DECLARATION

I hereby declare that the research work carried out by me in the project titled Comparative
analysis of financial & investment products in indian banks and ICICI bank as major is a record
of an original work done by me under the guidance of Mrs.. Devinderpreet Kaur . The results
embodied in this report have not been submitted to any other University or Institute for the award
of any degree or diploma.0

ACHNOWLEDGEMENT
In pursuit of an MBA, Summer Internship is a critical component of the entire package. ICICI
Bank Ltd. Has given me the oppurtunity to gain invaluable experience under the guidance of
Mr. Vikas Rao {Sales Mananger Investments and Services) & SIP Guide} and Mr. Sachin
Bhagat (Regional Sales Manager). Their continous support and cooperation along with their
valuable in hand experience about the Banking Industry (Investments) provided me with the
conceptual understanding &pratical approach needed to work efficiently for this project.
I would also like to say Special thanks to Mrs Anjali Khhanna (Branch Manager, ICICI
Bank Sec-14Branch) for providing the essential inputs and assisting me throughout.
Though a lot of hard work has gone into the making of this project, it would not have been
possible without the assistance of many people their at ICICI bank. So, I would like to extend my
sincere gratitude towards ICICI Bank Ltd.
I am highly obliged by the constant support that I got from my faculty guide Mrs.
Devinderpreet Kaur (Assistant Professor, MBA Deptt.) during the course of the project
.Starting from the initial stages till the end I have received continuous feedback with regard to
the progress of the project.
I would also like to thanks my colleagues and my family members for helping me throughout
this project at various stages and in various forms,without whose support it would have been
difficult for me to complete the project.
I hope this report reflects that my learnings in the past fourteen weeks is as beneficial to the
organization as it has been to me.

SHIKHA BALI

PREFACE
The successful completion of this project was a unique experience for me because by visiting
many place and interacting various person, I achieved a better knowledge about finance and
investment products in banks. The experience which I gained by doing this project was essential
at this turning point of my carrier this project is being submitted which content detailed analysis
of the research under taken by me.
The research provides an opportunity to the student to devote his/her skills knowledge and
competencies required during the technical session.

ABSTRACT

The project involves Study of different financial instrument and simultaneously counseling the
investors about the best financial and investment options available and to make them aware
about the risk and return parameters of those investment instruments. Project also involves
making of portfolio for the potential investors. It compares the traditional Investment Products
with the Modern Investment Products and aims to create a balance between these two options by
creating a portfolio where the investor would be able to generate maximum returns from his
investments without taking a huge risk and it ultimately finds the best possible investment mix.
Various mutual funds were analyzed in terms of their beta variables, sharpe ratios, no. of sectors,
rise in NAVs and returns.The fund, which emerged as a leader among all the parameters, was
chosen as the best fund and that fund was included in the portfolio of our investors.
To involve small investors in the stock market and to channelize their savings an interesting
scheme of Systematic Investment Plan (SIP) has been introduced. As per my analysis, the SIP
scheme has never given negative returns in any scheme amongst all the funds. It is an excellent
ad safe way to enter into the mutual funds. Last but not the least extensive research was done on
coming up with

investment guidelines to make it easier for potential clients to invest their

money according to their own will.

A
RESEARCH PROJECT
ON

C O M PAR ATI V E AN A LYS I S O F

FINANCIAL & INVESTMENT PRODUCTS OF
ICICI BANK
Submitted To:

KurukshetraUniversity, Kurukshetra in Partial fulfillment of the requirements

For award of the degree ofMasters of Business Administration
(Session 2011-2013)

SUBMITTED TO:
Mrs. Devinderpreet Kaur
Assistant Proff.

SUBMITTED BY:
ShikhaBali
MBA (Final)
Univ. Roll No.

YAMUNA INSTITUTION OF ENGINEERING & TECHNOLOGY,

VILL. GADHOLI
AFFILATED TO KURUKSHETRA UNIVERSITY
KURUKSHETA

CONTENTS

PAGE NO:
Declaration

Certificate

ii

Achnowledgement

iii

Preface

iv

abstract

Chapter1.

Introduction

1-5

Chapter2.

Introduction to ICICI bank

6-20

Chapter3.

Objectives of the study

21-22

Chapter4.

Literature Review

23-27

Chapter5.

Research Methodology

28-47

Chapter6.

Data Anlysis

48-66

Chapter7.

Limitation

67-68

Chapter8.

Findings

69-70

Chapter9.

Suggestions

71-72

Chapter10

Conclusion

73-74

Bibliography

75-76

Annexure

77-78