CHAPTER-1 EXECUTIVE SUMMARY

This program is like a window to corporate world. The company provided this platform where we get the ample opportunities to learn more about life, skill and implement them. The security markets are in the process of an ongoing revolution, as evidenced by the internationalization of trading, introduction of a variety of instruments, and from improved communication abilities. INVESTMENT MANAGEMENT: Securities Analysis and portfolio management describes techniques, Finance vehicles, and strategies for planning,Implementing, and overseeing the optimal allocation of the funds of and investor(s) or an institution(s) in the changing investment environment. Stock Holding Corporation of India Ltd. (SHCIL) was promoted by the public financial institutions and incorporated as a limited company on July 28, 1986. SHCIL provides post trading and custodial services to institutional services and mutual funds, banks, insurance companies and retail investors. SHCIL is also India¶s largest depository participant providing depository services to a large number of clients. SHCIL has 203 offices/facilitation centers across the country.

SHCIL has received ³No Action Letter´ from the securities exchange commission, USA under section 17(f) of the US Investment Company Act, 1940 and rule 17f-5 framed there under, which enables it to grow at custodial and related services to US-based funds as well. With the introduction of depository system in the country, SHCIL commenced offering depository related services to the retail segment and over the last few years, it has come to acquire the stature of being one of the largest depository participants besides being the country¶s largest custodial. This project is divided into three sections:y Section A consists of Introduction and profile of the company. y Section B consists of analysis and project of SHCIL. y Section C deals with suggestion and conclusion.

INTRODUCTION
Stock Holding Corporation of India Ltd. (SHCIL) was promoted by the public financial institutions and incorporated as a limited company on July 28, 1986. SHCIL provides post trading and custodial services to institutional services and mutual funds, banks, insurance companies and retail investors. SHCIL is also India¶s largest depository participant providing depository services to a large number of clients. SHCIL has 203 offices/facilitation centers across the country. It is owned by the India's leading Banks and Financial Institutions such as: Industrial Development Bank of India (IDBI) Industrial Credit and Investment Corporation of India (ICICI) Specified Undertaking of the Unit Trust of India (SU-UTI) Industrial Finance Corporation of India (IFCI) Life insurance Corporation of India (LIC) General insurance Corporation of India (GIC) New India Assurance Company Limited (NIA) National Insurance Corporation Limited (NIC) United India Insurance Corporation Limited (UIC)

in the year 1986. 1956. it has come to acquire the stature of being one of the largest Depository Participants. was incorporated at the special initiative of Government of India. After Harshad Mehta SCAM SHCIL was endowed with the responsibility of dematerialization of securities to avoid any such mis-endeavour by any individual and entity in future and SHCIL was critical in stream lining of share market. It is owned by the India¶s leading Banks and Financial Institutions such as: IDBI Bank SU-UTI LIC NIA UIC ICICI Bank IFCI Ltd GIC NIC TOICL . besides being the country¶s largest and premier custodian. as a public limited company as per the Companies Act. With the introduction of the depository system in the country. to take up the specialized activity of providing world class custodial services in India. SHCIL commenced offering depository related services to the retail segment and over the last few years.HISTORY HISTORY OF PROMOTERS AND COMPANY Stock Holding Corporation of India Ltd.

asset servicing. Indian and foreign venture capital companies. E-stampingThe company serves financial institutions. The company also provides e-stamping. . and premium offerings. loans against securities. F&O clearing. It offers securities services. and demat of securities. such as FDs. such as custodial. insurance companies. and western union money transfer services. Stock Holding Corporation of India Limited was incorporated in 1986 and is based in Mumbai. foreign venture capital companies. debentures. and corporates. share broking. modification of client¶s details processing settlement and non-settlement related transactions.COMPANY OVERVIEW Stock Holding Corporation of India Limited provides custodial. and depository participant services in India including DP services for disinvestment of various PSU¶s. bonds. India. banks. IPO services. electronic and physical safekeeping. funds. life insurance services. In addition. post trading. GOI bonds. including initial public offerings (IPOs) of equities and mutual funds. PF trusts. mutual funds. clearing and settlement. and collateral and risk management services. execution of pledge instructions. It operates a network of 203 offices/facilitation centers. including account opening. and depository participant services. foreign institutional investors. and capital gain bonds to variable income products. it offers various financial products ranging from fixed income investments.

Second floor. µB¶ Wing. Nariman Point. NAME AND DESCRIPTION OF PROMOTERS: SHCIL has been jointly promoted and is owned by the all India Financial Institutions namely:  Industrial Development Bank of India (IDBI)  Industrial Credit and Investment Corporation of India (ICICI)  Specified Undertaking of the Unit Trust of India (SU-UTI)  Industrial Finance Corporation of India (IFCI)  Life insurance Corporation of India (LIC)  General insurance Corporation of India (GIC) . Mumbai-400021. 224.CHAPTER-2 REGISTERED OFFICE: Mittal Court.

OBJECTIVE OF COMPANY To maintain the position of market leader in various financial products and services offered by Stock Holding Corporation of India Ltd. STRATEGY Embracing most advanced next generation technology and providing better financial service solute . VISION To be market leader with the help of IT driven services and technology based wider product range. MISSION To be a world class-class µtechnology has driven¶ and µclient focused¶ market leader in financial and technical services.

Ramamurthy Anup Bagchi Siby Antony A. Sridhar & Santhanam M/s. R. M. Sekar  Director  Company Secretary  Statutory Auditors  Internal Auditors  System Auditors R K Bansal Wholetime Shashikant L Nayak M/s. .SHCIL BOARD OF DIRECTORS BOARD OF DIRECTORS Sanjeev Ghai S C Jain S. AAA Technology Pvt. Kalyaniwalla & Mistry M/s. Ltd. Miel-e Securities Pvt. Balasubramanian G. Viswanathan N. Ltd M/s.

CURRENT MANAGEMENT TEAM Director Executive Vice President Executive Vice President Sr. Vice President Sr. K Jagannath AP & Goa R K Bansal Wholetime R H Mewawala L Viswanathan K S Iyenger Manoj Borkar J S Narang Jaipal Menon Dinesh Shah S M Sawant Umesh Punde K V Ganapathy V Sriram B. Vice President Sr. Vice President Sr. Vice President Vice President Vice President Vice President Vice President Vice President Regional Managers Region D. Vice President Sr. Krishna Moorthy . R.

Latika Roy South Karnataka S. Radhakrishnan Umesh Punde Prabhat Dubey Meena Pednekar Ajay Sharma Amit Dassi Arup Bagchi R. Ravikumar R. Anand South 2 Maharashtra Gujarat Mumbai North West North East North East Central .

.CHAPTER-3 PRODUCTS OFFERED BY SHCIL (A) ADD SHARES SHCIL arranges loan against DEMAT shares. Tie-up with reputed banks which offer you the most Competitive interest rates in the market. You can use the shares in your free account as collateral and take a loan from any of our empanelled banks. y Competitive interest rates from a range of banks SHCIL has Tied up with. Add shares are available at SHCIL centers in the entire major Cities. SHCIL completes your documentation and processing and gives you a cheque within 48 hours of application. y SHCIL processes the entire paperwork required with the Bank. This is a pure value add to your depository account with us. Feature:y Loan against DEMAT shares held in the DP account with SHCIL.

Our positions as the clearing corporations of leading stock Exchanges ensure smooth and sure credits in your account. . With the odd surprise of not seeing them at all which you cannot discount! As your depository participant SHCIL assures you safe delivery of shares every time you buy on the exchange. An initial advance and timely replenishments into the purchase Advance account takes care of the payment for your purchases. We have lined up a panel of reputed brokers who process your orders on priority.y The service is available at any of over 100 branches of SHCIL. (B) EQUIBUY:Even after payments have been made we have to wait patiently to see those shares reflected in the DEMAT account.

infrastructure bonds and capital gain bonds to variable income securities like initial . 1000 and maintain a minimum balance of Rs 250 at all times. (C) FUND INVESTMENT Fund invest is a basket of financial products ranging from fixed income securities like fixed deposits. y Choose one or more brokers from a list of 77 brokers empanelled with SHCIL.Go through the detailed EQUIBUY procedure and you will see how EQUIBUY in a one stop shop for your share purchases. y Purchase on BSE or NSE. FEATURES :y An EQUIBUY instruction from you gets the shares credited into your account the next day of payout. Registration with broker is not necessary if you are already registered under any of our other product schemes. y Payment for your purchase made from a running account called purchase advance into which you remit an initial advance of Rs.

All these funds offer a wide variety of investment option depending on the risk appetite of the investor. FEATURES:At present. Some of the major categories are: y Debt funds: The debt funds have the mandate of investing primarily in debt papers. SHCIL is an AMFI registered mutual fund advisor (ARMFA). It is an attempt to offer financial products that that cater to the various investment needs of our esteemed clients.public offers (IPOs) of equities and mutual funds. Apart from guiding our investors to pick up the right combination of investment instruments we help them in µafter-sales¶ service by acting as an interlocutor between the investor and the issuer of the securities. . An effort to guide the investor to a product portfolio that best suits his risk-return profile. SHCIL is distributing schemes of 28 different mutual funds. Applications for investments can be sourced from any of the SHCIL offices.

Infrastructures bonds are issued by ICICI bank and IDBI. These papers generally offer 50 to 100 basis points more than bank fixed deposits of comparable period. y Balanced funds: The balanced funds have the mandate of investing both in equities as well as debt papers. These are µontap¶ issues. national housing bank. Allahabad Bank. SHCIL is distributing capital gain bonds of rural electrification corporation. we are distributing IDBI SUVIDHA fixed deposits and HDFC fixed deposits.y Equity funds: The equity funds have the mandate of investing primarily in equities. with section 88 as the main feature. y Initial Public Offer: IPOs offered by blue-chip corporate can be subscribed from stock holding. Issues recently distributed by us are Canara Bank. At present. y Capital gain bonds come under 54EC capital gains bonds. where the investors get exemption from capital gain tax. y Fixed deposits: fixed deposits with high investment rating and issued by blue-chip corporate are distributed by us. At present. Bharti Tele and I-Flex . y Private placements: debt papers issued for private placement with structural obligations by the state and central government typically targeted for trusts and provident funds are distributed by stock holding. small industries development bank of India and national highway Authority of India.

Exempt from Wealth Tax under Wealth Tax Act 1957 y TransferabilityNon-transferable. Bond ledger accounts can be opened and operated with RBI designated receiving offices. Subscriptions for savings bonds can be submitted at any of our branches.0% taxable bonds: These bonds are held in electronic form in an account called bond ledger account (BLA).(D) GOI BONDS:Savings bonds are issued by RBI on behalf of government of India in the following series: 8. non-tradable and cannot be used ascollateral for borrowings . Feature:y Investment Limit: Minimum investment is Rs. y Tax BenefitsInterest is taxable under IT Act 1961. 1st Aug or cumulative on maturity.1000 and there is no maximum limit Interest Option Payable half yearly on 1st Feb. Savings bonds being sovereign in nature are absolutely safe and an attractive investment option in the current volatile market situation. SHCIL has been designated as one of the receiving offices by RBI for this purpose.

y A fundamental principle of insurance is to put you in the same financial position after a loss or accident that you enjoyed before the loss. is a corporate agent of LIC for life insurance products and NIA for general insurance products. SHCIL has 100 odd branches all over India to take care of all your insurance related queries and needs.y NominationAvailable. Nointerest would accrue after maturity (E) INSURANCE SHCIL. We also provide free professional advice to clients on need base insurance. The insurance . but is much more difficult with the loss of life. SHCIL has a dedicated team of IRDA certified insurance advisors to provide all services relating to insurance. damage of destruction of your property (such as home or vehicle) or your health or life. This is relatively easy with repair or replacement of (say) a car. Only sole holder or surviving holder cannominate y Repayment: Repayable on expiry of 6 years from date of issue. FEATURES y An insurance policy compensates you against the financial impact that can arise following loss. a company promoted by insurance majors and financial institutions.

route the order to the broker of your choice and do the necessary fund and share movements for you. Stock direct ± India¶s first online trading platform was launched in 1999. (F) STOCK DIRECT:From your desktop you can now send instructions for buying/selling shares. SHCIL is the crux of stock direct. Today stock direct is the most secure online trading platform which combines encryption technology/digital signature features.policy is a contract and like any contract contains clauses and conditions. . national and international banks and Stock direct has changed the way you look at trading in securities. A few clicks will seamlessly check your funds and security positions. A three way hands shake between leading brokers. Claims are settled in accordance with the conditions detailed in the policy.

SHCIL offers the entire range of services that include design. The pension fund scheme administered by the trust could be a defined benefit or a defined contribution scheme. y Choose the exchange to trade from BSE and NSE. (G) PENSION FUNDS:SHCIL offers pension fund administration services to pension fund trusts. development and maintenance of a customized pension FEATURES :- .FEATURES:y A single instruction enables you to combine your trading. For both the scheme types. y Security measures based on encryption and digital signature technology make your online deals 100% secure. fund and shares transfer with SHCIL taking care of the settlement. y Trade from home on the internet with floppy containing stock direct software. y Open a purchase advance account with SHCIL to facilitate your fund transfers.

y Handling disbursements to members on commutation. y Pension contribution account maintained at individual member level. y Maintain books of accounts of the trust. annually. . y Reconciling contributions with remittance amounts.y Services Offered to a Defined Contribution Scheme Coordination with all client locations/branches for receipt of monthly contribution data of members. y Handling audit and filing tax returns. y Services offered to a defined benefit scheme y Service records of members maintained in electronic form. y Distribution of earnings to eligible members. y System generated pension orders. uniquely referenced and supported by necessary documents. y Liaoning with insurer for purchase of annuity. y Tracking pension orders during the period of survival of member. y Settling members claim on separation. y Updating of software to incorporate changes taking from time to time in pension rules and regulations. y Providing account statement to members annually.

well connected to client institutions. Banks. SHCIL. PF Trusts & Corporate. Mutual Funds.CHAPTER-4 SERVICES OFFERED BY SHCIL (A) CUSTODIAL SERVICES: SHCIL provides first-rate custodial services to India¶s leading Financial Institutions. with a dedicated pool of trained and experienced professionals working literally round the clock using state-of-the-art computer systems and world class technology. Foreign Institutional Investors (FII¶s). stock exchanges. Funds. Insurance Companies.s core competence in custodial business spans 18 years. SHCIL maintains dedicated communication channels. SHCIL is continuously leveraging its scale and capabilities to help its clients mitigate . clearing houses and depositories. As a custodian entrusted with sizable assets. Indian and Foreign Venture Capital Companies. thus maintaining process and quality leadership.

etc. At SHCIL. SHCIL seamlessly monitors trades and ensures failed trade management with reporting and resolution of mismatches. a client has the flexibility of settlement of funds through a wide panel of banks having RTGS facility. . SHCIL provides the choice of multiple STP service provides enabling competitive advantage of efficient settlements. (1)POST TRADING SERVICES SHCIL has specially trained personnel handling thousands of trade instructions involving large values on sophisticated systems using digital signature on STP (straight through processing) systems. ensuring smooth trade confirmations to stock exchanges.risk and optimize efficiencies with greater control.

This ensures smooth settlement of transactions on both exchanges/depositories. For the institutional segment alone. SHCIL has a unique clearing code on the two principal stock exchanges and separate DPM units on both NSDL and CDSL.(2)SETTLEMENT SERVICES Most of the institutional trades are settled through the clearing house of the stock exchanges. Daily verification of settlements (auction/normal) facilitates smooth reconciliation of settlements of client¶s trades and mitigates systemic risk. Funds are collected /deposited From/to client and settled with the clearing houses. based on the deliverables and receivables received by them for each settlement. SHCIL facilitates timely settlement of funds and securities. For debt market deals SHCIL ensures timely movement of securities and funds. . Most of the institutional trades are settled in the depository mode. As a custodian.

fire resistant µmodular sliding storage units¶. SHCIL also ensures that delivery of physical securities to exchanges is handled strictly as per exchange regulations. This includes tracking with bar-coding techniques. with objections handling if needed. SHCIL ensures prompt scrutiny. There are comprehensive document tracking and storage systems in place to hold investments in physical and electronic form. Certificates are held in customized. SHCIL tracks each and every security in the .For the occasional delivery and receipt of securities in the physical mode. with The objective of final transfer to the purchaser. processing and lodgment of securities with the respective company/ registrar and transfer agent. (3)PHYSICAL CUSTODY (VAULT) SERVICES: SHCIL has extensive vault capacity with state-of-the-art technology. with automated location tracking and logs with tight security.

conversion of physical holdings into electronic form. NSDL and CDSL. SHCIL also periodically seeks reconfirmations from internal and statutory audit firms for adherence to the established best practices. Other security features include circuit TV. providing of holding and transaction . re-materialization. A dedicated institutional DP team at SHCIL addresses your need for all core DP services like account opening and maintenance. SHCIL relies on audit trials and physical reconciliation continuously to reconfirm validity of systemic data. viz. smoke detectors and fire extinguishers which are installed in the premises.custody with absolute ease and tracks the status of investments at any point of time. repurchase and pledge instructions. (4)DP SERVICES: SHCIL has installed dedicated DPMs (depository participant modules) on both the depositories. settlement of trade instructions.

monitoring of CP redemptions. SHCIL also provides special services like electronic credit and corporate action follow up. collection of monetary corporate actions from the premises of company/registrar and transfer of same to clients. .statements and daily reconciliation of clients holdings. In case of any shortage. (5)ASSET SERVICING: SHCIL has dedicated teams to handle the various aspects of asset servicing. reconciling with companies/registrars prior to due date. reporting of saleable holding positions required by many fund managers. logical holdings and nonequity holding reports. The corporate actions team ensures forecast of all corporate actions and benefits accruing on a client¶s holding. prepayments and providing customized reports like put/call forecasts. timely collection of monetary and nonmonetary benefits and cover all activities relating to a corporate event like calculation of entitlements. active follow-up with each company. Customized reporting to clients on the status of corporate actions is done periodically.

calculates the entitlements.The primary markets team takes care of applications on behalf of clients for primary market issues. The team ensures prompt availability of information on all corporate announcements. Specialized µDatabank¶ team. which is unique to SHCIL. ISIN listings. Thus SHCIL is equipped to handle all types of instruments. follows up for allotment or refunds and sends customized reports to clients. money market instruments like CPs and CDs. . to the custodial teams and the information solely is for the benefit of SHCIL¶s clients. The dedicated redemptions team tracks the payouts of various debt instruments held by SHCIL¶s clients and monitors put/call options. etc. 2500 registrars besides all relevant information available in all leading stock exchanges and depositories. This team ensures timely monetary collection and deposits and keeps track of the outstanding amounts and reinvestments. over 12000 issued securities. listed on the BSE and NSE. This team tracks over 8500 companies. all kind of debt instruments and unlisted securities.

Fourteen depositoryParticipant machines (DPMs) connected to NSDL and seven connected to CDSL ensure fast and direct processing of your instructions. we have endeavored to constantly add and innovate to make business a pleasure for you. With a parentage of leading financial institutions and insurance majors and a proven track record in the custodian business. re-materialization and pledging of shares.(B) DEPOSITORY PARTICIPANT SERVICES: Our depository participant services address your individual investment needs. we have reiterated our past success by establishing ourselves as the first ever and largest depository participant in India. . Your DP account with us takes care of your depository needs like dematerialization. Form a tentative foray in 1998 into the individual investor arena to servicing around seven lakhs accounts. Our networked branches ensure we are available where you look out for us. Our customer-centric account schemes have been designed keeping in mind the investment psyche of our clients.

real-time quotes of scrip¶s on BSE and NSE and so much more online. Dedicated customer care lines manned by trained staff answer your queries on DEMAT/trades/holdings. SHCIL interactive.Matching of your scanned signature on every debit instruction with a digitally scanned original in our system makes all your trading transactions absolutely secure. Periodic statements sent to you keep you informed of your current account status. A proactive backup of tour instructions prior to execution in the depository makes us oblivious to system crashes. . stock market reports and statistics. Registration on our website. At SHCIL we place a very high premium on client reporting. corporate benefits declared by companies. enables you to check your account ± related information. The latest in client response at SHCIL is Interactive Voice Response (IVR) system for round the system for round the clock information on your account.

(C) DEMAT: De-materialization is the process of conversion of shares from physical form to the electronic mode. . Our dedicated DEMAT team enable you to convert your physical holdings/debentures/bonds/G-SECS into electronic mode in a quick and hassle free manner. This can be done by submitting the certificates along with the transposition form and the dematerialization request form (DRF). (1)TRANSPOSITION CUM DEMATERIALIZATION The clients can get the securities dematerialized in the same account if the names appearing on the certificates match with the names in the DEMAT account but are in different order.

. Notarized copy of the death certificate. (D) DERIVATIVE SERVICES: SHCIL provides clearing services for derivative segment of BSE/NSE and commodity segment of MCX / NCDEX. transmission form as per annexure OB and the dematerialization request form (DRF) have to be submitted by the surviving joint holder(s) along with the security certificates. the surviving holder(s) can get the name(s) of the deceased deleted from the security certificate and get the same dematerialized.(2)TRANSMISSION AND DEMATERIALIZATION In case of death of one or more of the joint folders.

(E) CLEARING MEMBER SHCIL¶s long standing association with clearing members has enabled it to develop services based on an understanding of their working and their requirement for timely and accurate information. fax and e-mail. our new products with a broker empanelment clause ensure a mutually beneficial tie-up. We accept deposits of base capital and additional base capital requirements stipulated by NSE for clearing members trading on its capital market segment. ISIN information. while we capitalize on their rapports with the market. We currently offer depository services to more than 680 clearing members of various exchanges connected with NSDL and CDSL. tariff. via telephone. Clearing members stand to earn a steady income from our product transactions and new add to their client base. Besides. Our customer care lines answer all your DP queries while the Interactive Voice Response (IVR) system gives you information on your account and other valuable data like CC calendar details. (F) NRI: . etc.

7 million satisfied investors out of which over 6000 are NRI clientele. SHCIL has a fully-fledged NRI cell operating specifically to cater needs pertaining to depository account opening and maintenance. Instruction for trade is accepted by fax on request by NRI cell to ensure timely settlement of trades. Any tariff and billing related query are addressed by NRI cell. SHCIL provides depository participant and other services close to 0.Over the years. SHCIL has grown to become a major player in the capital market. NRI cell coordinates with prospective NRI customers. With a network of offices operating across the country with franchisees operating abroad. . Collects and assist in obtaining the relevant documents and ensures the depository account is opened hassle free. In this case later on the client needs to regularize by sending the original trade delivery instruction. NRI cell collects physical certificates to be sent for DEMAT and ensure that the certificates are in order and can be sent for dematerialization under the existing guidelines issued by the depositories.

Chapter-5 SWOT ANALYSIS .

2. 3. 2. Fluctuating market conditions affect the business. 5. 4. Less investment in advertising THREAT 1. 3. Improper billings. . Acquisition of smaller DPs. 3. Promoted by 7 financial Institutions. Largest account holders. Promoters have become competitors with strong brand equity. 3. 4. Expensive. New products WEAKNESS 1. 7. 2. 2.STRENGTH 1. (Because separate account has to be opened according to holdings). Largest custodian. 4. Advanced system network OPPURTUNITIES 1. Collaboration with banks. Lack of aggressive marketing. Increased cost as perceived by customers. To increase business (by opening new branches at ruralurban areas). One stop shop for all financial solutions. E ± Broking. Catering to Indians as well as NRIs and FIIs. 6. 4. Wide coverage throughout the country.

1 position as depositor participant in all over India. 2.EXPERIENCE: Stock holding is the oldest organization in custodian business all over India and it has more than 10 years of experience in the field.BACK OFFICE SERVER : For perfection in work SHCIL has back office server facility where all the branches of SHCIL meet their necessary requirements before any information takes place with the NSDL.STRENGTHS: 1. Being a premier custodian SHCIL is currently holding more than 20 million certificates in etude as the largest custodian. SHCIL accounts for more than 50% of institutional business in the country.LARGEST DEPOSITPORY PARTICIPANT: SHCIL is at the No. SHCIL has excellent management and technocrat¶s team to handle workloads and provides the best of services to its customers. . 3.

National insurance corporation ltd.4. ltd. i. United India insurance co. Oriental insurance co.e. Life insurance Corporation of India. Industrial credit and Investment Corporation of India. New India insurance corporation ltd. y y y y y y y y Industrial development bank of India. PROMOTED BY FINANCIAL INSTITUTIONS: SHCIL is promoted by all the major financial institutions in India. . It has professionals on its board to look after the business and meet its current and future requirements in the market. ltd. (5)NEW PRODUCTS: SHCIL has offered some new products in the market like E-stamping to meet the customer requirement as well as established benchmark.

and ICICI bank. LARGE RURAL/SEMI-URBAN ARES ARE STILL UNEXPLORED: SHCIL has a growing structure of its branch network but still our rural and urban areas are not . HDFC. LESS ADVERTISEMENT SPILLS: SHCIL has less advertisement spill compared to its main competitor like Kodak securities. SOME BRANCHES ARE NOT CONNECTED THROUGH VSAT: SHCIL is the largest branch network depository participant in the custodian market but till now some few of the branches are not yet connected through the VSAT. OPPO RTUNITIES: 1. These are also producing the facilities of banking services and other related services to the customers.WEAKNESS: 1. 2. IDBI bank.

2. . SGL ACCOUNT: SHCIL is the first corporation. 3.cash is totally a new concept of SHCIL where an investor can present his share to knell in the market and can take payment within 48 hours without delays. Therefore it has become necessary to give attention to our rural and semi-urban sectors immediately.n.covered in the process whereby the common man participates in the growth of the economy.CASH: Sell.SELL ± N. 4. This enables the institutional investors to properly use their fund to derive the extra return from their investment. which got he non ± banking license to dematerialize the government securities.MUTUAL FUND MARKETING: Marketing and distribution of mutual fund is providing the facility to the customer who do have the time and the expertise and who are averse to risk.

2. CHARGES ARE HIGHER: Indian customers have less money at their disposal.5.1 in the custodial sector in the market and for providing the best services. it has higher charges detrimental for small investors. This field can enhance great opportunities and can alleviate their position in the market. INSURANCE MARKETING: Marketing of insurance services recently started by SHCIL is also a great opportunity available for its growth. Since SHCIL is the No. TIE UP WITH EXTERNAL AGENCY: . THREATS: 1.

The merger and tieups of financial corporations poses a bigger threat to SHCIL. No one knows about estamping as one of the services offered by SHCIL . second to mutual fund. M&A are a regular phenomenon in the market to beat the competition and create a place for itself. third to broking and fourth to insurance. 3. PRODUCTS AND SERVICES OF SHCIL According to the findings first ranking is given to Demat.Now day¶s tie-ups.

In-house capability to address all IT needs in terms of software development. network maintenance. back office processing. Regular Audits internal and external. database administration. backups and disaster recovery Multilevel security is maintained in software.Depositories. client and internal reports Expertise in running processes utilizing digital signatures. Clients and . paper and electronic systems.maintenance. applications and guards to access tovarious data. A focusedClient Relation Team to manage your needs & queries.Chapter-6 WHY SHCIL? Why customer would choose SHCIL as a preferred Service Provider? Well integrated front and back office. A single point contact foryour comfort. by SEBI.

Compliance to rules and regulations Constant review and benchmarking of processes to ensure adherence to globalbest practices Insurance cover with international re-insurance Full Confidentiality of business operations VALUES OF SHCIL: Safety & Efficiency of Operations is a hallmark of SHCIL  Professionalism & Integrity  Customer First  Relationship building  Commitment to Quality irrespective of asset size .

CAPITAL STRUCTURE OF SHCIL Promoter Life Insurance Corporation ( LIC) Unit Trust Of India (UTI) Industrial Development Bank ( IDBI) Generel Insurance Corporation & it¶s Subsidiaries ( GICI ) Industrial Finance Corporation of India (IFCI) ICICI Ltd.96 14.96 16.25 .97 16.96 16.99 0. ( ICICI Bank) Industrial Investment Bank of India ( IIBI) Others Holding pattern (%) 14.96 1.95 16.

Cemetery. Under-mentioned were the questions asked from the individuals. This data is based on the feedback provided by those individuals. The sample of the individuals was selected from the area ofsanjauli.Chapter-7 ANALYSIS This is the analysis of the survey done by me on the behalf of the Stock Holding Corporation of India Ltd. 1) NAME 2) PHONE NUMBER 3) LOCATION . to know the investment pattern and investment psyche of the general public in Shimla.Dhalli and surroundings. There were 112 individuals who were interviewed.

4) ANNUAL INCOME. 5) HAVE YOU INVESTED 6) HOW MUCH YOU HAVE INVSESTED 7) WHERE YOU HAVE INVESTED 8) OTHER INVESTMENT 9) IN WHICH COMPANY YOU HAVE INVESTED 10) HAVE YOU HEARD ABOUT SHCIL? 11) WOULD YOU LIKE TO MAKE INVESTMENT THROUGH SHCIL IN FUTURE .

1 Out of the data only0.89% of the people were having income more than 10 laces &4.e.The following is the analysis of survey: ANALYSIS .94.46% of the people were having income from 5 to 10 laces and remaining i.65% were having income less than 5 laces. .

10 lacs 5-10 lacs less than 5 lacs

ANALYSIS ± 2 There were only 4.46% people who have their investments between 5-10 laces or there were only 5 people out of 112 who have their investments above 5 laces.

Above 5lacs Less than 5lacs

ANALYSIS ± 3 There are50 .89% or 57 people out of 112 people, who are interested to make investments through SHCIL in

future, and remaining 38.39% or 43 people who are not interested to make investments through SHCIL.

How many would like to invest in SHCIL

Like to invest in SHCIL Not like to invest inSHCIL

ANALYSIS ± 4

25% people who had made investments and remaining 18.75% haven¶t made any investments? Invested Not invested .From the data collected there were 81.

00% people who have heard about SHCIL and 75.ANALYSIS -5 There were about 25. How many people heard about SHCIL Heard about SHCIL Not heard about SHCIL .00% haven¶t heard about SHCIL.

and bonds.ANALYSIS ±6 According to survey maximum of the individuals have made their investments in insurance products followed by the mutual funds. The investment made in these products is as followsy INSURANCE-92 y MUTUAL FUNDS-21 y STOCK-13 y BONDS-11 Individual Investment Insurance Mutual Fund Stock Bond . stock.

About 58% of the interviewed strata have invested in LIC and others are as followsLIC-58% ICICI-6% SBI-21% PNB-9% REC-0% SHCIL-2% RBI-2% UTI-3% GOI-1% HDFC-8% AVIVA-4% MAX-2% BIRLA-6% POST OFFICE SAVING-7% .ANALYSIS-As per the survey the most trusted corporate for the purpose of investment was LIC.

RELIANCE-3% Others-12% S.NO 1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 Feature Charges Service Promotion Personal touch Reliability Speed Time management Awareness about SHCIL Visit to SHCIL website Depository service Billing service Other service Working environment Dealing of employee with customer Relationship between clients and SHCIL Customer View Very high Good Need to invest in promotion Satisfactory Very reliable Good Satisfactory Less awareness Quite regular Good Unsatisfactory Good Needs more improvement Good Good Chapter-8 CUSTOMERS VIEW REGARDING SHCIL .

. That is why LIC insurance has maximum coverage in this stratum. The investor is more leaned towards long term and safe financial products. Many of the investors were invested through multiple financial products. The investment consciousness in Shimla is not so high due to which they are not able to make the best use of their savings. It was also found that investment of single investor is also diversified to other financial products. the investor invests into a limited range of products.Chapter-9 CONCLUSION As the average income of the people living in Shimla is not so high due to which the people are much tentative to the insurance product than the other investment opportunities. The investor is comfortable only with pristine products. The investment is limited to very few products. The general tendency of normal investor is precautious.

Chapter-10 DATA BASE SURVEY S. However.no NAME Phone No Location Annual Income Have u Invt. people trust SHCIL for their investments.Even Stock Holding Corporation of India Ltd. Other Invt. has great appeal in general masses but still the awareness regarding the Stock Holding Corporation (SHCIL) is less. Which Comp. . Shcil In vt. How Much Where Invt.

RELIANes y Kumarson than 5 lacs Less than 5 lacs depositmutual fund yes fixed no TheogLess than 5 lacs Less than 5 lacs deposit insurance LIC Sanjauli than 5 lacs Less than 5 lacs Less yes insurance LIC no Less yes insurance LIC no Sanjauli than 5 lacs Less than 5 lacs Less n Less insurance LIC no Cemetary than 5 lacs o than 5 lacs L Matiana 5-10 lacs yes 5-10 lacs fixed deposit insuranceIC.1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 20 21 22 23 24 25 Chet Ram Chauhan Kushal Dhalta Lokinder Chauhan Mukesh khakta Hitesh Khakta Hema Yaspal thakur Rajinder Chauhan Amar chand chandel Het Ram Chandel Hardev sarta Prakesh Dhalta Pravesh Dhalta Sandeep pantu Yash metha Rajesh Thakur Sushil Sharma Shailender Sharma Rakesh Napak Vijay Sharma Priya kushal Hira singh ghezta Vickey Surinder verma Mast Ram Chauhan 9816031504 9418589370 9418057631 9459571321 9418558675 9736177802 9816156876 9805533303 9418116175 9418646372 9418024331 9459380483 9418091892 9459741382 9882300777 981602593 9816043555 9882073163 0177-2645682 9459569437 9736630160 9816201615 9418462394 9816521424 9882063467 Cemetary 5-10 lacs yes 5-10 lacs fixed deposit insuranceLIC.LIC.HDFno Less n insuranceBirla sun life no Cemetary than 5 lacs o Cemetary than 5 lacs Less than 5 lacs deposit insurance Office.SBes Less yes fixed Post y Less n yes Cemetary than 5 lacs o Less yes SBI.SUBHYOG Ses y yes insurance LIC no DhalliLess than 5 lacs Less than 5 lacs yes fixed Canara bank.yes H Cemetary 5-10 lacs yesess than 5 lacs Matianaess than 5 lacs Less than 5 lacs deposit L yes fixed SBI no Matianaess than 5 lacs Less than 5 lacs L yes insurance LIC no Less yes fixed Post Office no Cemetary than 5 lacs Less than 5 lacs deposit yes fixed JubbalLess than 5 lacs Less than 5 lacs deposit insurance LIC.BIRLA.RD.Post office no n no DhalliLess than 5 lacs o Matianaess than 5 lacs Less than 5 lacs L yes insurance LIC yes yes no no no yes yes no no no no no no no yes yes no no no yes yes yes no no no yes .Post offno Cemetary than 5 lacs 5-10 lacs fixed deposit insurance L insurance DFC.PNB yes yes insuranceBirla sun life no JubbalLess than 5 lacs Less than 5 lacs Less yes fixed Birla Cemetary than 5 lacs Less than 5 lacs deposit insurance sun life.LIC.SBI.LIC.LIC no DhalliLess than 5 lacs Less than 5 lacs deposit insurance Less yes fixed DFC.SBI no Less than 5 lacs Less than 5 lacs yes insuranceBirla sun life no Shimla yes insurance HDFC no DhalliLess than 5 lacs Less than 5 lacs Sanjauli 5-10 lacs yes 5-10 lacs stock bond RVEY.RD.

PNB.LIC no UTI.RELIANC no LIC.Post Offi no no Aviva Life Ins no SBI yes SBI no Indusland bao n LIC.Pu o n LIC yes Max new yor no LIC. no no Kotak Mahines y LIC.L no LIC no HDFC.Sindicate no LIC yes LIC.ICICI.BAJAJ yes A SHCIL.PNB.IDB yes LIC.Canara no b SBI no LIC no LIC no no yes yes yes yes no no yes no yes yes no no no yes yes yes no yes no no no yes yes yes yes yes no yes yes no yes yes yes yes no yes no no yes yes yes no no .Bes y PNB.RELIA yes no UTI yes LIC.AVIVA no L no LIC.26 27 28 29 30 31 32 33 34 35 36 37 38 39 40 41 42 43 44 45 46 47 48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68 69 Surat Ram Chauhan Promila Verma Rakesh Chauhan Naresh Chauhan Rakersh Chauhan Vikram Chandel Ruchi Rajan Verma Poonam Kamla Verma Devi Ram Verma Tara Chand Shakuntla Balvinder Chauhan Sarla Subhadra Gyan Thakur Sanjeev Thakur Dinesh Amit Rita Arun Arivind Bantu Deppak Kaku Bekta Bunny Bitu Rajesh Khakta Sweeti Khakta Chintu Dishu Ganga Ram Vijay Kumar Geetu Kapil Baju Ram Chamel Rajinder Chauhan Gaurav Gopi Kishan Hardyal Metha Hans Raj Hardik 9882180898 9459979641 9459274503 9817577262 9459959020 9459979648 9459979646 9418379688 9857136572 9418647985 9459246322 9459212511 9459385145 9459979433 9817618028 9857201102 9418048596 9418127568 9418658430 9857647067 9459046065 9459032190 9418901443 9459036652 9218868172 9805506088 9459033428 9418215808 9418102038 9418213095 9816177701 9459282332 9816060123 9459821673 9816765379 9816568916 9805374059 9816341907 9816941179 9418701300 9817641006 9805866733 9857844560 9418670944 Matiana Less Less Dhalli Matiana Less Matiana Less Matiana Less Matiana Less Matiana Less Sanjauli Less Sanjauli Less Batta kufar Less Batta kufar Less Matiana Less Matiana Less Matiana Less Matiana Less Matiana Less Matiana Less Matiana Less Matiana Less Kotkhai Less Cemetary Less Malyana Less Tikkar Less Madhol Less Kotkhai Less New Shimla Less Dhalli Less Cemetary Less Kotkhai Less Cemetary Less Sanjauli Less Jubbal Less Cemetary Less Theog Less Cemetary Less Cemetary Less Sanjauli Less Sanjauli Less Cemetary Less Cemetary Less Sanjauli Less Sheelghat Less Less Bagi Cemetary Less than 5 no than 5 yes than 5 yes than 5 yes than 5 yes than 5 yes than 5 yes than 5 yes than 5 yes than 5 no than 5 no than 5 yes than 5 yes than 5 yes than 5 yes than 5 yes than 5 yes than 5 yes than 5 yes than 5 yes than 5 yes than 5 yes than 5 yes than 5 yes than 5 yes than 5 no than 5 yes than 5 yes than 5 no than 5 yes than 5 yes than 5 yes than 5 yes than 5 yes than 5 yes than 5 no than 5 yes than 5 yes than 5 no than 5 yes than 5 yes than 5 yes than 5 yes than 5 yes Less Less Less Less Less Less Less Less Less Less Less Less Less Less Less Less Less Less Less Less Less Less Less than 5 lacs insurance than 5 lacs insurance than 5 mutual fund insurance than 5 lacs insurance than 5 bond than 5 fixed deposit insurance than 5 lacs insurance than 5 mutual fund stock than 5 mutual fund than 5 fixed deposit insurance than 5 fixed deposit insurance than 5 lacs insurance than 5 stock insurance than 5 stock insurance than 5 fixed deposit insurance than 5 mutual fund bond than 5 others than 5 mutual fund insurance than 5 mutual fund insurance than 5 others insurance than 5 lacs insurance than 5 lacs insurance than 5 mutual fund insurance Less than 5 bond insurance Less than 5 fixed deposit insurance Less Less Less Less Less Less than 5 others insurance than 5 others than 5 others than 5 fixed deposit insurance than 5 mutual fund stock than 5 others Less than 5 mutual fund stock Less than 5 mutual fund insurance Less Less Less Less Less than 5 mutual fund insurance than 5 fixed deposit insurance than 5 others than 5 lacs insurance than 5 lacs insurance no LIC no LIC no LIC no LIC no ICICI yes Post Office.LIC.RBI taxa yes co-operative no LIC no LIC.SB no PNB no no AVIVA LIFE no ICICI.Axis ban no LIC.HDFC.

.

LIC.Or yes insurance LIC yes insurance LIC.SBI no Less than 5others la insurance LIC.SBI.LIC.HDFC no insurance LIC.SBIno la Less than 5bond la insurance RBI. la no Less than 5 lacs insurance LIC yes Less than 5 lacs insurance LIC no Less than 5others la insurance LIC no Less than 5 lacs insurance Max new york no Less than 5stock la insurance SHCIL.SBI yes no Less than 5others la insurance ICICI.LIC.Orie no Axis bank.ICICI no Less than 5mutual fund insurance ICICI.70 Inder 71 Rajesh 72 Lokinder Chauhan 73 Harish Sathan 74 Man Singh Manta 75 Lakashya 76 Lucky 77 Mahesh 78 Ashish 79 Mohit 80 Mohit 81 Mukesh 82 Joginder 83 Prakesh 84 Rajinesh 85 Rajinder 86 Rakesh Sharma 87 Ram Gopal 88 Rohit Chauhan 89 Sanjeev 90 Sunny 91 Statish 92 Shushil 93 Shushil 94 Sohan Thakur 95 Suresh 96 Surinder 97 Vikram Thakur 98 Bupinder 99 Tarun 9816626226 Totu Less than 5yes la 9418171426 Gumma Less than 5yes la la 9816187733 Kotkhai Less than 5yes 9857844858 Kotkhai Less than 5yes la la 9459581196 Rohru Less than 5yes 9418040922 Sanjauli Less than 5no la la 9459974211 Kotkhai Less than 5yes 9736277999 Matiana Less than 5yes la la 9816131947 Shimla Less than 5yes 9459747447 Kotkhai Less than 5yes la la 9459382808 Batta kufarLess than 5yes 9816539775 Tikkar Less than 5yes la 9418561844 Kotkhai Less than 5yes la la 9418190319 Kotkhai Less than 5yes la 9418588949 Cemetary Less than 5no 8894330029 Nankhari Less than 5yes la 9418678867 Cemetary Less than 5yes la la 9418678867 Cemetary Less than 5yes la 9418121601 Cemetary Less than 5yes 9805648774 Batta KuffarLess than 5yes la 9418249524 Cemetary Less than 5yes la la 9129005100 Cemetary Less than 5no 9816432903 Tikkar Less than 5no la la 9459580009 Sanjauli Less than 5yes 9805409904 Nearva Less than 5no la la 9817165267 Nankhari Less than 5yes 9817210803 Shimla Less than 5no la la 9816041082 Shimla Less than 5no 9418579508 Matiana Less than 5yes la la 9418325511 Shimla Less than 5no Less than 5others la Less than 5others la Less than 5others la Less than 5 lacs Less than 5others la insurance LIC.PNB no la Less than 5 lacs insurance LIC no Less than 5mutual fund insurance UTI.LIC.SBI la no no yes Less than 5 lacs insurance LIC no no Less than 5 lacs insurance LIC yes no no Less than 5 lacs insurance LIC no yes yes no yes yes no yes yes no yes no no yes yes yes yes no no no yes yes yes yes yes yes yes yes no yes yes yes .PNB.GO yes no Less than 5others la insurance LIC no Less than 5fixed depositinsurance LIC.PNB.UCO yes Less than 5fixed depositinsurance LIC.

SB no yes no no no no no no no no no no no no .AVIVA no la Less than 5 lacs insurance LIC no 5-10 lacs fixed depositinsurance LIC.HDFC.PNB yes la Less than 5fixed deposit la SBI no Less than 5fixed depositinsurance Bajaj Alliance la no no Less than 5stock la insurance Birla sun lifeo n Less than 5 lacs insurance LIC no no Less than 5fixed depositinsurance LIC.100 Suman 101 Sanju 102 Ume 103 Vickey 104 Yashpal 105 Aashu 106 Anu 107 Yogesh Thakur 108 Pradeep 109 Arvind klanta 110 Vijay Sharma 111 Ramesh 112 Anil Chauhan 8091497305 Shimla 9882207200 Cemetary 9857747179 Totu 9418589859 Cemetary 9805312759 Kotkhai 9816022140 Sanjauli 9459960394 Kotkhai 9816036603 Kotkhai 9418086921 Kotkhai 9857258693 Jubbal 9459972174 Cemetary 9816071964 Jubbal 9418940957 Cemetary Less than 5yes la Less than 5yes la Less than 5yes la Less than 5no la Less than 5yes la Less than 5yes la Less than 5no la Less than 5yes la Less than 5yes la 5-10 lacs yes Less than 5yes la Above 10 lacs yes Less than 5yes la Less than 5fixed depositinsurance LIC.PNB no la Less than 5 lacs insurance Birla sun lifeo n Less than 5fixed depositinsurance LIC.BA no Less than 5 lacs insurance LIC.BAJAJ.

nsdl.moneycontrol.Chapter-11 BIBLIOGRAPHY www.investopedia.onlinestockholding.sebiindia.com www.shcil.com www.com www.com www.com .com www.