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“COMPARATIVE ANALYSIS OF RELIANCE MONEY WITH OTHER BROKERAGE FIRM” IN PARTIAL FULFILLMENT FOR THE AWARD OF POST GRADUATE DIPLOMA IN BUSINESS MANAGEMENT UNDER GUIDANCE OF Mr. SAHIL BAJAJ (BRANCH MANAGER) Mr. MOHIT VERMA (FACULTY)
SUBMITTED BY SHIVANGI CHANDRA PGDBM IIIrd sem. INSTITUTE OF PRODUCTIVITY & MANAGEMENT LUCKNOW
CONTENTS TITLE PAGE ACKNOWLEDGEMENT CERTIFICATE FROM ORGANIZATION CERTIFICATE OF THE PROJECT GUIDE LIST OF CONTENT SECTION- A INDUSTRY & COMPANY PROFILE Industry background Competitive situation Company profile Organization chart Product range Financial position SECTION –B THE PROJECT PROFILE Why this project was undertaken Problem environment The problem being faced What does company expect to do by solving the problem?
SECTION-C THE PROJECT-BACKGROUND& METHODOLOGY Research problem Research objective Information requirements-in detail & source of information Research design Sampling technique used & sample design Field work Analytical tool Limitation SECTION – D ANALYSIS BIBLIOGRAPHY APPENDIX Sample profile Findings Conclusion Suggestion
Our sincere thanks are due to all the customers who accepted reliance money wholeheartedly and to those who spared their time providing their responses. Their cooperation in adverse situations, logical criticism of products, opinion about various brands and companies is highly appreciated by us. I am extremely grateful to my summer training head Mr. Sahil Bajaj for his guidance and active support in difficult situations.
The title of the project is “Study of Comparative Analysis of Reliance Money with other Brokerage Firms”. The main objective of this project is to determine the customer satisfaction, in other words to determine the benefits and problems gained by the customers in Reliance Money as well as to conduct a comparative analysis to determine the brand awareness of Reliance Money. Reliance Money is company of Reliance Capital of Aditya Dhirubhai Ambani group which came into existence on 12th April 2007. Being a new firm it is facing a problem in after sales service. Thus, the main motive of this project is determine the various kinds of problems and benefits the customer is facing, analyzing it and at last giving some suggestions to the company for improving the product leading it to be an uprising company. In today’s business environment a product needs to create a strong Brand Identity for itself, otherwise it cannot face the stiff competition from its competitors. This Brand Identity is created through the consumer satisfaction. So, it’s necessary for Reliance Money to develop its customer service to create a brand identity in this competitive market.
RELIANCE CAPITAL LIMITED is a Non-Banking Financial Company (NBFC) registered with Reserve Bank of India was incorporated as a public limited company in 1986 and is now listed in Bombay Stock Exchange and National Stock Exchange (India). With a net worth of over Rs.3, 300 crore and over 165,000 shareholders, Reliance Capital has established its presence as a leading player in financial service sector in the country.
COMPANY PROFILE About Reliance Money On 12th April 2007 Reliance Capital announced its foray into the brokerage business through Reliance Money promoted by Anil Dhirubhai Ambani Group firm Reliance Capital. It is the electronic transaction platform associated with Reliance Capital; one of the India’s leading and the fastest growing private sector financial services companies, ranked amongst the top three private sector financial services and banking companies, in terms of Net worth. Reliance offers a ‘fixed’ flat fee structure and would offer highly competitive rates based on the flat fee structure instead of the contemporary system where investors pay brokerage fees (percentage) for each transactions conducted in the stock markets. Reliance Money offers a comprehensive platform, offering an investment avenue for a wide range of asset classes. Whether a person wishes to transact in Equity, Equity & Commodity Derivatives, IPO’s, Offshore Investments, or prefer to invest in Mutual Funds. Life & General Insurance products or avail Money Transfer and Money charging services can be done all through Reliance Money. Reliance Anil Dhirubhai Ambani Group of Companies The Reliance – Anil Dhirubhai Ambani Group is among India’s top three private sector business houses on all major financial parameters, with a market capitalization of Rs 100,000 crore (US$ 22 billion), net assets in excess of Rs 31,500 crore (US$ 7 billion), and net worth to the tune of Rs 27,500 crore (US$ 6 billion)
Across different companies, the group has a customer base of over 50 million, the largest in India, and a shareholder base of over 8 million, among the largest in the world. Through its products and services, the Reliance - ADA Group touches the life of 1 in 10 Indians every single day. It has a business presence that extends to over 4,500 towns and 300,000 villages in India, and 5 continents across the world. The interests of the Group range from communications (Reliance Communications) and financial services (Reliance Capital Ltd), to generation, transmission and distribution of power (Reliance Energy), infrastructure and entertainment.
COMPETITIVE SITUATION “THERE ARE MANY COMPETITORS OF RELIANCE MONEY BUT I HAVE TAKEN TWO MAJOR COMPETITORS.”
ICICI Direct brings international experience of online investing. Buying and selling of shares is just a click away. Its powerful 3-in-1 concept enables to tie the saving bank account with Demat account and brokerage account electronically. This integration ensures that money is transferred to/from the bank account and the shares are transferred from/to the Demat account automatically without any paperwork. ICICI Direct keeps track of the transactions, the settlement dates and stock exchange rules, hence relieving you of the inconvenience of tracking stock exchange trading calendars, settlement dates, writing cheques and Transfer Instructions for Debit (TIFD). A multitude of resources like online quotes, charts, news, research, fundamental database and detailed analysis is just a click away to help to make smarter and better decisions. The URL ICICIDirect.com is owned by ICICI and managed by ICICI Web Trade Limited. ICICI Web Trade Limited facilitates trading and related services on the internet through maintenance of the website. Trades put through ICICIDirect.com are executed by ICICI Web Trade Limited, which is a trading member of the National Stock Exchange and The Stock Exchange, Mumbai. SEBI registration numbers for NSE and BSE are INB 231147639 and INB 011147635 respectively. The features of ICICI direct: • ICICIDirect.com comes with unique 3-in-1 accounts which integrates banking, broking and demat accounts. This enables you to trade in shares without going through the hassles of tracking settlement cycles, writing cheques and Transfer Instructions, chasing your broker for cheques or Transfer Instructions etc.
ICICI Direct keeps track of the transactions and the settlement dates, hence relieving you of the inconvenience of tracking stock exchange trading calendars, settlement dates, writing cheques and Transfer Instructions For Debit (TIFD). A multitude of resources like online quotes, charts, news, research, fundamental database and detailed analysis is just a click away to help you make informed decisions Since with ICICIDirect.com, you can verify orders and get order confirmations online, you can be assured that you have in fact placed an order at the price you always wanted to but may not have been able to do so till now. Thereby giving you CONTROL over your OWN trades. What's more, instead of transferring monies to a brokers' pool or towards deposits, you can manage your OWN Demat and bank accounts when you trade through ICICIDirect.com.
Brokerage Charges: A. E-invest Account 1 Account Opening The account opening fees for e-invest account is Rs. 750/-. B. Demat Account 1. Account opening 2. Annual Service Charges 3. Custody Charges 4. Transaction Charges a) Market Buy 0.03% of the transaction value subject to a min. of Rs.25/- per transaction. Nil Rs. 300/- payable in the month of April each year. Nil
b) Market Sell c) Off-Market Buy d) Off-Market Sell Rejection/fails
0.04% of the transaction value subject to a min. of Rs.25/- per transaction. 0.02% of the transaction value subject to a min. of Rs.25/- per transaction. 0.04% of the transaction value subject to a min. of Rs.25/- per transaction. Rs.25/-per entry * If TIFD submitted on the execution date or within 24 hours of execution date is processed, extra late payment charge of 0.10% subject to a min. of Rs. 50/- per transaction would be applicable. Such instructions (as also received within 48 hours of execution date) would be on "Best Effort Basis".
5. Demat Charges a) No Demat charges for ICICI and ICICI Bank shares. b) For other securities, Rs. 2/- per certificate subject to a minimum of Rs. 35/- per DRF. 6. Remat Charges 0.10% of the value of the securities rematerialized subject to a minimum of Rs. 25/per request. 0.02% of the transaction value subject to a minimum of Rs. 25/- per ISIN and per request. 0.03% of the transaction value subject to a minimum of Rs. 25/- per ISIN and per request.
7. Pledge Creation/ Invocation/ Revocation Pledge Confirmation 8. Minimum balance requirement
An average minimum balance of Rs. 5000 is to be maintained during each quarter failing which Rs. 300 /- will be levied /debited to customer's bank account. In case of an insufficient balance to debit Rs. 300/- ICICI Bank will have right to close the account of the customer.
Variable Brokerage Structure (Cash and BTST) Brokerage On Trades Done In Cash Segment Total Eligible Turnover Above Rs. 5 Crores Rs.2 Crores to 5 Crores Rs. 1 Crores to Rs 2 Crores Rs. 50 Lakhs to Rs. 1 Crores Rs. 25 Lakhs to Rs. 50 Lakhs Rs. 10 Lakhs to Rs. 25 Lakhs Less Than 10 Lakhs Brokerage Second Leg Of Trades Nil Nil Nil Nil Nil Nil Nil Effective Brokerage on Intraday Squareoff 0.125% 0.15% 0.175% 0.225% 0.275% 0.35% 0.375%
0.25% 0.30% 0.35% 0.45% 0.55% 0.70% 0.75%
• Service Tax (ST) and Security Transaction Tax (STT) will be charged additionally. • Second leg of intra day square off transaction in cash will not be charged any brokerage. SPOT: The brokerage charged on trades done in Spot segment remains unchanged. i.e. 1%(Irrespective of the amount)
Sharekhan is the retail broking arm of SSKI, an organization with more than eight decades of trust & credibility in the stock market. SSKI Group Companies • SSKI Investor Services Ltd (Sharekhan) • S.S. Kantilal Ishwarlal Securities • SSKI Corporate Finance • Idream Productions SSKI – Corporate Structure
SSKI Securities Pvt. Ltd.
Owns 56% of
Morakhia Family & Associates 100%
Owns 50.5% of
SSKI INVESTOR SERVICES PVT. LTD. Retail broking arm of the group Shareholding pattern: 55.5% Morakhia family (promoters) 18.5% HSBC Private Equity India Fund Ltd 18.5% First Carlyle Ventures, Mauritius 7.5% Intel Pacific Inc. SSKI CORPORATE FINANCE PVT. LTD. Investment Banking arm of the group Shareholding pattern: 50.5% SSKI Securities Pvt. Ltd. 49.5 % Morakhia family
Sharekhan is India's leading retail financial services company with over 250 share shops across 130 cities in India. Its size and strong balance sheet allow it to provide with varied products and services at very attractive prices, having over 750 Client Relationship Managers are dedicated to serve unique needs.
Sharekhan is lead by a highly regarded management team that has invested crores of rupees into a world class Infrastructure that provides clients with real-time service & 24/7 accesses to all information and products. Sharekhan Professional Network flagship offers real-time prices, detailed data and news, intelligent analytics, and electronic trading capabilities, right at your fingertips. Sharekhan offers a full range of financial services and products ranging from Equities to Derivatives enhance your wealth and hence, achieve your financial goals. Sharekhan' Client Relationship Managers are available to you to help with your financial planning and investment needs. To provide the highest possible quality of service, Sharekhan provides full access to all our products and services through multi-channels.
RELIANCE MONEY: RELIANCE MONEY OFFERS A COMPREHENSIVE PLATFORM, OFFERING AN INVESTMENT AVENUE FOR A WIDE RANGE OF ASSET CLASSES. ITS ENDEAVOUR IS TO CHANGE THE WAY INDIA TRANSACTS IN FINANCIAL MARKETS AND AVAILS FINANCIAL SERVICES. RELIANCE MONEY OFFERS A SINGLE WINDOW FACILITY, ENABLING TO ACCESS, AMONGST OTHERS EQUITY, EQUITY AND COMMODITY DERIVATIVES, OFFSHORES INVESTMENTS, IPOs, MUTUAL FUNDS, LIFE INSURANCE AND GENERAL INSURANCE PRODUCTS
Re 0.01 per executed Transaction As Applicable (Statutory Cost Table) Rs 12/- per executed transaction Rs 12/- per executed
Taxes & Charges (like Service Tax, Turnover Charges, Stamp Duty, Educational Cess & Securities Transaction Tax Assisted Trade through Sub- Broker
Tele Trade (dial 022-3988 6000)
transaction Reliance money is better than other brokerage firms because it offers a flat brokerage rate. BOTH ARE THE MAJOR COMPETITORS OF RELIANCE MONEY.
KOTAK SECURITIES INDIABULLS ANGEL BROKERS STANDARD INSURANCE BROKERS
NORTH ZONAL HEAD
SOUTH ZONAL HEAD
DELHI(1) ZONAL HEAD
DELHI(2) ZONAL HEAD
SALES OPERATION FINANACE IT HR
WEST ZONE Zonal Head
PRODUCT OFFERINGS: Online Offerings of Reliance Money o o o o Equity Broking Commodity Broking FX Broking Other Financial Products IPO Funding and subscription Margin Funding
When an unlisted company makes either a fresh issue of securities or an offer for sale of its existing securities or both for the first time to the public. Forex The global foreign exchange market is the biggest market in the world. The nearly USD 2 trillion daily turnover exceeds the combined turnover of the entire world''s stock.. Personal Finance There are good times and bad times during every stage of our lives, and being financially prepared to face all kinds of situations makes the journey of life a lot easier and certainly more... Mutual Funds What is it about investing that irks you most? Is it the fact that it is time-consuming since it involves researching the market for investment products and then proceeding with the paperwork involved. Equity Equity is a share in the ownership of a company. It represents a claim on the company’s assets and earnings. As you acquire more stock, your ownership stake in the company increases. Commodity Starters and more, commodity futures unplugged in this very basic easy to understand note. This section will guide you through the amazing world of commodity markets. Derivatives Derivative products have been around for a long, long time. In fact, as early as the 1650s, dealings resembling present day derivative market transactions were seen in rice markets in Osaka, Japan .
Why Reliance Money?
It’s Cost-effective You pay comparatively lower transaction fees. As an introductory offer, Reliance Money invite you pay a flat fee of just Rs. 500/- and transact through reliance Money. This fee is valid for two moths or a specified transaction value.
Unutilized Delivery limit may be added to Non-Delivery limit. It offers Single – Window access Through Reliance Money’s affiliates, you can transact in Equity, Equity & Commodity Derivatives, Offshore investments, Mutual Funds, IPO’s, Life Insurance, General Insurance Money Transfer, Money Charging and Credit Cards. It’s Convenient Reliance money’s service can be accessed through the Internet, at Transaction Kiosks, over the phone (call & transact) or seek personal assistance through the reliance Mobile Network all over India. It’s Safe Your account is safeguard with a unique security number that changes every 32 seconds. This number works as a dynamic password to keep the account extra safe. It allows 3-in-1 Access An account holder can access Banking, Trading and Demat Account through the single window of Reliance Money and transfer the funds across the accounts seamlessly. It provides you a Demat Account
You can get your own Demat Account with Reliance Capital at an annual fee of just Rs. 50/ It provides you value added services Reliable Research including views of external experts with an Enviable track record. Live news updates from Reuters and Dow Jones CEO’s/ Expert views on the economy and financial markets. Tools that help you plan your investments, tax, retirement, etc, in the personal finance section. Risk analyzer for analysis of your risk profile Asset allocators to build an appropriate investment portfolio
SECTION – B
THE PROJECT PROFILE WHY THIS PROJECT WAS UNDERTAKEN? Reliance Money is set to revolutionize the way India transacts and invest in financial products and services. I HAVE TAKEN THIS PROJECT: • It is a upcoming brand in the market. • They have many competitors in the market. • I have chosen only this topic because I find it interesting and many things to know about the reliance money. What is Reliance Money??! ! The brand ‘Reliance Money’ lends its sheen to 3 companies, which are the legal entities through which Reliance – ADA Group will revolutionize the way financial transactions are currently carried out in the India financial markets. Reliance Money Ltd: Will spearhead Reliance–ADA Group’s foray into the Indian and global capital markets, providing investors the facility of anytimeanywhere online trading in all major asset classes. Reliance Commodities Ltd: This is the company through which all commodity related – trading, distribution, warehouse receipt financing – will be provided to not only the sophisticated, metro investor but also to the Indian farmer who needs these commodity services for his daily living . Reliance money is one of the fast growing company that is why I have chosen this firm.
PROBLEMS BEING FACED:
As there is no problem at the time of project, but little problem I faced at the time of survey because there are many customers who is not aware of the reliance money. All the employees are very cooperative and they ready to help me all the time in any manner.
The delivery of Demat account opening kits is reach late to customer
• Time limit should be 1 week but generally its extended. • The courier service is not good.
Employees’ face the salary cut off problem generally they have got petty cash so late.
SECTION-C RESEARCH PROBLEM:
“COMPARATIVE STUDY OF RELIANCE MONEY WITH OTHER BROKERAGE FIRMS”. RESEARCH OBJECTIVE We defined following main objectives of our research report-
To obtain the knowledge about other brokerage firm. To know the various services provided by the different brokerage firm. To find out the awareness level about additional services provided by reliance money. To find out the market share of reliance money in comparison to other brokerage areas.
To know about the way of access the demat account. To find out the level of satisfaction amongst the customers
RESEARCH METHODOLOGY The methodology of the entire research and survey work was defined at an early stage so that there was minimum wastage of energy material and money. In the process of the research and survey, the entire schedule of work was decided into thirteen steps as follows:• Defining The Objective. • Defining The Population • Frame The Sampling Units. • Data To Be Collected. • Questionnaire & Schedule. • Methods Of Collecting Information. • Non-Respondent Classification. • Selection Of Proper Sampling Design. • Organization Of Fieldwork. • Execution Of The Research Report • Summary & Analysis. • Information Gained For Future • Preparation Of The Report. Survey.
DEFINING THE POPULATION: Population refers to the total of items about which information is deserted. The attributes that are the objective of study are referred to as characteristics and the units possessing them are called as elementary units. The aggregate of such units is generally described as population. Thus, all units in any field of inquiry constitute universe and all elementary units constitute population. FRAME THE SAMPLING UNITS: The elementary units or cluster of such units may from the basis of sampling process in which case they are called as sampling units- A list containing all such sampling units is known as sampling frame. Thus sampling frame consists of a list of items frame, which the sample is to be drawn. It is often impossible to draw a sample directly from population. Whatever the frame may be, it should be a good representative of the population. Here in case of this research, I simply located areas and conducted a survey by taking the information in form of questionnaire. So while conducting this research, Reliance Money was taken and the survey is done in Noida. DATA TO BE COLLECTED:s It becomes necessary to collect data that are appropriate. There are several ways of collecting the appropriate data, which differ considerably in context of money, costs, time and other resources.
RESEARCH DESIGN: To develop and effective questionnaire following points should be taken into consideration. a) b) It is necessary to keep in view the problem, which is to be , provides the starting point for developing the questionnaire. Appropriate from of questions depends on the nature of information sought, the sampled respondents and the kind of analysis intended. Questions should be simple and must be constructed with a view to their forming a logical part of a well thought out tabulation plant. It is necessary to put open ended as well as close ended questions.m c) d) Rough draft of the questionnaire be prepared giving due thought to the appropriate sequence of putting questions. Questionnaire must contain simple but straight forward directions for the respondents so that they may not feel any difficulty in answering the questions. METHODS OF COLLECTION INFORMATION: The task of data collection begins after a research problem has been defined and research design. There are two methods of data collection: i. ii. Primary Data Secondary Data
But in this research we collected primary data through direct communication with customers in the form of questionnaire. Secondary data is collected from websites, business magazines etc.
NON RESPONDENT CLASSIFICATION: If we are unable to sample all the individuals initially included in the sample, there may arise a systematic bias. The reason is that in such a situation the likelihood of establishing contact or receiving a response from an customer is often corrected with the measure of what is to be estimated. SELECTION OF PROPER SAMPLING DESIGN: A sample design is a definite plan for obtaining a sample from a given population. We must prepare a sample design for this study i.e., Plan how a sample should be selected and what size such a sample would be. Here is this case the sample size is of 100 respondents.
Sample design must result in a truly representative sample. Sample design must be such which results in small sampling errors. Sample design must be such so that systematic bias can be controlled in a better way. Sample design must be such so that systematic bias can be controlled in a better way.
ORGANIZATION OF FIELDWORK: Fieldwork was done in this research individually with no biasness. The fieldwork comprises of filling of questionnaires by different customers.
Collecting as much information as it is needed to conduct a successful survey on consumer behavior. I have covered some areas of Noida like Atta market, Ganga complex, bhramaputra market etc. EXECUTION OF THE RESEARCH: Execution of the project is a very important step in the research process. If the execution of the project proceeds on correct lines, the data to be collected would be adequate and dependable. Steps should be taken to ensure that the survey is under statistical control so that the collected information is in accordance with the pre-defined standard of accuracy. If some of the respondents do not cooperate, some suitable methods should be designed to tackle this problem by convincing them. One method of dealing with the non-response problem is to make a list of the non-respondents and take a small sub sample of them and then with the help of experts vigorous efforts can be made to securing response. SUMMARY & ANALYSIS OF DATA: After the data have been collected, the turn is the task of analyzing them. The analysis of data requires a number of closely related operations such as establishment of categories, the application of these categories to new data through coding, tabulation and then drawing statistical inferences. So the raw data should classify into some purposeful usable categories. Analysis work after tabulation is generally based on the computation of various Percentages, coefficients etc by applying various
well defined statistical formulae. Here in case of this research it has been found that the level of awareness about. INFORMATION GAINED FOR FUTURE SURVEY: The information which is gained for future survey is that the awareness level among of people is very low, they do not know exactly about the various services offered by the reliance money and sometimes they find the environment of reliance money very technical. The people have faith in ICICI Direct.com as they are operated on behalf of brokerage but at the same time they find that the services offered by the ICICI Direct.com are not sufficient. The awareness level of customers is much high about the various facilities and services offered by the reliance money. PREPARATION OF REPORT : Finally the preparation of the report has to be done according to the work done. Writing of report must be done with great care keeping in view the following1. 2. 3. The layout Report should be written in concise and style in simple language Charts and illustrations in the main report should be used only if they present the information more clearly and forcibly.
Calculated confidence limits must be mentioned and the various experienced in conducting research operations may as well be scaled. The above research report was formulated as underResearch Data Source Research Instrument Sampling Size Sampling procedure : : : : : Descriptive Primary & Secondary Questionnaire 100 respondents simple random sampling
SECTION – D ANALYSIS SAMPLE PROFILE:
RANDOM SAMPLING IS USED. STATEMENT OF FINDINGS & RESULTS Q.1. Occupation? OPTIONS STUDENT BUSINESS SERVICE ANY OTHER No. OF RESP. 7 33 37 23
7, 7% 23, 23%
37% people are in service sector, 33%people are businessman & 23% are in other occupation. Q.2 TOTAL ANNUAL HOUSEHOLD INCOME? OPTIONS LESS THAN 99999 UP TO RS. 100000 RS. 200001 – 499999 RS.399999-499999 ABOVE 500000 No. OF RESP. 5 12 16 36 15
5, 6% 12, 14%
16, 19% 36, 43%
LESS THAN 99999 RS.399999-499999
UP TO RS. 100000 ABOVE 500000
RS. 200001 – 499999
Q.3 The percentage of your total income you would like to invest in stock market? a) Below 15% b) 15% to 20% c) 25% and above
Q. 4 Rank according to your preference? OPTIONS RELIANCE MONEY ICICI DIRECT.COM RELIGARE INDIABULLS KOTAK SECURITIES SHAREKHAN ANGEL BROKERS ANY OTHER No. OF RESP. 2 1 3 4 3 4 6 1
ANY OTHER ANGEL BROKERS SHAREKHAN KOTAK SECURITIES INDIABULLS RELIGARE ICICI DIRECT.COM RELIANCE MONEY 0
1 6 4 3 4 3 1 2 2 4 6 8
Interpretation: MOST OF THE RESPONDENTS WERE EARNING 11000-20000 per month.
While doing this project, I found that the trading is the primary necessity of human being. Every one has at least one Demat account for trading purpose either it is in reliance money or any other . Everyone has many sweet dreams in his or her life. Demat account is an initial step and important source for fulfilling that dreams and shaping the future.
After analyzing the market, products and services, I personally found that customers are less aware about Reliance Money. The main and major competitors of Reliance Money are ICICI direct.com, sharekhan and Kotak securities. This whole project is based on comparison of the reliance money with other brokerage , The main motive to take on this topic is to know why reliance money is different from others.
The company should try to improve its image among the customers in comparison to its nearer competitors ICICI direct.com, sharekhan, etc.
It can also improve or increase its share by providing special schemes to customers. Company’s promoter unit should use proper medium of advertising The company should analyze the problems of potential customers, which they are facing currently. Company should provide some additional and attractive services to its customers. The most important thing is to obtain the feed back from its customers so that it can improve lacking areas.
“ IF WE ARE TOGETHER NOTHING IS IMPOSSIBLE”
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