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Name:MEGHNA H. Tank

Roll No:55Class:SY.BCOM

(BANKNG & INSURANCE)

Subject: UNIVERSAL BANKING

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LETS REACH FORTHE SUN

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INTRODUCTION

Aditya Birla Financial Services Group,is one ofIndias leading non-banking financialcompanies having diversifiedinterests in the financial services sector. Incorporatedin 1991,

the companyis one ofthe largestplayers in security-basedlending andis a pioneerin IPO

financing in India.Aditya Birla Finance (ABF) offers specialized solutions in areas ofcapital

market and corporate finance. Headquarteredin Mumbai,the company has a wide

network through its branches .. Its flagshiplisted companies include Aditya Birla Minerals,

Aditya Birla Nuvo, Grasim, Hindalco- Novelis, Idea Cellular and Ultratech. The group hasbeen adjudged as 6th Top Companyfor Leaders in Asia Pacific Region.

Our Vision

To be a leader androle modelin a broad based andintegratedfinancial services business.

Our Values

Our core values describe the attitude and behavior, we believe are centraltodelivering

world-class client service.

We have five core values that are atthe heartofeverything we do:

Integrity

Commitment

Passion

Speed

Seamlessnes

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PRODUCTS & SERVICES

Capital market products

.

The Capital Market Groupoffers its customers the bestopportunity

tomeettheirliquidityrequirements. Itprovides finance for

investments in the primary andthe secondarymarket.Aditya BirlaFinance (ABFL) is the pioneerin IPO Financing in India. The Capital

Marketproductofferings include:

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The Capital Market product offerings include:-

Loan against securitiesLoan against securities individuals.

Loan againstmutualfunds unit.

Line ofcredit against securitiesIPO Financing

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Corporate Finance

The Corporate Finance Groupdeals with SMEs andlarge

corporate clients and aims toprovide innovative and customized

solutions tomeettheir working capital needs.

Ourvaluedrelationship with several blue chip companies & SMEs

demonstrate our expertise and commitment. Some ofourstrengths that give us an operational edge are Speed, Flexibility,

Seamlessness, and Structured Solutions.

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The Corporate Finance Product Suite includes:-

Invoice Discounting

Channel Financing

Vendor FinancingDebt Syndication

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DIFFERENT TYPES OF RISK ASSOCIATED

Aditya Birla Finance Limitedoffers its customers its customers with various capitalmarketproducts and Corporate Finance products. The companyis likelytoface manyrisk

associated as each and every customers ofthe company are nottrust worthy andloyalto

pay back the borrowedfunds fromthe company.ABFL is namelyfaces two kinds ofrisk

fromits customers. Viz; Credit Risk and Liquidity Risk.

Credit Risk is faced bythe company because itoffers its customers various types ofloansunder capitalmarketproducts. The loan amount becomes a problemifitis notrepaid

back bythe customers on the time given tothem bythe company. This is the most

fundamentalrisks faced bythe banks and NBFCs.

Liquidity Risks can also be faced byAditya Birla Finance ltd as it has a large amountof

credit and corporate finance products such as billdiscounting, channelfinancing etc whichalldeals with cash andliquid assets. Itis mainlyfacedifthe creditrating ofthe company

falls in the market. It can be also exposedtorisk ifthe marketto which it belongs and

depends are subjectedtoloss ofliquidity.

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CONCLUSIONOverthe years,Aditya Birla Finance Ltd have developed expertise and gained

experience in building a large,diversified andyet secure portfolio. They have aunique blendofstrength andflexibility and also have a recordfree ofNPAs, bad

debts andlegaldisputes. Hence we are trusted by some ofthe bestperforming

companies.We lendyouour expertise andreputation to helpyoumeetyour

shortterm working capital needs.

We have a range ofcorporate finance solutions which include Bill Discounting,Factoring, Reverse Factoring, Channel Factoring, Vendor Financing and Debt

Syndication. The companyis looking tofirst establish itselfin the wholesale

business before moving on toproviding microfinance tothe end consumer.

Hence ABFL can make his entryintomicrofinance which has become the fastest

moving business with greatfuture prospectus anditpromises to be one ofthe

biggest enablers ofIndias economic developmentin the coming years.

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RECOMMENDATIONSABFL can become a leading playerin the stock market expects to

enhance customer satisfaction and efficiency with operating system

ofcapital.Aditya Birla Finance limited can get converteditselfinto

an universal banking,leading toits growth in the market and

increasing customer satisfaction. which can helpthemto attract

more andmore customers.

Through its lending andfinancing solutions ABF enables its

customers topursue ambitious growth strategies and execute value-

creating transactions. The Capital Market Groupoffers its customers

the bestopportunitytomeettheirliquidityrequirements. It alsoprovides finance forinvestments in the primarymarket.

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ACKNOWLEDGEMENT

I am heartlythanking Pro. Rahul Shah to

give such a goodopportunitytomake the

projecton a non banking financial company.Which has helpedme to gain knowledge

aboutthe company and NBFC.