A PROJECT REPORT ON WEALTH MANAGEMENT

A Thesis submitted in partial fulfilment of the requirements for the award of the
degree of


BACHELORS OF BUSINESS ADMINISTRATION

BY

NISHANT MEHRA
(BBA/4581/10)





DEPARTMENT OF MANAGEMENT
BIRLA INSTITUTE OF TECHNOLOGY
MESRA-835215, RANCHI


DECLARATION CERTIFICATE

This is to certify that the work presented in the thesis entitled “A Project report on
wealth management” in partial fulfilment of the requirement for the award of Degree
of Master of Business Administration of Birla Institute of Technology Mesra, Ranchi is
an authentic work carried out under my supervision and guidance.
[Arial 14, Justify] To the best of my knowledge , the content of this thesis does not
form a basis for the award of any previous Degree to any one else.


Date: (Guide’s Name & Signature)
Department of Management
Birla Institute of Technology
Mesra, Ranchi



Head
Dept. of Management
Birla Institute of Technology
Mesra, Ranchi- 835215



CERTIFICATE OF APPROVAL

The foregoing thesis entitled “A Project report on wealth management”, is hereby
approved as a creditable study of research topic and has been presented in
satisfactory manner to warrant its acceptance as pre-requisite to the degree for which
it has been submitted.
It is understood that by this approval, the undersigned do not necessarily endorse any
conclusion drawn or opinion expressed therein, but approve the thesis for the
purpose for which it is submitted.






(Internal Examiner) (External Examiner)



(Director)
Head of the Department



Acknowledgement
It gives me immense pleasure to present this project report carried out at Aditya Birla Finance Limited(sales
office), patel chowk. This project is the result of time, efforts and knowledge contributed by various member
of the organization. The summer training program was the great experience for me as in this I got the
opportunity to learn and experience the corporate world.
No work can be carried out without the help and guidance of various persons. I am happy to take this
opportunity to express my gratitude to those who have been helpful to me in completing this project report.
They have been the source of guide and motivation for the completion of project.
I would like to thank my industry mentor Mrs Rachna Pratiek for giving valuable time, advice, assistance
which has helped me to gain practical and theoretical aspect of the market.
I would be failing in my duty if I do not express my deep sense of gratitude to Mr. Netrapal Singh
(supervisor at ABFL) to help me out with the project report.

Nishant Mehra
BIT


Executive Summary
Private wealth management (PWM) is the term generally used to describe highly customized and
sophisticated investment management and financial planning services delivered to high net worth investors.
Generally, this includes advice on the use of trusts and other estate planning, vehicles, business succession or
stock option planning, and the use of hedging derivatives for large blocks of stock. Traditionally, the
wealthiest retail clients of investment firms demanded a greater level of service, product offering and sales
personnel than were received by the average clients. With an increase in the number of affluent investors in
recent years, there has been an increasing demand for sophisticated financial solutions and expertise
throughout the world. Private Wealth Management is the retail division focused on serving clients with greater
than Rs 1 crore in investment assets.
Wealth management is an investment advisory discipline that incorporates financial planning, investment
portfolio management and a number of aggregated financial services. High Net worth Individuals (HNWIs),
small business owners and families who desire the assistance of a credentialed financial advisory specialist
call upon wealth managers to coordinate retail banking, estate planning, legal resources, tax professionals and
investment management. Wealth managers can be an independent Certified Financial Planner, MBAs,
Chartered Strategic Wealth Professional, CFA Charter holders or any credentialed professional money
manager who works to enhance the income, growth and tax favoured treatment of long-term investors. Wealth
management is often referred to as a high-level form of private banking for the especially affluent. One must
already have accumulated a significant amount of wealth for wealth management strategies to be effective.
A loan is a type of debt. Like all debt instruments, a loan entails the redistribution of financial assets over
time, between the lender and the borrower. In a loan, the borrower initially receives or borrows an amount of
money, called the principal, from the lender, and is obligated to pay back or repay an equal amount of money
to the lender at a later time. Typically, the money is paid back in regular instalments, or partial repayments; in
an annuity, each instalment is the same amount. The loan is generally provided at a cost, referred to as interest
on the debt, which provides an incentive for the lender to engage in the loan. In a legal loan, each of these
obligations and restrictions is enforced by contract, which can also place the borrower under additional
restrictions known as loan covenants. Acting as a provider of loans is one of the principal tasks for financial
institutions. For other institutions, issuing of debt contracts such as bonds is a typical source of funding.
In today’s time, Loan has become an very important medium to arrange funds for various purposes. People
require loan for buying property, for purchasing shares, mutual funds etc and Aditya Birla Finance Limited
specialises in providing these services to their Customers.

The project assigned to me was-
I. To identify and target companies providing Wealth Management services and Real Estate
services to their clients.
II. Approach them and give a presentation of the products and services offered by Aditya Birla
Finance Limited for their clients.
III. Get some more information about the company and also to know whether they would like to
work in association with Aditya Birla Finance Limited with the help of a Questionnaire.
IV. To analyse the results of all the Questionnaires
















Contents

1) Chapter 1- Company Profile

2) Chapter 2- Problem statement and objectives of the study

3) Chapter 3- Research methodology

4) Chapter 4- Analysis and Interpretation

5) Chapter 5- Conclusion and Recommendations

6) Bibliography

7) Appendix

List Of Tables

S.NO Title Page No.
Table No-1 Capital Market Products
Table No-2 Corporate Finance Products
Table No-3 Mortgage Products
Table No-4 List Of Respondents


List of Figures
S.NO. Title Page No.
Figure No. 1 Private Wealth Management (Bar Chart)
Figure No. 2 Private Wealth Management (Pie Chart)
Figure No. 3 Funds Investment(Bar Chart)
Figure No. 4 Funds Investment (Pie Chart)
Figure No. 5 Client Base (Bar Chart)
Figure No. 6 Client Base (Pie Chart)
Figure No. 7 Assets Under Management (Bar Chart)
Figure No. 8 Assets Under Management (Pie Chart)
Figure No. 9 Loan Facilities (Bar Chart)
Figure No. 10 Loan Facilities (Pie Chart)
Figure No. 11 Association with ABFL (Bar Chart)
Figure No. 12 Association with ABFL (Pie Chart)
Figure No. 13 HNI segment (Bar Chart)
Figure No. 14 HNI segment (Pie Chart)
Figure No. 15 Retail segment (Bar Chart)
Figure No. 16 Retail segment (Pie Chart)
Figure No. 17 Corporate segment (Bar Chart)
Figure No. 18 Corporate segment (Pie Chart)
Figure No. 19 NRI segment (Bar Chart)
Figure No. 20 NRI segment (Pie Chart)

List of Abbreviations

S.NO Abbreviation Name Full Name
1 ABFL Aditya Birla Finance Limited
2 AUM Assets Under Management
3 HNI High Net-worth Individuals
4 NRI Non Resident Indian



Chapter-1
Company Profile
1.1) Name: Aditya Birla Finance Limited (Multinational Company)
Address: 2nd Floor, UCO Bank Building, Parliament Street, (sales office)
New Delhi - 110 001
Telephone Number: 011-40115500
Fax: 011-41514999
Website: Adityabirlafinance.com
Address of Head Office: Office No 1, 18th Floor, Tower No 1, Indiabulls Center, 841
Senapati Bapat Marg , Near Jupiter Mill Compound, Elphinstone Road, Lower Parel,
Mumbai – 400013
1.2) Aditya Birla Group
A US $40 billion corporation, the Aditya Birla Group is in the League of Fortune 500. It is anchored by an
extraordinary force of over 133,000 employees, belonging to 42 different nationalities. The Group has been
ranked Number 4 in the Global 'Top Companies for Leaders' survey and ranked Number 1 in Asia Pacific for
2011. 'Top Companies For Leaders' is the most comprehensive study of organisational leadership in the world
conducted by Aon Hewitt, Fortune Magazine and RBL (a strategic HR and Leadership Advisory firm).

Over 53 per cent of its revenues flow from its overseas operations. The Group operates in 36 countries –
Australia, Austria, Bangladesh, Brazil, Canada, China, Egypt, France, Germany, Hungary, India, Indonesia,
Italy, Ivory Coast, Japan, Korea, Laos, Luxembourg, Malaysia, Myanmar, Philippines, Poland, Russia,
Singapore, South Africa, Spain, Sri Lanka, Sweden, Switzerland, Tanzania, Thailand, Turkey, UAE, UK and
USA.

Globally, the Aditya Birla Group is:
:: A metals powerhouse, among the world’s most cost-efficient aluminium and copper producers. Hindalco-
Novelis is the largest aluminium rolling company. It is one of the three biggest producers of primary
aluminium in Asia, with the largest single location copper smelter.
:: No.1 in viscose staple fibre
:: No.1 in carbon black
:: The fourth-largest producer of insulators
:: The fifth-largest producer of acrylic fibre
:: Among the top 10 cement producers
:: Among the best energy-efficient fertiliser plants
:: The largest Indian MNC with manufacturing operations in the USA

In India:
:: A top fashion (branded apparel) and lifestyle player
:: The second-largest player in viscose filament yarn
:: The largest producer in the chlor-alkali sector
:: Among the top three mobile telephony companies
:: A leading player in life insurance and asset management
:: Among the top two supermarket chains in the retail business
:: Among the top 10 BPO companies

Rock solid in fundamentals, the Aditya Birla Group nurtures a culture where success does not come in the
way of the need to keep learning afresh, to keep experimenting.

Beyond business - The Aditya Birla Group:
:: Works in 3,000 villages.
:: Reaches out to seven million people, annually through the Aditya Birla Centre for Community Initiatives
and Rural Development, spearheaded by Mrs. Rajashree Birla.
:: Focuses on healthcare, education, sustainable livelihood, infrastructure and espousing social reform in
India, Asia, Egypt, Philippines, Thailand, Laos, Indonesia, Korea and Brazil.
In India:
:: Our Group runs 42 schools, which provide quality education to 45,000 children. Of these, over 18,000
children receive free education.
:: Its 18 hospitals tend to more than a million villagers.
:: In line with its commitment to sustainable development, has partnered with the Columbia University in
establishing the Columbia Global Centre’s Earth Institute in Mumbai.
:: To embed CSR as a way of life in organisations, has set up the FICCI – Aditya Birla CSR Centre for
Excellence, in Delhi.
Aditya Birla Group companies- Grasim, Hindalco, Aditya Birla Nuvo Ltd, UltraTech cement etc.
1.2.1) Aditya Birla Nuvo Ltd
Aditya Birla Nuvo Ltd. (ABNL) is a US$ 4 billion conglomerate by revenue size. It is part of Aditya Birla
Group, a US$ 40 billion Indian multinational. Having a market cap of ~US$ 2 billion as on 29 February 2012,
ABNL is present across Financial Services, Telecom, Fashion & Lifestyle, IT-ITeS and Manufacturing
businesses. Anchored by over 60,000 employees, ABNL touches lives of more than 100 million Indians.
Aditya Birla Nuvo Ltd. commands leadership position in India across its businesses:
 Aditya Birla Financial Services is a large non bank financial services player managing AUM of ~US$
17 billion as on 31 December 2011 and having an annual revenue size of ~US$ 1.25 billion (2010-11).
Trusted by 5.5 million customers and anchored by over 17,500 employees, it has a nationwide
presence through more than 1,850 points of presence and about 200,000 agents / channel partners.
ABFS is one of the two non bank players in India which rank among top 5 players in both the life
insurance and asset management businesses.

 Birla Sun Life Insurance (BSLI) is a 74:26 joint venture between ABNL and Sun Life Financial,
Canada. BSLI improved its ranking to 4th among private players with an enhanced market share of 8.6
percent.

 Birla Sun Life Asset Management (BSAMC) is a 50:50 joint venture with Sun Life Financial, Canada.
BSAMC ranked 4th in India with an AUM size of US$ 13 billion as on 31 December 2011. It is one
of the two best performers in terms of mobilizing equity AUM consecutively for past two years.

 Aditya Birla Finance, the NBFC arm, has a book size of US$ 550 million as on 31 December 2011.

 A prominent player in Private Equity, Wealth Management, Broking & General Insurance Advisory
space.

 ABNL holds 25.32 per cent in Idea Cellular, a US$ 6 billion company by market cap as on 29th
February 2012. It posted revenue of US$ 3 billion. Idea is the third largest cellular operator in India
with revenue market share at 14 per cent and it has been the highest gainer of revenue market share
since past two years. Idea ranks among top 10 cellular operators in the world with more than 1.2
billion minutes of usage per day.

 Madura Fashion & Lifestyle is the largest premium branded apparel player in India selling more than
one apparel every two seconds. t sells leader brands viz., Louis Philippe, Van Heusen, Allen Solly and
Peter England through 1,082 exclusive brand outlets spanning across 1.6 million square feet area
besides more than 1,250 departmental stores and multi brand outlets.

 Aditya Birla Minacs is among top ten BPO companies in India with revenue size of US$ 300 million
.
 Second largest carbon black manufacturer in India (Aditya Birla Group is the largest in the world in
terms of capacity)

 Among the best energy efficient fertiliser plants in India

 India's largest and the world's fourth largest manufacturer of insulators

 Second largest manufacturer of viscose filament yarn in India

 Largest manufacturer of linen fabric in India







1.2.2) Aditya Birla Finance Limited
Aditya Birla Finance (ABF) is one of India’s most reputed non-banking financial companies (NBFC).
Incorporated in 1991, the company is one of the largest players in security based lending and pioneer of IPO
Financing in India. ABFL offers specialized solutions in area of Capital Market, Corporate Finance,
Mortgages (LAP, LRD) and Infrastructure Finance. Through its lending and financing solutions the company
enables its customer to pursue ambitious growth strategies and execute value-creating transactions. Our aim is
to open up a world of opportunities for you and help you achieve your full potential sooner than later. ABF is
a part of Aditya Birla Financial Services (ABFSG). The group also has a strong presence across other verticals
viz. life insurance, asset management, retail broking, distribution and wealth management, general insurance
broking and private equity.
The seven companies representing Aditya Birla Financial Services Group are Birla Sun Life Insurance
Company Ltd., Birla Sun Life Asset Management Company Ltd., Aditya Birla Finance Ltd., Aditya Birla
Capital Advisors Pvt. Ltd., Aditya Birla Money Ltd., Aditya Birla Money Mart Ltd, and Aditya Birla
Insurance Brokers Ltd.
ABFSG is committed to being a leader and role model in a broad based and integrated financial services
business. Its 7 lines of businesses, with about 5.5 million customers manages assets worth USD 19 billion
approximately and prides itself for having a talent pool of about 15,000 committed employees. ABFSG has its
wings spread across more than 500 cities in India through over 1600 points of presence and about 200,000
channel partners. This allows ABFSG to offer its customers virtually anything under financial services except
a savings or current account. With revenue of over USD 1.3 billion ABFSG is a significant non bank player.
ABFSG is a part of Aditya Birla Nuvo Ltd (ABNL), a USD 3.5 billion conglomerate having leadership
position across its manufacturing as well as services sector businesses. ABNL is a part of the Aditya Birla
Group, a USD 30 billion Indian business house operating in 33 countries across the globe.
1.3) Vision
To be a leader and role model in a broad based and integrated financial services business.
Values
Our core values describe the attitude and behaviour, we believe are central to delivering world-class client
service.
We have five core values that are at the heart of everything we do:
1) Integrity 2) Passion 3) Commitment
4) Speed 5) Seamlessness

1.4) Products And Services
Capital Markets
The Capital Market Group offers its customers the best opportunity to meet their liquidity requirements. It
provides finance for investments in the primary and the secondary market. Aditya Birla Finance (ABFL) is the
pioneer of IPO Financing in India.
Product Benefit Product Name
Enables you to take a loan against equity shares Loan Against
Shares
Enables you, as a promoter, to increase your share holding or expand and
diversify into other areas of business.
Promoter Funding
Enables you to leverage your existing investments in mutual funds. Loan Against Mutual
Funds
Enables you to leverage your existing life insurance policies. Loan Against Life
Insurance Policies
Enables you to invest/leverage/trade in equity shares at a pre-defined margin. LASI
Designed to enables you to invest/leverage/trade in equity shares at a pre-
defined margin
IPO Funding
Designed to provide Specialized and Customized Solution for every
company and employee.
ESOP Funding
Table No.1- Capital Market Products

Corporate Finance
The Corporate Finance Group deals with SMEs, mid-corporate and large corporate clients and aims to provide
customized financing solutions to meet their working capital and growth finance needs. We understand that
your business depends on efficient utilization of funds and a lot depends on a well-organised fund flow system
to keep your business running. Aditya Birla Finance helps you do just that.


Product Benefit Product Name
Enables you to raise short-term and long-term capital for your growing
business.
Structured Finance
Enables you to have a dependable source of working capital to fuel your
business.
Working Capital Demand
Loan
Enables you to get finance in a way that best fits your financial needs. Term Loan
Enables you to convert your receivables into cash which in turn improves
liquidity resulting into a healthy and continuous cash flow for your
business.
Supply Chain
Management Solutions-
Invoice Discounting
Table No.2- Corporate Finance Products
Mortgage
A mortgage represents a loan or lien on commercial or residential property that has to be paid over a specified
period of time. Your property can help you get ready funds to fuel your business and accelerate growth. Our
Mortgage solutions are aimed at providing customized products which will ease out your worries and drive
you closer to your goals.

Product Benefit Product Name
Aimed at providing finance to property owners who have fixed rent
receivables from tenants.
Lease Rental discounting-
LRD
Enables you to get liquidity against your property without selling it. Loan Against Property –
LAP
Table No.3- Mortgage Products
Infrastructure Finance
With a view to capitalize on the opportunities in the infrastructure, core and emerging sectors, Aditya Birla
Finance has expanded its product suite to include project and structured finance solutions catering primarily to
the growing mid-market clients across the country.
Through this initiative, ABF would not only provide finance but syndication and financial services leveraging
on its synergies across businesses. The company hopes to thus contribute to the development of infrastructure
facilities of the country which is a key driver for growth and development.
1.5) Size of the organization
No of Employees : 2501 -5000
Turnover in Crore : 10-100 Crore
Sector: Private Sector
1.6) Competitors
Standard Chartered Bank, Kotak Mahindra Bank, ICICI bank




















Chapter-2
Problem Statement And Objectives Of The Project
Significance of the study
1) To procure information about other companies.
2) To learn how to approach a customer.
3) To develop presentation skills.
4) To get some Field Experience.
Managerial usefulness of the Study
1) This study will help to gather information about other companies and where people of different
segments like to invest.
2) It will also help in knowing which companies would like to work with ABFL which will in turn bring
more business opportunities and increase profits.
3) It will help ABFL to expand its business.
4) It will also help the company to know to target which segments i.e. HNI, retail etc.
Problem Statement
To look for Tie Ups for Aditya Birla Finance Limited (by giving a business proposal for other
company’s welfare and their client’s welfare.)
Objectives of the project
1) To find where companies like to invest their funds.
2) To find the client base preferred by the company.
3) To find where people of different segment like to invest.
Scope of the Study





Chapter-3
Research Methodology
Research design
The Research Design is Descriptive research design.
The main goal of this type of research is to describe the data and characteristics about what is being studied.
The idea behind this type of research is to study frequencies, averages, and other statistical calculations.
Descriptive research is mainly done when a researcher wants to gain a better understanding of a specific topic.
Descriptive research is the exploration of the existing certain phenomena. The details of the facts won't be
known. The existing phenomena's facts are not known to the persons.
Sources of data collection
Primary sources are original sources from which the researcher directly collects data that have not been
previously collected.
These are sources containing data that have been collected and compiled for another purpose. The secondary
sources consist of readily available compendia and already compiled statistical statements and reports whose
data may be used by researches for their studies.
The main source of data collection for this was questionnaires by meeting the client and mailing the
questionnaire in some cases. Another source of data collection was internet.
Sampling procedure
Sampling frame- The Sampling frame for this project was Delhi/NCR region. Some of the places visited were
Janakpuri, Barakhamba road, Noida etc.
Sample size- Total 130 clients were approached out of which 86 responded to the questionnaire.
Sample Unit- People approached were both male and female and belonged to the working class. Age was 25
and above and also had good academic qualifications.
Sampling technique- Sampling technique used was questionnaires.




Chapter- 4
Analysis And Interpretation
I visited 130 companies out of which 84 filled the questionnaire and some of them provided us with
their news letter.
Following is the analysis of the answers given to the questions in the questionnaire.
1) The Bar Graph and the Pie Chart below represent the number and percentage of companies
who provide facilities of Private Wealth Management.

Figure No.1: Private Wealth Management
39 companies answered yes that they provide facilities of private wealth management i.e. they
undertake customers who invest more than 1 crore. 45 companies answered no i.e. they also undertake
customers investing less than 1 crore.
The Pie chart below represents the above figures in percentage.
39
45
36
37
38
39
40
41
42
43
44
45
46
Yes No
Private Wealth Management
Private Wealth
Management

Figure No.2: Private Wealth Management
46% companies answered yes and 54% companies answered no.
2) The bar graph and the Pie Chart below represent where companies invest their clients fund.


Figure No.3: Funds Investment
46%
54%
Private Wealth Management
Yes
No
37
9
4
11
12
10
0
5
10
15
20
25
30
35
40
Real
Estate
Equity Others Real
Estate
and
Equity
Equity
and
others
Real
Estate,
Equity
and
others
Funds investment
Funds investment

Figure No.4: Funds Investment
37 companies i.e.(44.57%) prefer to invest their client’s funds in Real Estate, 9 companies i.e.
(10.84%) in equity, 4 companies i.e. (4.81%) in Others. 11 (13.25%) companies prefer to invest in both
Real Estate and Equity. 12 (14.45%) in both Equity and Others. 10 (12.04%) in Real Estate, Equity
and Others.
Real Estate is the most preferable because it is more profitable and consist of less risk as compared
to others. People invest less funds in equity because of the risk involved.
3) The Bar Graph and the Pie Chart below represent the preferred client base. Companies gave
dual answers to these questions.

Figure No.5: Client Base
44.57
10.84
4.81
13.25
14.45
12.04
Funds Investment
Real Estate
Equity
Others
Real estate and Equity
Equity and others
Real Estate, Equity and Others
69
65
60
47
5
0
10
20
30
40
50
60
70
80
HNI's Retail Corporate NRI Can't
Provide
Client Base
Client Base

Figure No.6: Client Base
69 companies i.e. (82.14%) prefer HNI’s (High Net Worth Individuals) because they invest large
amount of funds. It is also the most preferable. 65 companies i.e. (78.31%) prefer Retail clients. 60
companies i.e. (71.41%) prefer Corporate clients. 47 companies i.e. (55.95%) prefer NRI clients. 5
companies i.e. (5.95%) didn’t answer the question as it was against their company’s policy to provide
this information.
The companies prefer HNI clients because they invest large sums of money which in turn helps companies to
increase their profits or charge more commission from them.
4) The Bar Graph and the Pie Chart given below represent the AUM ( Assets Under
Management) of the companies clients.

Figure No.7: Assets Under Management
82.14
78.31
71.42
55.95
5.95
Client base
HNI's
Retail
Corporate
NRI
Can't Provide
22
24
16
13
9
0
5
10
15
20
25
30
More
than 1
Crore
1-5 Crore Less than
Crore
Varies Can't
Provide
Assets Under Mnagement
Assets Under Mnagement

Figure No.8: Assets Under Management
22 companies i.e. (26.19%) companies clients have AUM more than 1 crore, 24 (28.57%) have AUM of
!-5 Crore, 16 (19.04%) have AUM of less than 5 crore, 13 (15.47%) answered varies and 9 (10.71%)
didn’t provide the information as it was against their company policy.
Companies having an AUM of more than 1 crore generally have more HNI clients than retail, corporate or
NRI clients.
5) The Bar Graph and the Pie Chart given below represent the number and percentage of
companies who would like their clients to get loan facilities from ABFL.


Figure No.9: Loan Facilities
26.19
28.57
19.04
15.47
10.71
Assets Under Management
More than 1 Crore
1-5 Crore
Less than Crore
Varies
Can't Provide
22
28
44
0
5
10
15
20
25
30
35
40
45
50
Yes No May Be
Loan Facilities
Loan Facilities

Figure No.10: Loan Facilities
22 companies i.e. (26.19%) answered yes as they had clients who wanted loans to fund their needs.
28 companies i.e. (33.33%) answered no as they were not sure whether their clients would be
interested in taking loan facilities and some clients already had tie ups with other banks. 44
companies i.e. (52.38%) answered may be because their decision was dependent on the loan rates
being negotiated.
6) The Bar Graph and the Pie Chart given below represent the number and percentage of
companies who would like to work in association with ABFL.


Figure No.11: Association With ABFL
26.19
33.33
52.38
Loan Facilities
Yes
No
May Be
26
16
42
0
5
10
15
20
25
30
35
40
45
Yes No May Be
Association With ABFL
Association With ABFL

Figure No.12: Association with ABFL
26 (31%) companies answered yes, 16 (19%) answered no as they already had tie ups and 42 (50%)
answered may be.
7) The Bar Graph and the Pie Chart given below represent the HNI’s, where they like to invest
their funds.



Figure No.13: HNI’s

31
19
50
Association With ABFL
Yes
No
May Be
33
11
2
9
14
0
5
10
15
20
25
30
35
Only Real
Estae
Only Equity Others Equity and
Others
Both Real
Estate and
Equity
HNI's
HNI's

Figure No.14: HNI’s
33 i.e. (47.82%) HNI’s prefer to invest in real estate as it is profitable and less riskier. 11 i.e.
(15.94%) HHI’s prefer to invest in only equity. 9 i.e. (13.04%) prefer to invest in equity and
others, 2 i.e. (2.89%) in others and 14 i.e. (20.28%) both in real estate and equity.
People from HNI segment prefer real estate because of its more profitability and less risk involved.

8) The Bar Graph and the Pie Chart given below represent the Retail segment, where they like
to invest their funds.


Figure No.15: Retail Segment
47.82
15.94
2.89
13.04
20.28
HNI's
Only Real Estate
Only Equity
Others
Equity and Others
Both Real Estate and Equity
30
10
2
10
13
0
5
10
15
20
25
30
35
Only Real
Estate
Only Equity Others Equity and
Others
Both Real
Estate and
Equity
Retail segment
Retail segment

Figure No.16: Retail segment
Under the retail segment, 30 i.e. (46.15%) prefer only real estate, 10 i.e. (15.38%) prefer only
equity, 2 i.e.( 3.07%) prefer only equity, 10 i.e. (15.38%) prefer equity and others and 13 i.e.
(20%) prefer both real estate and equity.
People from Retail segment invest small sums of money and don’t want to take much risk in their
investments. Therefore, they also prefer investing their funds in Real Estate and less in equity and
others.
9) The Bar Graph and the Pie Chart given below represent the Corporate segment, where they
like to invest their funds.


Figure No.17: Corporate segment
46.15
15.38
3.07
15.38
20
Retail segment
Only Real Estate
Only Equity
Others
Equity and Others
Both Real Estate and Equity
29
8
2
10
11
0
5
10
15
20
25
30
35
Only Real
Estate
Only Equity Others Equity and
Others
Both Real
Estate and
Equity
Corporate Segment
Corporate Segment

Figure No.18: Corporate segment
Under the Corporate Segment, 29 i.e. (48.33%) prefer to invest in only real estate, 8 i.e. (13.33%)
prefer only equity, 2 i.e. (3.33%) prefer others, 10 i.e. (16.66%) prefer equity and others and 11 i.e.
(18.33%) prefer both real estate and equity.
10) The Bar Graph and the Pie Chart given below represent the NRI’s, where they like to invest
their funds.


Figure No.19: NRI segment
48.33
13.33
3.33
16.66
18.33
Corporate Segment
Only Real Estate
Only Equity
Others
Equity and Others
both Real Estate and Equity
25
7
2
7
6
0
5
10
15
20
25
30
Only Real
Etsate
Only Equity Others Equity and
Others
Both Real
Estate and
Equity
NRI's
NRI's

Figure No.19: NRI segment

Under NRI’s Segment, 25 i.e. (53.19%) prefer to invest in only real estate, 7 i.e. (14.89%) prefer only
equity, 2 i.e. (4.25%) prefer others, 7 i.e. (14.89%) prefer equity and others and 6 i.e. (12.76%) prefer
both real estate and equity.

NRI’s generally have less knowledge about Indian prices and risk associated with their investments.
Therefore they prefer to invest funds where less risk is involved i.e. real estate. Generally the ratio of their
investments is 2:1 (real estate : equity).












53.19
14.89
4.25
14.89
12.76
NRI's
Only Real Estate
Only Equity
Others
Equity and Others
Both Real Estate and Equity
Chapter-5
Conclusion and Recommendations
Conclusion
According to the above analysis I conclude the following points-
1) Companies like to invest more in Real Estate because of growing development and appreciation
in property prices.

2) The client base preferred by most companies is HNI’s and retail segment.

3) HNI’s are preferred the most because they invest large amount of funds with the company.
HNI’s generally approach companies providing Private Wealth Management Services.

4) The AUM of most of the companies clients is either 1-5 crore or more than 1 crore.

5) Most companies answered may be when asked if their clients would be interested in taking loan
facilities from ABFL because their decision was dependent upon the negotiation of loan rates or
projects that ABFL was ready to fund.

6) People from every segment either HNI’s or NRI’s or Retail or Corporate prefer to invest in
only Real Estate because it is the most profitable and carries less amount of risk when
compared with other sectors example Equity.

Recommendations
1) To target companies such as Angel Broking, SMC, Raj Nandini, Lintas etc because they are looking
for a financial partner and have a good client base.
2) People from Retail segment invest small sums of money so in order to increase their investment they
generally require loans. Therefore, target companies having a good number of retail clients.
3) Tie up with companies providing Real Estate services because of new projects being launched and
their customers will require loan facilities to fund their investment needs.






Bibliography
1) http://adityabirlafinance.com/Pages/Individual/About-Us/Company-Profile.aspx

2) http://adityabirlafinance.com/Pages/Individual/Our-Solutions/Capital-Market.aspx

3) http://adityabirlafinance.com/Pages/Individual/Our-Solutions/Corporate-Finance.aspx

4) http://adityabirlafinance.com/Pages/Individual/Our-Solutions/Mortgage-Solutions.aspx

5) http://adityabirlafinance.com/Pages/Individual/Our-Solutions/Structured-Finance.aspx

6) http://en.wikipedia.org/wiki/Wealth_management

7) http://en.wikipedia.org/wiki/Loan

8) http://www.adityabirla.com/the_group/index.htm

9) http://www.adityabirlanuvo.com/aboutus/index.aspx?id=VQnaaH3tLmI%3d

10) Project made on field experience and analysis of answers to the questionnaires.









Appendix
Sample Questionnaire
Questionnaire
Please fill the following questions so that we can get some information about your company and your
clients.
Company Name:
Company Address:
Name:
Designation:
Contact no.:

1. Do you provide facilities of private wealth management?

2. Where do you invest your client’s funds?
1) Real estate 2) Equity 3) Others

3. What is your client base?

4. Classification of your clients in terms of AUM (Assets Under Management)
1) < 1 crore 2) 1-5 crore 3) > 5 crore

5. What are the other facilities that you offer to your clients?

6. Would any of your client be interested to obtain loan facilities from us?

7. Would your company be interested in working in association with Aditya Birla Finance Limited?

Thank you for cooperation



List of Respondents
Table No.4- List of respondents
Sr.
No. Company Name Address Remarks
1
Edelweiss Securities Pvt
Ltd
603,6th floor, Mercantile House,
15 K G Marg, CP
Offer some of the same products and for the
rest in tie up with axis bank and bajaj. But for
any more info or tie up contact mumbai
office.
2 SMC Global finance
11/5B, 3rd floor, pusa road, near
rajendra place metro station
They want a senior person to contact them
with a proposal and mail them the
questionnaire.
3 CD Eqiusearch Pvt Ltd
Antariksh bhawan, 517/519 , 5th
floor ,22 K G Marg, CP They have filled the questionnaire.
4
Prudent Corporate
Advisory Services Ltd
705, 7th floor, Indra Prakash
Building, Barakhamba Road They have filled the questionnaire.
5 Sahara Mutual Funds
office no. 310, Deep Shikha, 3rd
Floor,8, Rajendra Place They have filled the questionnaire.
6 Globe Capital Markets
1105, 10th floor, Ansal Bhawan,
KG Marg,CP
They offer the same products and have filled
the questionnaire but don’t want to get into
any tie up.
7 Way to Wealth
1st floor, DCM Building,
Barakhamba Road, CP They have filled the questionnaire.
8
Emkay Global Finance
Services Ltd
401, 4th floor , New Delhi
House, 27, Barakhamba
Road,CP They have filled the questionnaire.
9 Angel Broking Ltd
A-56, Part-70, Najafgarh Road,
Opp. Moti nagar police station They have filled the questionnaire.
10
Destimoney Securities
Private Ltd
Plot no. 9, Mansarover Garden,
opp. Shahid bhagat singh park They have filled the questionnaire.
11 Kassa Finvest Pvt Ltd
WEA 17A/53, Gurudwara road,
Near Metro Station, Karol Bagh They have filled the questionnaire.
12 Anand Rathi
911/912, Ansal Bhawan, 16 K G
Marg, CP They have filled the questionnaire.
13 J P Morgan
714-715, Narain Manzil,
Barakhamba road, CP
Visited 3 times but the concerned person was
not available.
14 PMS Financial Services A-25/28, 2nd floor, middle They have filled the questionnaire.
circle, CP
15 J M Financial
114, 1st floor, Himalaya House,
23 KG Marg They have filled the questionnaire.
16 Nirmal Bang
1st floor, New Delhi House,
Barakhamba Road, CP They have filled the questionnaire.
17 Enam Securities Pvt Ltd
M-39 ,outer circle ,2nd floor ,
CP They have filled the questionnaire.
18 IL&FS
World Trade centre, Room no.
107, ground floor, babar road They have filled the questionnaire.
19 DA vision D-2, sector 3, Noida They have filled the questionnaire.
20
Revyqa real Estate Fund/
Lintas wealth
Management Pvt Ltd
409, 4th floor, Chokhani Square,
Sector-18, Noida They have filled the questionnaire.
21 Bonanza
305/306, Ocean Plaza, sector-
18, Noida They have filled the questionnaire.
22 RR Investors
UGF- 3, Ocean Plaza, Sector-
18,Noida They have filled the questionnaire.
23 Fairwealth Securities Ltd
UGF- 8, Ocean Plaza, Sector-
18,Noida They have filled the questionnaire.
24 Elite Stock
26, Second Floor, Ansal Fortune
Arcade, Sector-18, Noida They have filled the questionnaire.
25
BMA Wealth Creators
Ltd N-9, 3rd Floor, sector- 18, Noida They have filled the questionnaire.
26 India Infoline Ltd
UGF- 4, Ocean Plaza, Sector-18,
Noida They have filled the questionnaire.
27 Royal Investments
LGF-59, Ansal Fortune Arcade,
Sector-18, Noida They have filled the questionnaire.
28 United Realtors
82, First Floor, Ansal Fortune
Arcade, Sector-18, Noida They have filled the questionnaire.
29 Gensis Reality N-8, 3rd Floor, sector- 18, Noida They have filled the questionnaire.
30 Real Estate factory
114, 1st floor, Chokhani Square,
sector-18, Noida They have filled the questionnaire.
31
Osgan Realty Services
Pvt Ltd
309, Chokhani Square, P-4,
Sector-18, Noida They have filled the questionnaire.
32 Equityrush
421, 4th floor, Ocean Plaza,
Sector-18, Noida They have filled the questionnaire.
33 Capital Estate 409, 4th floor, Ocean Plaza, They have filled the questionnaire.
Continued on next page
Sector-18, Noida
34 EMAC
210, Ocean Plaza, Sector-18,
Noida They have filled the questionnaire.
35 S Sukhija & associates
LG- 37&38, Ansal Fortune
Arcade, Sector-18, Noida They have filled the questionnaire.
36
Rajdhani Properties
management Services
LGF-87, Ansal Fortune Arcade,
Sector-18, Noida They have filled the questionnaire.
37 Chawla Investors Hub
LGF- 84-85, Ansal Fortune
Arcade, Sector-18, Noida They have filled the questionnaire.
38 Sirohi estates Pvt Ltd
LGf-52-53, Ansal Fortune
Arcade, Sector-18, Noida They have filled the questionnaire.
39
Heaven Lea Propmart Pvt
Ltd
UGF- 28B, Chokhani Square,
sector- 18, Noida They have filled the questionnaire.
40 WealthDirect
SF-20, ansals Fortune Arcade,
Sector- 18, Noida They have filled the questionnaire.
41 Om reality Infrastructures
UGF-7,8,Chokhani Square,
sector- 18, Noida They have filled the questionnaire.
42
Shubh Labh Realtors Pvt
Ltd
311, 3rd Floor ,Chokhani
Square, sector- 18, Noida They have filled the questionnaire.
43
SubhSantosh Real Estate
Pvt Ltd
UGF-11 Chokhani Square,
sector- 18, Noida They have filled the questionnaire.
44
Prithvee Real Estate
Services
S-2, 2nd Floor, Savitri Market,
near sector 18 metro station,
Noida They have filled the questionnaire.
45 Sona Estate
B-12, Ocean Plaza, Sector-18,
Noida They have filled the questionnaire.
46 Royal Estates
207, 2nd floor, Ocean Plaza,
Sector 18, Noida They have filled the questionnaire.
47 Aditya Estates
LGF-14, Ansal Fortune Arcade,
Sector 18, Noida They have filled the questionnaire.
48 Global Reality
F-6, Krishna Apra Plaza, Sector
18, Noida They have filled the questionnaire.
49
Prop World Realty Pvt
Ltd
P3, Krishna Apra Plaza, F1 First
Floor, Sector 18, Noida They have filled the questionnaire.
50
Raj Nandini Estaes Pvt
Ltd
509, 5th Floor, Chokhani
Square, Sector 18, Noida They have filled the questionnaire.
51
Parmatma Real Estate
Services
312, 3rd Floor, Vishal
Chambers, Sector 18, Noida They have filled the questionnaire.
52 N. JaiKishan Estates
206, Krishna Apra Plaza, P-3,
Sector-18, Noida They have filled the questionnaire.
53 SPS Proptech Pvt Ltd
220, 2nd Floor, Krishna Apra
Plaza, Sector- 18, Noida They have filled the questionnaire.
54 Trintra Reality Pvt Ltd
608, 6th Floor, Krishna Apra
Plaza, Sector- 18, Noida They have filled the questionnaire.
55 Soni Real Estate
219, 2nd Floor, Krishna Apra
Plaza, Sector-18, Noida They have filled the questionnaire.
56
Shree Kunjbihari
Propmart Pvt Ltd
314, 3rd Floor, Krishna Apra
Plaza, Sector-18, Noida They have filled the questionnaire.
57 Reality Options
210, 2nd Floor, Vishal
Chambers, Sector 18, Noida They have filled the questionnaire.
58
Multigain Financial
Services
402, 4th floor, Vishal Chambers,
Sector 18, Noida They have filled the questionnaire.
59
Opulence Investment and
mutual fund Advisory
Chokhani Square, Sector 18 ,
Noida
Either already have a tie up or in talks with
ABFL.
60 Paul Merchents Ltd
11/5B, 1st floor, pusa road, near
rajendra place metro station
They have stopped wealth management and
the clients they have are few
61 Alankit Assignment
2E/8, Jhande wala Extension,
near jhandewalan metro station
mainly deal in mutual funds and IPO and also
give other facilities and didn’t want to talk
about any tie up
62 Kay net capital
55 Panchkuian Road, Opp. Pillar
No. 6, Panchkuian road, CP
It was a marketing unit. Investment Advisory
at head office Pune.
63 JP Morgan
714-715, Narain
Manzil,Barakhamba Road, CP
Visited 3 times but the concerned person was
not available.
64
Benchmark Asset
Management Company
506, 5th Floor, Ambadeep
building, 14 K G marg Already in talks with Aditya Birla
65
Quantum Asset
Management Company
305, New Delhi House,
Barakhamba Road, CP
All branches shifted to Mumbai and some of
its work done by Karvy
66
Tauras Asset
Management Company
Ltd
UGF, Kanchenjunga building,
18 Barakhamba road, CP
Investment advisory shifted to Mumbai and
deals only in mutual fund
67
Sundaram Asset
Management Company
605, 6th floor, Ashoka Estate, 24
Barakhamba Road, CP
Wealth Management not at this branch and
not also sure if they give wealth management
facilities. Other branch at Rajendra Place.
68
Ask Wealth Advisors Pvt
Ltd
M-4, Kanchenjunga building, 18
Barakhamba Road Recently shifted to Gurgaon.
69
RBH Brokers and
Consultants Pvt Ltd
UG-2, 17A/56, Triveni Plaza,
WEA, Karol Bagh Concerned person not available
70 Client Associates
Fourth Floor, 402, World Trade
Center, Babar road, CP Concerned person not available
71 PUG Securities Pvt Ltd
803-804, 8th floor, Arunachal
Building, 19 Barakhamba
Road,CP
Wealth management is not at this branch and
they don't know other branches address.
72
India Pacific Securities
and Financial services C-36, inner circle, 3rd floor, cp Company getting closed
73
Fullerton Securities and
Wealth Advisors Ltd
Ground floor 16, Antariksh
Bhawan, K G Marg Shifted to karol bagh
74
Growth Avenue
Securities Pvt Ltd
811, Kailash building, 26 K G
Marg Stopped giving wealth management facilities
75 Microsec Capital Ltd
417, World Trade Center, 4th
floor, Babar road, CP Either shifted somewhere or company closed
76 Latika Malhotra
DCM building, 1st floor,
Barakhamba road, CP Wrong Address
77 Karvy Wealth
1117, Arunachal building, 19
Barakhamba road, CP They offer some of the same products.
78 Integrated Enterprises Ltd
UG-30, Suneja Tower-2, District
centre, Janakpuri
For a tie up contact head office. They have
given their news letter which also consists of
their head office details.
79 SME Realtors
UG-21, Jyoti Shikhar building,
district Centre, Janakpuri They have filled the questionnaire.
80 Rajesh Associates
B-6, Suneja Tower-1, district
Centre, Janakpuri They have filled the questionnaire.
81 Accord Realty Services
510, Suneja Tower-1, District
centre, Janakpuri They have filled the questionnaire.
82 IFCI Financial Services
310, Suneja Tower-1, District
centre, Janakpuri They have filled the questionnaire.
83 Amrapali Aadya
UG- 10, Suneja Tower-1,
District centre, Janakpuri They have filled the questionnaire.
84
SHRIRAM General
Insurance
202-203, Suneja Tower-1,
District centre, Janakpuri They have filled the questionnaire.
85 Trustline Securities Ltd 309, Vishwa Sadan building, For tie up purpose contact office in noida
District centre, Janakpuri
86 Vivek Financial focus Ltd
111, Vishwa Sadan building,
District centre, Janakpuri Do not want to get in any tie up
87
RK Stock Holding Pvt
Ltd
401, DDA-1 building, District
centre, Janakpuri
They don’t talk to anyone during trading
hours.
88 Sharekhan
506, DDA-1 building, District
centre, Janakpuri For a tie up contact office at Rajouri Garden.
89
Nine o Nine Real Estate
Pvt Ltd
30, First floor, Ansal Fortune
Arcade, Sector-18, Noida They want the proposal to be mailed to them.
90
Dreamland Promoters and
Consultants Pvt Ltd
211-213, 2nd floor, Krishna
Apra Plaza, Secor-18, Noida They want the proposal to be mailed to them.
91 Malhotra Estate
208, 2nd floor, Krishna Apra
Plaza, Secor-18, Noida They want the proposal to be mailed to them.
92 SDS Infracon Pvt Ltd
403, 4th floor, Krishna Apra
Plaza, Secor-18, Noida They want the proposal to be mailed to them.
93 Uber Homes Pvt Ltd
411, 4th floor, Krishna Apra
Plaza, Secor-18, Noida They want the proposal to be mailed to them.
94 Empire Infrabuild Pvt Ltd
F-2, First floor, Krishna Apra
Plaza, Secor-18, Noida They want the proposal to be mailed to them.
95
HR Investments and
Finance
UG-4, Suneja Tower-1, District
centre, Janakpuri They don’t want to get into any tie up.
96
Zauri Insurance Brokers
Ltd
503-504, Suneja tower-1,
District centre, Janakpuri Concerned Person not available
97 Geojit Securities Ltd
307, Suneja tower-1, District
centre, Janakpuri
They offer some of the same products and for
the rest they have a tie up with some other
company.
98
Unive5sal SampoGeneral
Insurance Pvt Ltd
514, Shakuntala Building, 59
Nehru Place They have filled the questionnaire.
99 Geojit BNP Paribas
23 and 28, 2nd floor, Satkar
building,79-80Nehru Place They have filled the questionnaire.
100 Radha Krishna Properties
B-11/3, mansarover building, 90
Nehru Place They have filled the questionnaire.
101
Shriram Insight Share
Brokers Ltd
304,Suneja Tower-2, District
Centre, Janakpuri They have filled the questionnaire.
102 Kalra Realtors
706, Hemkunt Chambers,89
Nehru Place They have filled the questionnaire.
103 Bagga Properties
Ground Floor Lobby, Hemkunt
Chambers,89 Nehru Place They have filled the questionnaire.
104 Invest Shoppe India
A-2,3,4 3rd floor, HB Twin
tower, They have filled the questionnaire.
105 J p Sindhi Properties
G-70, Aggarwal millenium 2,
Netaji Subhash Place They have filled the questionnaire.
106 Intouch Securities Ltd
905, Aggarwal Corporate
Heights, Netaji Subhash Place They have filled the questionnaire.
107 Ahuja Estates
G-73, Aggarwal millenium 2,
Netaji Subhash Place They have filled the questionnaire.
108 Tcon Realty Pvt Ltd
373, Aggarwal millenium 2,
Netaji Subhash Place They have filled the questionnaire.
109 Navjyoti Properties
G-75, Aggarwal millenium 2,
Netaji Subhash Place They have filled the questionnaire.
110 Pinnacle Consulting
206, Chiranjiv Tower, 43, Nehru
Place They have filled the questionnaire.
111 Open Futures
403, Chiranjiv Tower, 43, Nehru
Place They have filled the questionnaire.
112 JV Capital Services
805, Chiranjiv Tower, 43, Nehru
Place They have filled the questionnaire.
113
CMS Insurance Brokers
Pvt Ltd
606, Chiranjiv Tower, 43, Nehru
Place They have filled the questionnaire.
114
LSI Financial services
Pvt Ltd
1201, Chiranjiv Tower, 43,
Nehru Place They have filled the questionnaire.
115
Bharat dogra Property
Consultant
F-15 Shopping Centre 1
Mansarover Garden They have filled the questionnaire.
116
Smart Equity Brokers Pvt
Ltd
F-88, OPP, TDI Paragon Mall,
Rajouri Garden They have filled the questionnaire.
117 Taneja And co. Pvt Ltd
209, Ansal Classic Tower, J
Block, OPP. Surya Hotel,
Rajouri Garden They have filled the questionnaire.
118 Aegis Capital
34, Plot No.1, J Block
Community Centre, Rajouri
Garden They have filled the questionnaire.
119 Sharekhan
A- 29, 2nd floor, Facing ring
road, Rajouri Garden They have filled the questionnaire.
120 Kawal Properties E-20 Saraswati Garden They have filled the questionnaire.
121 Anand Properties
G-23, Aggarwal Corporate
Heights, Netaji Subhash Place They want the proposal to be mailed.
122
GDB Share and Stock
Broking Services Ltd
115A, Hemkunt Chambers,98
Nehru Place They want the proposal to be mailed.
123 Master Trust
315, Ansal Classic Tower, J
Block, OPP. Surya Hotel,
Rajouri Garden They want the proposal to be mailed.
124 Rajgul Securities Pvt Ltd
474-475, Aggarwal millenium 2,
Netaji Subhash Place They want the proposal to be mailed.
125 Integrated Enterprises Ltd
316, Hemkunt Chambers,89
Nehru Place They want the proposal to be mailed.
126 Hartirath Singh and co.
47, DDA Complex, Community
Centre, Rajouri Garden They want the proposal to be mailed.
127 Narayan Securities Ltd A-2 3rd Floor, Rajouri Garden They don’t want a tie up.
128
Kare India Insurance
Brokers
1404A, Chiranjiv Tower, 43,
Nehru Place They don’t want a tie up.
129 Ahluwalia Properties F-174, Mansarover Garden They don’t want a tie up.
130 Millenium Properties
G-87, Aggarwal millenium 2,
Netaji Subhash Place
They are new in the market so they don't have
much business.











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