AWARENESS OF BAJAJ CAPITAL AND ITS

SERVICES
IN

Always acting in your interest (%)

UNDER THE GUIDANCE OF

ASHUTOSH VATSA

Mr. DHERANDRA KUMAR

(7671008)
(Product Executive G.I) B.B.A 5th
SEMESTER
Branch office Luck now

UNI TY DE GR EE C OLLE GE
HARDO I ROAD, LUCKN OW

CONTENT
ACKNOWLEDGEMENT
PREFACE
WHY I CHOSEN BAJAJ CAPITAL FOR MY SUMMER
TRANNING
WHY I CHOSEN FINANCE
ABOUT MY PROJECT
CASE STUDY
CONCLUSION AND FINDINGS

ACKNOWLEDGEMENT
I am greatly thank full to Mr. Ajay Kumar
srivastavahead of department BBA Unity degree
college , and other faculty members of BBA of
unity degree college, who has always given me
inspiration ,support and timely guidance.
It has been my great fortune to learn in Bajaj
capital, which is a major financing sector in India. I
am indebted to Mr.Dherendra Kumar area manager
of Bajaj capital to give me a chance of learning in
such a reputed organization.
The whole credit goes to Ashuinil Singh under
whose supervision and guidance. I successfully
completed my project and learned several aspect
of finance.
I got a number of ideas and inspiration from
I am very thankful tall off them to provide me
timely guidance, cooperation and very pleasant
working atmosphere.

PREFACE
The significance of financial organizations and
their roles in Indies national development need no
emphasis .finance forms core any business
organization.
With out it no organization can run
successfully. The success and failure of any
organization wholly depends upon its financial
position and financial structure. Besides company,
finance is equally important in the lives of human
beings as well.
Bajaj capital provides an opportunity to people to
achieve their goals and fulfill their dreams.

WHY I CHOSE FINANCE AS SPECILISATION

Finance is one of the fundamental languages of
business. This offers a great opportunity to gain
practical experiences of working on corporate
financial consulting.
Now aim looking forward to peruse M B an in
finance so that it might open door in international
banking.
It helps to provide qualitative and quantitative
concentration of coerces leading to corporate
WHY I CHOSEN BAJAJ CAPITAL FOR MY SUMMER
TRANING PROJECT
The Bajaj capital is today a respected name in
India due to their superior work culture, good will
and value.

GENERAL REASONS
*Bajaj capital always value talented people,
knowledgeand quality people because they
believe that only a satisfied people can make
growth of any organization.
*Bajaj capital has been established on the basis of
trust and good will among the company and
workers.
*Bajaj capital always encourages talented and
laborious people by award and incentives.
*Bajaj capital always focuses on performance and
work.
*they have a big pool of talented professionals
including CAs ,MBAs,CFPs and many others which
provides good opportunity to interact and learn
from such talented professionals.
*the organization organizes skill building
workshops and advancetraning from time to time.
This gives a person an opportunity to develop his
personality by improving his leadership,
communication skills and many other skills.
*they have a big pool of talented professionals
including CAs ,MBAs,CFPs and many others which
provides good opportunity to interact and learn
from such talented professionals.
*the organization organizes skill building
workshops and advancetraning from time to time.
This gives a person an opportunity to develop his
personality by improving his leadership,
communication skills and many other skills.

*they have a big pool of talented professionals

including CAs ,MBAs,CFPs and many others which
provides good opportunity to interact and learn
from such talented professionals.
*the organization organizes skill building
workshops and advancetraning from time to time.
This gives a person an opportunity to develop his
personality by improving his leadership,
communication skills and many other skills.
It is an organization, which gives a pleasant smile
of satisfaction on the faces of their clients .this in
turn encourages the management to work more
enthusiastically.
*They believe in healthy living so all of their offices
are no smoking areas.
 PROFESSIONAL REASONS
They deal with large verity of financial products of
many of reputed companies like SBI, ICICI, HDFC,
LIC, and UTI……………………………………….
So I got a chance to learn about all of them in
order to increase knowledge.
They have an open door policy so one is easily
able to meet higher level ofmanagement.

They have several products and schemes like

mutual fund, insurance, financial planning,
systematic investment planning.
 ORGANISATION HISTORY
Bajaj capital is one of Indies leading investment
advisory and financial planning companies and
Indians largest distributors of financial products
such as mutualfund, life and general insurance,
bondspost office schemes etc. offered by reputed
private and government organization.
Bajaj capital offers personalized investment
advisory and financial planning services to
individual investors, corporate houses, institutional
investors, non-resident Indians (NRIs) and high net
worth client and others.
Over four decades, Bajaj capital have been helping
people realizetheir aspiration by helping them
making their wealth grow, and plan their financial
lives.millons of investors reach their financial goals
and live fuller richer and more satisfied lives.
Bajaj capital is one of Indies leading financial
services companies offering free advice
investment, insurance, tax saving, retirement
planning .

The History of Bajaj Capital

Bajaj Capital has contributed to the growth of the

Indian Capital Market at every step.
In 1965, we were the first to innovate the
Companies Fixed Deposit. Today, we are playing an
active role in the growth of the Indian Mutual Fund
industry.
We are also working closely with private insurance
companies to deepen India's insurance market.
Here is a brief gist of our journey through the
years.
1964
Bajaj Capital sets up its first Investment Centre„¢
in New Delhi to guide individual investors on
where, when and how to invest.

India's first Mutual Fund, Unit Trust of India (UTI) is

incorporated in the same year.

1965
Bajaj Capital is incorporated as a Company. In the
same year, the company introduces an innovative
financial instrument –the Company Fixed
Deposit. EIL Ltd. (Oberon Hotels, then known as
Associated Hotels of India Ltd.) becomes the first
company to raise resources through Company
Fixed Deposits.

1966
Bajaj Capital expands its product range to include
all UTI schemes and Government saving schemes
in addition to Company Fixed Deposits.

1969
Bajaj Capital manages its first Equity issue
(through an associate company) of Grayer & Wells
India Ltd.; right from drafting the prospectus to
marketing the issue.

1975
Bajaj Capital starts offering 'need-based'
investment advice to investors, which would later
be known as 'Financial Planning' in the investment
world.

1981
SAIL becomes the first government company to
accept deposits, followed by IOC, BHEL, BPCL,
HPCL and others; thus opening the floodgates for
growth of retail investment market in India.

Bajaj Capital plays an active role in all the

schemes as 'Principal Brokers'

1986
Public Sector Undertakings (PSUs) begin making
public issues of bonds MTNL, NHPC, IRFC offer a
series of Bond Issues. Bajaj Capital is among the
top ranks of resource mobilizes.
1987
SBI leads the launch of Public Sector Mutual Funds
in India. Bajaj Capital plays a significant role in
fund mobilization for all these players.

1991
SBI issues India Development Bonds for NRIs. Bajaj
Capital becomes the top mobilize with collections
of over US $20 million.

1993
The first private sector Mutual Fund –Kothari
Pioneer –is launched, followed by Birla and
Alliance in the following years. Bajaj Capital plays
an active role and is ranked among the top
mobilizes for all these schemes.

1995
IDBI and ICICI begin issuing their series of Bonds
for retail investors. Bajaj Capital is the co-manager
in all these offerings and consistently ranks among
the top five mobilizes on an all-India basis.

1997
Private sector players lead the revival of Mutual
Funds in India through Open-ended Debt schemes.
Bajaj Capital consolidates its position as India's
largest retail distributor of Mutual Funds.

1999
Bajaj Capital begins marketing Life and General
Insurance products of LIC and GIC (through
associate firms) in anticipation of opening up of
the Insurance Sector. Bajaj Capital achieves the
milestone of becoming the top 'Pension Scheme'
seller in India and launches marketing of GIC's
Health Insurance schemes.
2000
Bajaj Capital implements its vision of being a 'One-
stop Financial Supermarket.' The Company offers
all kinds of financial products, including the entire
range of investment and insurance products
through its Investment Centers. Bajaj Capital offers
'full-service merchant banking' including
structuring, management and marketing of Capital
issues. Bajaj Capital reinvents 'Financial Planning'
in its international sense and upgrades its entire
team of Investment Experts into Financial
Planners.
2002
The Company focuses on creating investor
awareness for Financial Planning and need-based
investing. To achieve this goal, the company
introduced the International College of Financial
Planning. The graduates of this institute become
Certified Financial Planners (CFPs), a coveted
professional qualification.
2004
Bajaj Capital obtains the All India Insurance
Broking License. Simultaneously, a series of wealth
creation seminars are launched all over the
country, making Bajaj Capital a household name.

2005
Bajaj Capital launches 360° Financial Planning, a
software-based programmed aimed at
encouraging scientific and holistic investing.
2007
Bajaj Capital launches Stock Broking and
Depository (Demit) Services.
2008
Bajaj Capital launches Just Trade, an online
Platform for investing in Equities, Mutual Funds,
IPO's
 BAJAJ CAPITAL WITH THEIR CIENTS
Bajaj capital is achieving great success in order to
provide reliable, useful, efficient
financialservices.It IS THEIR CONTINIOUS
ENDEAVOUR TO BE A TRUST WORTHYADVISOR TO
THEIR CLIENTS, HELPING THEM ACHIVE THEIR
FINANCIAL GOALS.
*Bajaj capital provides services to their clients with
utmost dedication and integrity so that they
exceed their expectations and build enduring
relationships.
*Bajaj capital offer unparallel quality of services
through complete knowledge of products, constant
innovation in services and use of the latest
technology.
*Bajaj capital always gives honest and unbiased
financial advice.
*one of its aims is to serve the community by
educating individuals on the merits of financial
planning and in turn help in shaping a financially
strong society.
*Bajaj capital ensures profitable growth for all
stockholders.
 SERVICES OF BAJAJ CAPITAL
They are SEBI approved merchant banker,
investment advisory and financial planer. They
have a track record of ethical dealing for last, 40
years and have had the honors of helping millions
of investor achieve their life’s financial goal.
Bajaj capital is acting like a super market of
financial products. They offer a comprehensive
range of services, which will help in achieving life’s
goal, all under one roof. Bajaj capital offers a
variety of services to their clients like:
➢ INSURANCE
➢ INVESTMENT
➢ MUTUAL FUND
➢ FINANCIAL ADVISORY
➢ SYSTAMATIC INVESTMENT PLANNING
➢ FINANCIAL PLANING
➢ COMPANY FIX DEPOSITS
➢ BOND PENSION SCHEMES
➢ POST OFFICE SCHEMES
➢ HOUSING LOANS INITIAL PUBLIK OFFER
➢ NRI SCHEMES
➢ CAR INSURANCE
BAJAJ CAPITAL, S VALUE ADDED SERVICES

Bajaj capital offers comprehensive range of

services including financial planning and
invests mint advice, and entire gamut of
financial instruments and investment products
of almost all major companies, both public and
private. In addition, we also provide
investment assistance by helping you
complete all the formalities, and help you keep
regular track of your investments.

➢ REGULAR INFORMATION UPDATE--- They

keeps us updated on the latest
opportunities in the world of investments.
➢ NEED BASED ADVICE---Their advice is all
“need based”. They give customized
advice only after understanding ones
financial goals, risk tolerance and other
priorities in life.
➢ RESEARCH BASED ADVICE---Their
professional research team will help one
with advice that is thoroughly based on
analysis of market dynamics, government
policies and close monitoring of global
developments.
➢ FREE! INVESTMENT HEALTH CHECK---
They help one to achieve his financial
goals by assessing his risk tolerance level
and recommending to him a suitable asset
allocation model for his investments.
➢ DOOR-TO-DOOR SERVICE---They have vast
network of branches all over India,
helpingone to get services at his door step.
➢ REGULAR INFORMATION---Through their in
houses publications like Bajaj capital
investors India, Investors outlook,
investment, s select list and others, they
keep one updated on the latest
opportunities in the world of investments.
➢ ACCESSIBILITY---They has branches spread
nation wide, covering all-important Indian
cities almost every nook and corner of the
country.
➢ TAILOR MADE SOLUTIONS---One gets easy
transactions and tailor-made solutions
through their, investment centers even at
the tinkle of phone.
➢ SPECILISATION IN ALL CLIENT SEGMENTS---
They offers financial planning for
housewifes,celebrities,players,
doctors,architects,professionals,ambassors
,army officers and the likes.
➢ 24 HOURS AVILABILITY---Bajajcapital is
available to one ,24 hours a day on their
website,WWW.Bajajcapital.com

360° FINANCIAL PLANNING

 PLANNING360° FINANCIAL
360° financial planning is a concepts, which help
an individual to fulfill his dreams i.e. an individual
can achieve his short term and long term financial
goals successfully by planned way of investment.
360° financial planning is a unique software- based
simulation that takes a holistic view of your life-
long financial needs and charts personalized
investment strategy to help you meet them.
Broadly, it involves:
*identifying current financial status listening and
prioritizing goals, creating a sound investment
plan to achieve them.
*monitoring the plant facilitates swift corrective
action, if needed.
360 financial planning is based on the premise that
every individual has certain basic financial needs
that are expressed at various stages of life (getting
married, buying assets like home, vehicles, or
providing for your children’s education and
wedding). With help of 360 financial planning
individuals can achieve all these goals.
 NEED OF FINANCIAL PLANNING
Financial planning is becoming increasingly
popular in developed countries all over the world.
People may have many dreams, needs, desires.
For example…………….
Owning a new car, buying a dream house,
providing your children’s with the best education,
planning grand wedding for your children, having
great time after retirement.
But in today’s world of skyrocketing costs and
increasing inflation, how many of these dreams
turn in to reality? By planning well we can utilize
our limited resources to the fullest.
360° financial helps to see the big picture and
invest for specific long-term and short-term goals
well in time. But it its necessary that our dreams
are reliable realistic, proven. Bajaj capitals 360°
financial planning could make up help to all those
who wish to lead a worry-free, financially secure
life.

HOW WILL 360° FINANCIAL PLANNING HEALP?

Instead of inventing in an ad-hoc manner, 360°
financial planning helps individual take a holistic,
all-round view. Briefly, 360° financial planning
covers six major areas.
INVESTMENT PLANNING: To make wealth grow.
CASH FLOW PLANNING: To provide for assets and
meet the other periodic cash requirements.
TAX PLANNING: To save the tax and increase the
income.
INSURANCE PLANNING: Foe the purpose of
protection.
CHILDREN, S FUTURE PLANNING: To give children’s
a financially secure life.
RETIREMENT PLANNING: Because retirement is the
time to get relaxed not to get worried.
 PROCESS OF FINNANCIAL
PLANNING
The process begins with identifying needs with the
help of need analysis form (known as “valued
client form”). Financial planners then use the
especially created 360°planning software to
generate a personalized snapshot gives a graphic
account of all your financial requirements, at every
stage of your future life. Based on snapshot,
expert workout an investment strategy. Once
implemented experts keep regular track of
investments.
RETIREMENT PLANNING
 RETIREMENT PLANNING
Retirement is the reality of every working person.
Most working people today think retirement as a
distance reality.
However, its important to plan for post retirement
life if he wishes a retain financial independence
and maintain comfortable standard of living even
when there is no earning anylonger .this is
extremely important because unlike developed
nations India does not have a social security net.
Retirement planning acquires added importance
because of the fact that though longevity has
increased, the number of years haven’t.

RETIREMENT PLANNING SERVICES INVOLVES:

➢ Computing the amount that would be
required after retirement. This is done after
taking inflation and time value of money
into account.
➢ Building retirement corpus using
systematic investment plans (SIP, s) and
other long term growth oriented products.
➢ Ensuring adequate post –retirement
income through safe investments.
TAX PLANNING
 TAX PLANNING
Proper tax planning is basic duty of every person,
which should be carried out religiously. Basically
there are three steps in tax planning exercise.
These three steps in tax planning are:
1: calulate taxable income under all heads i.e..,
Income firm salary, house property,
business & profession, capital gains and
income from other sources.
2: calculate tax payable on gross taxable
income for whole financial year (i.e.., from
1st apparel to 31st march) using a simple
tax rate table.
3: after calculating the amount for tax
libility, one has two options to choose
from:
 ➢ Pay your tax(no tax planning required)
➢ Minimize your tax through prudent tax
planning.

Most people rightly choose second option. Here

vane has to compare the advantages of several
taxes saving schemes and depending upon age,
social liabilities, tax slabs and personal
preferences, decide upon a right mix of
investments, which shall reduce tax liability to zero
or to the minimum possible value.
Every citizen has they right to availall the tax
incentives provided by the government .therefore
,prudent tax planning not only the income tax
liability is reduced but also a better future is
insured due to compulsory savings in highly safe
government schemes. Bajaj capital
sociablyadvices all clients to plan their
investments in such away , that that the post-tax
yield is the highest possible keeping in view the
basic parameters of safety and liquidity .

CASH FLOW
PLANNING
 CASH FLOW PLANNING
I simple terms cash flow refers ton the in flow and
out flow of money. It is a record of income and
expenses. Though this sound simple very few
people very few people actually take time out to
find out what comes in and what goes out of their
hands each month.
Cash flow planning refers to the process of
identifying the major expenditures in the future
(both short-tern and long-tern) and making
planned investments so that the required amount
is accumulated within the required time frame.
Cash flow loaningis the first thing that should be
done prior to starting an investment exercise,
because only then will one be in a position to
know how his/ her finances look like ,and what is it
that one can invest in without causing a strain .
So it does not only involve looking at future cash
flows but also involves cash flow for one as on
date , and one will realize that he/she could have a
potential savings amount within each month of
working life .this is the amount that one should
look at saving for meeting your financial goals. The
best way of doing this is to have a personal
budget.
Cash flow plans are commonly used by business
houses. Without amiable cash flow plan, a
company could easily spend more than its
revenue, putting it in peril. Unfortunately, most of
us realize that a cash flow plan is as important for
people like us as well. The principles that apply to
corporate finance and to our personal lives are
largely the same.
There has never been a bigger need than today
for families and individuals to work out cash flow
plans without proper cash flow planning one
couldeasily get caught in the debt trap of course
,it goes without saying that creating a plan is not
enough . One also needs to implement the plan,
besides bringing about a change in the spending
habits.
Cash flow plan brings one face-to-face with what
one should ideally be saving, and investing in a
systematic and regular manner and what would it
mean to one to withdraw from portfolio after
couple of years. It brings down in number s what
your financial future has in store, and gives crystal
clear view (as much as is possible with inflation
and the interest rate scenario).
CHILDREN, S FUTURE
PLANNING
CHILDREN, S FUTURE PLANNING
LIKE EVERY PARENT MUST BE OVERJOYED TO
WATCH CHILD GROW. ALL PARENTS WANT TO GIVE
THE BEST POSSIBLE UPBRINGING TO THEIR
CHILDREN. THIS INCLUDES GOOD EDUCATION AND
SECURITY, IN CASE OF ANY EVENTUALITY.
The purpose of children’s future planning is to
create a corpus for foreseeable expenditures such
as those on higher education and weeding, and to
provide for an adequate security cover during their
growing years .children’s future planning acquires
added importance because children’s education
and weeding are high priority life goals, which can
not be postponed nor can there beck a possibility
of compromise on the amount.
Good education has always been passport to a
secure future. Today, career opportunities have
grown manifold, and there are many professional
courses that your child can aspire for. However,
higher costs of education have also increased
exponentially.
All most parents might be saving regularly to
ensure safe tomorrow for their child. However,
savings alone is no longer enough, for ensuring
adequate funding of your child doss education, one
as a parent, need to do two things:
➢ Invest appropriate amount systematically
and at regular intervals
➢ Provide for a financial blanket to cover any
eventuality
It’s never too early to start saving and investing
for urn Childs future especially today, context. For
example the cost of professional degree today is
approximately Rs.2.5 laky. if child is one year old
today , after 17 years when he/she goes to
college , one may require sum of 6.3lakh ,
assuming an annual rate of inflation of 6% .
there are many products , which your financial
planner can use to achievethe above objectives
.for example ,he could suggest a children’s future
plan offeredby any good insurance company ,to
build up a corpus for your security Childs higher
education , and provide for a security cover in the
event of the Parent ,s unfortunate demise .
Children’s plans are also available under unit-link
end option .being unit-linked, they offer access to
investments in all kinds of assets classes – equity,
debit and cash.
INVESTMENT PLANNING
 INVESTMENT PLANNING
Every one needs to save for future. When person
saved enough to take care of emergencies, one
should start thinking about investing and to make
their money grow. We can help you plan your
investments so that you can reap adequate
benefits and achieve your financial goals.
Invest mints means putting your money to work to
earn more money. done wisely ,it vanhelp you
meet you financial goals like buying a new house,
paying for collegeeducation of your children , of
your enjoying a comfortable retirement, or
whatever is important to you.
You don’t have to be wealthy to be an investor.
Investing even a small amount can produce
considerable rewards over the long-term,
especially if you do it regularly. But you need to
decide about how much you want to invest and
where. Both choose wisely, you need to know
investment options thoroughly and there relative
risk exposures.
Investment planning is necessary for one who
wishes to achieve any financial goal. You have to
plan your limited resources to avail the maximum
benefits out of them .you should plan your
investment to fulfill major needs like:
*creating wealth over a long term
*acquiring assets like dream house or dream car
*fulfilling your need for financial security
Thus, investment planning is nothing but a holistic
approach to meet your life’s goals.
 INVESTMENT STRATGIES
You can make your own investment picking
approach or adopt one after consulting financial
experts or investment advisors. Whatever method
you use, keep in mind the importance of
diversification, or verity in your investment
portfolio and need for a strategy, or a plan, to
guide your choices.
INVESTMENT APPROACHES
The options you choose it put your money in;
reflect the investment strategy you are using –
whether you realize tin or not .most people adopt
following approaches:
Conservative
The investors take only limited risk by
concentrating on secure, fixed income investment
etc.
Moderate
Such investors take moderate risk by investing in
mutual funds, bonds select blue-chip equity shares
etc...

Aggressive
These are investors who take major risks on
investments in order to have high returns (above
average) like speculative or unpridictibleequity
shares, etc...
As a matter of fact , the invest mint approachof an
investor is directly linked to his or her ability to
shoulder risk .the ability to take risks depends
largely on personal circumstances and factors like
age ,past experiences with investing , level of
responsibility ,etc.
INVESTMENTPLANNING SERVICE INCLUDES:
*RISK PROFILING
*ASSET ALLOCATION AND PORTFOLIO
CONSTRUCTION
*CREATION AND ACCUMULATION OF WEALTH
THREOUGH SYSTAMATIC INVESTMENT PLANS
*REGULAR REVIEW OF PROGRESS AND PORTFOLIO
REBALANCING
Essentially, investment planning involves
identifying your financial goals through out your
life, and prioritizing them .investment planning is
important because it helps to derive the maximum
benefit from your investments. Success as an
investor depends upon ability it chooses the right
investment option. this depends on
requirements ,needs and goals for most
investors , how ever the three prime criteria of
evaluating any investment option are liquidity,
safety and return .
Invest mint planning also helps to decide upon the
rite investment strategy .besides individual
requirement; investment strategy would also
depend upon age, personal circumstances and risk
appetite. These aspects are typically taken care of
during investment planning.
Investment planning also helps to strike a balance
between risk and return by prudent planning; it’s
possible to arrive at an optimal mix of risks and
returns that suits particular needs and
requirements.

Insurance planning
 INSUERANCE PLANNING
“Insurance is not for the person who passes away,
it’s for those who survive “goes a popular saying
that explains the insurance planning
It is extremely important that every person
especially the breadwinner covers his risk it his
life, so that his families lifestyle doesn’t undergo
any drastic change in case of any eventuality.
Insurance planning is concerned with ensuring
adequate coverage against risk. calculating the
right level of risk cover is specialized activity
,requiring cociderable expertise .proper insurance
planning can help look atpossibility of getting a
wider coverage for the same amount of premium
or the same level of coverage for reduced
premium .hence, the need for proper insurance
planning.
Insurance, simply put cover for the risk s that we
during our lives .insurance enables us to live our
lives to the fullest , without worrying about the
financial impact of events that could hamper it .in
other words , insurance protects us from
contingencies that could effect us.
So what are the risks that we run? To name few:
The risk of our lives that is , the worries of
replacement of the incomesthat we contribute
itrunning of the house holds, the risk of medical
contingencies(since they have the capability of
throwing plans of a financial nature off guard) and
risks on assets (sensethe replacement of these
can have tremendous financial implementations
at times ). If we were to conceder a situation
where any of our goals in life were to be
distributed by acts beyond our control, wewould
realize the relevance of insurance in our lives.
Insurance planning takes into account the risk s
that surround and then provides an adequate
coverage against those risks .there is no risk not
worth insuring your self against , and insurance
should first and for most be looked as a measure
to guard against risks - the risks of dreams gong
away due to events beyond your control.
 SYSTTEMATIC INVESTMENT
PLANNING
Investment means putting money to work to earn
more money. Done wisely, it can help meet
financial goals like buying anew house, paying for
a college education, enjoying a comfortable
retirement, what ever is important to you.
SYSTAMATIC APPROACH TO INVESTMENTS :(
SIP&STP)
Systematic approach towards investments is the
best way to save, accumulate and create wealth
for future. Two such strategies are systematic
investment plan (SIP) &systematic transfer plan
(STP) .Inn SIP, a fixed amount is invested in a pert
collar scheme at periodic intervals. SIP is a very
good strategy for sallied people, or those who
receives a periodic inflow of cash.
ADVANTAGES OF SIP:
➢ Savings and wealth accumulationation
➢ Inculcates disciplined habit of investing
➢ Entry at various market levels(averages
out the possible risk associated with the
equity market)
➢ Power of compounding
➢ Hassel free mechanism(one time
arrangement instructions are given at the
time of initial transaction)
➢ Investment synchronized with cash
inflows/salary if one have lump sum
amount,but don’t want to expose the
entire amount to equity at one go , then
also can make an arrangement where
some amount gets transferred to an equity
scheme from adept schemeperiodicaly
.this system is known as systematic
transfer plan.
ADVANTAGES OF STP:
➢ Saving and wealth accumulation
➢ Entry at various market levels(averages
out the possible risk associated with the
equity market)
➢ Hassel free mechanism(one time
arrangement instructions are given at the
time of initial transaction)
➢ Power of compounding
➢ Lump sum amount not sitting idle (you are
getting better –than-bank return on initial
amount) depending upon the need, cash
flow structure and investmentapproach,
one can choose either SIP or STP and
achieve financial goals.
Investment philosophy under systematic
investment planning and systematic
transfer planning:

➢ Do not invest directly in the stock market

.take the mutual funds route.
➢ Principle of Safety should be of prime
importance. So trek on controlled (risk)
approach to investments.
➢ Do not let inflation eat up money in
savings bank account. Go for superior and
stable returns.
➢ Have aloof at financial objectives and
investments should depend upon them.
➢ Take along approach to equity
investments.
➢ Diversify your investments.
➢ Do not put all your eggs in the basket.
Keep a reasonable mount of liquid cash to
meet your emergency needs.
➢ Take balanced approach to investing. Avoid
risky investments as well as an overly
cautious approach to investing.
➢ Monitor your investment once a month and
take corrective action, if recquired,
immidiatly.
➢ Do not try to time the entry and exit of
your investments.
➢ Every time is a good time if you have a
long term out look and keep infesting
regularly.
➢ Put no more then 10% of your total
investments in anew company.
The choice of best investment options for you will
depend on your personal circumstances as well as
general market conditions. For example, good
investment for long -term retirement plan may not
be a good investment for higher education
expences.in most cases, the right investment is
balance of three things:
*Liquidity
*Safety
*Return
Liquidity:
How accessible is your money? How easily an
investment can be converted in to cash, since part
of your invested money must be available to cover
financial emergencies.

Satiety:
What is the risk involved? The biggest risk is the
risk of loosing the money you have invested.
Another equally important risk is the risk of your
investment will not provide enough growth or
income to offset the impact of inflation, which
could lead to gradual increase in the cost of living
.there are additional risks as well(like decline in
economic growth. butthe biggest risk of all is not
investing at all.
Return:
What can you expect to get back on your
investment? Investment is made for the purpose of
generating returns .safe investments often
promise a specific, though limited return. Those
that involve more risk offer the opportunity to
make –or-loose a lot of money.
To large extent ,the choice of the right investment
option will also depend upon your financial goals
.for example ,if you want to invest for funding your
vacation next year ,don’t choose an investment
vehicle that has a three – year-lock in. similarly ,if
you want to invest for your daughter’s marriage
after 10 year’s, don’tinvest in one year bonds for
the next 10 years.insted choose an option that
matches your investment horizon.

BAJAJ CAPITAL’S INVESTMENT

ADVISORY SERVICES
Why do you go to doctor when you fall ill? Or, visit
an architect when you want to build your house?
It’s because they are specialists in their respective
fields.
Similarly, an investment advisor is a qualified and
experienced specialist who is capable of advising
young and managing your money
The growing complexities of the money market
and the panoramic range of financial planning and
money management an intimidating task for the
average person –that’s why you need a reliable
investment advisor and financial planner.
Bajaj capitals free invest mint advisory
services
Bajaj capital, one of India’s oldest investment
advisory organisation, offer’s you comprehensive a
scientific investment advice. With our experience
of over four decades, we are perfectly poised to
offer you the best possible investment advice.
We have qualified, trained and experienced
investment advisors who have in –depth
knowledge of the financial markets.
These investment advisors are backed by a team
of investment researchers at the Bajaj capital
center for invest mint research ,who keeps track
of every minute change in the market, every new
product and the latest investment trends.
This is what provides Bajaj capital’s investment
advisory services its cutting edge.
What’s more, Bajaj capital’s investment advisory
services are offered absolutely FREE!
And that’s not all. We also offer FREE investment
assistance – that mean no hassle either!
HOW TO ACHIVE “Life time of
investment success”?
Follow Bajaj capital’s time tested investment
philosophy:
➢ Do not invest directly in the stock market
.take the mutual funds route.
➢ Principle of Safety should be of prime
importance. So trek on controlled (risk)
approach to investments.
➢ Do not let inflation eat up money in
savings bank account. Go for superior and
stable returns.
➢ Have aloof at financial objectives and
investments should depend upon them.
➢ Take along approach to equity
investments.
➢ Diversify your investments.
➢ Do not put all your eggs in the basket.
Keep a reasonable mount of liquid cash to
meet your emergency needs.
➢ Take balanced approach to investing. Avoid
risky investments as well as an overly
cautious approach to investing.
➢ Monitor your investment once a month and
take corrective action, if recquired,
immidiatly.
➢ Do not try to time the entry and exit of
your investments.
➢ Every time is a good time to invest if you
have along term outlook and keep
investing regularly
➢ Put not more then 10% of your total
money in one company.
 ABOUT MY PROJECT
As a part of my project I have carried out market
research on awareness of public on the aspect of
their knowledge towards Bajaj capital and its
services .I provided technical knowledge of Bajaj
Capital to the public about its most popular
scheme of 360˚financial pllaning.It attracted
overwhelmingnresponce from about 150 who co-
operated with me.
Some interested persons were selected and I have
done financial planning of selected persons, I
created some clients of systematic investment
planning also.
 HOW I STARTED WORKING ON THE PROJECT
I started working on my project by keeping market
research process in mind:
Market research can be defined as “systematic
design collection analysis, and reporting of data
and finding relevant to a specific marketing
situation facing the company.
Effective marketing research involves six steps:
➢ Defining the problem and research
objective
➢ Develop a research plan
➢ Collect the information
➢ Analyzing the information
➢ Swat analysis
➢ Present the findings
➢ Make a decision
Defining the problem and research
objectives:
I was given well- defined problem of finding the
awareness of Bajaj capital and its services in ouch
bar association high court (Advocates).
Objectives of research
The objectives of my research were very clear- cut.
firstlyI was required to find out how many people
were aware of Bajaj Capital and familiar with its
services ,next was required to bring into the
knowledge of my target group about 360˚financial
planning and systematicinvestment planning .Mr.
Dharmendra Kumar and Mr. Ashuiniltrained us by
various presentations.
Developed the research plan:
Now, was required to develop the most efficient
plan for gathering the needed information
➢ Data source: My research plan involved
PRIMARY DATA COLLECTION because its
 more reliable .the procedure adopted by
me for gathering the information was
INTERVIEW METHOD; I interviewed a
desirable number of people out of my
target group. This was done to get sense
of how people feel about the topic.
➢ My research approach and
instrument: For collection of my data the
research approach undertaken by me was
SURVEY RESEARCH for this I used
questionnaire consisted of a set of ten
questions which were presented to
respondents. The questionnaire was
already prepared by Mr. Ashuinil and was
supposed to move further on given line.
➢ Sampling plan: After deciding on
research approach and instrument, I was
to design a sampling plan
➢ Segmentation: A market segment
consists of a group of customers who share
similar set of needs and wants. Any
organization dose not creates a wants. Any
organization does not create market
segment, organizations only identify the
segment and decide which one to target.
➢ My segmentation: OCCPATIONAL
SEGMENTATION
Segment: PROFESSIONALS
Sub segment: ADVOCATES
Market niche: ADVOCATES OF OUDH BAR
ASSOCIATION
➢ Sampling unit/ Target Population: Who
is to be surveyed? As given above my
sampling unit was advocates of Oudh bar
association whose income level exceeds
Rs.10, 000.
➢ Sample size: How many people should be
surveyed? As per the standard condition I
 have taken sample size of 150-200
Advocates of Oudh bar association high
court, Lucknow.

SWOT ANALYSIS
Weakness
• Inexperienced Staff
• Low awareness due to
lack of advertisement.
• Lack of loyal clientage
• Developing product.
Strength
Wide range of products and
services
41 years experience as
Investment Advisors and Financial
Planners
More than eight lakh satisfied
clients all over India
Countrywide network of 134
branches
Over 12,000 NRI clients across
the globe
Personalised wealth
management advice
24 x 7 online accessibility
through www.bajajcapital.com
Strong team of qualified and
 experienced professionals
including CAs, MBAs, MBEs, CFPs,
CSs, Insurance experts, Legal
experts and others
SEBI-Approved Category I
Merchant Bankers
Group Co BCIBL is an IRDA-
licensed Direct Insurance
Broker
Opportunity Threat
• Untapped Market • Reach
• Increased spending • Stiff competition from
power existing players in the
• Changing Mindset of market
Customers • Better products
• Unpredictable Sensex

Collation of information: For gathering the

information I personally interviewed the subject.
Personal interviewing is most versatile contact
method.
Besides getting out the required information from
people ingot a chance to interact with strangers
and also read their mentalities.

First phase of information collection

Most of he people responded nicely they treated
me like a kid cooperated with me very much and
they gave dishonest answer while some were
either least interested in understanding my job.

MEMORABLE EXPERIENCE OVER FIRST

PHASE
How did I work in first phase?
1: During my summer tanning my topic was to do
market research between demographic segments
as advocates of Oudh bar association.
Mr. Rakish Srivastava was one of the people who
responded negatively but he was very curious to
know about of the services offered by Bajaj capital.
He asks for further contact so I given the no. of Mr.
Ravi Pander and he noted on that paper that agave
him for study.
He said to other colleagues that I have heard that
most of the persons are now investing in mutual
funds and I also assured him either you will call
or I will contact you through office and make a
conference without financial advisor Ravi Pander
who will give you details about that.
2:When I was doing my market research through
survey method Mr. Ravi Tiarawas another client
who gave me positive response on paper .he
already known to all mutual funds but he was not
interested in making conservation about that . He
filled the paper and gives me with blank
expression.
3: The third case was really disappointing.Mr.
Defender Nat Mishap, advocate of very reserve
nature. he always shows attitude I know him for
last four years .whenever anybody comes to him
other then client he shows that he has no time
and in case he treated any person well he never
do any work for that which is not related to his
case. A person never feels that he will not do his
job .he asked me for more forms for help I given
him four but during my 3 or 4 day visit to count he
not attended me and not returned that form.
4: During market research on demographic
segmentation as advocates of Oudh bar
association ingot another person who as of civil
court. He treated me as an agent .he filled my
form and left the seat.
INTERPRETATION OF FIRST PHASE:As written
earlier over my first phase of project i have to
conduct a survey on 170 people(questionare's),
which consist of ten questions
Question1:Have you ever herd of bajaj
capital?
ANSWER1. YES: 66% NO: 34

It is quit evident form the graphs that the

awareness of Bajaj capital and it,s services is very
much in my target area.
out of survey conduct among 170 people 108 reply
they have heard ever bajaj capital whereas 62
person's reply in negative
thus,66% give positive responce and 34% give
negative response .
HOW DO YOU COME TO KNOW ABOUT BAJAJ
CAPITAL?
HAVE YOU SEEN BAJAJ CAPITAL ADVERTISE ON
TELIVISION?
YES: 47% NO: 53%
CNBC 8%
NDTV INDIA 26%
NDTVPROFIT 31%
NDTV 24*7 30%
SONY 6%

ARE YOU AWARE OF THE SERVICES OF BAJAJ CAPI

TAL?
YES: 17% NO83%
IF YES PLESE E XPLAIN…………………………….
YES :60% NO: 40%

ARE YOU AWARE OF CONCEPT OF 360°FINANCIAL

PLANNING?
YES: 10% NO: 90%
DO YOU WANT TO AVAIL THIS SERVICE?
YES: 44% NO: 56%

WHAT DO YOU EXPECT FROM YOUR INVEST MENT

ADVISOR MOST?
NO. PARICULAR NO. OF PERCENTAG
EMPLOYEE E OF
EMPLOYEE
1 PROMPT 35 24
SERVICE
2 KNOWLEDG 74 50
E
3 QUALITY 39 26
SERVICES

WHICH INSTRUMENT DO YOU PREFER FOR TAX

PLANNING?
1 LIFE INSURANCE 60%
2 NATIONAL SAVING CERTIFICATE 35%
3 OTHERS(PF,ELSS,ULIP,HOUSINGLOAN, 5%
PENSION PLAN,MEDICLAIM POLICY)

BIBLIOGRAPHY
 BOOKS:
1.INSURANCE BOOK
2.PHILIP KOTLA
INTERNET SOURCES:
1.WWW.BAJAJ CAPITAL.COM
2.WWW.GOOGLE.COM
SARVEY INFORMATION: