Training report On AWARENESS OF INSURANCE PRODUCTS OF

ICICI PRUDENTIAL IN KANPUR

AT

ICICI PRUDENTIAL LIFE INSURANCE

Training report submitted in partial fulfillment of the requirements for the award of the degree of

Bachelor of business administration

(Industry Integrated) To

MADURAI KAMRAJ UNIVERSITY, MADURAI

BY

SHABBIR AHMAD
BBA 4 SEM Reg. No. A7371186 Under the guidance of

PROF.(DR.) M.A. NAQVI

DIRECTOR

COLLEGE OF MANAGEMENT STUDIES MC.ROBERTGANJ, KANPUR-208 001

JUNE 2009

STUDENT DECLARATION
I hereby declare that the Training Report conduct at

ICICI PRUDENTIAL, KANPUR

Under the guidance of PROF.(DR.) M.A. NAQVI

submitted in partial fulfillment of the requirements for the award of the degree of

BACHELOR OF BUSINESS ADMINISTRATION

(industry integrated)

To

MADURAI KAMRAJ UNIVERSITY, MADURAI

Is my original work and the same has not been submitted for the award of any other degree/diploma/fellowship or other similar titles or prizes.

Place : KANPUR Date :

SHABBIR AHMAD BBA 4th sem Reg. no. A7371186

Acknowledgement
Presenting a training report of this type is an arduous task, demanding a lot of time . I can not in full measure appreciate and acknowledgement the kindness shown and help extended by various persons in this endeavor. I will remember all of them with gratitude Various individuals, in their own capacities at some point or the other contribute in bringing to function the research endeavor .by Acknowledging the guidance, support and assistance I humbly thank them. I am very thankful to Mr. Kamal Sippy (unit manager, ICICI Prudential, Kanpur)for providing me valuable support, guidance and an opportunity to undertake the training. I am also thankful to PROF. M.A. NAQVI (Director of College Of Management Studies Mc. Robertganj, Kanpur ) without his support this experience would not have been possible. I am also obliged to Mr. K.D.Kapoor for his able guidance at every step of my project work. Last but not the least I am also thankful to my coordinaror Mrs .Venus Madan for her help/support and cooperation in completing the project.

Shabbir Ahmad R-203

CONTENTS
CHAPTER 1 INTRODUCTION
1.1 GENERAL INTRODUCTION

1.2 OBJECTIVES OF THE STUDY 1.3 INDUSTRY PROFILE A.ORIGIN AND DEVELOPMENT OF THE INDUSTRY B.GROWTH AND PRESENT STATUS OF THE INDUSTRY C. FUTURE OF THE INDUSTRY

CHAPTER 2 PROFILE OF THE ORGANIZATION

2.1 Origin of the Organization 2.2 Growth and development of the organization 2.3 Present status of the organization 2.4 Future plans of the organization 2.5 Functional structure and organization chart 2.6 Organization structure and organization chart 2.7 Product and service profile of the organization 2.8 Market profile of the organization

CHAPTER-3 DISCUSSION ON THE TRAINING

3.1 Student work profile (role and responsibilities) 3.2 Description of live experience 3.3 Students contribution to the organization

CHAPTER-4 SUMMARY AND CONCLUSIONS

4.1 Summary of learning experience 4.2 Observation and recommendations

Appendix
Questionnaires & leaflets

Bibliography

Introduction
A)general introduction about the sector : Insurance sector in India

The insurance sector in India has become stronger in terms of capital and the no. of customers .it has become globally competitive and diverse aiming at higher productivity and efficiency sector has led to the emergence of better quality products and services. Reforms have changed the face of Indian banking and insurance, the banking sector has improved manifolds in terms of capital adequacy, assets, classification, profitability, income recognition, provisioning, exposure limits, investment fluctuation reserve ,risk management etc. diversifying into investment banking, insurance ,credit cards, depository services, mortgage insurance, securitization has increased revenues. As large number of players in various fields enters the market, competition would be intensified by mutual funds, non banking insurance corporations, post offices, etc. from both domestic and foreign players. All this would lead to increase sophistication and technology in the sector. corporate governance would come into the picture and other insurance institutions would have to reach the global standards .also the limit in fdi in private banks is increased to 74% and the limit for Fll is 49%.there are many challenges ahead for the banking sector such as technology, consumer satisfaction, corporate governance, risk management etc.

CHAPTER 1 General Introduction

Life insurance is a guarantee that your family will receive financial support ,even in your absence.

But si, ply life insurance provides your family with a sum of money should something happen to you . it thus permanently protects your family from financial crises . In addition to mserving as a protective cover , life insurance acts as a flexible money-saving scheme ,which empowers you to accumulate wealth to buy a new car, get your children married and even retire comfortably. life insurance also triples up as an ideal tax saving scheme . to know more , read the key benefits of life insurance.

Need for life insurance

Today, there is no shortage of investment options for a person to chose from . modern day investments include gold, property, fixed income instruments, mutual funds and of course ,life insurance . given the plethora of choices , it becomes imperative to make the right choice when investing your hard- earned money. life insurance is a unique investment that helps you to meet your dual needs saving for lifes important goals , and protecting your assets. life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the insurer individuals or individuals death. In return, the policy owner (or policy payer) agrees to pay a stipulated amount called premium at regular intervals or in lump sums (so-called paid up insurance).there may be design in some countries where: (Assets, Bills, and death expenses plus catering for after funeral expenses should be included in policy premium. Anyone whose assets equal more than the value of their primary residence should not be compensated beyond that value in case they cannot sell their house .in the case of those whose lost their spouse should be compensated also for one full year the wages for their spouse which would or should be compensated also for one full year the wages of their spouse which would or should be included to avoid lawsuits.) however in the united states ,

the predominant form simply specifies a lump sum to be paid on the insureds demise. As with most insurance policies , life insurance is a contract between the insurer and policy owner (policyholder) whereby a benefit is paid to the designated Beneficiary (or Beneficiaries) if an insured event occurs which is covered by the policy . to be a life policy the insured event must be based upon life (or lives) of the people named in the policy. Insured events that may be covered include: 1Death 2Accidental death 3Sickness Life policies are legal contracts and the term of the contract describe the limitations of the insured events .specific exclusions are often written into the contract to limit the liability of the insurer;for example claims related to suicide (after two years suicide has to be paid in full)(in India after one year suicide is covered).fraud, war, riot and civil commotion. Life based contracts tend to fall in to two major categories: 1Protection policies- designed to provide a benefit in the event of specified event, typically a lump sum payment. A common form of this design is tern insurance. 2Investment policies- where the main objective is to facilitate the growth of capitalby regular or single premiums. Common forms (in the US anyway) are whole life and variable life policies.

OBJECTIVES OF THE STUDY

1To study the awareness of life insurance of life insurance products of icici prudential in Kanpur. 2To evaluate the life insurance plans of icici prudential

3To judge the effectiveness of strategies used by icici prudential.

4To find out the willingness of the people to gain the policies for icici prudential

5To find out the market share of icici prudential.

6To find out the coustomers choice and preference.

Industry profile
A Origin and development of the industry: Insurance began as a way of reducing the risk of traders, as early as 5000BC in China and 4500BC in Babylon. Life insurance dates only to ancient Rome; burial clubs covered the cost of members funeral expenses and help survivors monetarily. Modern life insurance started in late 17th century England, originally as insurance for traders: merchants, ship owners and underwriters met to discuss deals at Lloyds Coffee House, predecessor to the famous Lloyds of London. The first insurance company in the United States was formed in Charleston, South Carolina in 1732, but it provided only fire insurance. The sale of life insurance in the US began in the late 1760s. the Presbyterian Synods in Philadelphia and New York created the Cooperation for relief of Poor and Distressed Widows and Children of Presbyterian Ministers in 1759; Episcopalian priests organized a similar fund in 1769. Between 1787 and 1837 more than two dozen life insurance companies were started, but fewer than half a dozen survived.

Prior to the American Civil War, many insurance companies in the United States insured the lives of slaves for their owners. In response to bills passed in California in 2001 and in Illinois in 2003, the companies have been required to search their records for such policies. New York Life for example reported that Nautilus sold 485 slave holder life insurance policies during a two year period in the 1840s; they added that their trustees voted to end the sale of such policies 15 years before the Emancipation Proclamation.

b. growth and present status of the industry:

Insurance is basically related to the method of spreading and deferring of risk, practically, insurance is a sharing device in which the losses of the few unfortunates are shared by the large number of persons exposed to the similar risks. The losses to the assets resulting from natural calamities fire flood earthquakes and accidents beyond the control of the humans beings are met out of the common pool contributed by the large number of persons exposed to the similar risks. Assets created by owner in expectations of future need benefits have an economic value and loss to the due to a reason deprives the owner of expected benefits insurance is mechanism that reduces the consequences due to losses in respect of the assets The purpose of insurance is to indemnify the loss occurred to assets due to natural calamities from unexpected events. Thus it is very natural to think of insurance of assets such as scooter, motorcar or fire insurance but we forget about the human insurance who is creator all assets. Human life is income generating assets. All assets decrease in value with passage of time and usage; where as human being get more experience with passage of time and there by his earning capacity increases

day by day with passage of time. This is the purpose of of life insurance for providing financial security to his family which is dependent on his income.

c. future of the industry

As per a recent report Indian insurance industry forecast (2007-2009) published by RNCOS, it has been found that life insurance market in India will likely reach around Rs 1683 Billion by the year 2009. changing consumer behavior, GDP growth rate, changing socio economic demography, and natural calamities occurring from time to time will remain the kry contributors in this growth. April 2007, current FYs first month, saw new business expand by 49%, where as general insurance players witnessed 16% increase during the same month. Out standing performance of SBI Life, ICICI Prudential, and LIC helped the Indian life insurance industry in mopping up almost Rs. 2,892 crore in April this year, whereas it was Rs. 1,996 crore in the same month last year. On the other hand Reliance Life ING Vysya, and Bajaj Allianz were amongst those insurers that come across a decline in their premium collection over the review period, as per the data compiled by the Insurance Regulatory & Development Authority. Selling almost 15,89,684 policies during this April, LIC- the largest life insurer in India- witnessed 57% growth in its new premiums that reached to Rs. 2,134 crore. LIC grabbed a market share of almost 71.56% during this April. Non-Life or general insurance industry saw a growth of 16% during this month, and icici Lombard was the second largest player in this segment. Business Standard published this in news on 14 June 2007. Looking at the current scenario, it can be made out that the four established public-sector players namely, National Insurance, United India, Oriental Insurance, and New India Assurance, may have to face stiff competition from private players like Bajaj Allianz, Reliance General, and ICICI Lombard, as per Business Standard.

According to RNCOS report Indian insurance industry forecast (2007-2009), Performance of life insurance industry remained better in comparison to non-life segment over the five year period spanning 2001-2005. some qualitative factors, like the deregulation rate of insurance market, and implementation rate of technologies prevailing in the market, need to perform up to the industry expectations in order to improve the growth rate of Indian life insurance market. The report provides an objective analysis of all aspects of Indian insurance industry. The issues addressed in this report include: prospective investment areas in Indian life insurance industry, market strategies adopted by key players in this segment, opportunities and challenges present in this industry, and so on.

Chapter-2
ICICI Prudential Life Insurance company is a joint venture between ICICI Bank, a premier financial powerhouse and Prudential plc, a leading international financial services group headquartered in the United Kingdom. ICICI was established in1955 to lend money to industrial development. Today, it has diversified into retail Banking and is the largest private bank in the country. Prudential plc was established in 1848 and is presently the largest life insurance company in the UK. ICICI Prudential is currently the No. 1 private life insurer in the country. For the financial year ended march 31,2005, the company garnered Rs 1584 crore of new business premium for a total sum assured of Rs. 13,780 crore and wrote nearly 615,000 policies.

Registered Office:
ICICI Towers 9th floor, Bandra-Kurla Complex Mumbai-400 51. Tel; 494 3232

Delhi Office: 3rd floor Videocon Towers E-1, Rani Jhansi Road New Delhi 110 055. Tel: 601 3232 Email: wecoveru@icici.com

HISTORY OF ICICI GROUP ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian financial institution, and was its wholly-owned subsidiary. ICICIs shareholding in ICICI Bank was reduced to 46% through a public offering of shares in India in fiscal 1998, an equaty offering in the form of ADRs listed on the NYSE in fiscal2000. ICICI Banks acquistion of bank of madura limited in an all stock amalgamation in fiscal 2001, and secondary market sales by ICICI to institutionals investors in fiscal 2001 and fiscal 2002. ICICI was formed in 1955 at the initiative of the World Bank, the government of India and representatives of Indian industry. The principal objective was to create a development financial institution for providing mediumterm and long-term projecting financing to Indian business. In the 1990s, ICICI transformed its business from a development financial institution offering only project finance to a diversified

financial services group offering a vide variety of products and services, both directly and through a number of subsdiaries and affiliates like ICICI Bank. In1999, ICICI became the first Indian company and and the first bank of financial institution from non-Japan Asia to be listed on the NYSE. After consideration of various corporate structuring alternatives in the context of emerging competitive scenario in the Indian banking industry, and the moves towards universal banking, the managements of ICICI and ICICI Bank formed the view that the merger of ICICI with ICICI Bank would be optimal strategic alternative for both entities, and would create the optimal legal structure for the ICICI groups universal banking strategy. The merger would enhance value for ICICI shareholders through the merged entitys access to low cost deposits, greater opportunities for earning fee-based income and the ability to participates in the payments system and provide transaction-Banking services. The merger would enhance value for ICICI Bank shareholders through a large capital base and scale of operations, seamless access to ICICIs strong corporate relationships built up over five decades, entry in to new business segments, higher market share in various business segments, particularly fee-based services, and access to a vast talent pool of ICICI and its subsidiaries. In October 2001, the Boards of Directors of ICICI and ICICI Bank approved the merger of ICICI and two of its wholly-owned retail finance subsidiaries, ICICI Personal Financial Services Limited and ICICI Capital Services Limited, with ICICI Bank. The merger was approved by shareholders of ICICI and ICICI Bank in January 2002, by the High Court of Gujarat at Ahmedabad in March 2002, and by the High Court of judicature at Mumbai and the Reserve Bank of India in April 2002. Consequent to the merger, the ICICI groups financing and banking operations, both wholesale and retail, have been integrated in a single entity. GROWTH AND DEVELOPMENT OF THE ORGANIZATION

Over 7 years ago, Prudential was one of the first foreign insurers in India Prudential returned to India in 1996 to explore market opportunities. In April 1997, Prudential signed two memoranda of understanding (MoUs) with ICICI: an umbrella MoU covering financial services and a commitment to set up joint venture partnership in life insurance. In may 1998 Prudential ICICI Assets Management company(AMc) was launched and today it has grown into one of the leading private sector mutual funds in India, with Assets under management of US $3.7 billion as on 31 December 2003. the life insurance operation, ICICI Prudential life insurance , was launched and has become the leading private sector life insurer in the industry, in 2002 , Prudential set up Prudential Process Management Services (PPMS) to outsource some of its customer service and administrative functions from its international operations. Incorporated on July 20, 2000 ICICI Prudential is a 74:26, joint venture of ICICI Bank, a leading Financial Institution of India of Prudential plc of U.K. Established in 1848, Prudential plc is a leading international financial services company of UK, with over US $ 30 billion funds under management and more than 16 million customers worldwide. In November 2000 ICICI Prudential Life Insurance was granted a certification of registration for carrying out life insurance business by the Insurance Regulatory & Development Authority (IRDA) of India. The company issued its first policy on December 12, 2000. ICICI Prudential has insurance offerings like market-linked products, savings products, retirement solutions and group superannuation plans.

ICICI Prudential was incorporated on July 20, 2000. it is a 74:26 , joint venture between ICICI and Prudential plc of U.K. in November 2000. ICICI Prudential Life Insurance was granted Certification of registration for carrying out life insurance business by the Insurance Regulatory & Development Authority of India.

The company issued its first policy on December 12, 2000. ICICI Prudential has consolidated its position as the leading private life insurer in India. ICICI Prudentials annulized premium grew more than three fold over the previous year. Continuing with its Customer First philosophy. ICICI Prudential has significantly expanded its presence to 29 operational branches (2001-2002: 16), with the advisor. Force growing to over 18,000. it has also strengthened its alternate distribution channels, i.e. Bancassurance, Corporate agents and direct marketing channels have contributed to over 18% of the Annulized Premium. ICICI Prudential was amongst the first to identify the emerging opportunity in the pension segment and launched two linked pension products- LifeTime Pension and LifeLink Pension, which have been well received in the market. ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank, a premier financial powerhouse, and prudential plc, a leading international financial services group headquartered in the United Kingdom. ICICI Prudential was amongst the first private sector insurance companies to begin operations in December 2000 after receiving approval from Insurance Regulatory Development Authority (IRDA). ICICI Prudentials capital stands at Rs18.15 billion with ICICI Bank and Prudential plc holding 74% and 26% stake respectively. For the 10 months ended January 31,2007 the company garnered Rs 3,240 crore of weited retail +group new business premiums and wrote over 1.3 million policies. The company has assets held to the tune of over Rs. 14,000 crore ICICI Prudential is also the only private life insurer in India to receive a national insurer Financial Strength rating of AAA (ind) from fitch rating. The AAA (ind) rating is the highest rating, and is a clear assurance of ICICI Prudentials ability to meet its obligations to customers at the time of maturity or claims. For the past six years.

ICICI Prudential has retained its position as No. 1 private life insurer in the country, with a wide range of flexible products that meetthe needs of the Indian customers at every step in life. ICICI Prudential has one of the largesr distribution networks amongst private life insurers in India. As of January 31,2007 the company has over 540 offices across the country and over 200,000 advisors. The company has over 20 bancassurance partners, having tie-ups with ICICI Bank ,federal Bank, South Indian Bank ,Bank of India, lord Krishna Bank, Idukki District cooperative Bank, Jalgaon Peoples cooperative Bank, shamrao Vithal Co-operative Bank, Ernakulam Bank and 9 Bank of India sponsored Regional Rural Banks (RRBS). It has also tied up with NGOs MFIs and corporates for the distribution of rural policies. ICICI Prudential Life Insurance offers a range of innovative, customer-centric products that meet the needs of customers at every life stage. Its products can be enhanced with up to 4 riders, to create a customized solution for each policy holder.

PRESENT STATUS OF THE ORGANIZATION:

ICICI Prudential began our operations in December 2000 after receiving approval from Insurance Regulatory Development Authority (IRDA) today, our nation-wide team comprises of over 580 offices, over 234,000 advisors; and 32bancassurance partners. ICICI Prudential was the first life insurer in India to receive a National Insurer Financial Strength rating foAAA(Ind) from fitch ratings. For three years in a row, ICICI Prudential has been voted as Indias Most Trusted Private Life Insurer, by The Economic Times AC Nielsen ORG Marg survey of Most Trusted Brands. As we grow our distribution, product range and customer base, we continue to tirelessly uphold our commitment to deliver world-class financial solutions to customers all over India. The ICICI Prudential edge comes from our commitment to our customers, in all that we do be it

product development, distribution, the sales process or servicing. Heres a peek into what makes us leaders. 1.ICICI products have been developed after a clear and through understanding of customers needs. It is this research that helps us develop Education plans that offer the ideal way to truly guarantee your childs education, retirement solutions that are a hedge against inflation and yet promish a fixed income after you retire, or Health insurance that arms you with the funds you might need to recover from a dreaded disease. 2.Having the right products is the first step, but its equally important to ensure that our customers can acess them easily and quickly. To this end, ICICI Prudential has an advisor base across the length and breadth of the country, and partners with leading banks, corporate agents and brokers to distribute our products. 3.Robust risk management and underwriting practices from the core of our business. With clear guidelines in place, we ensure equitable costing of risks, and thereby ensure a smooth and hassle-free claims process. 4.Entrusted with helping our customers meet their long-term goals, we adopt an investment philosophy that aims to achieve risk adjusted return over the long-term. 5.Last but definitely not the least, our 16,000 plus strong team is given the opportunity to learn and grow, every day in a multitude of ways. We believe this keeps them engaged and enthusiastic, so that can deliver on our promise to cover you, at every step in life.

PROMOTERS OF ICICI PRUDENTIAL ICICI Bank

ICICI Bank (NYSE:IBN) is Indias second largest bank and largest private sector bank with over 50 years presence in financial services and with assets of over Rs 3446.58 bn (USD 79 billion) as on March 31,2007. The Bank offers a wide range of banking products and financial services to corporate and retail customers through a variety of delivery channels and through its specialized in the areas of investment banking. life and non life insurance, private equity and assets management ICICI Bank is a leading player in the retail banking market and services its large customer base through a network of over 950 branches and extension counters, 3300 ATMs call centre and internet banking to insure that customers have access to its services at all times. Prudential Plc Established in London in 1848, prudential plc, through its businesses in the UK and Europe, the US and Asia , provides retail financial services products and services to more than 2 millions customers, policyholder and unit holders and manages over 251 billion of funds worldwide (as of 31 December 2006). In Asia, prudential is the leading European Life Insurance company with life operations in China, Hong Kong, India, Indonesia, Japan, Korea, Malaysia, The Philippines, Singapore, Taiwan, Thailand, Vietnam. Prudential is the second largest retail fund manager for asian sourced assets ex-Japan as at June 2006. its fund management business has expended into a total of ten markets : China, Hong Kong, India, Japan, Korea, Malaysia ,Singapore, Taiwan,Vietnam and United Arab Emirates.

ABOUT THE PROMOTERS

ICICI Bank (NYSE:IBN) is Indias second largest bank and largest private sector bank with assets of rs.2958.32 billion as on December 31,2006 ICICI Bank provides a broad spectrum of financial services to individuals and companies . this includes mortgages car and personal loans credits and

debits cards corporate and agricultural finance .The Bank services a growing customer base through a multi-channel access network which include over 695 branches and extension counters, 3051 ATMs, call centers and internet banking. Established in London in 1848, prudential plc, through its business in the UK and Europe, the US and Asia, provides retail financial services products and services to more than 21 million customers, policy holder and unit holders world wide. Today, Prudential has millions of customers worldwide and over 238 billion (as of 30 June 2006) of funds under management. In Asia, Prudential is the leading European life insurance company with a vast network of life and fund management operations in thirteen countries China, Hong Kong, India, Indonesia, Japan, Korea, Malaysia, The Philippines, Singapore, Taiwan, Thailand, Vietnam and United Arab Emirates.

A summary of the financial performance of icici prudential life insurance is as follows

(Rupees in million ) Particulars for the period ended march 31, 2007 2007 Premium Income Other Income total Income Expenditure Net Profit/(Loss) Share Capital 4176.00 120.60 4424.00 8.63 (1471.82) 4250.00 2006 1163.00 220.71 1193.71 11.07 (1050.98) 1900.00

VISION AND VALUES

To make ICICI Prudential the dominant life and pension player built on trust by world-class people and service. This e hope to achieve by: 1Understanding the need of customers and offering them superior product and service 2Leveraging technology to service customers quickly, efficiently and conveniently. 3Developing and implementing superior risk management and investment strategies to offer sustainable and stable returns to our policyholders 4Providing an enabling environment to foster growth and learning for our employees 5And all above all, building transparency in all our dealings. The success of the company will be found in its unflinching commitment to 5 crore valueintegrity, Customer First, Boundaryless ownership and passion. Each of the values describe what the company stands for, the qualities of our people and the way we work. We do believe what we are on the threshold of an exciting new opportunity, where we can play a significant role in redefining and reshaping the sector. Given the quality of our percentage and the commitment of our team, there are no limit of our growth.

Values:
Every member of the ICICI Prudential is committed to 5 crore values: Integrity, Customer First, Boundaryless, Ownership, and passion. These values shine forth in all we do, and have

become the keystones of our success.

FUTURE PLANS OF THE ORGANIZATION:

Prudential is very positive about India and expects significant growth in the country. India is the fastest growing region besides China. ICICI Prudential is out to new and low insurance penetration markets in order to increase its market share. It works closely with NGOs and microfinance institutions to spread awareness of the concept of insurance in rural areas. While this helps the company meet the social obligations mandated by IRDA, the company has gone a step ahead and actively involved the villagers, to work closely with them. In an industry where the agent was the principal channel, the company developed multiple channels. In alignment with its Customers First philosophy, ICICI Prudential has, as of August 2007, significantly expanded its presence to 78 cities and towns of India, with the advisor force growing to over 36,000. it also has strong alternate distribution channels: banc assurance, corporate agents and direct marketing, contributing about 25 per cent of annualized premium.

BOARD OF DIRECTORS
The ICICI Prudential Life Insurance Company Limited Board comprises reputed people from the finance industry both from India and abord. Mr. K.V.Kamath, Chairman Mr. Barry Stowe Mrs. Kalpana Morparia Mr. HT Phong Mr. M.P. Modi Mr. R Narayanan Mr. Keki Dadiseth Mrs. Shikha Sharma, Managing Director Mr. N.S.Kannan, executive Director Mr. Bhargav Dasgupta, executive Director

MANAGEMENT TEAM

The ICICI Prudential Life Insurance Company Limited Management team comprises reputed people from the finance industry both from India and aboard. Ms. Shikha sharma , Managing Director & CEO Mr. N.S. Kannan, Executive Director Mr. Bhargav Dasgupta, Executive Director Ms. Anita Pai, EVP- Customer Service & Technology Mr. Azim Mithani, Chief Actuary Mr. Puneet Nanda, Chief Investments Officer Mr.Binayak Dutta, Chief Sales and distribution

ORGANIZATION STRUCTURE CHAIRMAN BOARD OF DIRECTORS CEO

GENERAL MANAGER MANAGER BRANCH MANAGER ASSISTANT BRANCH MANAGER SALES MANAGER ADVISORS STAFF

ANALYSIS
COMPRATIVE ANALYSIS OF ICICI PRUDENTIAL WITH LIC:DATA INTERPRETATION:Q1) Are you aware about LIC and ICICI PRUDENTIAL LIFE INSURANCE?

Option Yes No

Response 60 % 40%

YES NO

about LIC and ICICI PRUDENTIAL in KANPUR. Above Pie chart shows that 60% respondents are aware and 40% are not aware.

Q2) In which company you have interested?

Option LIC

Response 60 %

ICICI PRUDENTIAL LIFE 25 %

INSURANCE Any other

ICICI PRUDENTIAL

15%

Above bar chart shows that 60% respondents have invested in LIC followed by ICICI PRUDENTIAL (ICICI PRUDENTIAL) and other insurance companies.

Q3) On which company you have more trust?

Option LIC ICICI PRUDENTIAL OTHER

Response 55% 30 % 15%

60 50 40 30 20 10 0 LIC RLIC O THER RESPONSE

Above bar chart shows that 55% people have trust on LIC and 30% people have trust on Icici prudential. And other 15% trust on other company.

Q4) which company has more diversified product?

Option LIC ICICI PRUDENTIAL OTHER

Response 30% 50% 20%

50 45 40 35 30 25 20 15 10 5 0

RESPONSE

LIC

RLIC

OTHER

Above bar chart shows that 30% people feel that ICICI PRUDENTIAL have more diversified product and 50% person feel that LIC has more diversified product. 20% people interested on other companies product.

Q5) which company is providing better services?

Option LIC ICICI PRUDENTIAL OTHERS

45 40 35 30 25 20 15 10 5 0 LIC RLIC

Response 35 % 45% 20%

RESPONSE

OTHERS

Above bar chart shows that 35% respondents feel ICICI PRUDENTIAL is providing better services as compare to 45% respondents who feel that LIC is providing better services. and 20% feel others provide better service.

Q6) which company providing better return on investment?

Option LIC ICICI PRUDENTIAL OTHERS

Response 30% 37% 43%

45 40 35 30 25 20 15 10 5 0

RESPONSE

LIC
Above bar chart

RLIC

OTHERS

shows that 37% people feel that ICICI PRUDENTIAL is who feel that LIC is

providing better return on investment as compare to 30% people providing better return on investment.

Q7) Policies of which company is more towards common people?

Option LIC ICICI PRUDENTIAL

90 80 70 60 50 40 30 20 10 0

Response 83 % 17 %

RESPONSE

LIC

RLIC

Above bar chart shows that 83% people feel that policy of LIC is more toward common people as compare to 17% people PRUDENTIAL is more toward common people. who feel that policy of ICICI

Q8) in which company your money is more safe?

Option LIC ICICI PRUDENTIAL

90 80 70 60 50 40 30 20 10 0 LIC RLIC

Response 87 % 13 %

RESPONSE

Above bar chart shows 87% people feel that their money is more safe in LIC as compare to 13% people who feel that their PRUDENTIAL . money is more safe in ICICI

Q9. Investment in which company is more transparent?

Option LIC ICICI PRUDENTIAL

Response 53 % 47 %

53 52 51 50 49 48 47 46 45 44 LIC RLIC RESPONSE

Above bar chart shows that 53% people feel that Investment in LIC is more transparent as compare to 47% people who feel that investment in ICICI PRUDENTIAL is more transparent

Q10.Which Company is having more flexible product?

Option LIC ICICI PRUDENTIAL

Response 50 % 50 %

50 45 40 35 30 25 20 15 10 5 0

RESPONSE

LIC

RLIC

Above bar chart shows that both LIC and ICICI PRUDENTIAL is having equal number of flexibleproduct

Q11) What is the important factor that influence you to invest in LIC and ICICI PRUDENTIAL ?

Option Liquidity Reputation Security Reliability

LIC 1 4 31 14

ICICI PRUDENTIAL 13 12 23 2

35 30 25 20 15 10 5 0 LIQUIDITY SECURITY LIC RLIC 3-D Column 3

Above bar chart shows that people think as far as Liquidity and reputation is concerned ICICI PRUDENTIAL is better than LIC but as far as security and reliability is concerned people prefer LIC over ICICI PRUDENTIAL.

Q12) What according to you a customer expect from LIC and ICICI PRUDENTIAL ?

Option Good services Return Potential Less Risk Tax benefits

Response 20 30 30 20

Response 35 30 25 20 15 10 5 0 Good s ervices Return Potential Less Risk Tax benefit s Response

Above bar shows that people expect Return Potential and less risk from LIC and ICICI PRUDENTIAL followed by Good services and return potential.

Q13) By investing in which company do you think you will get benefit in long run?

Option LIC ICICI PRUDENTIAL

50 45 40 35 30 25 20 15 10 5 0 LIC

Response 50 % 50 %

SERIES 1

RLIC

Above bar chart shows that by investing in both LIC and ICICI PRUDENTIAL they will get benefit in long.

PRODUCT AND SERVICE PROFILE OF THE ORGANIZATION:

One sure way For An Employer To Retain His Team

Employees these days are constantly on the prowl for better opportunities. How then do you get them to focus on your job and stay committed for long tenures? Human Resources experts agree that employees work with utmost dedication when they believe their organization truly cares about their wellbeing. One way of showing your concern for your employees is to shoulder the two responsibilities they worry about most: Security of and Savings for their families. Group Insurance Plans fro ICICI Prudential enable you to effortlessly provide your employees with both, savings and security, so they can pass on the benefits to their loved ones. Your kind gesture to safeguard their familys future will undoubtedly serve as great encouragement for your employees, and they will gladly offer you their whole-hearted commitment. Top 3 Reasons why you Should Invest in ICICI Prudentials Group Insurance Plans With ICICI Prudentials Group Insurance Plans your employees get: 1Incomparable financial benefits that gurantee their safety and financial stability. 2Sound financial planning that empowers them to meet their changing financial objectives. 3Quality service initiative and transparency across all operations.

ICICI PRUDENTIAL GROUP SOLUTIONS ADVANTAGE

ICICI Prudential offers a suite of group insurance plans that provide both you and your employees with a host of benefits: 1.Group Super Annuation: this flexible plan for both, defined benefit and defined contribution, provides retirement & tax benefits applicable to an approved superannuation trust. 2.Group Gratuity Plan : this hassle-free plan enables you to effortlessely fund your statutory gratuity obligation. 3.Annuity Solutions : this suite of retirement plans enables you to provide your employees with a steady income all through their retired lives. 4.Group term insurance Plan: This insurance plan provides affordable cover to all your employees. 5.Group term insurance in lieu of EDLI: This plan is certified by Employees provident Fund Organisation (EPFO) as a superior alternative to Employee's Deposit Linked Insurance Scheme.

ICICI PRUDENTIAL GROUP ANNUATION PLAN

You have always provided your team with competitive saleries. surely you would want to assist them to save a portion of their income such that they can continue to enjoy its value even after they retire. Invest in Group Superannunation Plan a tax efficient means of retirement planning, which is applicable for both,Defined Benefit and Defined Contribution Funds. Read more about the features and benefits of this plan.

FEATURES AND BENEFITS OF GROUP ANNUNATION PLAN

Take a look ot the features and benefits of ICICI Prudential's Superannunation Plan: Multiple investment options with market-linked plans: Choose between short-term debt,debt,balanced,and growth funds depending on your financial objectives.

Greater control:Exercise greater control over your investments-choose one or more investment options mentioned above.

multiple annuity options: Choose between various annuity and open market options. portfolio transparency: manage your funds more efficetively with daily disclosures of Unit Value and regular disclosures of each fund's portfolio. switch benefit: switch between funds at any time to adjust your portfolio depending on your goals and risk profiles. Low explicit charge structure with conditions for exit specified upfront. Faster claim settlement, easier access to information and regular statements. End-to-end solution in the legal and regulatory approval process for scheme set up or transfers. GROUP GRATUITY PLAN Gratuity is a statutory benefit paid to employees who have worked in an organization for atleast five years. Under the payment of gratuity Act, 1972, your employees are eligibe for fifteen days of pay for each complected year of service. You can structure a gratuity benefit

such that it is higher than statutory requirements. ICICI Prudential's Group Gratity Plan enables you to fund your gratuity obligation in a systematic manner while enjoying applicable tax benefits at the same time. read more about the features and benefits of this plan.

FEATURES OF GROUP GRATUITY PLAN

Multiple investment options with market-linked plans:choose between shortterm debt,debt,balanced,and growth funds depending upon your financial objectives. Portfolio transparency:Manage your funds more efficiently with daily disclosures of each funds portfolio. Switch benefit:Switchbetween funds at any time to adjust your portfolio depending on your goals and risk profiles. Life insurance:Safeguard your empolyees wellbeing with a bundled life insurance cover that requires a minimul amount of underwriting. Actuarial insurance:Make a scientific estimation of your gratuity liability. Low explicit charge structure With conditions for exit specified upfront. faster claim settlement,easier access to information and regular statements. End to end solution in the legal and regulatory approval process for scheme set up or transfers. Employer Benefits: Deductions:Enjoy a deduction on your annual contribution up to 8.33% of salery bills in a

financial year,for the purpose of computation of profits and gains of business. Tax benefits:Enjoy tax benefits on your contribution towards past service liabilities,as per IT rules and regulations. Employee Benefits: Tax benefits:Employees enjoy tax exemptions on gratuity of up to Rs.3,50,000 under Sec.10(10)as per IT rules and regulations.

ANNUTY SOLUTIONS
your loyal employees have untiringly dedicated several years of their lives to you nand your company's success. You would undoubtedly want them to live contently when they retire from their service. Invest in ICICI Prudential's Annuity Solutions-a suite of 7 plans espicially designed to give your employees high returns, which serve as a steady income for their golden ye ar.

FEATURES AND BENEFITS OF ANNUITY SOLUTIONS

Wide range of 7 annuity plans:Select one that best meets your employees requirements. 4 withdrawl options:Your employees can choose to withdraw their annuity payout in monthly,quartely,bi-annual installments. Guranteed annuity rates:Your employees receive guranteed amounts, for life Minimum age of entry:45 years maximum age of entry:80 years

GROUP TERM INSURANCE PLAN

As a compassionate employer who regards your team as your most precious assets, you would undoubtedly want to safeguard their wellbeing, at all times.

Invest in ICICI Prudential's Group Term Insurance Plan-a ne-year renewable life insurance policy that enables you to provide every member of your team with an affordable life cover. Read more about the features and benefits of this plan,right away.

Features and Benefits of Group term Insurance Plan

one master poliy covers all the proposed empolyees in your group-which should comprise a minimum of 25 members. New members can join the group and current members can leave at any time during the policy term. Cover can be extended to all employees between 18 and 70 years of age. Cover is calculated uniformly, or basedon designation or rank, or as a multiple of salery, or against outstanding loan amount. Premiums you pay are treated as a business expensein the year of payment. Employees enjoy greater convenience with relaxed underwriting and medical requirements. 'Free Cover Limits' with simplified underwritingdepending on the number of employees in your group and the level of cover you choose. Employees are additionally covered with an Accident and Disability benefit Rider and Critical Illness cover. Group members' nominees receive the entire benefit should something happen to your member.

GROUP TERM IN LIEU OF EDLI SCHEME

As an employer eligible under the employee's Provident Fund and Miscellaneous Provision Act,1952, you have a statutory liability to subscribe to Employees Deposit Linker Insurance Scheme, 1976, to provide all your employees with the benefit of Life Insurance. Under Sec.17 (2A) of the Act, you may be exempted from subscribing to this scheme ,if you

have provided for better insurance benefits than the cover offered by Employee Provident Fund Organization(EPFO)through a life insurer. ICICI Prudential's Group Insurance Scheme in lieu of EDLI has been certified by the EPFO as a superior product that provides greater insurance benefits than the cover offered by EPFO. Read more about the features and benefits of this plan, right away.

Features and Benefits of Group Term in Lieu of Edli Scheme

Employer benefits Premiums you pay are usually less than the total contribution you pay to R.P.F.C particularly when your team comprises young employees who earn high saleries. Premiumsyou pay are treated as normal business expenses under Sec.37 of IT Act,1962 for Income Tax Purposees. Your claims are settled quickly, without you nneeding to go through several cumbersome procedures. Employee Benefits Each mployee is covered for a Sum Assured between Rs.65,000 and Rs.1 lakh depending on their current salery and service put in from the day they join, irrespective of the actual balance in the Provident Fund.Alternatively every employee/worker can be covered for a uniform sum assured of Rs.65,000. Claim amounts are exempt from taxes under Sec.10(10)(d)of IT Act, 1962. ICICI prudential has a wide array of insurance plans that have been designed with the philosophy that different individuals are bound to have differing insurance needs. The ideal insurance plan is one that addresses the exact insurance needs of the individual that will depend on the age and life stage of the individual apart from a hst of other factors.

life Insurance Plans: Under Life Insurance Plans, ICICI Prudential offers plans under the following major need categories:

Education Insurance Plans Wealth Creation Plans Premium Gurantee Plans Protection Plans Retirement Solutions: The primary objective of a retirement plan is to help you provide for your financial needs in your post retirement years. Click here to know more about our retirement solutions. Forever Life Life Time Super pension LifeLink Super Pension Health product Suite: Under Health Product suite, ICICI Prudential offers plans under the following major need categories: Health Assure Health Assure Plus Hospital Care Cancer Care Cancer Care Plus Diabetes Care

Diabetes Care plus

PRODUCTS AND SERVICE PROFILE OF THE ORGANIZATION COMPETITORS

Insurance Products of Kotak Mahindra
Individual Kotak Long Life Secure Plus Kotak Long Life Wealth Plus Kotak Smart Advantage Kotak Eternal Life Plans KotakPlatinum Advantage Plans Kotak Headstart Child Plans Kotak Sukhi Jeevan Plan Kotak Privileged Assurance Plan Kotak Term/Preferred Term Plan Kotak Money Back Plan Kotak Child Advantage Plan Kotak endowment Plan Kotak Capital Multiplier Plan Kotak Retirement Income Plan Kotak Retirement Income plan(unit linked) KotakSafe Investment Plan II

Kotak Flexi Plan Kotak Easy Growth Plan Kotak Premium return Plan Riders Group Employee Benefits Kotak Term Grouplan Kotak Credit-Term Grouplan Kotak Complete cover Grouplan KotakGratuity Grouplan Kotak Superannuation Grouplan Rural Kotak Gramin Bima Yojana

MARKET PROFILE OF THE ORGANIZATION

ICICI Prudential is currently the No. 1 private life insurer in the country. For the financial year ended march 31,2005, the company garnered Rs.1584 crore of new business premium for a total sum assured of Rs.13,780 crore and wrote nearly 615,000 policies. ICICI Prudential Life Insurance Company is a joint venture between ICICI Bank, a premier financial powerhouse, and Prudential plc, a leading international financial services group headquartered in the United Kingdom. ICICI Prudential was amongest the first private sector

insurance companies to begin operations in December 2000 after receiving approval from Insurance Regulatory Development Authority (IRDA). ICICI Prudential Life's capital stands at Rs.37.72 billion (as on March,2008) with ICICI Bank and Prudential plc holding 74% and 26%stake respectively. For the year ended March 31,2008, the company garnered Retail New Business Weighted premium of Rs.6,684 crores, registering a growth of 68% over the last year and has underwritten nearly 3 million retail policies during the period. the company has assets held over Rs.30,000 crore as on april 30,2008. ICICI Prudential Life is also the only private life insurer in India to receive a Nation Insurer Financial strength rating AAA (ind)from Fitch ratings. The AAA (ind) is the highest rating, and is a clear assurance of ICICI Prudential's ability to meet its obligations to customers at the time of maturity or claims. For the past seven years,ICICI Prudential Life has retained its leadership position in the life insurance industry with a wide range of flexible products that meets the needs of the Indian customer at every step in life. DISTRIBUTION ICICI Prudential Life has one of the largest distribution networks amongest private life insurers in India. It has a strong presence across India with over 954 branches in addition to 1,015 micro-offices and advisor base over 296,000 (as on April 30,2008). The company has 21 bancassurance partners having tie-ups with ICICI Bank, Bank of India, Federal Bank, South Indian Bank,Shamrao Vitthal Co-op Bank, Jalgaon Peoples Co-op Bank, Ernakulam District Co-op Bank,Idukki District Co-op Bank,Ratnagiri Sindhudurg Gramin Bank, Solapur Gramin Bank, Wainganga Kshetriya Gramin Bank, Aryawat Gramin Bank, Jharkhand gramin Bank, Narmada Malwa Gramin Bank, Baitarani Gramya Bank, Ratnagiri

District Central Co-op Bank, Seva Vikas Co-op Bank, Sangli Urban Co-op Bank, Baramati Co-operative bank, Ballia Kshetriya Co-operative Bank, The haryana State Co-operative Bank and Imphal Urban CooperativeBank Ltd.

chapter -3 STUDENT'S WORK PROFILE (ROLE AND RESPONSIBILITEIS)

I completed my training at ICICI Prudential. I knew about company's products awareness in kanpur, company's corporate structure, functioning and working environment. I got a experience of sales of life insurance plans. Iknew the customer perception about the ICICI Prudential's Plans and services provided by ICICI Prudential and other schemes etc,which attracts the customers. At ICICI Prudential, I worked as a Insurance Advisor, I was responsible forSales of ICICI Prudential Life Insurance Plans. solving & Satisfying the customers problems. sales promotion activities. convincing the customers by giving them suitable life insurance plan. In the company , my work was to spread awareness of life insurance Plans of ICICI Prudential. I increased the sales of life insurance products of ICICI prudential by satisfying that customers. DESCRIPTION OF LIFE EXPERIENCE: During my training at ICICI Prudential, I experienced so many live experience, one of them I want to mention to mention i n this training report. in my training i faced so many customers ,

one day i faced a customer. he never took any life insurance poicy. he was not agree to talk me , and he behaved me very rudely .But I did not lose my patient . After 5 minutes to tell details of good life insurance plans. I described him some plans , benefits,about ICICI Prudential, risk coverage and other some thing , which were related to plans . after my presentation that man turned his perception and attitude both. He became intrested in the life insurance plans . he took a plan and deposited its premium. it was my memorable achievement.

Students Contribution to organization:

As i explained earlier that training is a part of my coarse so it was necessary for all of us to do the training in organization. I also went to ICICI Prudential Life Insurance Ltd. for the training . i got live experience, healthy relationship with customers. I put my knowledge and intelligrence to goin professional experience.On the job training makes perfect manageement students. with on the job training management education is incomplete . After my training at ICICI Prudential I understood that on the job training is a very crucial part of any management programme.

Chapter 4
Summary of learning Experience:
In this job I learned, how you should force other people for listening to you? How to face criticizes? Which kind of situations you might face while selling of life insurance plans. I learned that I should be fully confident with our product, only then we would be able to sell our product because, if I am not sure about our product, then I will not have authority i9n

my voice and other people will not listen to me. At ICICI Prudential, I learned so much. I learned customer dealing, marketing and so many aspects come in practical training. At ICICI, I learned so many things; I got professional experience, which can not be gained with practical job. ICICI Prudential is market leader private company. There are so many things, which can not be learned by theory, live customer dealing; marketing and so many aspects come in practical training. At ICICI Prudential, I learned so many things; I got professional experience, which can not be gained with practical job. Real customer dealing gives a confidence and maturity, without this today it is very typical to survive in any company in present scenario.

OBSERVATIONS AND RECOMMENDATIONS:

I conclude in this study that almost respondents are well aware with ICICI Prudential Life Insurance and its products. I also conclude the strategies used by ICICI Prudential, Companys functioning, management, corporate structure and other things are also discussed, which affect the overall performance of the company. In this study, brand awareness of ICICI Prudential is also assessed, it is very important factor. Every company wants to aware its brand to pubic. Companies use different types of marketing and advertising campaign to increase their brand awareness. Possibly the Indian Insurance Market is one of the fastest growing markets in India, it can help to fulfill the basic objective of deeper insurance penetration in the country. The commitment of the new joint ventures to the development of the insurance business in India as a long term strategy will really results in the growth of the economy. ICICI Bank has very large setup and

infrastructure, this is a plus point with ICICI Prudential. By using this, ICICI Prudential can be a leading player of the Indian insurance market. ICICI Prudential is a leading player of private segment. In the case of customer satisfaction, ICICI Prudential is competing w3ith other players like Tata AIG,Aviva life Insurance, SBI Life and others in order to capture the top spot in market share and in also customer satisfaction level.

RECOMMENDATIONS
1Company should plan strategic marketing and advertising compaign. 2Company should take the customer in confidence, because insurance is a thing of belief. 3ICICI Prudential should improve its service quality levels. 4ICICI Prudential should give more interest than other companies.

QUESTIONNAIRE
1. ARE YOU EMPLOYED? YES NO

If YES, only then proceed

2. DO YOU HAVE ANY INSURANCE POLICY?

YES

NO

3. WHICH INSURANCE POLICY DO YOU HAVE?

LIFE
4. WHICH

NON-LIFE POLICY YOU

BOTH PREFER THE MOST?

COS INSURANCE (RANK THEM) LIC ICICIPRUDENTIAL SBI LIFE INSURANCE ING VYSYA LIFE RELIANCE LIFE INSURANCE TATA AIG LIFE ANY OTHER

a) b) c) d) e) f) g)

________( Specify)

5. FOR HOW MANY YEARS DO YOU HAVE INSURANCE POLICY?

(Please

Tick) a) <5Yrs b) 5-10 Yrs c) 10-15 Yrs d) Any Other______ (Specify) 6.WHAT DO YOU THINK ARE THE BENEFITS OF INSURANCE COVER? (RANK THEM) a) COVER FUTURE UNCERTAINITY b) TAX DEDUCTIONS c) FUTURE INVESTMENT d) ANY OTHER _________ (Specify)

7. WHICH FEATURE OF YOUR POLICY ATTRACTED YOU TO BUY IT?

(RANK THEM) a) LOW PREMIUM b) LARGER RISK COVERANCE c) MONEY BACK GUARNTEE d) REPUTATION OF COMPANY e) EASY ACCESS TO AGENTS f) ANY OTHER
8.

_________ (Specify)

YOUR MONTHLY INCOME? a)<4k b)4k-8k c)8k-12k d)12k-16k e)Other_____(Specify)

9.

DO YOU REALLY THINK INSURANCE POLICY COVER IN TODAYS SCENARIO IS NOT ESSENTIAL?
_____________________________________________________

10.

WHATS YOUR PERCEPTION ABOUT INSURANCE? (RANK THEM) a) A SAVING TOOL b) A TAX SAVING DEVICE c) A TOOL TO PROTECT FUTURE

11.

HOW HAS/WOULD YOU BOUGHT/BUY AN INSURANCE? a) CUSTOMER APPROCHED INSURANCE COs b) INSURANCE COs APPROCHED CUSTOMER

12.

ARE YOU SATISFIED WITH THE POLICY? a) SATISFIED SAVING TOOL b) NOT SATISFIED c) NOT RESPONDING

13.

ARE YOU SATISFIED WITH THE SERVICE AGENT? a) SATISFIED SAVING TOOL b) NOT SATISFIED c) NOT RESPONDING

14

DO YOU PAY TAXES? YES NO

15.

WHERE HAVE YOU INVESTED FOR TAX SAVING? (RANK THEM) a) LIC b) NSC c) BONDS d) PPF e) PF f) EPF g) ICICI PRUDENTIAL

16.

Any other valuable suggestion to company for improving companys functioning.

..................... ...................................................................... NAME:_________________________ ADDRESS:______________________ OCCUPATION:___________________

BIBLIOGRAPHY
BOOKS AND JOURNALS

* *

Research Methodology: Marketing management

C.R. Kothari Edition Philip Kotler

SEARCH ENGINES
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MAGAZINES
India Today Editor in chief Aroon Purie Chief Executive Editor Ashish Bagga Edito Prabhu Chawla

Price 25.00 Pg. 42 Aug., 2008

WEBSITES
* WWW.icicibank.com * WWW.icicipurlife.com