
Our physical presence in key global markets includes subsidiaries in Colombo, Dubai, New
York, Mauritius, London, Singapore and Hong Kong.
Products:
Mortgage Loans, which includes Housing Loans and Loans against Property.
Gold Loans, which includes finance against security of mainly used gold ornaments.
Healthcare Finance, which includes finance for medical equipments and project funding
in the healthcare sector.
Asset Products:
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Mortgage Loans
Loan against Property
IIFL brings to you Loan against property (LAP). You can now take a loan against your
residential or commercial property, to expand your business, plan a dream wedding, fund your
childs education and much more.
You can now depend on us to meet all your business requirement even to purchase a new shop or
office for your business.
Loan Features
Loans to expand your business or to meet any personal need.
Loans available against residential, commercial and industrial property.
Maximum loan to value available.
Repayment through monthly installment.
High tenure loans for ease of repayment
Attractive interest rates
Specially designed products for self employed
Hassle free process / Door step service.
Minimum documentation
Loan transfer- You can also transfer your existing loan against property or home loan
from another institution at attractive rate of interest for personal or business purpose.
Key Customer segments
Salaried class: Corporate salaries employees, Government employees & salaried consultants.
Self employed: Proprietorship, Partnership, Companies & Professionals.
Eligibility Income criteria

Non-Prime Home Loans -LAP
Salaried
Rs. 1 Lac per annum (after adjustment of tax)
Self Employed
Min Profit after Tax Rs 1 Lac p.a.
Home Loan
A new home brings with it new hopes, joys and emotions. At IIFL, we have shared new hopes,
joys and emotions with our customers. Every customer has a specific and unique concern and our
home loan product is customized to provide you solutions for your unique concern. IIFL group
has set up India Infoline Housing Finance Ltd. (IIHFL) to offer highly customized facilities of
availing Home Loans.
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We believe that in order to succeed, we need to offer not only competitive products, but also the
best possible service and value-added features and benefits. In a market where the basic product
is largely similar, the differentiator is our ability to understand the customer's need completely
and structure the value-adds appropriately.
Loan Features
Home loan amount suited to your needs

Home loan tenure upto 20 years
Simplified documentation
Key Customer segments
Salaried class: Corporate salaried employees, Government employees & salaried consultants.
Self employed: Proprietorship, Partnership, Companies & Professionals.
Eligibility Income criteria

Salaried
Gross salary of Rs. 2.5 Lacs p.a.
Self Employed
Min. Profit after tax of Rs. 2 Lacs p.a.
Mandatory Rule
The minimum income shall be computed by taking the income of applicant and one co-applicant.
Where a guarantor is taken, the guarantor should also meet the minimum income criteria
Gold Loans
IIFL Gold Loan
Gold loan or loan against gold is the easiest and quickest way for servicing your financial needs.
To avail a gold loan, all you need to do is pledge your gold ornaments with us and we would
provide you with a loan amount as per the market value of your gold. Unlike other loans, gold
loan does not require you to provide any income or salary proof. Moreover, it has comparatively
lower interest rates; requires lesser documentation, and hence is processed in lesser time.
We at IIFL provide maximum loan against your gold at lowest interest rates. We have a strong
presence Pan-India and have serviced a large number of customers in a very short span. We offer
different types of schemes as per your requirement and convenience. Following are the main
features of our loans :INDIAN INFOLINE FINANCIAL LIMITED
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Loan amount ranges from min Rs 5,000 to max Rs 10,00,000

Tenor for loans ranges from 3 months to 12 months
Loan can be paid back on a monthly or quarterly basis
Interest / Loan Amount due can be paid at any of our Gold Loan branches pan-India
Minimal amount of paperwork and documentation is required
Loan gets processed in as low as 5 minutes
Variety of schemes are available to chose from
Your Gold is insured and secured safely with us in fire and burglary proof vaults.
Healthcare Finance
Healthcare Finance is a business vertical dedicated at offering a customized financial solutions to
Doctor, Diagnostics Centre, Hospitals, Nursing home etc for their funding needs.
With 1.2 beds per 1000 population there is immense growth potential in this segment. Growing
incomes, literacy and awareness bode well for the Indian healthcare services market. Considering
that 80% of future Investment in Healthcare is expected to come from Pvt Sector, we at IIFL see
a lot of synergies between the Healthcare fraternity and IIFL for mutual growth opportunities.
IIFL is extremely delighted to share that we are present in Healthcare Finance Business.
Loan Features:
Quick & Hassle free loan

Loan amount ranging from Rs 3,00,000/- onward
Tenor ranging from 12 to 84 Months
Flexible Loan To Value
Funding for Ancillary equipments
Flexible EMI options
No Additional Collateral
Minimum Turn Around Time
Key Customer Segment:
Medium & Large Private Hospitals, Nursing Homes, Medical & Dental Colleges
Diagnostics Centres and Pathology Laboratories
Eye Centres
Small and Medium size Speciality Clients likes skin Clinics, Dental Clinics etc
Medical Practitioners
Public Private Partnership Venture's
Eligibility:
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Indian Citizen
Minimum age of 24
Minimum Qualification MBBS (Applicant / Guarantor)
Minimum Experience of 3 Years
Good Repayment history
Investment Products:
ICICI Prudential Life Insurance:
IIFL mostly deals with the third party product in which Insurance is one of the important
product. IIFl deals with ICICI Pru Guaranteed Savings Insurance Plan which is a traditional
plan. Which covers following things:
Guaranteed Maturity Benefit - Your GMB at policy inception would be Sum Assured,
which is sum of all payable premiums. That means depending on term you have chosen
for the Policy (after completion of 15 or 20 years) you will get your paid premiums back
without any deduction.
Guaranteed Regular Additions -" This guaranteed addition, expressed as a percentage of
the
SA,
will
be
declared
at
the
beginning
of
every
policy
year"
The RA will accrue at the end of each policy year. It will be disclosed at the start of that
policy year. The RA shall be calculated as percentage of the SA. This percentage is
guaranteed to be 50% of the Government Bond.
Maturity Addition- A lumpsum amount expressed as a percentage of the SA. This Bonus
is estimated in broacher and not marked guaranteed.
Features and benefits of Guaranteed Savings Insurance Plan
Limited pay: You have a choice of paying premiums for either 7 or 10 years, while
enjoying a long term savings benefit under the plan
Guaranteed benefits: Receive guaranteed benefit at the end of the policy term in form of
Guaranteed Maturity Benefit (GMB):
In the beginning, the GMB would be equal to sum of all premiums payable under the
plan
This GMB would increase every year by guaranteed Regular Additions (RAs), to
increase your savings payable at maturity of plan. The Regular Addition expressed as a
percentage of the SA, will be declared at the beginning of every policy year.
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Additional maturity benefit: Receive additional amount in form of Maturity Addition

(MA) at the end of the policy term
Death Benefit: Receive a Guaranteed Death Benefit (GDB) equal to the sum of all
premiums paid till date compounded at the rate of 5 percent per annum
Easy to purchase: Easy and hassle free application process with no medicals
Tax benefits: Tax benefits on the premium paid and benefits received under the policy, as
per the prevailing Income Tax laws.
IIFL Businesses
Broking
Retail one of the leading brokerage houses in the nation with options to invest in Equity ,
commodity and currency.
Institutional High Quality research and block placement capabilities.
Wealth Management
Advisory we are on the leading Indian players in wealth management and having assets
under Advisory.
Financial Product Distribution
Insurance Leading non banking distributor of life insurance mutual funds and other
savings products .
Investment Banking
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Primary expertise is Equity capital Markets with a view to leverage institutional and retail
distribution capabilities.
AMC
Successfully launched own Mutual fund with NIFTY ETF and IIFL FMP
Credit and Finance
Mortgage
LAS
Healthcare Financing
Gold Loans
KEY PLAYERS IN THE INDUSTRY

S. S. Kantilla Ishwarlal Securities Pvt. Ltd. (sharekhan.com):
Share khan, India's leading stockbroker is the retail arm of SSKI, and offers you
depository services and trade execution facilities for equities,
derivatives
and
commodities backed with investment advice tempered by decades of broking experience. A

research and analysis team is constantly working to track performance and trends. That's why
Share khan has the trading products, which are having one of the highest success rates in the
industry. Share khan is having 240 share shops in 110 cities; the largest chain of retail share
shops in India is of Share khan.
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In future, Share khan is planning to enter in Mutual funds, Insurance sector and banking sector to
expand beyond the market currently covered by it. And it has started MF (Mutual Funds) on
priority basis but wants to grow in it.
ICICI WEB TRADE LTD. (lCICIdirect.com):
ICICIdirect.com was the first entrant into e-broking. ICICdirect.com provides the 3- in-l to the
users which ties in their saving bank account and their Demat account to their brokerage account
electronically. This integration ensures that money is transferred to/from their bank account and
the shares are transferred from/to their Demat account automatically without writing any cheques
or transfer instructions while carrying out their trades in shares.
ICICldirect.com has the option of trading in shares in cash, margin or spot segments. An investor
can also invest in 14 Mutual Funds (Prudential ICICI MF, Franklin Templeton India MF,
Alliance Capital MF, 1M MF, Birla Sun Life MF, Sundaram MF, IL&FS MF, Principal MF,
HDFC MF, Standard Chartered MF, Reliance Capital MF, Kotak Mahindra MF, TATA
MF and DSP MERRILL LYNCH MF) through their trading account.
5Paisa.com:
5paisa is the trade name of India Info line Securities Private Limited (5paisa), member of
National Stock Exchange and The Stock Exchange, Mumbai. 5paisa is a wholly owned
subsidiary of India Info line Ltd, India's leading and most popular finance and investment portal.
5paisa has emerged as one of leading players in e-broking space in India.
The company's brokerage is one of the lowest in the industry. It also provides the research on
commodities. Investors can benefit from its analysis and advice available at the click of the
mouse. For those who prefer to trade the traditional way, India Info line investor points are
available across the country.
India Info line was founded by a group of professionals in 1995. Its institutional
investors include Intel Capital, one of the leading technology companies in the world promoted
by the UK government, ICICI, TDA and Reeshanar. The company offers a slew of products such
as stock and derivatives broking, commodities broking and mutual funds.
KOTAK SECURITIES LIMITED (kotakstreet.com):
Kotak Securities Ltd., a strategic joint venture between Kotak Mahindra Bank and
Goldman Sachs (holding 25% - one of the world's leading investment banks and
brokerage firms) is India's leading stock broking house with a market share of 5 - 6 %. Kotak
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Securities Ltd. has been the largest in IPO distribution - It was ranked number One in 2003-04 as
Book Running Lead Managers in public equity offerings by PRIME Database. It has also won
the Best Equity House A ward from Finance Asia - April 2004.
Kotak Securities Ltd is also a depository participant with National Securities Depository Limited
(NSDL) and Central Depository Services Limited (CDSL) providing dual benefit services
wherein the investors can use the brokerage services of the company for executing the
transactions and the
depository services for settling them. The company has 42 branches
servicing around 1,00,000 customers. Kotakstreet.com the online division of Kotak Securities
Limited offers Internet Broking services and also online IPO and Mutual Fund Investments.
Kotak Securities Limited manages assets over 1700 crores under Portfolio Management Services
(PMS) which is mainly to the high end of the market. Kotak Securities Limited has newly
launched "Kotak Infinity" as a distinct discretionary Portfolio Management Service, which looks
into the middle end of the market.
India Bulls:
India bulls are India's leading retail financial services company with 77 locations spread across
64 cities. Its size and strong balance sheet allows providing varied products and services at very
attractive prices, our over 750 Client Relationship Managers are dedicated to serving your
unique needs.
India bulls are lead by a highly regarded management team that has invested crores of rupees
into a world class Infrastructure that provides real-time service & 24/7 access to all information
and products. The India bulls Professional Network offers real-time prices, detailed data and
news, intelligent analytics, and electronic trading capabilities, right at
powerful technology is complemented
your fingertips. This
by our knowledgeable and customer focused
Relationship Managers.
India bulls offer a full range of financial services and products ranging from Equities,
Derivatives, Demat services and Insurance to enhance wealth and to achieve the financial
goals.
MOTILAL OSWAL SECURITIES LTD. (MOSt):
One of the top-3 stock-broking houses in India, with a dominant position in both
institutional and retail broking, MOSt is amongst the best-capitalized firms in the broking
Page 24
industry in terms of net worth. MOSt was founded in 1987 as a small sub- broking unit, with
just two people running the show. Focus on customer-first-attitude, ethical and transparent
business practices, respect for
professionalism, research-based value
investing
and
implementation of cutting-edge technology have enabled it to blossom into a thousandmember team.

The institutional business unit has relationships with several leading foreign institutional
investors (FIls) in the US, UK, Hong Kong and Singapore. In a recent media report MOSt was
rated as one of the top-10 brokers in terms of business transacted for FIls.
The retail business unit provides equity investment solutions to more than 50,000
investors through 270 outlets spanning 150 cities and 22 states. MOSt provides Advice- Based
Broking, Portfolio Management Services (PMS), E-Broking Services, Depository Services,
Commodities Trading, and IPO and Mutual Fund Investment Advisory Services. Its Value
PMS Scheme gave a 160% post-tax return for the year ended March 2004.
In Asia Money Brokers Poll 2003 MOSt has been rated as the Best Domestic Research HouseMega Funds, while in 2000 and 2002 it has been rated as the Best Domestic Equity Research
House and Second best amongst Indian Brokerage firms respectively.
HDFC SECURITIES LTD (HDFCsec):
HDFCsec is a brand brought to you by HDFC Securities Ltd, which has been promoted by the
HDFC Bank & HDFC with the objective of providing the diverse customer base of the HDFC
Group and other investors a capability to transact in the Stock Exchanges & other financial
market transactions. The services comprise online buying and selling of equity shares on the
National Stock Exchange (NSE).
Buying
and
selling
of
select corporate
debt
and
government securities on the NSE would be introduced in a subsequent phase.

In a few months, they will also start offering the following online trading services on the BSE
and NSE: Buying and selling of shares on the BSE Arbitrage between NSE & BSE Trading in
Derivatives on the NSE Margin trading products. They are also planning to include buying and
selling of Mutual Funds, IPQ subscriptions, right issues, purchase of Insurance policies and asset
financing.
Page 25
ABOUT FIRM
India Infoline originally incorporated on October 18, 1995 as Probity Research And
Service Private Limited at Mumbai under the companies act, 1956 with registration number
1193797. And become a public limited company on April 28, 2000.
The name of the company was changed to India infoline.com limited on May 23, 2000
and later to India Infoline Limited on March 23, 2001. It is the first company in India to foray
into the online distribution of Mutual Funds.
It is a one-stop financial service shop, most respected for quality of its advice,
personalized service and cutting-edge technology. The No-1 corporate agent for ICICI Prudential
Life Insurance Company. Research acknowledge by Forbes as Must Read for Investor in South
Asia
The India Infoline was listed on Bombay and National Stock exchange with a net worth
of INR 200/- crore and a market cap of over INR 1970/- crore. The company has a network of
976 business locations (branches and sub-broker) spred across 365 cities and towns. It has more
than 800,000 customers. It is registered with NSDL as well as CDSL as a depository participant.
Providing a one-step solution for client trading in the equities market.
The Company is engaged in the activity of mortgage financing, loan against securities,
gold loans, margin funding and other consumer financing products.
India Infoline Finance Ltd. is professionally managed and shares the professional values and
ethos of its parent company, IIFL and has acquired and maintained a reputation for reliability,
transparency of operations and absolute integrity. A steady growth rate validates the trust that
industry has reposed in the Company.
Page 26
IIFL offers advice and execution platform for the entire range of financial services
covering products ranging from Equities and derivatives, Commodities, Wealth management,
Asset management, Insurance, Fixed deposits, Loans, Investment Banking, Gold bonds and other
small savings instruments.
IIFL has received membership of the Colombo Stock Exchange becoming the first
foreign broker to enter Sri Lanka. IIFL owns and manages the website, www.indiainfoline.com,
which is one of Indias leading online destinations for personal finance, stock markets, economy
and business. IIFL has been awarded the Best Broker, India by Finance Asia and the Most
improved brokerage, India in the Asia Money polls.
Our research is available not just over the Internet but also on international wire services like
Bloomberg, Thomson First Call and Internet Securities besides others where it is amongst one of
the most read Indian brokers.
IIFL is a listed company with a consolidated group net worth of about Rs 1,800 crores. The
income and net profit during FY2010-11 were Rs. 14.7 bn and Rs. 2.1 bn respectively.
IIFLs Crisil and ICRA Rating for short term is top rated as CRISIL A1+ and ICRA (A1+)
respectively. For long term, IIFL has been rated ICRA(AA-) by ICRA and CRISIL AA-/Stable
by CRISIL indicating high degree of safety for timely servicing of financial obligations.
IIFL is near you physically: we are present in every nook and cranny of the country, with over
4,000 business locations across 900 cities in India. You can reach us in a variety of ways, online,
over the phone and through our branches. All our offices are connected with the corporate office
in Mumbai with cutting edge networking technology. The group caters to a customer base of
about a million customers.
The physical presence in key global markets includes subsidiaries in Colombo, Dubai, New
York, Mauritius, London, Singapore and Hong Kong.
Page 27
IIFL has managed and run by the well qualified and one of the successful peoples of an
investment team. The brains behind all the investment strategies and decision regarding wealth
management services are,
MANAGEMENT TEAM
Team with impeccable academic and professionals credentials.

Open door, transparent and performance oriented culture.
Increasing level of employee ownership.
Verticals
Corporate Function
Chairman & managing Nirmal jain

director
Executive Director
R. Venkatraman
Institutional Equities
Investment Banking
Consumer Finance
H. Nemkumar
Ajit Menon
Apul Nayyar
Finance
Compliance
Operations
Kapil Krishan
R Mohan
Narendra Jain
Retail Banking
Wealth Management
International Operations
Nandip Vadiya
Karan Bhagat
Bharat Parajia
Audit & Risk

Human Resources
Technology
Upendra Jaiswal
Capt. Rahul Sharama
Sankorson Banjree
------------------
---------------------
-----------------
---------------------
Offshore
management
Asset Deepesh Pandey
Insurance Distribution
Sateesh Kumar
HISTORY & MILESTONE OF COMPANY:

2011
Launched IIFL Mutual Fund.
2010
Received in-principle approval for membership of the Singapore Stock Exchange
Received membership of the Colombo Stock Exchange
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2009
Acquired registration for Housing Finance
SEBI in-principle approval for Mutual Fund
Obtained Venture Capital license
2008
Launched IIFL Wealth
Transitioned to insurance broking model
2007
Commenced institutional equities business under IIFL
Formed Singapore subsidiary, IIFL (Asia) Pte Ltd
2006
Acquired membership of DGCX
Commenced the lending business
2005
Maiden IPO and listed on NSE, BSE
2004
Acquired commodities broking license
Launched Portfolio Management Service
2003
Launched proprietary trading platform Trader Terminal for retail customers
2000
Launched online trading through www.5paisa.com Started distribution of life insurance and
mutual fund
1999
Launched www.indiainfoline.com
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1997
Launched research products of leading Indian companies, key sectors and the economy Client
included leading FIIs, banks and companies.
1995
Commenced operations as an Equity Research firm
CORPORATE STRUCTURE
FINANCE
CREDIT AND FINANCE
Overview
IIFL offers credit and finance facilities through its subsidiaries, India Infoline Finance Limited (a
98.82% subsidiary of IIL) and India Infoline Housing Finance Limited. Your Company offers a
wide range of secured loan products that include home loans, loan against property (for
Page 30
individuals and corporate), loans against capital market instruments, healthcare equipment
financing and loans against gold. The Companys loan book grew from ` 32.9 billion in 2010-11
to `67.5 billion in 2011-12. The diversified product portfolio, robust credit and risk management
processes
coupled with efficient collection mechanism has resulted in overall NPAs of less than 1%.
Major highlights, 2011-12

In FY12, home loans and loans against property contributed to 44.8%of the total loan book.
Loans against capital market products reduced significantly from 35.2% in 2010-11 to
11.8% due to high volatility and a downturn in the stock markets. Gold loan book size saw a
considerable increase and now comprises 41% of our total loan book. IIFL successfully
completed Initial Public Offering of Secured Redeemable on-Convertible Debentures (NCDs)
aggregating to ` 7,500 million. The
issue received an overwhelming response. These NCDs are listed and traded on NSE and BSE.
Money line Credit Limited, a step-down NBFC subsidiary, was merged with India Infoline
Finance Limited. This has enabled consolidation of all lending and investments businesses
(except housing loans) to ensure better operations and control.
Industry overview
India is witnessing increasing urbanization, which will fuel demand for homes and commercial
space. There is a huge demand supply mismatch for dwelling units which means demand for
loans will remain robust in the long to medium term, irrespective of high interest rates. The
organized gold loan market is pegged at US$ 8 billion and has grown at 40% CAGR since 2002.
Despite this, a mere 1.5-2% of Indias gold stock of
18-20,000 tonnes reaches the organized sector. According to the World Gold Council, demand
for gold in India is expected to grow 30% in real terms, which opens up a huge opportunity for
the sector (Source: Times of India)
FINANCIAL PRODUCT DISTRIBUTION
Overview
Page 31
IIFL is a pan-India distributor of financial products including life insurance, mutual funds, bonds
and debentures, among others. Your Company today distributes a wide product basket to suit
every investment need for diverse age groups, preferences and backgrounds. Of these products,
the dominant product category is life insurance and the business is conducted through India
Infoline Insurance Brokers Ltd. It maintains a prudent balance between endowment, ULIPs and
retirement products to suit the risk appetite of investors. IIFL has adopted an open architecture
model to distribute products of major insurance companies including Reliance Life Insurance,
ICICI Prudential Life, HDFC Life, Birla Sun life, Life Insurance Corporation, Max New York
Life Insurance and others.
Major highlights, 2011-12

Insurance premium (API) grew 20%to reach ` 3.3 billion Initiated an online customer investment
portal to enable faster turnaround time and quality service Received consent for registration as an
Aggregator under National Pension System from PFRDA
Industry overview
The insurance as well as mutual fund industry is facing sect oral head winds because of
regulatory changes. The Indian insurance sector witnessed a de growth of 13% in 2011-12. LIC,
with a market share of 71%, witnessed a 6%decline in new business premium inFY12 whereas
the private sector witnessed a decline of 17%. The Mutual Fund industry faced a down trend and
saw its asset management base shrink marginally in fiscal year 2011-12. The industry lost over
0.7 million folios during the six months ended March 2012 to end with46.4 million folios. The
retail category was the biggest loser in terms of folios, especially in equity. This was mainly
because of the volatile movement of the equity market. However, retail investors increased their
presence in debt-oriented mutual funds, which maybe attributable to investors looking at
alternate asset classes post the downfall in the domestic equity markets in 2011.
MARKETING
Market Positioning:
Market positioning statements of India Infoline are At India Infoline we give you single
window service and We also ensure your comfort. So, India Infoline focus on the
consumers who prefer almost all investment activities at same place by providing number
Page 32
of various financial services. Infoline also provides other investment option to the same
person at same place like Mutual Fund, Insurance, Fixed Deposit, and Bonds etc. and
help the person in designing his portfolio. By this way India Infoline provides comfort to
its customers.
India Infoline uses demographic segmentation strategy and segment people based on their
occupation. Employees work as intermediary between consumer and company.
The executives of India Infoline explain various new schemes of investment to its
customers with its objective, risk factors and expected return.
Selling Skill : The sales management process is the basis of effective selling.
Sales management means every step of the sales process is
executed efficiently leading to a sales.
Sales in financial services
In financial industry, customers will rarely come forward to
purchase services for them . most product are generally
intangible in nature .
For example opening a Demat/trading account is very different
from buying a mobile phone . the customer is relatively well
educated about what he seeks in case of consumer goods . in
case of financial product the customer has to be advised on the
benefits as well as the need for a financial product
Thus sales in the financial services industry is highly dependent
on how you manage your relationship with the customer.
Page 33
Thus we can describe the sales management process as a three step

process.
Acquisition:The process of prospecting and acquiring new customers using a
structured sales process.
Retention:
The process of providing excellent services and support to existing
customers and thus reduce attrition
Extension:
The process of leveraging the current customer base to generate more
revenue and increase share of wallet.
Acquisition:
Page 34
The customer Acquisition process illustrated below is unique
The sales
Acquisition
process
Page 35
Prospecting:-
Prospecting is all about finding potential new customers.

Prospecting is the continuous activity of observing, identifying
and qualifying
Prospective customers who may be approached to sell products
or services.
Personal contacts and observation:
These are the people whom you know and can be contacted
easily like friends , family, relatives, colleagues,
neighbours,customers,service providers.
Cold calling:
Page 36
Call up people based on the database of target market segments,

like traders, businessmen, professionals,etc.
Pamphlets distribution:
We can attract a large number of people by offering our services
through distributing pamphlets.
Human Resource
THE HR ESSENTIALS
Punctuality Attendance Rules
All employees should come to work on time and complete their work as per shift
schedule.
Disciplinary Action
Employees are expected to behave under the set code of conduct.
Employees are required to maintain confidentiality of information like client details,
product information, incentives, all computer files etc.
Sexual harassment is a serious offence and will lead to termination
Employees is requested to report sexual harassment matter immediately to the top
management and head - hr through mail
Any matter that seems suspicious to the employees must be reported directly to the HOD
under the whistle blower policy.
Other HR procedures
Updating bank details for salary
Employees can either provide their existing bank a/c details or open new bank a/c with
any of the three banks i.e.
AXIS BANK HDFC BANK IDBI BANK ICICI BANK
Bank a/c no. should be updated on IWIN for monthly disbursement of salary directly in
the bank account.
Salary information:
Employees can view his/her salary information on the employees payroll portal :
Employees can view all the salary details like monthly pay slip , CTC structure , etc.
Page 37
Employees can also access all income tax details like sheet and update investment
declaration details.
Leave rules
Every permanent employee at IIFL is entitled for:

Annual leave of 21 working days in a calendar year
Sick leave of 3 days
Leaves taken during probationary period will be considered as leave without pay
(LWP)
From 21 annual leaves, only 10 leaves can be carried forward to next year
Compensatory leave would be given to employee who work on public
holidays/weekly off days only if
He/she has worked for more than six hours on the day
Work is approved by the immediate reporting authority (IRA) /(HOD) of employee.
Attendance Rules
Any 3 late marks /early leaving in one month payroll cycle will be taken
as 1 day leave.
If employee is late by more than two hours from shift start time OR if
he /she leaves earlier than 2.5 hours from shift end time. Then in both
cases it would be marked as half day working.
Workplace Guidance
Dress code:
Employee is expected to be formally dressed on weekdays, from Monday to Friday. Employees
can go through the complete attire policies on IWIN.
Employee referral program:
At IIFL we have a structured and defined employees referral policy which is updated on IWIN.
Internal job posting:
Employees can view and apply for internal job transfers posted on the IJP link available on
IWIN.
Page 38
Transfer:
The company may, in the best interest of business or employees career, transfer an employee to
any of its offices within India
Communication channel
IWIN India infoline web based information network: it is used to communicate company
policies, procedures, important announcements etc
Talk to the MD: if any employee has a request to talk to the MD the link is available on IWIN
which says Q & A with the top management.
HR feedback channel: Ask HR- a link available on the IWIN enables an employee to get
assistance from HR team.
Performance management performance appraisal and reward system (PARS)
Promotion, increments, bonus are all based on the performance appraisal of an employee.
Performance appraisal is done on the basis of individual performance measures (IPMs)
prepared every 6 months & communicated through corporate intranet, IWIN
The feedback prepared by the IRA at time of review of IPM (once in 6 months) is shared
at both the ends.
A list of organizational competencies traits are given to the IRAs to measure individual
performance.
Employee complaints and grievance procedure
IIFL ensures that complaints and grievances of employees if any , are resolved in an
efficient and professional manner to ensure employee satisfaction.
Compliant should be resolved at local level by the respective leader that could be the
team leader / branch manager.
If the issue is not resolved he/she can mail HR employeegrivancesindianinfoline.com
Page 39
Branch
process
Customer
approaches the
branch
Cash handling to
customer
Interaction with CCE
In 5L and above,
conversation with BM
CCE Collecting Gold
Appraisal of gold
Page 40
GOLD LOAN FLOW

CHART
Operational learning
Role of staff engaged in a normal branch process:
Page 41
Security Guard
Customer care executive
Valuer 1 and 2
Branch Manager
Job of Security Guard:

First and foremost things are that security guard needs to be dressed properly.
Greet the customer
Ask customer the reason for visiting branch
Ask customer to enter details in visitor register
Lead the customer to branch
Role of customer care executive:
Handling inquiries from customers regarding loans against gold.
Helping customer to solve his / her all query.
Explaining terms and conditions of the product to the customer.
Counting jewel items in front of customer and taking his/her all query.
Ensuring all the KYC documents are verified with original.
Ensuring all the details are filled up in customer detail form.
Role of valuer 1 and valuer 2:
Checking the jewellery with accuracy.
Testing gold with two methods which includes , skin test and salt test.
Finding out the purity and making appraisal sheet.
Working out on loan amount with mutual conversation.
Every gold jewellery item must be counted and matched with the appraisal sheet before
inserting it in gold packet.
Each and every details mention on packet must be filled in with accuracy.
It is important to keep gold packet in serial order in vault .
Page 42
Steps to be followed while appraising gold
Sort gold items according to solid , chains and others.
Confirm the purity with the help of touch stone and acid test.
Note down result in following format:
Pass out gold to valuer 2 for re- valuation
Suggest lower loan amount to BM.
Steps to be followed while sealing of gold
Fill in the details on the packet
Insert the gold and appraisal sheet in the packet
Fix the sticker
Sign on the sticker (BM and valuer 1)
Affix the seal on sticker
Keep the gold packet in vault in serial order mentioning the GL number (to and from)
Role of cashier:
To make sure that cash is taken from vault strictly as per cash denomination entered in
the system.
Ensuring that cash is counted twice before giving it to customer.
To make sure that cash transaction is done in front of cctv camera.
Steps to followed at the time of cash handling:
Joint custodians open the vault room.
Take cash as per cash denomination entered in system
Pass out the same to cashier to re-count.
Page 43
Handover the cash to customer in front of cctv camera.
Case 1: customer doesnt have valid documents (KYC norms)
Do not violate KYC norms.
A valid address proof must be taken.
In this case rent agreement is must as a address proof.
One should not process the loan if customer doesnt have the proof of current residential
flat.
Case 2: customer doesnt have address proof (KYC norms)
Do not violate KYC norms.
In this case address proof is to be taken
One should not process the loan if customer doesnt give you the address proof at the
same moment.
Do not deny of giving loan but you can always say your customer to come up with all the
documents so, you will process the loan in 5 min.
Case 3: Fraud customer
Inform your customer incase of broken jewelry.
Customers behavior must be noticed
In case of doubt , ask the customer about the reason for taking loan
Telephonic verification must be done at the same time
Alert other branches about the customer to avoid any further mishap
Case 4: Branch visit by senior
Do not allow any senior to check branch inventory without checking his/her ID card
Part release:
In part release customer has the facility to remove his / her some of the jewellery
Page 44
Customer can also change the scheme with remaining jewellery
When customer comes for interest payment make sure that it doesnt take much time
Interest amount = principal amt * annual ROI /

365*number of days
Final release :
At the time of final release kindly check the borrower copy
Open the gold packet in front of customer
Collect cash before handling gold to customer
Every transaction of cash must be done in front of cctv camera
Role of branch manager:
Branch manager has to explain customer about RTGS process
Convince customer to opt for RTGS/NEFT mode of cash transfer
Explain customer about the advantages of RTGS/NEFT process
Make sure that address verification is done by BM before disbursal of loan
SWOT Analysis Of India Infoline

Ltd
Strengths
Customization
It understands the dreams, needs, aspirations, concerns and resources are unique and this
is rejected in every move they do for the sake of individual customer. This is the greatest value it
provide online trading products like Smart Invest and Smart Trade.
Expertise
India Infoline Ltd brings within the customers reach their institutional ex-parties and the
ability to electively combine an invaluable understanding of the nancial markets, with an
intention of building a long-term partnership.
Page 45
One-stop-shop for all the investment needs

India Infoline Ltd gives all the types of services and products an individual investor can
dream and think of. All the nancial products and services are under one-roof.
Unbiased and objective advice
The teams of expert investment advisors customize plans to suit the needs of investors.
Brand image
India Infoline Ltd as such is a well known brand in industry.
Weaknesses
Expensive products
Some of the products like Smart Trade are quite expensive. An annual charge for Smart Trade is
Rs. 3000.
Tedious procedures
Tedious procedures and delays in processing the data and documents of new customers.
Fund transfer
It has tie-ups with only 5 banks for online fund transfer, where as other competitors have more
tie-ups.
Opportunities
Indian economy seems to be out of recession. This is the right time for inventers to re-enter the
market. The company should adopt some strategies to increase the business through existing
clients.
The increasing number of management graduates helps to get sales force at trainee levels at less
salaries or commission basis. It reduces the salaries and commissions expenses of the company.
The company can tie up with reputed B Schools for trainees.
Page 46
Threats
Stiff competition from existing players in the market and there is also a threat of new entrants. It
has lead to cut throat competition in terms of brokerage charges and exposure.
Increasing awareness of mutual funds and ULIPs created by Domestic Institutional Investors has
reduced the direct investment in to stock market to some extent. This automatically reduces the
business of stock brokers.
Changing economic scenario in India and changes in government policies will have great impact
on the revenue of this company
Many a investors burnt their gures during the bearish market conditions. It has turned many a
trading accounts inoperative.
Page 47
OPERATIONAL LEARNING
Data analysis
Q.1) Occupation of respondents?
a) Household
b)Business man
c) Government Employee
d) Private Employee
8
6
2
1
0
2
0
Here, we can see that maximum number of clients i.e., 62 clients are Business man 20 clients are
private employee 10 clients are government employee and 8 clients are house hold which
responded.
Q.2)How many times in year you have emergency

requirement of money?
a) 0
b) 1
c) 2
d) 3
11%
37%
33%
8%
Page 48
e) 4
f) 5
g) 6
6%
3%
2%
Here, we can see that maximum number of clients i.e., 37 clients have one time emergency
requirement of money , 33 clients have 2 times requirement of money and 11 clients dont have
the requirement of money .
Q.3) Are you aware about concept of gold loan?

a) Yes
b)No
59%
41%
Here, we can see that maximum number of clients i.e., 68 clients are aware about the concept of
gold loan while in the other hand only 32 clients are not aware about the concept of gold loan.
Page 49
Q.4) Have you ever used gold loan service ?

a) Yes
b) No
44%
56%
Here, we can see that maximum number of clients i.e., 56 clients never used gold loan services,
while in the other hand only 56 clients used the gold loan services.
Q.5) How did you get the information about IIFL Gold loan?
a) Family relatives
b) Friends and colleagues
c) Internet
d) Advertisement
46%
26%
19%
9%
Page 50
Here, we can see that maximum number of clients i.e., 46 clients got the information from family
relatives , 26 clients got the information from friends and colleagues , 19 clients got the
information from internet and 9 clients got the information from advertisement .
Q.6) What is your opinion about financial assistance given by IIFL?

a) Satisfied
b) Dissatisfied
c) Highly Satisfied
d) Can't Say
59%
14%
24%
3%
Here, we can see that maximum number of clients i.e., 59 clients are satisfied with the service
provided by India Infoline, while in the other hand only 14 clients are dissatisfied .
Page 51
Q.7).Your opinion about interest charged by the IIFL?

a)Very High
b) High
c) Reasonable
d)Low
17%
13%
48%
22%
Here, we can see that maximum number of clients i.e., 48 clients said that interest charged by
IIFL is reasonable , 22 clients said its low, 17 clients said its very high , and 13 clients said its
high .
Q.8) Reason for taking Loan from IIFL?

a)Faster Processing
b)Low Interest Rates
c)Brand image of the Company
d) Margin Amount
e)Others
61%
23%
8%
6%
2%
Here, we can see that maximum number of clients i.e., 61 clients responded that faster
processing is reason behind taking loan from IIFL, 23 clients responded its due to low interest
Page 52
rates, 8 clients responded its due to Brand image of the company, 6 client responded its due to
margin amount while in the other hand only 2 client responded for other option.
Q.9).How do you rate the Interest rates charged by IIFL?

a)Highly
Satisfacto
ry
b)Satisfac
tory
c)Average
ly
Satisfacto
ry
d)Dissatis
factory
e)Highly
Dissatisfa
ctory
16%
24%
36%
14%
10%
Here, we can see that maximum number of clients i.e., 36 clients are averagely satisfactory , 24
are satisfactory , 16 are highly satisfactory with the interest rate charged by the IIFL, while in
the other hand only 10 clients are highly dissatisfied and 14 are dissatisfied with the interest
charged by IIFL.
Page 53
Q.10)What according to you is the safest instrument of Investment & Saving?

a)Banks
Saving
A/C
b)Insuran
ce
c)Real
Estate
d)Stocks
& Shares
e)Fixed
Deposit
f)Post
Office
59%
5%
14%
4%
9%
9%
Here, we can see that maximum number of clients i.e., 59 clients responded banks saving a/c is
safest instrument of investment and saving, 14 clients responded real estate is safest, 9 clients
responded for fixed deposit, 9 clients for post office, 5 clients responded for insurance while in
the other hand only 4 clients responded for stocks and share
Q.11) How many times in a year do you have taken Gold loan?
a)0
b)1
c)2
d)3
e)4
42%
34%
12%
8%
3%
Page 54
f)5
1%
Here, we can see that maximum number of clients i.e., 42 clients never taken gold loan, 34 client
taken gold loan for 1 time, 12 client taken gold loan for 2 times, 8 client taken loan for 3 times, 3
client taken loan for 4 times and 1 client taken loan for 5 times .
Q.12) Do you have your owned house or rented ?

a)owned
b)rented
69%
31%
Here, we can see that maximum number of clients i.e., 69 clients have owned house , while in
the other hand only 31 clients have rented house.
Page 55
Q.13) Have you taken housing

loan ?
a)Yes
b)No
71%
29%
Here, we can see that maximum number of clients i.e., 71 clients taken housing
loan, while in the other hand only 29 clients not taken housing loan.
Q.14) Have you made any provision for your retirement?

a)Yes
b)No
58%
42%
Here, we can see that maximum number of clients i.e., 58 clients made the provision for their
retirement, while in the other hand only 42 clients not made any provision for retirement.
Page 56
Q.15) Looking at the recent downfall in Gold prices last month did you feel the urge to buy gold
at such low prices?
A. Yes
B. No.
Here, we can see that maximum number of clients i.e., 73 clients feel the urge to buy gold , while
in the other hand only 27 clients dont feel the urge to buy gold.
CONCLUSIONS
Page 57
IIFL provides the faster services as well as relationship manager facility for
encouragement and protects the interest of the investors. It also provides the information through
the internet and mobile alerts that what IPOs are coming in the market and it also provides its
research on the future prospect of the IPO.
Study also concludes that people are not much aware of IIFL gold loan services.
On the basis of the study it is found that IndiaInfoline Ltd is better services provider than
the other stockbrokers because of their timely research and personalized advice on gold loan and
financial investment product.
The company should also organize seminars and similar activities to enhance the
knowledge of prospective and existing customers, so that they feel more comfortable while
investing in the financial products.
The company should focus on the advertising strategy and also the marketing of the
product.
FINDINGS
Page 58
According to the survey most of the customers of Infoline Ltdsays that rate of interest
charged by IIFL is satisfactory .
Coming to faith 59% say India Infoline Ltd is better than others stock brokers due to
customers satisfaction. Lack of promotional activities undertaken by India Infoline securities
Ltd. in Kharghar.
IIFL gold loan is less preferred by the general people might because of less awareness
about IIFL goal loan services.
People want to invest their money in the bank saving accounts rather than insurance, fixed
deposit, stocks and shares.
Main purposes of investments are returns & liquidity.
Investors take risk as well as returns into their mind while making the investment.
Businessmen are more interested in the stock market than the others.
Many people know the concepts of gold loan in spite of that they dont take
Gold loan.
RECOMMENDATIONS
Page 59
There is lack of new customer addition in the branches of INDIA INFOLINE

FINANCIAL LIMITED , only existing customer comes to respective branches for gold loan so it
is important to increase the awareness about the financial products of in respective area.
In recent past years the expenses have gone up drastically. There exist squeeze of margin because
of that. Therefore adopting different majors should control the cost. Company has scope to
control Personal and Administrative expenses, which is increasing continually. Greater
indigenization could be one of the cost control major along with efficient Inventory Management
System.
INFOLINE FINANCIAL LIMITED Most of the people are not much aware of
IIFL gold loan services and its benefit. So INDIA can take general awareness of GOLD LOAN
SERVICES plan to the customers. INDIA INFOLINE should maintain the customer
satisfactions.
The Company should increase Exposure. It is the good tool to capture the market. To
increase awareness about GOLD LOAN SERVICES AND OTHER FINANCIAL PRODUCT
and the name India Infoline itself, the company should organize campaign. The campaign can be
weekly, monthly, yearly, it will give a good result to the company to capture market in the
competitive position.
A person can open only DEMAT ACCOUNT and TRADING ACCOUNT through INDIA
INFOLINE but through share broking house like ICIC SECURITIES, SBI, HDFC
SECURITIES, a person can open DEMAT ACCOUNT, TRADING ACCOUNT as well as
BANK ACCOUNT
Page 60
ANNEXURE
Name : _________________________
Date of Birth: _________________________
Marital Status:
Married
Single
Contact: ________________________
Email ID: ___________________________
Residence Location:_________________________
__________________________________________
No of Dependent: ___________________________
No. Of Earning Member: _____________________
Your Income p.a.: _________________________
Family Income: ________________________________
My Family Details:
Sr.No.
Name
Relation
Age
1.
2.
3.
4.
5.
Q.1)Occupation of respondents
a) Farmer / Household [ ]
b) Govt. Employee [ ]
Page 61
d) Business man [ ]
c) Private employee [ ]
Q.2) How many times in a year you have emergency requirement of money?
0
Q.3) Are you aware about concept of gold loan?

a)
Yes
b)
No
Q.4) Have you ever used gold loan service ?

a)
Yes
b)
No
Q.5) How did you get the information about IIFL Gold loan?
a) Advertisement [ ]
b) Friends & colleagues [ ]
c) family & relatives [ ]
d) Internet [ ]
e) Other [ ]
Q.6) What is your opinion about financial assistance given by IIFL?
a) Highly satisfied [ ]
c) Dissatisfied [ ]
b) Satisfied [ ]
d) Cant Say [ ]
Q.7).Your opinion about interest charged by the IIFL?

a) Very High [ ]
b) High [ ]
c) Reasonable [ ]
d) Low [ ]
Q.8) Reason for taking Loan from IIFL?

a) Faster Processing
c) Brand image of the Company
b)Interest Rates
d) Margin Amount
e)Others
Page 62
Q.9).How do you rate the Interest rates charged by IIFL?

a. Highly Satisfactory
b. Satisfactory
c. Averagely Satisfactory
d. Dissatisfactory
e. Highly Dissatisfactory
Q.10) What according to you is the safest instrument of Investment &
Saving?
Banks Saving A/C

Insurance
Real Estate
Stocks & Shares
Fixed Deposit
Post Office
Others_______________________
Q.11) What is your approximately Monthly Household Expenses?
>
10,000
up to 15,000
up to 20,000
up to 25,000
above 30,000
Q.12) How many times in a year do you have taken Gold loan?
0
Q.13) Do you have your owned house or rented ?

a)
Owned
b)
rented
Q.14) Have you taken housing loan?

Page 63
a)
Yes
b)
No
Q.15) Have you made any provision for your retirement?

a)
Yes
b)
No
Page 64

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PROJECT REPORT

Market Scoping and analysis of Financial

INDIAN INFOLINE FINANCIAL LIMITED

PILLAIS INSTITUTE OF MANAGEMENT STUDIES AND

INDIAN INFOLINE FINANCIAL LIMITED

The last two months with MARKETING SCOPING AND ANALYSIS OF

manager MARKETING SCOPING AND

ANALYSIS OF FINANCIAL INVESTMENTS AND LOAN PRODUCTS for

I convey my sincere thanks to him in spite of his busy schedule he

INDIAN INFOLINE FINANCIAL LIMITED

for giving me the freedom to work on my project. As a student of PILLAIS

INDIAN INFOLINE FINANCIAL LIMITED

4.1 About Firm

INDIAN INFOLINE FINANCIAL LIMITED

INDIAN INFOLINE FINANCIAL LIMITED

IIFL Gold Loan

The main features of IIFL Gold Loan:

Loan amount ranges from min Rs 5,000 to max Rs 10,00,000

INDIAN INFOLINE FINANCIAL LIMITED

Valuation Charge: These are the charges to be paid to the valuator.

Late payment penalty: Most of the service providers charge late

Pre-payment penalty: Most of the service providers do not charge

It is advisable to check with the loan provider before taking the

OBJECTIVE OF THE STUDY:-

The objective of the research is to study and analyze the awareness

To study what kind of changes the organization has undergone in the

To know the Gold Loan performance level in the present market.

This report is based on the study conducted at the Kalamboli

RESEARCH DESIGN OF THE STUDY

Primary data: Questionnaire

DATA COLLECTION INSTRUMENT

ORGANISATION OF FIELD WORK

Time limit is a major constraint.

Non-Banking Financial Company (NBFC)

INDIAN INFOLINE FINANCIAL LIMITED

INDIAN INFOLINE FINANCIAL LIMITED

INDIAN INFOLINE FINANCIAL LIMITED

Loan against Property

Eligibility Income criteria

Home loan amount suited to your needs

Eligibility Income criteria

Loan amount ranges from min Rs 5,000 to max Rs 10,00,000

Quick & Hassle free loan

Key Customer Segment:

ICICI Prudential Life Insurance:

Additional maturity benefit: Receive additional amount in form of Maturity Addition

Institutional High Quality research and block placement capabilities.

Financial Product Distribution

Credit and Finance

KEY PLAYERS IN THE INDUSTRY

commodities backed with investment advice tempered by decades of broking experience. A

depository services for settling them. The company has 42 branches

your fingertips. This

by our knowledgeable and customer focused

professionalism, research-based value

implementation of cutting-edge technology have enabled it to blossom into a thousandmember team.

government securities on the NSE would be introduced in a subsequent phase.

INDIAN INFOLINE FINANCIAL LIMITED

INDIAN INFOLINE FINANCIAL LIMITED

Team with impeccable academic and professionals credentials.

Chairman & managing Nirmal jain

Audit & Risk

Asset Deepesh Pandey

HISTORY & MILESTONE OF COMPANY: