reliance money project
TRANSCRIPT
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SUMMER TRAINING REPORT
ON
RELIANCE MONEY
Submitted in partial fulfillment of the requirementsfor the award of the degree of
Bachelor of Business Administration
To
Guide: Submitted
0612111707
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TABLE OF CONTENTS
S No. Topic Page No.
1 Certificate 2
2 Acknowledgements 4
3 List of Tables/Figures 6
4 Chapter-1: COMPANY PROFILE 7-21
5 Chapter-2: SWOT ANALYSIS 22-27
6 Chapter-3: FINANCIAL ANALYSIS 28-38
7 Chapter-4: LESSONS LEARNT 39-42
8 Bibliography 43-45
9 Appendices 46-50
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LIST OF TABLES
Table No Title Page No
1 PRODUCT PORTFOLIO 14
2 ORGANIZATIONAL STRUCTURE 19
3 PRESENT LEADERSHIP 204 CASH FLOW 37
LIST OF FIGURES
Figure No Title Page No
1 RELIANCE CAPITAL LTD. 9
2 ADA GROUP 113 ORGANIZATIONAL STRUCTURE 174 GEOGRAPHICAL LOCATION 215 SWOT ANALYSIS 236 CURRENT RATIO 287 QUICK RATIO 298 DEBT EQUITY RATIO 309 TOTAL ASSETS TO DEBT RATIO 3110 PROPRIETARY RATIO 3211 WORKING CAPITAL TURNOVER RATIO 3312 FIXED ASSET TURNOVER RATIO 34
13 NET PROFIT RATIO 3514 CURRENT ASSET TURNOVER RATIO 36
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CHAPTER 1
COMPANY
PROFILE5
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COMPANY PROFILE
Corporate Office
Reliance Money Ltd.,
4th. Floor, Parijat House,
Off Dr.E.Moses Road, Manjrekar Lane,
(Landmark: Next to UTVi Building),
Worli Naka, Mumbai - 400028
Maharashtra.
Registered Office
6th floor, Nagin Mahal,82, Veer Nariman Road, Churchgate,
Mumbai-400020, India
Contact Centre
Write at: [email protected]
Call and Trade: 022 39886000
Franchise Desk: 022 39886789
Website
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http://www.reliancemoney.com
RELIANCE MONEY LTD is a Multi-National company and is the largest brokerage and
distributor of financial products in India with more than 2 million customers and the largest
distribution network- 20,000 plus touch points, 8,500 outlets in over 4,250 locations and
710,000 broking accounts. Its setting global foot prints by operating in and across India in
the like countries Singapore, UK, Malaysia, Middle East, Nigeria and Hong Kong.
RELIANCE MONEY LTD. is promoted by RELIANCE CAPITAL LTD. and is a part of
ANIL DHIRUBHAI AMBANI GROUP (ADAG). It is ranked among the 15 most valuable
private companies in India.
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FIG.1
Reliance Money is a group company of Reliance Capital- one of India's leading and fastest
growing private sector financial services companies, ranking among the top 3 private sector
financial services and banking companies, in terms of net worth. It is a financial transaction
platform offering customers a wide range of asset classes to diversify their portfolio.
Reliance Money is a comprehensive electronic transaction platform offering a wide range
of asset classes. Its endeavor is to change the way India transacts in financial markets and
avails financial services. Reliance Money is a single window, enabling you to access,
amongst others in Equities, Equity & Commodities Derivatives, Mutual Funds, IPOs, and
Life & General Insurance products, Offshore Investments, Money Transfer, Money
Changing and Credit Cards.
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FIG.2.
Communic
ation
Power
Financial
Services
Natural
Resources
Media and
Entertainm
ent
Infrastruct
ure
ADA
GROUP
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Reliance Money as firm under Reliance capital ltd deals in online broking and distribution
which can be a single window for:
Equity
Equity and Commodity Derivatives
Mutual Funds
IPO
Life Insurance
General Insurance
Offshore Investments
Portfolio Management Services(PMS)
Gold Coin
PRODUCT PORTFOLIO OF RELIANCE MONEY
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TABLE.1
Reliance Money
Equity Life and General Insurance
Derivatives Mutual Funds
Commodity IPO
Money Transfer Money Changing
Gold Credit Cards
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VISION AND MISSION :-
Vision :
To be a preferred partner for all clients, customers and partners and be a preferred
employer globally.
To build a global enterprise for all our stakeholders, and A great future for our
country,
To give millions of young Indians the power to shape their destiny, The means to
realize their full potential.
Mission :
Building great enterprise for its stakeholders
A great future for our country
Follow the best business practices to deliver the cost effective solutions and
services in the business areas like competency development, training, Management
consulting, application maintenance and support, offshore development and project
implementations.
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Size Of The Company :
Currently 2200+ employees across 162 locations spread across the country.
Distribution network of over 10,000 outlets across 5,165 locations in India.
The Corporate Office at Worli, Mumbai has approx 350 people belonging to these
various functions.
Accounts for daily traded volumes of over Rs 2,000 crore ( US$ 454 million ), or 3-
4 % of the average daily volume of transactions logged on the stock exchanges.
Turnover :
Daily average turnover on stock exchanges Rs. 22 billion
Daily commodities exchange turnover Rs. 2.5 billion
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Market share and Position of the company :
The Reliance Anil Dhirubhai Ambani Group is among Indias top three private sector
business houses on all major financial parameters, with a market capitalisation of
Rs.325,000 crores (US$ 81 billion), net assets in excess of Rs.115,000 crores (US$ 29
billion), and net worth to the tune of Rs.55,000 crores (US$ 14 billion).
Reliance Money has overtaken Thomas Cook to become the largest aggregator and
exporter in the currency business.
Company is among the largest broking and distribution house of financial products and
having share of more then 3% of total stock market volume at BSE & NSE.
Its wholesale financing business was a distinct contributor to revenues, accounting for Rs.
141 crore in 2007-2008, against Rs. 7 crore in the previous year.
The last four-five years have been fantastic for the retail broking business with 60 to 70 per
cent growth annually . Last years they have taken giant strides.
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ORGANIZATIONAL STRUCTURE
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Fig.3
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Reliance Money Organizational Structure
TABLE.2
Present Leadership :
CEO - Mr.Sudip Bandopadhyay
Head (Deputy CEO)
Legal & Finance Ms. Jhuma Ghua
Head
Operations Mr. Pawan Kothari
Head
CTO G.N. Nagaraj
Head (Deputy CEO)
Sales Mr. Kapil Bali
Head
Marketing & communication-
Mr. Bosco DMello
Infrastructure
Mr. Jitesh Anand
Head
Customer Service
Mr. Dipankar Mitra
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Name Designation
Anil D. Ambani Chairman
Amitabh Jhunjhunwala Vice Chairman
Rajendra P Chitale Independent Director
V R Mohan Company Secretary
C P Jain Director
TABLE.3
National Level : National Head
Zonal Level : Zonal Head
Regional Level : Regional head (Siddhartha Chaturvedi)
Divisional level : Cluster Head (Vipin Makhija)
Branch Level : Center Manager (Devesh Dhaundiyal)
Area Level : Business Development Executives &
. Freelancers.
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METHODOLOGY:
RESEARCH INSTRUMENTS:
PRIMARY DATA
Primary data collected for this study was done through following methods:
Questionnaires, interviews of customers.
Observation method.
SECONDARY DATA
Secondary data collected for this study was done through following methods:
Company records and reports.
Websites.
Books on different aspects.
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GEOGRAPHICAL LOCATIONS
FIG.4
India
UK
Middle East
Nigeria Malaysia
Hong Kong
Singapore
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CHAPTER -2
SWOT
ANALYSIS
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SWOT ANALYSIS
FIG.5
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STRENGTHS:
Linking of all three accounts i.e. saving accounts (HDFC, IDBI and UTI Banks),
Demat account and trading account.
Trading in NSE, BSE, NCDEX and OFFSHORE
Investor can also invest in Mutual fund, Life and General Insurance.
Account protected through security key
Web base trading system
No need of pool account
Less brokerage in intraday and delivery
No service tax on brokerage
WEAKNESSES:
High Charges for the off line traders who trade in low volume.
Do not have access on regional Exchange.
Problem of Server down.
No credit facility
Higher demat opening charge
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OPPORTUNITIES:
First time introduced prepaid brokerage in India.
Already having a good market access through different products of RELIANCE
LTD.
Due to fall in saving and fixed deposit rate of interest, investor likes to invest in
stock market with minimum charges.
Providing the facility of investing money in mutual funds.
THREATS:
Higher offline brokerage as compare to other brokering houses.
Customer using online fund transfer facility must maintain Rs 5000 in his bank
saving account in one of these banks HDFC, IDBI , ICICI and AXIS.
Funding facility provided by other brokerage houses.
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USP :
Entrepreneurial mindset
Ownership and commitment
Speed and execution
Integrity
Respect and dignity
Pride and passion
Low brokerage rate
Security token key
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CHAPTER -3
FINANCIAL
ANALYSIS
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RATIO ANALYSIS OF RELIANCE CAPITAL
The Ratio Analysis have been calculated from Balance Sheet and Profit and Loss Account
of the years 2008 and 2009 which are given in Annexure for reference.
2009 2008 (in crores)
. Current Ratio:
Current Ratio = Current Assets = 11991.27 = 11658.14Current Liabilities 453.53 1144.80
=26.44:1 =10.18:1
0
5
10
15
20
25
30
2008 2009
Current Ratio
FIG.6
The ideal current ratio should be 2:1, but Reliance Capital has had a current ratio of more
than 2:1 in both the years thus showing that the company is in a good position.
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2.Quick Ratio2009 2008 (in crores)
Quick Ratio = Quick Assets = 95.05 = 34.58Current Liabilities 453.53 1144.86
=26.31 = 10.14
Quick assets = Current assets Inventory = 176.52 81.47 =219.79 185.21
=95.05 =34.58
Current liabilities = C.L. + provisions =213.94 + 239.59 =919.79 + 227.01
=453.53 =1144.80
0
5
10
15
20
25
30
2008 2009
Quick Ratio
FIG.7
The Quick ratio of the company for 2008 and 2009 is 10.38:1 and 26.6:1 respectively but
the ideal quick ratio is 1:1. So, it tells that the company will always be having sufficient
cash to meet its short term obligations.
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3. Debt-Equity Ratio
2009 2008 (in crores)
Debt-Equity Ratio = Debt (long term) = 13,779.53 = 9,325.59Equity (shareholders fund) 6806.44 6025.23
= 2.02 = 1.55
Equity=Equity share capital + Preference = 246.16+6560.28 =246.16+5779.07Share capital + reserves and surplus - =6806.44 =6025.23
Fictitious assets
0
0.5
1
1.5
2
2.5
2008 2009
Debt Equity Ratio
FIG.8
The ideal ratio should be 2:1.Lower the ratio, higher the degree of protection enjoyed by
lenders, therefore Reliance is able to meet long term financial position.
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4. Total Assets to Debt Ratio
2009 2008 (in crores)
Total Assets to debt ratio = Total Assets = 20585.97 = 15350.81Long Term debts 13,779.53 9,325.59
=1.49 =1.63
1.4
1.45
1.5
1.55
1.6
1.65
2008 2009
TOTAL ASSETS TO DEBT
RATIO
FIG.9
The ideal ratio should be 1.5:1 which measures the safety margin available to the suppliers
of long term debts, therefore Reliance has satisfying ratio.
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5. Proprietary Ratio
2009 2008 (in crores)
Proprietary ratio = Shareholders funds = 6,806.44 = 6025.23Total Assets 20585.97 15350.81
=0.33 =0.39
2008
Shareholder fund= Preference share capital + equity share capital+ reserve&surplus=0.00 + 246.16 + 5,779.07 =6,025.23
2009
Shareholder fund= Preference share capital + equity share capital+ reserve&surplus=0.00 + 246.16 + 6,560.28 =6,806.44
0.3
0.310.32
0.33
0.34
0.35
0.36
0.37
0.38
0.39
2008 2009
PROPRIETARY RATIO
FIG.10
The ideal proprietary ratio should be above 50% to ascertain the proportion of total assets,
which is contributed by the owners. Higher the ratio, greater the satisfaction for lenders and
creditors. Reliance has a proprietary ratio less than 50% in both the years which shows a
bad sign for the company an d that the company needs to work hard.
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6. Working Capital Turnover Ratio
(in crores) 2009 2008
Working capital turnover ratio = Net sales = 2939.88 = 2066.99Working capital 11,537.74 10513.34
= 0.25 = 0.19
Working Capital=C.A-C.L =11991.27-453.53 =11658.14-1144.80
=11537.74 =10513.34
0
0.05
0.1
0.15
0.2
0.25
2008 2009
WORKING CAPITAL
TURNOVER RATIO
FIG.11
Higher the ratio, better the efficiency in the utilization of working capital. This ratio
indicates number of times the working capital has been employed in process of carrying the
business. Reliance has again a good working capital turnover ratio
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7. Fixed Assets Turnover Ratio
(in crores) 2009 2008
Fixed Assets Turnover Ratio= Net sales = 2939.88 = 399.76Net Fixed Assets 98.94 104.63
= 29.72 = 19.75
0
5
10
15
20
25
30
2008 2009
FIXED ASSETS
TURNOVER RATIO
FIG.12
A high ratio indicates efficient utilization of fixed assets. Therefore reliance has partially
achieved this ratio but has to work harder to increase its fixed assets.
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8. Net Profit Ratio
(in crores) 2009 2008
Net Profit Ratio= Net Profit*100 =968.02*100 =1025.45*100Net Sales 2066.99 2939.88
=46.83% =34.88%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
2008 2009
NET PROFIT RATIO
FIG.13
It indicates the overall efficiency of the business. Higher the net profit ratio, better the
business is. The ratio of net profit of Reliance has increased from 34.88% in 2008 to
46.83% in 2009.
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9. Current Assets Turnover Ratio
(in crores) 2009 2008
Current Assets Turnover Ratio= Net Sales = 2939.88 = 2066.99Current Assets 11991.27 11658.14
= 0.25 = 0.18
0
0.05
0.1
0.15
0.2
0.25
2008 2009
CURRENT ASSETS
TURNOVER RATIO
FIG.14
This ratio examines the efficiency and inefficiency in the investment of current assets. High
ratio indicates a high degree of efficiency of the firm. Reliance has good ratio which
indicates a high degree of efficiency in utilization of total assets.
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Cash Flow Analysis
There are three parts of cash flow statement. They are as follows:
Operating Activities
Investing Activities
Financing Activities
TABLE.4
Cash Flow Statement
OperatingActivities
InvestingActivities
FinancingActivities
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The net cash generated from operating activities has increased from 1492.66 crores
in 2008 to 2972.38 crores in 2009,which shows that cash has been efficiently used
in the operating activities.
The cash used in investing activities has also increased from (1168.27) crores in
2008 to (2974.35) crores in 2009.
The cash used in financing activities has also increased from (100.43) crores in
2008 to (157.27) crores in 2009.
The cash & cash equivalents has increased in 2008 with 223.96 crores whereas in
2009 it has decreased with (159.24) crores.
The opening cash & cash equivalents of 2008 is 9.80 crores whereas the closing
cash & cash equivalents was 233.76 crores.
The opening cash & cash equivalents of 2009 is 233.76 crores whereas the closing
cash & cash equivalents was 74.52 crores.
From the analytical judgment of cash flow we can say that the financial position of 2008
was much better than the position in 2009
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CHAPTER - 4
LESSONS
LEARNT
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Working Environment
Company has a well motivated staff as every employee is engaged in performing
their own . work.
There is strict discipline regarding working hours in the company which reaps
employee turnover.
Good working conditions are provided to the employees so that employee can perform
their task efficiently.
If any employee has any doubt or clarification it can be easily resolved by consulting it
with immediate superior. This makes an employee perform the tasks in the manner as
required by the company.
Appropriate time for break is given so that with lunch some rest can also be taken by
the employees.
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Personal Experience
With this summer training lot information in the field of Finance & Marketing is
now known to me.
Much information regarding performance of other companies in the same field is
also known to me.
Hard work & zeal to work is very much needed to be on the top in a trading company
as there is very high competition in this field.
Good market interaction is needed to capture the market share.
This company is utilizing the talents of its employees in a very efficient manner as
every person has been assigned different tasks to perform. This makes the work of
the company in a very efficient way.
Working time in the company is strictly followed with which employees are also
satisfied.
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Difficulties Faced
First of all working in new field was difficult to adapt.
As my summer training was in the field of Finance, it was difficult to work in the
"BUSY" software which this company is following for the maintenance of data
records.
Earlier I have worked in the field of Marketing but when I did this training in the
field of Finance made a slight problem to me.
There was a lack of time to expose , learn and analyse the environment fully as well
as to complete the project.
CONCLUSION
From this 60 days experience in a corporate, I got a good exposure about what
really the corporate life is about. Its waking along with targets and mind stresses every
morning. The person who can manage these target and stress are shining in those fields.
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BIBLIOGRAPHY
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BOOKS:-
Kothari C.R., Research Methodology, 2nd ed.,1998
Bhalla V. K., Investment Management ,8th ed., S CHAND, 2001
Bhole L. M., Financial Institutions And Market, 3rd ed., TATA McGraw-HILL,
2002
Investment , 6th ed., TATA McGraw-Hill, 2006
MAGAZINES:-
BUSINESS TODAY
BUSINESS WORLD
NEWSPAPERS:-
ECONOMICS TIMES
TIMES OF INDIA
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WEBSITES
www.reliancemoney.com
www.mutualfundsindia.com
www.easymf.com
www.amfiindia.com
www.google.com
www.moneycontrol.com
www.icicidirect.com
www.valueresearchonline.com
www.nseindia.com
www.bseindia.com
46
http://www.reliancemoney.com/http://www.mutualfundsindia.com/http://www.easymf.com/http://www.amfiindia.com/http://www.google.com/http://www.moneycontrol.com/http://www.icicidirect.com/http://www.valueresearchonline.com/http://www.nseindia.com/http://www.reliancemoney.com/http://www.mutualfundsindia.com/http://www.easymf.com/http://www.amfiindia.com/http://www.google.com/http://www.moneycontrol.com/http://www.icicidirect.com/http://www.valueresearchonline.com/http://www.nseindia.com/ -
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APPENDICES
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Balance Sheet Of Reliance Money
In Rs. Crore
Mar '08 Mar '09
Sources Of Funds
Total Share Capital 246.16 246.16
Equity Share Capital 246.16 246.16
Share Application Money 0.00 0.00
Preference Share Capital 0.00 0.00
Reserves 5,779.07 6,560.28
Revaluation Reserves 0.00 0.00
Net worth 6,025.23 6,806.44
Secured Loans 2,454.48 4,937.04
Unsecured Loans 6,871.10 8,842.49
Total Debt 9,325.58 13,779.53
Total Liabilities 15,350.81 20,585.97
Mar '08 Mar '09
Application Of Funds
Gross Block 336.24 351.63
Less: Accum. Depreciation 231.61 252.69
Net Block 104.63 98.94
Capital Work in Progress 17.45 93.79
Investments 4,715.39 8,746.49
Inventories 0.82 0.53
Sundry Debtors 185.21 81.47
Cash and Bank Balance 33.76 74.52
Total Current Assets 219.79 156.52
Loans and Advances 10,578.20 11,834.75
Fixed Deposits 860.15 0.00
Total CA, Loans & Advances 11,658.14 11,991.27
Deffered Credit 0.00 0.00
Current Liabilities 917.79 213.94
Provisions 227.01 239.59
Total CL & Provisions 1,144.80 453.53Net Current Assets 10,513.34 11,537.74
Miscellaneous Expenses 0.00 109.01
Total Assets 15,350.81 20,585.97
Contingent Liabilities 38.55 389.61
Book Value (Rs) 245.29 277.10
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PROFIT AND LOSS ACCOUNT
In Rs. Crore
Mar '08 Mar '09
IncomeSales Turnover 2,066.99 2,939.88
Excise Duty 0.00 0.00
Net Sales 2,066.99 2,939.88
Other Income -70.08 -9.39
Stock Adjustments 0.00 0.00
Total Income 1,996.91 2,930.49
Expenditure
Raw Materials 0.00 0.00
Power & Fuel Cost 0.00 0.00
Employee Cost 157.86 149.08
Other Manufacturing Expenses 0.00 0.00Selling and Admin Expenses 135.22 304.61
Miscellaneous Expenses 106.68 141.65
Preoperative Exp Capitalized 0.00 0.00
Total Expenses 399.76 595.34
Mar '08 Mar '09
Operating Profit 1,667.23 2,344.54
PBDIT 1,597.15 2,335.15
Interest 408.61 1,237.84
PBDT 1,188.54 1,097.31Depreciation 17.09 21.22
Other Written Off 0.00 0.00
Profit Before Tax 1,171.45 1,076.09
Extra-ordinary items -3.41 0.93
PBT (Post Extra-ord Items) 1,168.04 1,077.02
Tax 146.00 109.00
Reported Net Profit 1,025.45 968.02
Total Value Addition 399.76 595.34
Preference Dividend 0.00 0.00
Equity Dividend 135.10 159.66
Corporate Dividend Tax 22.94 27.14
Per share data (annualised)
Shares in issue (lakhs) 2,456.33 2,456.33
Earning Per Share (Rs) 41.75 39.41
Equity Dividend (%) 55.00 65.00
Book Value (Rs) 245.29 277.10
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Cash Flow of Reliance Money
QUESTIONNAIRE
In Rs. Crore
Mar '08 Mar '09
Net Profit Before Tax 1169.00 1077.02
Net Cash From Operating Activities 1492.66 2972.38
Net Cash (used in)/fromInvesting Activities
-1168.27 -2974.35
Net Cash (used in)/from FinancingActivities
-100.43 -157.27
Net (decrease)/increase In Cash andCash Equivalents
223.96 -159.24
Opening Cash & Cash Equivalents 9.80 233.76
Closing Cash & Cash Equivalents 233.76 74.52
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NAME: . AGE : SEX: OCCUPATION: ..........CONTACT No: Monthly Income: i) < 15000 ii) 15000 25000 iii) 25000-40000
. iv) Above 40000
1. You are trading in stock exchange since
i) less than 1 yr ii) from 1 to 5 yrs
iii) from 5 to 10 yrs iv) more than 10 yrs
2. How do you trade in stock exchange
i) on line ii) off line
3. Which mode of trade do you prefer
i) IPOs ii) Intraday trading
iii) Pick up deliveries iv) Future & Option
4. Why you prefer trading in above
5. Who advised you to trade in particular script/stock
i) Self ii) Broker iii) Friends iv) others..
6. Where do you have your Demat account
i) Anand Rathi ii) Religare iii) Angle Broking
iv) Moti lal v) India Bulls vi) any other
7. Which facility or service is best suited to you there
....
8. What additional facility do you want to have ...
.
9. While opening a new Demat account which thing affect you most
i) Brokerage ii) Annual maintenance charges
iii) Credit policy iv) Any other
10. Are you aware about the facilities provided in Demat account by the Reliance Money
i) Yes ii) No
11. Would you like to open Demat account in Reliance Money (if no then why)
Signature:
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