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IT Project
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Investment in Financial Services
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By: Group S007

Hardik Shah
Parveen Bari
Sonam Jayaswal
Sourya Kundu

Research Methodology
The aim of this project is to develop a tool which will enable the Insurance or
Wealth Management Companies to offer to its customers various products. The
tool is basically aimed to enable the agents of such companies to demonstrate
various options and the outcome of various investments made by the customers.

The tool is made using Microsoft Excel and various investment options are shown
in it. The tool works when an investment option is selected, the amount to be
invested is entered, the term is entered and the rate of interest is given. Then it
will compute the Annual Premium payable by the customer and the Final Amount
he will get after the mentioned tenure.

We have taken an example of an investment amount for a particular tenure to be

invested in a variety of financial products. All these products have different rates
of interest. So, the final amount receivable by the customer will differ in each
investment type. So, at the click of a button, it will show the Final Amount a
customer will get in each investment type and a graph can be constructed to
show the outcomes from each investment type.

Design Layout

The above screenshot is of the Total products that a customer can choose and the
relevant fields where the information about the investment is to be entered. On
entering the Amount to be Invested, Tenure and the Rate of Interest, the table
will quickly show the Annual Premium to be paid and the Final Amount the
customer will get after the mentioned tenure.

The above screenshot is of investment in Insurance (Very Long Term) and the
relevant fields where the information about the investment is to be entered. On
entering the Amount to be Invested, Tenure and the Rate of Interest, the table
will quickly show the Annual Premium to be paid and the Final Amount the
customer will get after the mentioned tenure.

The above screenshot is of investment in Insurance (Long Term) and the relevant
fields where the information about the investment is to be entered. On entering
the Amount to be Invested, Tenure and the Rate of Interest, the table will quickly
show the Annual Premium to be paid and the Final Amount the customer will get
after the mentioned tenure.

The above screenshot is of investment in Mutual Fund and the relevant fields
where the information about the investment is to be entered. On entering the
Amount to be Invested, Tenure and the Rate of Interest, the table will quickly
show the Annual Premium to be paid and the Final Amount the customer will get
after the mentioned tenure.

The above screenshot is of investment in Shares and the relevant fields where the
information about the investment is to be entered. On entering the Amount to be
Invested, Tenure and the Rate of Interest, the table will quickly show the Annual
Premium to be paid and the Final Amount the customer will get after the
mentioned tenure.

The above screenshot is of investment in Shares and Mutual Funds together and
the relevant fields where the information about the investment is to be entered.
On entering the Amount to be Invested, Tenure and the Rate of Interest, the table
will quickly show the Annual Premium to be paid and the Final Amount the
customer will get after the mentioned tenure.

The above screenshot is of investment in ULIP and the relevant fields where the
information about the investment is to be entered. On entering the Amount to be
Invested, Tenure and the Rate of Interest, the table will quickly show the Annual
Premium to be paid and the Final Amount the customer will get after the
mentioned tenure.

The above screenshot is of investment in Commodities and the relevant fields

where the information about the investment is to be entered. On entering the
Amount to be Invested, Tenure and the Rate of Interest, the table will quickly
show the Annual Premium to be paid and the Final Amount the customer will get
after the mentioned tenure.

The above screenshot is of investment in Futures & Options and the relevant
fields where the information about the investment is to be entered. On entering
the Amount to be Invested, Tenure and the Rate of Interest, the table will quickly
show the Annual Premium to be paid and the Final Amount the customer will get
after the mentioned tenure.

The above screenshot depicts a graph on the comparison of investments in

different investment instruments. It shows that upon investing a fixed amount for
a fixed tenure across all investment products, the returns vary as per the product.
The interest rate or the Rate of Return is different for each product depending on
its risk factor and that is the reason the returns vary. We can see the highest
reurn in Shares and the lowest in ULIP and Insurance (Long Term).