A

MARKE
TSU
RVE
YRE
PORT

“
STU
DYOFCONSUMER’SPERCE
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ubmi
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DE
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ES

T
EERT
HANKE
R MAHAV
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ITU
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MORADABAD

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NP ART
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EOF
BACHELOROFBUSI
NES
SADMINI
STRATI
ON(BBA)

S
ESS
ION:
201
9-
202
0

T
EERT
HANKE
RMAHAV EE
RUNI
VERS
ITY
MORADABAD

GU
IDE
DBY
- S
UBMI
TTE
DBY
-

MRS
HUBHAM AGARWAL MANUJ
AIN

AS
SIS
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ESS
OR -5THS
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T
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MG-
1
701
267
 ACKNOWL
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2
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2
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28:
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nd
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sur
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mpa
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ove
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ss.

3)1
938:
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 T
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NSU
RANCE
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COMP
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A
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IDBI Bank
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ages
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 BU
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Op
por
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hre
ats
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come  Cha
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 I
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if
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for
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NATI
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RE
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BRANCH
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F
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 ABOU
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RODU
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Revi
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Gome
s,Asse
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L
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Az
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aff
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vi
n,Mans
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010)
pr
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cl
es
,bl
og

T
ool
sus
edi
nAn
al
ys
i
sfo
rco
ll
ec
ti
ono
fda
ta–

 Bardi
agr
am
 Pi
echar
t
 Pe
rcent
ageme
tho
dus
edt
oan
al
yz
eth
ebe
lo
wda
ta
 Tab
le
s
DAT
AANSLY
SI
S
AND
I
NTEP
RET
ATI
ON
 DAT
AANAL
YSI
SANDI
NTE
RPRE
TAT
ION

QU
EST
IONAI
RE

*
Ageo
fre
spo
nde
nts

Ag
e Re
spo
nde
ntn
umb
er %g
e

1
)le
sst
han2
5 1
2 1
2%

2
)bt
w25-
35 39 39
%

3)35-
45 1
9 1
9%

4)Mo
ret
han45 30 30%

1
00 1
00%
I
nt
erp
ret
ati
on
-

Thea
bov
epi
ech
arts
howst
hea
gel
i
mi
tofr
esp
ond
entf
roml
es
sth
an2
5,2
5-35a
nda
bov
e
40.

*
Qua
li
fi
ca
ti
on
sofr
esp
ond
ent
-

P
art
i
cul
ar
s Re
spo
nde
ntn
umb
er %g
e

1
) Gr
adu
ate
s 51 51
%

2
)Po
stg
rad
uat
es 30 30%

3)Di
pl
omai
nan
yst
rea
m 7 7
%

4)An
yot
herd
is
ci
pl
i
ne 1
0 1
0%

1
00 1
00%

I
nt
erp
ret
ati
on
-

T
hes
urv
eys
howst
hep
erc
ent
ageo
fgr
adu
ate
s,p
ostg
rad
uat
es,d
ip
lo
mac
our
se,a
ndo
the
r
d
is
ci
pl
i
neo
fth
ere
spo
nde
nt.

*
Occ
upa
ti
ono
fre
spo
nde
nt

P
art
i
cul
ar
s Re
spo
nde
ntn
umb
er %g
e

1
) Bu
si
ne
ssma
n 33 33%

2
)Pr
ofe
ssi
on
al 1
9 1
9%

3)J
obh
ol
de
r 36 36%

4)Ot
her 1
2 1
2%

5)T
ota
l 1
00 1
00%

I
nt
erp
ret
ati
on
-
T
hes
urv
eysh
owst
hen
umb
ero
fre
spo
nde
ntswh
oin
dul
gei
nbu
si
ne
ss,p
rof
ess
i
on,j
obh
ol
de
r
o
rot
her
s.

*
Ave
rag
ein
comeo
fre
spo
nde
nt

P
art
i
cul
ar
s Re
spo
nde
ntn
umb
er %g
e

1
)Upt
o1l
ak
hs 32 32
%

2
)1-
3l
ak
hs 44 44%

3)3-
5l
ak
hs 1
9 1
9%

4)5l
ak
han
dab
ove 5 5%

T
ota
l 1
00 1
00%

I
nt
erp
ret
ati
on
-
T
hegr
aphge
neral
l
ysh
owsth
eave
rag
ein
comeofres
pon
den
t.t
hei
nc
omeb
rac
kets
tar
t
f
romu
pt o1
l
akh,1
-3l
akh
,3-5l
ak
h,5andab
ove.

*
Fami
l
ysi
z
eofr
esp
ond
ent

P
art
i
cul
ar
s Noo
fre
spo
nde
nts %g
e

1
)Le
sst
han5me
mbe
rs 49 49
%

2
)5-
1
0me
mbe
r 33 33%

3)Ab
ove1
0me
mbe
r 2
8 2
8%

T
ota
l 1
00 1
00%

I
nt
erp
ret
ati
on
-

T
heabo
vepi
echar
tsho
wst
hefami
l
ysi
z
eo fr
esp
onde
ntwhi
chg
ene
ral
l
yst
art
sfr
oml
es
s
t
han5membe
rs,5to1
0memb
ersa
ndab
ove1
0me mb
ers
.
*
Acc
ord
in
gtor
esp
ond
ent,
th
eco
nce
pto
fli
f
ein
sur
anc
efo
rth
em

P
art
i
cul
ar Re
spo
nde
ntn
umb
er %g
e

1
) Ri
s
kco
ver 39 39
%

2
)Sa
vi
ngo
fta
x 31 31
%

3)F
ors
ecu
ri
ty 30 30%

1
00 1
00%

I
nt
erp
ret
ati
on
-

T
hed
atas
howst
hen
oofr
esp
ond
entwh
oge
ner
al
lyb
el
ie
vei
nri
s
kco
ver
age
,ta
xsa
vi
ng
,
s
ecu
ri
ty

1
) Wh
ic
hoft
hef
ol
lo
win
gfi
na
nci
al
sec
uri
t
yyo
uha
vef
ory
our
sel
fan
dyo
urf
ami
l
y?

a
)In
sur
anc
e

b
)Fi
x
edd
epo
si
t

c
)Mu
tua
lfu
nd

d
)Ot
her

I
nt
erp
ret
ati
on

T
hi
scha
rti
mpl
i
est
hat1
6.
7%g
ofo
rfi
x
edd
epo
si
t50%g
ofo
rin
sur
anc
ean
d33.
33%g
ofo
r
o
the
r
 2
)Wh a
tistheperc
ent
ageo
fin
comey
ous
avef
orf
ami
l
y?
a
)U pto10%
b
)10%-2 0%
c
)2 0%-30%
d
)Ab ove30%

I
nt
erpr
etat
i
on
T
hecharti
mpl
i
estha
t50%peo
pl
esave
su p
to1
0%f
ort
hei
rfa
mil
yan
d33.
33%p
eop
les
ave
s
a
bove30%and16.
1
7%pe
opl
esa
ve20%-30%.
 3)Doy
ouha
veanyi
ns
ura
ncep
ol
ic
y?
 Ye
s
 No

I
nt
erp
ret
ati
on

T
hechar
timp
li
est
hata
lmo
st1
6.
7%p
ubl
i
car
eno
tin
sur
eda
nd83.
3%a
rei
ns
ure
dasp
ert
he
s
urv
ey.
4)I
fNO,p
le
asegi
vea
nyspe
ci
fi
cre
aso
nfo
rno
tta
ki
nga
nyl
i
fei
ns
ura
ncep
ol
ic
y?
a
)Noa genth
asapp
roa
che
d

b
)Do
n’tb
el
ie
vei
nLi
f
ein
sur
anc
e

c
)No
tin
sur
abl
e

d
)Ca
n’ta
ffo
rdt
hep
remi
u
m

I
nt
erp
ret
ati
on

T
hechar
timp
li
esa
lmo
stt
hep
ubl
i
cwh
osa
ynot
oin
sur
anc
edon
otb
el
ie
vei
n
i
ns
ura
nce.
5)I
fye
s,whatpr
omp
tedyout
obuyab
ovep
ol
ic
ie
s?
a
)S ugg
este
dbyrel
at
iv
e/fri
en
d

b
)Ad
vi
se
dbyt
axc
ons
ul
ta
nt

c
)Ju
stt
oob
li
get
heb
ankma
nag
er/
age
nt

d
)Ne
eda
nal
ys
i
sdo
neb
yag
ent
 I
nt
erp
ret
ati
on

Th
eperso
nwhobuy
sin
sur
ancep
ol
ic
yseemst
hat50%pu
bl
i
cmadeaneeda
nal
ys
i
s
do
nebyagen
t.33.
33%pers
oni
sadvi
s
edbyCAand1
6.
7%ages
ugg
est
edbyre
la
ti
ve
/fri
en
d.

6)Whi
chofth
efol
l
owi
ngne
edsy
ouc
ons
i
dera
sth
emo
sti
mpo
rta
ntf
ory
ou?
a)Fami
lyi
nc
omepr
ovi
s
io
n

b
)Ch
i
ldr
enE
duc
ati
ona
ndMa
rri
ag
epr
ovi
s
io
n

c
)Re
ti
re
men
tPr
ovi
s
io
n

d
)We
al
thc
rea
ti
ona
ndT
axs
avi
ng
I
nt
erp
ret
ati
on

Thi
sch
arti
mpli
est
hat50%p
ubl
i
cfe
el
sth
att
heysa
vemoneyf
orret
i
remen
tpro
vi
si
ona
nd
33.
33%t h
in
ksforwea
lt
hcr
eat
i
onandt
axs
avi
ngan
d16.
1
7%thi
nk
sforfa
mil
yi
nc
ome
pr
ovi
si
on
.

7
)Wh
ati
sth
efi
na
nci
al
too
lyo
uma
ych
oos
eify
oug
etc
han
cet
oge
tas
soc
ia
tedwi
t
h
I
DBI
fed
era
l?
a)Sho
rtter
m

b
)Lo
ngt
erm

c
)Gu
ara
nte
ed

I
nt
erp
ret
ati
on

T
hi
scha
rtimp
li
est
hat80%p
eop
lef
eel
stha
tthe
ygofo
rgua
rante
edp
la
nan
d20%
g
oforl
ongte
rmpla
ninI
DBI
Fed
era
ll
if
ein
sur
anc
eComp
anyl
i
mit
ed.
8)Whi
chwi
ll
bet
hec
omp
anyy
ouma
ypr
efe
rra
the
rth
anI
DBI
formo
neyr
el
at
edwo
rk?
a)LIC

b
)SBI

c
)Ko
dakMa
hi
nd
ra

d
)Ot
her

I
nt
erp
ret
ati
on

T
hec
har
timp
li
est
hata
par
tfr
omI
DBI
Fed
era
lth
epu
bl
i
cha
vef
ai
tho
nLI
Can
d
 S
tateb
ankofI
ndi
a.
Gen
era
ll
y60%p
ubl
i
cpr
efe
rst
ateb
anko
fIn
di
aan
d40%
p
ubl
i
cpr
eferLI
C.

9
)Wh i
chofthefol
l
owi
ngI
DBI
Fed
era
lpr
odu
cty
ouh
aveh
ear
dof
?
a
)In c
omesur
ance
b
)L if
esur
ance
c
)We al
th
sura
nce
d
)Ch il
ds
uran
ce

I
nt
erp
ret
ati
on
 Th
echarti
mpl
i
estha
t60%p u
bl
icha
veheardt
hen
ameofLif
esura
ncepl
anofI
DBI
f
eder
al&20%p u
bl
i
ch a
vehea
rdthenameofWeal
th
sur
anc
ep l
anofI
DBIfe
der
al
&agai
n20%publ
i
chavehe
ardthenameofI
nc
ome
sur
ancep
la
no fI
DBIf
eder
all
i
fe
i
ns
ura
ncecomp
anyli
mi
ted.

1
0)Awa
ren
essr
ega
rdi
ngI
DBI
Fed
era
ll
if
ein
sur
anc
eco
mpa
nyl
td
.

P
art
i
cul
ar Re
spo
nde
ntn
umb
er %g
e

1
) No 1
8 1
8%

2
)Ye
s 82 82
%

T
ota
l 1
00 1
00%
I
nt
erp
ret
ati
on
-

F
romthes
urv
eyi
twasf
oun
dt h
atamo
ng100re
spo
nde
nt18%saytha
tth
eya
ren
ota
war
e
o
fIDBI
Fed
era
l&re
st82%say
stha
ttheyar
eawareo
fIDBIF
eder
al
.

1
1
)Per
cen
tag
eofre
spo
nde
ntswh
oar
ege
ner
al
lyu
nde
rdi
f
fer
entp
la
nso
fIDBI
Fed
era
ll
if
e
i
ns
ura
nceco
mpa
nyl
td.

P
art
i
cul
ar Re
spo
nde
ntn
umb
er %g
e

1
)In
ves
tme
ntp
la
n 2
9 2
9%

2
)Pr
ote
cti
onp
la
n 37 37
%

3)Ch
il
dpl
an 9 9
%

4)Wh
ol
el
if
epl
an 1
4 1
4%

5)P
ens
i
onp
la
n 1
1 1
1
%

T
ota
l 1
00 1
00%
I
nt
erp
ret
ati
on
-

F
romt
hea
bov
epi
ech
arti
twa
sfo
undt
hata
mon
gst1
00r
esp
ond
ent

2
9%ofres
pon
den
tareund
eri
nve
stme
ntpl
an
,37
%areund
erpr
ote
cti
onp
la
n,9
%ar
eun
der
c
hi
ldg
ai
npl
an,
1
4%areun
derwh
ol
eli
fepl
an
&11
%areu
nde
rpens
i
onpl
an

1
2)P
erc
ent
ageofr
esp
ond
entben
efi
tso
fch
oos
i
ngt
hep
art
i
cul
arp
rod
ucto
fIDBI
F
ede
ral
li
f
ein
sur
anc
ecompa
nyltd
.

P
art
i
cul
ar Re
spo
nde
ntn
umb
er %g
e

1
) Ri
s
kco
ver 59 59
%

2
)Ad
di
ti
on
alb
ene
fi
ts 2
1 2
1%

3)S
uma
ssu
red 9 9
%

4)Ma
tur
i
tyd
ate 1
1 1
1
%

T
ota
l- 1
00 1
00%
I
nt
erp
ret
ati
on
-

T
heabov
eb a
rgrap
hrevea
lsth
at59%ofth
ere
spon
den
tsayth
atbe
nefi
tofch
oosi
ngthe
p
rod
ucti
sforri
skcov
erag
e,21
%say
siti
sfo
radd
it
i
onal
ben
efi
t
,9%r
evea
lst
hati
tisfor
s
umass
uredandre
stsayfors
umass
ure
d.

1
3)Ar
ether
esp
ond
ents
ati
s
fi
edwi
t
hth
ese
rvi
ce
sofI
DBI
Fed
era
ll
if
ein
sur
anc
e
co
mpa
nyl
td.

P
art
i
cul
ar Re
spo
nde
ntn
umb
er %g
e

1
) No 31 31
%

2
)Ye
s 69 69
%

T
ota
l- 1
00 1
00%
I
nt
erp
ret
ati
on
-

T
heabo
vesur
veysh
owsth
atou
tof1
00res
pon
den
t31 %re
spon
dentaren
otsa
ti
sf
i
edwi
th
t
hese
rvi
ceso
fIDBI
Fed
era
lan
dther
est69
%aresat
i
sfi
edwi
ththese
rvi
ce
sofI
DBIF
ede
ral
l
i
fei
ns
ura
nce.

1
4)Hasmedi
abe
entheso
urcefori
nfo
rma
ti
ona
ndd
atag
orv
ari
ou
spl
an
sofI
DBI
Fe
dera
ll
if
ein
sur
anceco
mp a
nylt
d.

P
art
i
cul
ar Re
spo
nde
ntn
umb
er %g
e

1
)Ye
s 59 59
%

2
)No 41 41
%

T
ota
l- 1
00 1
00%
I
nt
erp
ret
ati
on
-

F
romtheab
oves
urv
eyi
twasf
oun
dth
at59%res
pon
den
thav
emedi
ato
olasaso
urc
eof
i
nf
orma
ti
onandr
est41
%re
spo
nde
ntd
onotha
vemedi
aast
heso
urc
eofin
for
mati
on
.

1
5)Whi
chme
diasou
rcehasbee
nprov
i
dedi
nf
ormat
i
onandd
atao
fva
ri
ou
spl
an
s
of
fer
edbyIDBI
Fede
rall
i
fei
nsu
ranc
eco
mpanyl
td.

P
art
i
cul
ar Re
spo
nde
ntn
umb
er %g
e

1
) Ne
wsp
ape
rs 31 31
%

2
)Ma
gaz
i
nes 1
4 1
4%

3)T
el
ev
is
i
on 44 44%

4)Ra
di
o 1
1 1
1
%
T
ota
l- 1
00 1
00%

I
nt
erp
ret
ati
on
-

F
romthesu
rve
yiti
sfoun
dthatamo
ng1
00res
pon
dent31%re
spon
den
tpref
ernews
pap
er,
1
4%pre
fermaga
zi
ne,44%re
spon
den
tpr
efe
rtel
evi
s
io
n,1
1
%res
pond
entpr
efe
rrad
ioasa
s
our
ceofin
for
mati
on.

*
You
rval
uab
les
ugg
est
i
onr
ega
rdi
ng
i
ns
ura
nce
………………………………………………………………………………………………
I
nt
erp
reta
ti
on
T
heabov
ec h
arts
howsth
eva
rio
usres
pon
seofth
epu
bl
icr
ega
rdi
ngi
ns
uran
ceal
lt
hes
e
r
esp
ons
eshowsth
ep o
si
ti
v
eandneg
ati
veasp
ecto
fpu
bl
i
ctowar
dsi
ns
uran
ce.
 F
INDI
NGS

F
INDI
NGS

1
)Th
ere
spo
nde
ntsa
reo
fag
e25t
o35a
nda
remo
stl
yj
obh
ol
de
rs.

2
)Th
erei
sl
es
sawa
ren
essa
bou
tth
ebe
nef
i
tso
fli
f
ein
sur
anc
epo
li
ci
es
.

3)Th
emo s
timpor
tan
tfi
nan
ci
al
too
lth
atp
romp
tedc
ust
ome
rst
oge
tas
soc
ia
tedwi
t
h
I
DBIF
ederal
isg
uar
ant
eed
.

4)T
hemo
stp
ref
err
edc
omp
anyr
ath
ert
hanI
DBI
formo
neyr
el
at
edwo
rki
sSBI
.
5)Mo
stl
yre
spo
nde
ntsa
res
ati
s
fi
edwi
t
hth
ese
rvi
ce
spr
ovi
de
dbyI
DBI
Fed
era
l.

6)Ri
skc
overi
sthema
jo
rb e
nefi
ti
den
ti
fi
edb
yth
ere
spo
nde
ntsf
orc
hoo
si
ngt
he
pa
rti
cu
la
rser
vi
ceso
fIDBIFe
der
al
.

7
)In
sur
anc
eag
entwa
sth
ema
jo
rso
urc
efo
rta
ki
ngv
ari
ou
sin
sur
anc
ean
dpo
li
ci
es
.
 CONCL
USI
ON

CONCL
USI
ON

1
.Iti
sveryi
mpo
rtanttound
ersta
ndthenee
dsanddemandofth
ecu
sto
mers
/con
sume
r.
2.No
thi
ngcanbeso
ldwi
thou
tg e
nera
ti
ngandcr
eati
ngtheneedf
ort
hatpr
odu
ct.
3.On
eshoul
dne
vercri
ti
ci
zethepro
ducto
fanyothe
rc o
mp a
ny.
4.On eshouldha veade q
uatek nowl
edgeabou
ttheprod
ucttod eal
wit
ht he
cu
s to
me rs’probl
ems .
5.T oma ket hec ust
ome rcomf o
r t
abl
eisanot
heri
mporta
ntt hi
ngto
takeoutt h erequir
edinformati
on.
6.S etti
ngt hee xampl
eso funreal
is
ti
cp eo
pl
etoa v
oi
dsi
tuati
onswhena
cu
s to
me rget soffended.
7.Alwa y
st ryt omo ti
vatet hesal
esperso
nnelt
ok e
epthemo nthei
r
to
e sespeci
all
ywh ent heyarea bu
sedbycust
omersornota b
leto
compl
etet heirgi
vent a
rget.
8.T i
me l
ytraini
ngmu stb egiventosal
espeopl
erega
rdi
ngtheproduc
tsisver
yne
ces
sar
y.
9. Busi
ness
e salwaysco meb yitwhenthesal
espers
oni
swe l
l-vers
edwith
th
ep roducta ndk nowsh owtot ra
n s
fertha
tknowl
edgetothecustomer
i
name ani
ngf ul
wa y,i
no rdertoma kealo
ngtermrel
ati
onshi
pwit
hthe
cu
s to
me r.
 RE
COMME
NDAT
ION

RE
COMME
NDAT
ION

1
.Th
eco
mpa
nys
hou
l
dus
ead
ver
ti
se
men
tca
mpa
ig
nsf
ort
hei
rpr
odu
ctsb
eca
use

 T
her
ear
eto
oma
nyc
omp
eti
t
orsi
nth
ein
sur
anc
ese
cto
r
  Mo
sto
fth
epe
opl
edon
oth
aveab
ri
efi
de
aab
outt
hec
omp
any

2
.Thec
ompan
yshou
ldal
socomeupwi
thl
owp
remi
u
mpo
li
ci
esa
smo
sto
f
t
hep
eop
lepr
efe
ru n
deri
ns
uran
ce.
L
IMI
TAT
IONS

L
IMI
TAT
IONOFS
TUDY
1
)T hestudywa sco
nductedvi
aonl
in
emeansa ndsomepartof
Mor a
d a
bad,henc
et heres
ul
tcanb eb
ias
eda ndnotexa
c t
lyaccu
rate
2)Thesurveywa st
ob econdu
ctedonno.ofpeopl
eofthearea,l
ocat
i
on
butduet oti
mec o
nstrai
ntthe
reisun
avai
la
bi
li
tyofla
rgen oofpeop
le
.
3)Thesurveygener
all
yinc
lu
desmorenoofp e
opl
ewithi
nthea g
eb r
acke
t
of18-35h en
c et
hes tu
dywhi
chIdi
dma ybebias
ed,asatthatage
bracket,in
comeisl
essandpeopl
etak
elif
einsur
anceveryli
gh
tl
y.
 BI
BLI
OGRAP
HY

BI
BLI
OGRAP
HY

1
) www.
i
dbi
f
ede
ral
.
com
2
)www.i
dbi
f
ede
ral
.
com/p
res
s/p
res
s
3)Y
oga
ksh
ema
-LI
Cha
ndb
ook
 ANNE
XURE

An
nex
ure

*
Ageo
fRe
spo
nde
nt……………………….
.
*
Qua
li
fi
ca
ti
ono
fRe
spo
nde
nt……………….
.

*
Occ
upa
ti
ono
fRe
spo
nde
nt…………………

*
Ave
rag
eIn
comeo
fRe
spo
nde
nt…………….
.

1
) Ar
eyo
uawa
reo
fIDBI
Fed
era
lLi
f
eIn
sur
anc
eco
mpa
nyL
td?

a
)YE
S

b
)NO

2
)Ac
cor
di
ngt
oyo
uwh
ati
sth
eco
nce
pto
fLi
f
eIn
sur
anc
e?

a
)Ri
s
kCo
ver

b
)Sa
vi
ngo
fTa
x

c
)Fo
rSe
cur
i
ty

d
)No
neo
fth
ese

3)Wh
ic
hoft
hef
ol
lo
win
gfi
na
nci
al
sec
uri
t
yyo
uha
vef
ory
our
sel
fan
dyo
urf
ami
l
y?

a
)In
sur
anc
e

b
)Fi
x
edd
epo
si
t

c
)Mu
tua
lfu
nd

d
)Ot
her

4)Wha
tistheperc
ent
ageo
fin
comey
ous
avef
orf
ami
l
y?
a)Upto10%
b)1
0%-2 0%
c)20%-30%
d)Above30%

5)Doy
ouha
veanyi
ns
ura
ncep
ol
ic
y?
 Ye
s
  No

6)I
fNO,p
le
asegi
vea
nyspe
ci
fi
cre
aso
nfo
rno
tta
ki
nga
nyl
i
fei
ns
ura
ncep
ol
ic
y?
a
)Noa genth
asapp
roa
che
d

b
)Do
n’tb
el
ie
vei
nLi
f
ein
sur
anc
e

c
)No
tin
sur
abl
e

d
)Ca
n’ta
ffo
rdt
hep
remi
u
m

7
)Ifye
s,whatpr
omp
tedyout
obuyab
ovep
ol
ic
ie
s?
a
)S ugg
este
dbyrel
at
iv
e/fri
en
d

b
)Ad
vi
se
dbyt
axc
ons
ul
ta
nt

c
)Ju
stt
oob
li
get
heb
ankma
nag
er/
age
nt

d
)Ne
eda
nal
ys
i
sdo
neb
yag
ent

8)Wh
ata
ret
heb
ene
fi
tsy
oug
otf
orc
hoo
si
ngt
hep
art
i
cul
arp
rod
ucto
fIDBI
Fed
era
l?

a
)Ri
s
kco
ver

b
)Su
mas
sur
ed

c
)Ma
tur
i
tyDa
te

d
)Ad
di
ti
on
alb
ene
fi
ts

9
)Wh i
chofth
efol
l
owi
ngne
edsy
ouc
ons
i
dera
sth
emo
sti
mpo
rta
ntf
ory
ou?
a
)F ami
lyi
nc
omepr
ovi
s
io
n

b
)Ch
i
ldr
enE
duc
ati
ona
ndMa
rri
ag
epr
ovi
s
io
n

c
)Re
ti
re
men
tPr
ovi
s
io
n

d
)We
al
thc
rea
ti
ona
ndT
axs
avi
ng
1
0)Wha
tisthefi
na
nci
al
too
lyo
uma
ych
oos
eify
oug
etc
han
cet
oge
tas
soc
ia
tedwi
t
h
I
DBI
fede
ral
?
a)Shor
tt e
rm

b
)Lo
ngt
erm

c
)Gu
ara
nte
ed

1
1
) Whic
hwi
l
lbet
hec
omp
anyy
ouma
ypr
efe
rra
the
rth
anI
DBI
formo
neyr
el
at
ed
wo
rk?
a)LI
C

b
)SBI

c
)Ko
dakMa
hi
nd
ra

d
)Ot
her

1
2) Wh
ic
hofthefol
l
owi
ngI
DBI
Fed
era
lpr
odu
cty
ouh
aveh
ear
dof
?
a)In
comesu
ranc
e
b)Li
fesu
ranc
e
c)We a
lt
hsu
rance
d)Chi
ld
sur
ance

1
3) Wh
ic
hpl
and
oyo
uha
veo
fIDBI
Fed
era
lLi
f
eIn
sur
anc
eCo
mpa
nyL
td?

a
)In
ves
tme
ntp
la
n

b
)Ch
i
ldp
la
n

c
)Wh
ol
el
if
epl
an

d
)Pe
nsi
onp
la
n

1
4) Ha
sme
di
abe
ent
hes
our
ceo
fin
for
mat
i
on&d
ataf
orv
ari
ou
spl
an
sofI
DBI
Fed
era
l?
 a
)YE
S

b
)NO

1
5) Ar
eyo
usa
ti
sf
i
edwi
t
hth
ese
rvi
ce
sofI
DBI
Fed
era
l?

a
)YE
S

b
)NO

*
You
rval
uab
les
ugg
est
i
onr
ega
rdi
ng
i
ns
ura
nce
………………………………………………………………………………………………………………….