BAJAJ CAPITAL BROKING LIMTED

SUBMETTED TO SUBMETTED BY BAJAJ CAPITAL RISHI Kr. GUPTA MBA 3RD Semester

PREFACE
There are number of forces that make marketing an endlessly changing activity. The constantly changing activity sociological, psychological and political environment may represent the uncontrollable marketing factors. To understanding these factors in a better way marketing research is of utmost importance. This Project Report has been completed in Partial fulfillment of my management Program, Post Graduate Diploma in Business Management (PGDBM) in the company BAJAJ CAPITAL BROKING LTD. The objective of my project was TO LEARN THE WORK AND SOME BENEFITIAL INVESTMENT OPTIONS IN INVESTMENT INDUSTRY. All students learn theoretical subjects in their classroom, but as we are the management students, apart from theoretical studies we need to get a deeper insight into the practical aspects of those theories by working as a part of organization during our summer training. Training is a period in which a student can apply his theoretical knowledge in practical field. Basically practical knowledge and theoretical knowledge have a very broad difference. So this training has high importance as to know how both the aspects are applied together. The study of management acquires most crucial position in the business administration. In order to be successful, it is necessary to give priority to the management in an organization. But it cant be denied that the study of management would be more educational, materialistic and even more interesting, if it is to be paired with the work in organization as an employee.

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ACKNOWLEDGEMENT
This project has been prepared as a part of an internship required during the completion of PGDBM programmed at IIMT, Gr.Noida (U.P). I was involved with BAJAJ CAPITAL BROKING LIMITED, LUCKNOW for a period of 45 days, and I came across a lot of officials who devoted their time and effort towards acclimatizing me to the workings of their organization. I express my heartiest gratitude to Mr. FAIZULLAH KHAN(Regional Manager) and my guide Ms.NITIN MISHRA (BRANCH MANAGER), who was there to introduce me to the idea of BAJAJ CAPITAL & its processes. Also under her guidance and leadership I was able to enhance my inter-personal skills. I would also like to extend thanks to Mr.FAIZULLAH KHAN (Regional Manager-Client Acquisition Team) & Ms.NITIN MISHRA, preparation of the report. These past 45 days were of utmost importance as they added value towards my path of knowledge. I would like to end this acknowledgement by thanking the customers, at large with whom I have interacted during the course of my training. With special thanks to Mr. Amit Kumar Srivastava
M.B.A.(Finance)

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DECLARATION
The summer training project on Check And Increase Awareness under the guidance of Ms NITIN MISHRA is the original work done by me. This is the property of Institute & use of this report without prior information of the Institute will be considered illegal & actionable.

DATE:

SIGNATURE

RISHI KUMAR

EXECUTIVE SUMMARY
The PGDBM course offered by the ISHAN INSTITUTE OF MANAGEMENT & TECHNOLOGY has its own unique syllabus which requires its PGDBM students to undertake an internship with any of the leading business houses for a period ranging from 6 weeks to 8 weeks during the second semester. The purpose of this internship is to enable the students to appreciate and understand the nuances of the practical world vis--vis the theoretical input administered during regular academic sessions. This helps in creating Managers who are equipped with the experience of linking the theoretical inputs with those of practical exposure
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and come out with creative solutions / ideas in enhancing the business. In partial fulfillment of PGDBM degree of ISHAN INSTITUTE OF MANAGEMENT & TECHNOLOGY, I took up this organizational study. Experience and knowledge that I gained from Bajaj Capital Broking Limited are elaborated in the following pages. Investment is making the money work for you. Idle saved money will be eroded of its value by reduction in purchasing power. Investing smartly makes money grow. In other words, one must involve funds available in such avenues that may counter balance the reduction of real value. Assets whose value increases over time must be chosen for such purpose. The investments must offer maximum advantages to the investor. Now there are a number of investments avenues available to common man. Recently all financial products investment opportunities come with some or other innovations. It is on investors choice for investing where he feel he would get more returns for his invested money. Bajaj Capital broking limited at Lukhnow consists of all functions of Bajaj Capital like registrar, mutual fund advisory, insurance & services like Initial Public Offers (IPOs) processing, share holder servicing, effecting corporate actions, investor information services and host of technology enabled services to facilitate efficient and effective service delivery.

INTRODUCTION
The Insurance sector in India governed by Insurance Act, 1938, the Life Insurance Corporation Act, 1956 and General Insurance Business (Nationalisation) Act, 1972, Insurance Regulatory and Development Authority (IRDA) Act, 1999 and other related Acts. With such a large population and the untapped market area of this population Insurance happens to be a very big opportunity in India. Today it stands as a business growing at the rate of 15-20 per cent annually. Together with banking services, it adds about 7 per cent to the countrys GDP .In spite of all this growth the statistics of the penetration of the insurance in the country is very poor. Nearly 80%
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of Indian populations are without Life insurance cover and the Health insurance. This is an indicator that growth potential for the insurance sector is immense in India. It was due to this immense growth that the regulations were introduced in the insurance sector and in continuation Malhotra Committee was constituted by the government in 1993 to examine the various aspects of the industry. The key element of the reform process was Participation of overseas insurance companies with 26% capital. Creating a more efficient and competitive financial system suitable for the requirements of the economy was the main idea behind this reform. Since then the insurance industry has gone through many sea changes .The competition LIC started facing from these companies were threatening to the existence of LIC .since the liberalization of the industry the insurance industry has never looked back and today stand as the one of the most competitive and exploring industry in India. The entry of the private players and the increased use of the new distribution are in the limelight today. The use of new distribution techniques and the IT tools has increased the scope of the industry in the longer run.

INDIAN INSURANCE MARKET HISTORY

Insurance has a long history in India. Life Insurance in its current form was introduced in 1818 when Oriental Life Insurance Company began its operations in India. General Insurance was however a comparatively late entrant in 1850 when Triton Insurance company set up its base in Kolkata. History of Insurance in India can be broadly bifurcated into three eras: a) Pre Nationalization b) Nationalization and c) Post Nationalization. Life Insurance was the first to be nationalized in 1956. Life Insurance Corporation of India was formed by consolidating the
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operations of various insurance companies. General Insurance followed suit and was nationalized in 1973. General Insurance Corporation of India was set up as the controlling body with New India, United India, National and Oriental as its subsidiaries. The process of opening up the insurance sector was initiated against the background of Economic Reform process which commenced from 1991. For this purpose Amphora Committee was formed during this year who submitted their report in 1994 and Insurance Regulatory Development Act (IRDA) was passed in 1999. Resultantly Indian Insurance was opened for private companies and Private Insurance Company effectively started operations from 2001.

INSURANCE MARKET- PRESENT:

The insurance sector was opened up for private participation four years ago. For years now, the private players are active in the liberalized environment. The insurance market have witnessed dynamic changes which includes presence of a fairly large number of insurers both life and nonlife segment. Most of the private insurance companies have formed joint venture partnering well recognized foreign players across the globe. There are now 29 insurance companies operating in the Indian market 14 private life insurers, nine private non-life insurers and six public sector companies. With many more joint ventures in the offing, the insurance industry in India today stands at a crossroads as competition intensifies and companies prepare survival strategies in a detariffed scenario. There is pressure from both within the country and outside on the Government to increase the foreign direct investment (FDI) limit from the current 26% to 49%, which would help JV partners to bring in funds for expansion. There are opportunities in the pensions sector where regulations are being framed. Less than 10 % of Indians above the age of 60 receive pensions. The IRDA has issued the first licence for a standalone health company in the country as many more players wait to enter. The health insurance sector has tremendous growth potential, and as it matures and new players enter, product innovation and enhancement will increase. The deepening of the health database over time will also allow players to develop and price products for larger segments of society. STATE INSURERS CONTINUE TO DOMINATE There may be room for many more players in a large underinsured market like India with a population of over one billion. But the reality is that the intense competition in the last five years has made it difficult for new entrants to keep pace with the leaders and thereby failing to make any impact in the market. Also as the private sector controls over 26.18% of the life insurance market and over 26.53% of the non-life market, the public sector companies still call the shots. The countrys largest life insurer, Life Insurance Corporation of India (LIC), had a share of 74.82% in new business premium income in November 2005. Similarly, the four public-sector non-life insurers New India Assurance, National Insurance, Oriental Insurance and United India Insurance had a combined market share of 73.47% as of October 2005. ICICI Prudential Life Insurance Company continues to lead the private sector with a 7.26% market share in terms of fresh premium, whereas ICICI Lombard General Insurance Company is the leader among the private non-life players with a 8.11% market share.
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ICICI Lombard has focused on growing the market for general insurance products and increasing penetration within existing customers through product innovation and distribution. REACHING OUT TO CUSTOMERS No doubt, the customer profile in the insurance industry is changing with the introduction of large number of divergent intermediaries such as brokers, corporate agents, and bancassurance. The industry now deals with customers who know what they want and when, and are more demanding in terms of better service and speedier responses. With the industry all set to move to a detariffed regime by 2007, there will be considerable improvement in customer service levels, product innovation and newer standards of underwriting. INTENSE COMPETITION In a de-tariffed environment, competition will manifest itself in prices, products, underwriting criteria, innovative sales methods and creditworthiness. Insurance companies will vie with each other to capture market share through better pricing and client segmentation. The battle has so far been fought in the big urban cities, but in the next few years, increased competition will drive insurers to rural and semi-urban markets. GLOBAL STANDARDS While the world is eyeing India for growth and expansion, Indian companies are becoming increasingly world class. Take the case of LIC, which has set its sight on becoming a major global player following a Rs280-crore investment from the Indian government. The company now operates in Mauritius, Fiji, the UK, Sri Lanka, Nepal and will soon start operations in Saudi Arabia. It also plans to venture into the African and Asia-Pacific regions in 2006. However, with robust reinsurance programmes in place, insurers have successfully managed to tide over the crisis without any adverse impact on their balance sheets. With life insurance premiums being just 2.5% of GDP and general insurance premiums being 0.65% of GDP, the opportunities in the Indian market place is immense. The next five years will be challenging but those that can build scale and market share will survive and prosper.

PRESENT SCENARIO OF INSURANCE INDUSTRY

v India with about 200 million middle class household shows a huge untapped potential for players in the insurance industry. Saturation of markets in many developed economies has made the Indian market even more attractive for global insurance majors. The insurance sector in India has come to a position of very high potential and competitiveness in the market. Indians, have always seen life insurance as a tax saving device, are now suddenly turning to the private sector that are providing them new products and variety for their choice. Consumers remain the most important centre of the insurance sector. After the entry of the foreign players the industry is seeing a lot of competition and thus improvement of
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the customer service in the industry. Computerisation of operations and updating of technology has become imperative in the current scenario. Foreign players are bringing in international best practices in service through use of latest technologies v The insurance agents still remain the main source through which insurance products are sold. The concept is very well established in the country like India but still the increasing use of other sources is imperative. At present the distribution channels that are available in the market are listed below. Direct selling Corporate agents Group selling Brokers and cooperative societies Bancassurance Customers have tremendous choice from a large variety of products from pure term (risk) insurance to unit-linked investment products. Customers are offered unbundled products with a variety of benefits as riders from which they can choose. More customers are buying products and services based on their true needs and not just traditional moneyback policies, which is not considered very appropriate for long-term protection and savings. There is lots of saving and investment plans in the market. However, there are still some key new products yet to be introduced - e.g. health products. The rural consumer is now exhibiting an increasing propensity for insurance products. A research conducted exhibited that the rural consumers are willing to dole out anything between Rs 3,500 and Rs 2,900 as premium each year. In the insurance the awareness level for life insurance is the highest in rural India, but the consumers are also aware about motor, accidents and cattle insurance. In a study conducted by MART the results showed that nearly one third said that they had purchased some kind of insurance with the maximum penetration skewed in favor of life insurance.

PROFIL OF THE BAJAJ CAPITAL COMPANY

In a world full of 'ready-to-give-free-of-cost-advice' people it is necessary that you choose the one that works in your interest. You need help from a professional investment advisor, who sees investments from your perspective. That's what we do.

WE CREATE WEALTH:
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45 years of experience as Investment Advisors and Financial Planners We give you impartial, research-based and need-based advice We offer a wide range of financial products and services Personalized wealth management advice: We offer investment guidance and portfolio planning. Prompt, courteous service, 24 x 7 online accessibility- www.bajajcapital.com Countrywide network of over 200 branches 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 While choosing an advisor, consider the following factors:

YOUR ADVISOR MUST BE AN ORGANISATION:

Your advisor needs to outlive the life of your investments. This is possible only if your advisor is a company or institution rather than an individual advisor. Also a company has better resources, research expertise, standardized processes and qualified staff to render quality advice and services. It is much safer to deal with a company that has a reputation for honesty, integrity, transparency and ethical dealings than with an individual.

YOUR ADVISOR MUST BE EXPERINECED & REPUTED:

Find out the background and certifications of the firm you want to appoint as your investment advisor. The more the experience of your advisor, the better it is. Find out about the advisor's clientele. This will give you a better idea of what to expect as a client and learning about their security guarantees will give you confidence that you're making the right choice.

MUST HAVE AN ALL-INDIA PRESENCE:

In today's dynamic world, you never know which place or city you might be located at, in the

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future; an advisor with a national footprint will ensure that you do not miss his advice and service, irrespective of your location.

KNOW THE PRODUCTS AND SERVICES:

Decide what you need. Then choose an invest advisory firm that caters to your needs and matches your expectations. Know the breadth and depth of the investment firm's products, the financial services it offers and the planning process it involves to make your wealth grow.

MUST HAVE A RESEARCH DEPARTMENT:

This ensures that you get quality advice on time and are update about the market trends and changes so that accordingly you can review your portfolio.

MUST HAVE AN ONLINE INVESTMENT PLATFORM:

Tech savvy investors will find this attribute very attractive as they will be able to keep track of and manage their investments at the click of a mouse from the comfort of their office or home, at any point of time.

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Our Mission Your one stop Financial Supermarket Our range of Products and Services Financial Planning Services Our Team Investment Advisory Products Offered by Bajaj Capital Financial Planning Services Offered by Bajaj Capital Future Goal Funding Bajaj Capital's Value Added Services Bajaj Capital's In-house Publications for Investors 8 Reasons for you to invest only through Bajaj Capital How to achieve 'Lifetime of Investment success'?

Our Mission

The single focus of our organization is to be the most useful, reliable and efficient provider of Financial services. It is our continuous endeavor to be a trustworthy advisor to our clients, helping them achieve their Financial goals. We are SEBI approved merchant bankers, investment advisors and financial planners. We have a track record of ethical dealings for the last 42 years and have had the honor of helping millions of investors achieve their life's financial goals. Your one stop Financial Supermarket We offer you a comprehensive range of financial products and services, which will help you T achieve your life's financial goals all under one roof. o p Our range of Products and Services Investment Advisory Products Company fixed deposits Bonds Mutual funds Life insurance General insurance Pension schemes Post office schemes Tax saving schemes Insurance linked investment schemes Initial public offerings Housing loans NRI schemes Car insurance Financial Planning Services Investment planning Retirement planning
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 Insurance planning Children's future planning Tax planning Short-term cash flow planning Our Team We have a well-trained professional team comprising of MBAs, CAs, CSs, Financial Analysts, Financial Planners, Investment Experts, Insurance Experts, and Law Graduates.

Investment Advisory Products Offered by Bajaj Capital Company Fixed Deposits Company Fixed Deposits offer better returns than Bank Deposits with minimum lock-in periods. Bajaj Capital offers select Fixed Deposit Schemes of reputed Manufacturing, Finance and Government companies. We offer you wide range of Company Deposit schemes Bonds and Debentures Bajaj Capital arranges taxable and tax-free bonds from Central and State Government Institutions. Mutual Funds Mutual Funds give you market related, realistic returns through proper diversification of risk by investing in debt and equity instruments. They also give you transparency in transactions, anytime liquidity and tax-efficiency. We offer you over 2,000 Equity Funds, Debt Funds and Liquid Funds. Life Insurance Provides for dependents in case of a mishap. Replaces earning power if disabled. Protects your ability to meet accumulation, education, marriage goals.

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We all have financial responsibilities, in the absence of the bread earner, it becomes very difficult to fulfill these. This is the reason for getting yourself and your loved ones a life cover to give you peace of mind also giving protection for critical illness and monthly income. General Insurance Addresses healthcare concerns. Provides for auto, home and personal liability protection. Provides for potential long-term care costs. Plans for business continuation.

While you grow your wealth, you must protect yourself from a stroke of misfortune, which could take away some of your wealth earned over so many years. Pension Schemes A pension scheme is a savings plan that is designed to grow over time to provide you with an

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income during retirement. The government provides tax incentives that allow your fund to grow virtually tax-free. Housing Loans We arrange housing loans for you while helping you save sizeable amounts of tax in the bargain. The loans are for purchase, construction, renovation, etc, and are from the leading Housing Finance Companies, offering competitive interest rates at your door step. Car/Scooter Insurance We offer automobile solutions to safeguard your vehicle from theft, accidents, and other mishaps, ensuring you very easy and hassle free procedures.

Financial Planning Services Offered by Bajaj Capital Financial Planning is the process of meeting your life's goals through proper management of your finances. The process includes gathering relevant financial information, setting your goals, examining your current financial situation and formulating strategies for how you can achieve your goals, given your current financial situation and future plans. At bajaj capital we are dedicated to the financial planning approach and give you advice only after understanding your financial needs.

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Investment Planning Everyone should have secure savings for a rainy day. Once these are in place, you have to start thinking about investing for the future. We help you plan your investments so that you may reach your personal goals by investing according to the risk that you can bear and your recommended mix of investments. Cash Flow Budgeting We analyze your income, expenses, assets and liabilities to see which budgeting techniques you can use to help you reach your current and long-term financial goals. Protection for yourself and your family (Insurance Planning) Your greatest asset during your working years is your ability to earn an income. It is important to adequately safeguard this asset to ensure that your cash flow will continue in the event of an unexpected disaster. Your insurance policies will help you protect yourself and your T dependents (if any) against any unforeseen odds. o p Future Goal Funding Children's education and marriage planning: One of the most important financial goals for every parent is to plan their children's futures so that they can make the steps to success easier for them to climb. Owing to the steep rise in the cost of higher education and marriage, it has become essential to start planning and saving for these events well in advance. We can help you achieve these goals by suggesting prudent investment avenues to you. Asset purchase We all long that one day we are able to purchase our dream house, car or other assets. To help you fulfill these goals, we give you advice on how to accumulate the funds to purchase these
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assets by suggesting monthly savings plans and other investment instruments that will make your money grow to the required amounts. Tax Planning By planning your taxes, we help you reach your personal goals by identifying how to increase your income by saving taxes and by helping you invest in tax saving instruments that fit your personal portfolio and situation. Retirement Planning Planning your income for retirement is one of the most important financial decisions you will ever make. You have to plan your finances so that you may maintain the same standard of living when you are no longer working. In order to ensure that you enjoy your retirement without financial hardships, we urge you to make your own pension plans like Public Provident Fund, with our help. Specialty Service Groups "Wealth Management Group" offers Wealth Management Services for High Net worth Individuals Bajaj Capital offers tailor made Investment Advisory and Financial Planning Services customized exclusively to meet the needs of high net worth individuals. Some of the additional services offered are: Dedicated relationship managers Periodic portfolio review Regular update of portfolio valuation Need based advice "Financial Planning Group" offers comprehensive Financial Planning Services for long-term investors We pride ourselves in helping you meet your life's goals. We do this by helping you assess your goals, plan for them and finally implement them. We take a comprehensive approach to planning your future by including in each financial plan, solutions in all of the following areas: Investment Planning Insurance Planning Cash flow Planning Children's Future Planning Tax Planning Retirement Planning

Bajaj Capital's Value Added Services

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Regular Information Update: We keep you updated on the latest opportunities in the World of Investments. Need Based Advice: Our advice is all 'need based.' We give you customized advice only after understanding your financial goals, risk tolerance and other priorities in life.
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Research Based Advice: Our professional research team will help you with advice that is thoroughly based on the analysis of market dynamics, government policies and a close monitoring of global developments. Investment Health Check: We help you achieve your financial goals by assessing your risk tolerance level and recommending to you a suitable asset allocation model for your investments. Doorstep Service: We have a vast network of branches all over India, helping you to get services at your doorstep. Regular Information: Through our in-house publications like Bajaj Capital Investors India, Investors Outlook, Investments Select List and others, we keep you updated on the latest opportunities in the world of investments. Accessibility: We have branches spread nationwide, covering all important Indian cities almost every nook and corner of the country. Tailor Made Solutions: You get easy transactions and tailor-made solutions through our 'Investment Centers even at the tinkle of a phone. Specialization in all Client Segments We offer Financial Planning for housewives, celebrities, players, doctors, architects, professionals, ambassadors, army officers and the likes

Bajaj Capital's In-house Publications for Investors

Bajaj Capital Investors India: This is our monthly magazine that will help you take the right decisions in matters relating to investments, based on the principles of financial planning. (Priced Publication) Money Multiplying News: This is a fortnightly newsletter that helps you choose the best options available to you for investments during that period. (Free of Cost) Investment's Select List: This is a monthly list of the latest investment options covering all financial products like Company FDs, Equity Mutual Funds, Debt Mutual Funds, Insurance Schemes, and others investment options. (Free of Cost) Investment Outlook: This is a monthly research report which gives an overview of the debt and equity markets and a comprehensive analysis of the various mutual funds' performance based on parameters like risk exposure, return fluctuation and other statistical performance metrics. It also gives a technical trend analysis of the market. (Free of Cost) Tax Planning Guide: This is an annual guide that gives you a comprehensive idea about how to maximize tax benefits by availing beneficial provisions in the tax laws. It educates the reader on how to avail certain exemptions, deductions, rebates and reliefs, in order to minimize their tax liability.

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'8' Reasons for you to invest only through Bajaj Capital

Old Establishment Bajaj Capital is one of the oldest and largest Investment Advisory Companies in India, in operation since 1964. Nationwide Presence and Modern Infrastructure Bajaj Capital has a vast network of 109 offices spread all across the country. Our team of over 1500 highly motivated professionals includes MBAs, CAs, Financial Planners, Financial Analysts, Insurance Experts, Investment Experts and Law Graduates. Our operations are fully computerized.

SEBI Authorization.
Bajaj Capital is a Securities and Exchange Board of India (SEBI) authorized Merchant Banker and Investment Advisory Company. SEBI is a government body specially created for investors' protection. After Sales Service "Service with a smile" is our motto. Our role does not end when you have made your investments. We feel obliged to solve all of your queries and grievances even after you have invested with us. Vast Variety of Schemes: We are a full-fledged "Financial Supermarket" offering advice to our clients on a large variety of financial products. Research Centre: We have a full-fledged Research Centre that constantly monitors and analyses the industry, economy and various scheme performances, helping us give you unbiased investment advice. Independent Investment Advice: We are one of India's few Independent Investment advisory companies. We are not promoted by a bank, a mutual fund or an NBFC, and hence are able to give you truly neutral advice. Strength: Our largest strength is our vast and dedicated clientele of around 6 lac individual investors all over India.

How to achieve "Lifetime of Investment success"? Follow Bajaj Capital's time tested Investment Philosophy

Do not invest directly in the stock market. Take the Mutual Funds route. Safety of principal should be of prime importance. We believe in a controlled (risk) approach to investments. Do not let inflation eat up your money in a savings bank account. Go for superior and stable returns. Have a look at your financial objectives. Your investments should depend upon them. Take the long-term approach to equity investments. Diversify your investments. Do not put all your eggs in one basket. Keep a reasonable amount of liquid cash to meet your emergency needs.
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 Take a balanced approach to investing. Avoid risky investments as well as an overly cautious approach to Investing. Monitor your investments once a month and take corrective action, if required, immediately. Do not try to time the entry and exit of your investments. Every time is a good time to invest if you have a long- term outlook and keep investing regularly. Put no more than 10% of your total investments in one company. Create an ideal portfolio by achieving perfect balance between Risk and returns. Risk and return are two inseparable parts of an investment strategy. They have a direct Higher the risks higher are the returns and vice versa. The very basic consideration of an investor while investing his money are how to maximize one's returns will he get and what are the risks T involved in investing in a particular investment. o p Take the 'MIDDLE PATH APPROACH' to investments Bank Deposits are too defensive, offering very low, real (post tax & inflation) returns. On the other hand, investing in equity shares is too risky. Always take the middle path approach by investing in a wide array of instruments to have an optimum risk trade off.

HISTORY OF THE BAJAJ CAPITAL

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e ss e m r iv li e c se t o n M e e r o c fh a b n e t c o B m a in n k g i n tg o p i n c P l e u n d si in o g n s S t c r h u e c m t e u
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a e ls t. h B ia n j sa u j r a C n a c p e i t sa c l h e r m e e i sn v o e fn t G s I C . F i n a n c i a l P l a n
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i a l P l a n n e r s .

BRANCHES OF BAJAJ CAPITAL

Bajaj Capital Ltd

Bajaj Capital Ltd Bajaj House 97, 5th Floor Nehru Place, New Delhi, 110019, India 011 41693000

Bajaj Capital Investment Centre

19, Dda Market Yusuf Sarai, New Delhi, Delhi 110016, India 011 26863789 G 8 - 9, Ground Floor Opp Jawal Heri Market Block A, Paschim Vihar, New Delhi, Delhi 110087, India 011 25265909

Bajaj Capital Ltd

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 Bajaj Capital

269, Dlf Central Arcade Gurgaon, Gurgaon, Haryana 122001, India 0124 2561388 9,Ground Floor,Rajendra Bhavan Rajendra Place, New Delhi, 110008, India +91 11 25734989

Bajaj Capital

Bajaj Capital Investment Centre

Shop No 4, Fd Market Pitampura, New Delhi, Delhi 110034, India 011 27312742 Ground Floor, Herald House, B.S. Zafar Marg New Delhi - 110002 Phone : 011-23317072, 01123313551, 41508675 F - 4, Plot No. 6, HL Square, Sector V, Dwarka, New Delhi 110075 United India Life Building, F Block, Middle Circle, Connaught Place New Delhi - 110001 Phone : 011-41790444, 011-23314600 DDA Shop No :24, Ground Floor CSC Market No1, I.P Extension, Patparganj New Delhi - 110092 Phone : 011-22233120, 01145515224 Shop No. 3, Ground Floor, B-5, Tagore Market(Next to Post Office), New Delhi - 110015 Phone : 011-25117531, 011Page 58

Bajaj Capital

Bajaj Capital

Bajaj Capital

Bajaj Capital

Kirti Nagar

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25923659

Bajaj Capital Ltd

112,1st Floor,Ansal Chamber-1, Bhikaji Cama Place New Delhi 110066 Phone : 26164343, 26188644 L-26, Kalkaji New Delhi - 110019 Phone : 011-26223507, 01126443761 A- 454 Ground Floor,Defence Colony, Near Rajindra Florist, behind Defence Colony Market New Delhi - 110024 Phone : 01124338180, 011-41553182 C - 660, Near Mata Mandir, New Friends Colony, New Delhi 110065 Phone : 011-41729485-86, 9891441423 Shop No.15, Ground Floor, Deep Cinema Complex Ashok Vihar Phase I Delhi - 110052 Phone : 011-65515221, 011-27461651 F-14/1, Ground Floor, Below Satyam i-Way, Model Town II Delhi - 110009 Phone : 01165515220, 011-27121605 A-13, Acharya Niketan, Mayur Vihar,Phase 1 Delhi - 110091 Phone : 011-22751169, 01122752029

Bajaj Capital Ltd

Bajaj Capital Ltd

Bajaj Capital Ltd

Bajaj Capital

Bajaj Capital

Bajaj Capital

Bajaj Capital
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F-107, 1st Floor, D Block Market Ajanara Complex, Vivek Vihar, Delhi - 110095 Phone : 43036073/74, 9811167800 Shop No. 4, FD Market, Near Madhuban Chowk, Pitampura Delhi - 110088 Phone : 01127315056, 011-27312742 5/201, Sikka Complex, IInd Floor, Community Center, Preet Vihar Delhi - 110092 Phone : 01122509814, 011-22533270 Shop No.11 & 12, 7-A Janak Puri Dist. Centre, (Opp. Janak Puri Transport Authority) New Delhi 110058 Phone : 25552675, 25551976 38, Akhaura Road PS: West Agartala Agartala - 799001 101 Silicon Valley, Near Shivranjini Char Rasta Satellite Road, Ahmedabad Ahmedabad 380015 2-L, `AKIK, Opp. Lions Hall, Near Nalanda Hotel, Mithakhali Six Road, Ellisbridge, Ahmedabad - 380006 more info 26, Ground Floor, Ajmer Tower Kutchery Road, Ajmer - 305001

Bajaj Capital

Bajaj Capital

Bajaj Capital Ltd

Agartala, Tripura India

Satellite Rd

Nalanda Hotel

Ajmer, Rajasthan India

\

Bajaj Capital ltd

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Shop No. F-5 , Indira Bhawan, Civil Lines. Allahabad - 211001 197, Sampige Main Road, Near 11th Cross, Malleswaram , Bangalore - 560003

Bajaj Capital Ltd

Mahatma Gandhi Road ( M G Road)

Unit no 111, 1st floor, A Wing Mittal Towers, M G Road Bangalore - 560001

Bajaj Capital ltd

293/1, 17th Main D , 3rd Block, Rajaji Nagar, Bangalore - 560010 No. 759, Shri Jayalakshmi Nivasa, 100 Ft. Road, Indira Nagar, Bangalore - 560038 No. 4, Lakshmi Mansion, 81/B, 8th Main Road, Next to Kadambam Hotel, 3rd Block, Jaya Nagar, Bangalore - 560011 Raheja Arcade, 1st Floor, No. 122, Koramangala, Bangalore - 560034 Unit 104-107, First Floor, A Wing Mittal Towers, M.G. Road, Bangalore Bangalore - 560001 Shop No. 6, First Floor, Jyoti Cinema, Complex, M.P. Nagar, Zone - I Bhopal - 462001 Metro House, Second Floor, APage 61

Bajaj Capital ltd

Bajaj Capital ltd

Bajaj Capital ltd

Bajaj Capital ltd

Bajaj Capital ltd

Bajaj Capital Ltd

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410, Sahid Nagar, Bhubaneswar 751007

Bajaj Capital Ltd

SCO 341 & 342, First Floor Sector 35B Chandigarh - 160009 K. R. Building, 12, Lattice Bridge Road, Adyar, Chennai - 600020

Bajaj Capital Ltd

Bajaj Capital ltd

19, Wellington Plaza G Floor, 90, Anna Salai Chennai - 600002 1/575, East Coast Road, Kottivakkam, Chennai - 600041 No. 2, Vijay Court, Balfour Road, Kellys, Chennai - 600010

Bajaj Capital Ltd

Bajaj Capital Ltd

Bajaj Capital Ltd

Shop No. 5, Ground Floor, Vikas Plaza, 37/C Tambaram Road, Chennai - 600042 No. 7, R K Mutt Road Near Indian Bank Chennai - 600004 W-111, 1st Floor, (Upstairs of Hotel Suprabath) 3rd Avenue, Anna Nagar, Chennai - 600040 Yes Yes Arcade Plot No. 66, Shop No. 24 Secretariat Colony M.T.H. Road, Ambattur Chennai - 600053 No. 575, D.B. Road, First Floor
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Bajaj Capital Ltd

Bajaj Capital Ltd

Bajaj Capital Ltd

Bajaj Capital Ltd

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(Near Head Post Office) R.S. Puram Coimbatore - 641002

Bajaj Capital Ltd

184 Avinashi Road, Opp. Varadaraja Mills Peelamedu, Coimbatore Coimbatore - 641002 Pokhriyal House 67/3, (New No. 375) Rajpur Road, Opp. Meedo Plaza Dehradun - 248001

Bajaj Capital Ltd

Bajaj Capital ltd

5R/1, Ground Floor, B.K. Chowk, Near HDFC Bank Faridabad 121001

Bajaj Capital Ltd

Tilottoma Enclave, 3rd Floor, Opp. Rabindra Bhawan, GNB Road, Ambari, Guwahati - 781001

Bajaj Capital Ltd(Hyderbad)

No. 4 Ground Floor, Swaranjayanthi Complex (HUDA) Ameerpet, Hyderabad - 560016

Bajaj Capital Ltd(Basheerbagh)

B-140, Babukhan Estate, Basheerbagh Hyderabad - 500001

Bajaj Capita Ltd(Kukatpally)

No.3/MIG-I (H. No. 15-24-3) KPHB Colony, Near ICICI Bank, Kukatpally, Hyderabad - 500072

Bajaj Capital Ltd(Indore)

Shop No. 3, City Plaza, M.G. Road, Near Regal Cinema Indore 452001
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Bajaj Capital Ltd(Jaipur)

G-3, Anucampa Tower, Opp: Sangam Tower, Church Road, Jaipur - 302001 Room No. 53, Second Floor Kamani Business Centre , Bistupur, Jamshedpur Jamshedpur - 831001

Bajaj Capital Ltd(Jamshedpur

QUESTIONERS

Q.1

Are you agree with long term investment or short term investment? a. Long term ( ) ) b. Short term ( d. Cant say )

c. Other investment (

( )

Q.2

Are you know 360 financial planning ? a. Yes ( ) b. No ( )

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c. cant say

Q.3

Are you agree insurance is beneficial for a future ? a. Yes ( ) ( ) b. No ( )

c. Cant say

Q.4

What are the return you expect as profit by investment in security? a. Maximum ( ) ( ) b. Minimum d. Cant say ( ( ) )

c. As expectation

Q.5

What you think that investment is a important to for a good future ? a. Yes ( ) ( ) b. No ( )

c. Cant say

Q.6 Are you agree that financial planning can help to exempt from Tex & reduce the Tex burden? a. Yes ( ) ( ) b. No ( )

c. Cant say

Q.7 what is the capital which you want to invest or how much money u want to invest?

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360 FINANCIAL PLANNING IN BAJAJ CAPITAL

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The only thing permanent in life is change. Times change. People change. So does life. You expect life to be much better tomorrow than it is today. Tomorrow, you hope to fulfil all your dreams and aspirations. But what happens if things take an untoward turn? Or, if there is an eventuality? Perhaps it's time for you to change the way you plan your investments... Dont just dream... Plan! Financial Planning is becoming increasingly popular in developed countries all over the world. Now, with a little help from Bajaj Capital, you too can give yourself the 360 Lifetime Financial Planning edge!

Financial Planning is becoming increasingly popular in developed countries all over the world. Now, with a little help from Bajaj Capital, you too can give yourself the 360 Financial Planning edge! The question will reuse up that why ?

Get your Financial Plan prepared absolutely free, only at Bajaj Capital!
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Financial Planning is a paid service abroad, requiring investors to pay up to US $100 per session, and up to US $1,000 for a complete financial plan. Now, Bajaj Capital brings you the same standard of service ABSOLUTELY FREE!

Why do you need Bajaj Capital's 360 Financial Planning?

You may have many dreams, needs and desires. For example, you could be dreaming of: Owning a new car Buying a dream house Providing your children with the best education Planning a grand wedding for your children Having a great time after your retirement But in today's world of skyrocketing costs and increasing inflation, how many of these dreams can you hope to turn into reality? By planning well, you can utilize your limited resources to the fullest. 360 Financial Planning helps you see the big picture and invest for specific long-term and short-term goals well in time. Who needs 360 Lifetime Financial Planning? Everyone does! Because everyone has a right to dream. And realising dreams is easier when you work to a plan that's: Reliable Realistic Proven

Bajaj Capital's 360 Lifetime Financial Planning Programme could make a difference to all those who wish to lead a worry-free, financially secure life. What is 360 Lifetime Financial Planning all about? 360 Lifetime Financial Planning is a unique software-based process that takes a holistic view of your life-long financial needs and charts a personalised investment strategy to help you meet them. Broadly, it involves: Identifying your current financial status Listing and prioritising your goals Creating a sound investment plan to achieve them Monitoring the plan to facilitate swift corrective action, if needed

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360 Lifetime 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 homes, vehicles, or providing for your children's education and wedding). With the help of 360 Lifetime Financial Planning, you can prepare yourself well in time for all these goals. How will 360 Lifetime Financial Planning help me? Instead of investing in an ad-hoc manner, 360 Lifetime Financial Planning helps you take a holistic, all-round view. Briefly, 360 Lifetime Financial Planning comprises:

Investment Planning: To make your wealth grow Cash Flow Planning: To provide for assets and meet the periodic cash requirements Tax Planning: To save on taxes and increase your income Insurance Planning: To protect yourself, your family and your assets Children's Future Planning: To give your children a financially secure future Retirement Planning: Because retirement is a time to relax, not to get worried

How do I get my FREE personalised 360 Lifetime Financial Plan created? Heres how Financial Plans are prepared: The process begins with identifying your needs with the help of the Need Analysis Form. Our Financial Planners then use the especially-created 360 Financial Planning software to generate a personalised Snapshot. The Snapshot gives you a graphic account of all your financial requirements, at every stage of your future life. Based on the Snapshot, our experts work out an investment strategy. Once implemented, our experts keep regular track of your investments.

A Financial Planning session takes just 15 minutes, and is absolutely FREE! Make a life be happy for a future and any time .

The age
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group I belong to is: a b c d e 21 - 30 Years 31 - 35 Years 35 - 45 Years 45 - 55 Years Above 55 Years

2 a b c

I have: More Then 3 dependents 1-3 dependents No dependents

3 a b

Which statement best describes your approach as an investor? I am very cautious about taking risks, and I want to avoid losses. I am somewhat cautious about taking risks, and I can handle relatively small losses. c I can take some risks that are generally associated with greater account growth potential but i wish to minimize short-term losses

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in my account. d I am open to taking risks for growth potential. I am less concerned about short-term (less than one year) losses or gains; I am more interested in long-term growth.. e I am risk taker and want to maximize the growth of my account over the next decade or longer. I am not concerned about shortterm losses.

4 a b c d

When is your next big spending due/expected? Less than 1 year Between 1 year 3 years Between 3 years 5 years More than 5 years Do you have an emergency fund set aside to meet any unexpected requirement? a b c d e No, I do not have any money for emergencies. I have enough to meet one month's expenses. I have enough to meet two to three months' expenses. I have enough to meet four to six months' expenses. I have more than six month's worth.
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6 a b

You receive an unexpected bonus equivalent to three months'salary,Will you: Put it in a bank deposit at 5% guaranteed return? Invest it in an instrument which gives a return in the range of 4 -7%. c Invest it in an instrument that gives a return of around 15% p.a. with a downside 3 risk of 10%.

7 a b c

How often do you monitor your investments? Daily or Weekly Monthly Occasionally

8 a b c d

When you make an investment decision, you Decide on gut feel. Seek advice from friends and well-wishers. Rely on your investment advisor. Analyze all options thoroughly.

9
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Investments with higher short-term volatility are more likely to have

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a greater chance of meeting long-term goals. Conversely, investments likely to provide stable returns and minimum shortterm losses are less likely to meet long-term investment goals. With this in mind, which of the following is most consistent with your investment attitude. a Avoiding short-term losses is more important to me than meeting long-term goals. b I am equally concerned about avoiding short-term losses as well as meeting long-term goals. c I am willing to bear short-term fluctuations to maximize the chance of meeting my long-term goals.

10 a b c d e

The chart below shows possible growth of Rs. 100 over a five-year period for a series of different investment strategies. Which of the five scenarios are you most comfortable with as an investor? 130 to 160 110 to 176 90 to 200 77 to 250 59 to 280 What percentage (%) of your portfolio is allocated to Equtiy currently a No investment in Equity

11

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b c d e

Upto 10% Between 10% to 30% Between 30% to 60% More than 60%

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