A Summer Training Project Report On

“Marketing and Finance Strategies”

In The Leading Solution company

Submitted in Partial fulfillment of the requirements

for the award of the Degree of
Bachelor of Commerce Honors
GURU GOBIND SINGH INDRAPRASTHA UNIVERSITY (2020-2023)

Submitted to: CMA Ajay Jain Submitted by:

Name- Amandeep Singh
BCOM Hons - 5th Semester
Roll No.-00715188820

1
 FORM - C

SUMMER TRAINING APPRAISAL

Name of the student: Roll No.:

Programme:
You are requested to provide your opinion on the following parameters.
Outstanding Good Satisfactory Unsatisfactory
A B C D
1. Technical knowledge gathered about the industry and the job he/she was involved.

2. Communication Skills : Oral / Written / Listening skills

3. Ability to work in a team

4. Ability to take initiative

5. Ability to develop a healthy long term relationship with client

6. Ability to relate theoretical learning to the practical training

7. Creativity and ability to innovate with respect to work methods & procedures

8. Ability to grasp new ideas and knowledge

9. Presentations skills

10. Documentation skills

11. Sense of Responsibility

2
12. Acceptability (patience, pleasing manners, the ability to instill trust, etc.)

13. His/her ability and willingness to put in hard work

14. In what ways do you consider the student to be valuable to the organization?
Consider the student’s value in term of: (a) Qualification
(b) Skills and abilities
(c) Activities/ Roles performed

15. Punctuality
Any other comments: ____________________________________________

Assessor’s Overall rating

Assessor’s Name:
Designation:
Organization name and address:
Email id:
Contact No:

3
4
5
 DECLARATION

I hereby declare that the project work, entitled "Marketing And Finance Strategies" for the
degree of BACHELORS OF COMMERCE HONORS is my original work and project
work has not informed that the basis for the award previously of any degree, associate Ship,
Fellowship or any other similar titles.

AMANDEEP SINGH

Signature of the Guide Signature of the Candidate

Place:-
Date:-

6
 ACKNOWLEDGEMENT

The internship opportunity I had with The Leading Solutions was a great chance for learning
and professional development. Therefore, I consider myself as a very lucky individual as I
was provided with an opportunity to be a part of it. I am highly obliged to MANAGEMENT
EDUCATION AND RESEARCH INSTITUTE (DELHI), for giving me the opportunity to
do internship with The Leading Solution. Therefore, I take this opportunity to extend my
sincere thanks to MANAGEMENT EDUCATION AND RESEARCH INSTITUTE and
The Leading Solution for offering a unique platform to earn exposure and garner knowledge
in the field of Sales and Marketing I express my deepest thanks to Mr. Aman Gautam, for
taking part in useful decision & giving necessary advices and guidance and arranged all
facilities to make life easier. I choose this moment to acknowledge her contribution
gratefully. I am especially thankful to my faculty guide CMA Ajay Jain for her constructive
support during the summer internship period, which leads to successful completion of my
internship at leading solution.

7
 EXECUTIVE SUMMARY

Theoretical knowledge and practical knowledge are the two eyes of the management education.
Management education without practical training at an organization remains incomplete. The training
prescribed by the SHOOLINI UNIVERSITY have various objectives like helping the student to
acquire knowledge, give an opportunity to know the difference between Theoretical knowledge and
practical knowledge, enable the student to interact with the customers and experienced and
knowledgeable persons of business world.
As a student of MBA, I got an opportunity to undergo on a training. The training title is "I had
successfully completed my training report within the specified time. It was really a thrilling
experience for me with senior officials of Industry and to interact with different members
emolovees. and customers of the organization. It was a great experience of eniovment through
hard work and dedication. By this opportunity I understood how the companies which are into
investment consultancy promote their product. In this report I will be discussing what are the major
investment areas in India and Consumer Perspective Towards Various Investment Sectors and the
sales practices in The Leading Solution.

8
 CHAPTER -1 PROJECT OVERVIEW

The purpose of the Consumer is to study the perspective of consumers towards various investment
sectors. Investors' perception will provide a way to accurately measure how the investors think about
the products and services provided by the company. Today, trying economic conditions have forced
difficult decisions for companies. Most are making conservative decisions that reflect a survival mode
in business operations. During these difficult times, understanding what investors on an ongoing basis
are critical for survival. Executives need a third party understanding of where investor's loyalties
stand. More than ever management needs, ongoing feedback from the investors, partners and
employees to continue to innovate and grow.
The main objective of the project is to find out the needs of the current and future Investors.
For this analysis, customer perception and awareness level will be measured in important areas such
as:
1. To understand in-depth about various investment sectors available in India.
2. To find out how investors get information about various financial Instruments.
3. The type of financial instruments, they would prefer to invest.
4. The duration for which they would prefer to keep their money invested.
5. What are the factors that they consider before investing,
6. To give some recommendations to the investors where they should invest.
7. To know the risk tolerance level of the individual investor and suggest a suitable portfolio.
8. To develop a profile of a sample Indian individual investor in terms of their demographics.
And demographics based on the occupation of the sample investor.
9. To identify the objective of savings of an investor. To study the dependence/impendences of the
demographic factors (Age) of the investor and his/her risk tolerance level.

9
 CHAPTER-2: COMPANY PROFILE

The Leading Solutions is the one stop solution provider for all your financial needs. The objective is
to serve the customers with the best solution for directing their finances in the most profitable
direction.
Company facilitate various trainings and development programs with top B-schools and they have
already trained thousands of interns till date. they have liaison with more than 50 universities in India
with the base size of 800 and above campuses. keeping in mind the most critical needs in today's
context, they have emerged as a service partner of various bank providing one stop solution offering a
gamut of
Thus, their mission is to establish high standards of professional etiquette and to effectively facilitate
a comprehensive and accomplished system of continuing professional development for every possible
profession through our exceptional training solutions
TLS is one of the developing consulting firm in India. At TLS, they give broad administration
services to high and HNI clients. their exceedingly prepared and concentrated group draw in with
customers from the nation over just as those based abroad. they facilitate every one of the
administrations expected to deal with customer's cash and plan for their very own and family's present
and future needs.
MISSION -
To assemble a world class business through high quality and genuine budgetary arrangements upheld
by sharp research and master group. The arrangements are conveyed by specialists who comprehend
the particular yearnings of each customer.
VISION -
To upgrade the perception of investors moving them from traditional investment decision making to
diversified one. In this dynamic economy it is always better to diversify your funds. We work on the
core mentality of investors and try to shift their interest from traditional to modern mind set by
providing them greater choices to invest. To expand our piece of the overall industry year on year and
keep up a similar dimension of involvement for each customer. What's more, guarantee that we
become the most profitable resource for every customer.

10
 Services provided by The Leading Solution

❖ Consulting Services -
TLS have a bunch of consultants that provides due diligence to the various businesses relating to their
essential business choices like Merger and Amalgamation, Investment and growth into the new areas,
etc. and that we additionally facilitate in characteristic the new and effective sources of benefits
whereas avoiding risk. We have a tendency to principally offer the subsequent services:
• Corporate Development & Finance
• Investment
• People & Management
• New Market/Partner/Vendor analysis
• Operations
• Technology

❖ Taxation Services -
Tax systems vary widely among nations, and it is important for individuals and corporations to
carefully study a new locale's tax laws before earning income or doing business there. TLS guides you
about your comprehensive taxation planning. TLS will give you insights of taxation that will help the
client to manage the taxation regime of his business.
❖ Accounting Management -
Accounting includes recording of financial transactions along with storing, sorting, retrieving,
summarizing, and presenting the results in various reports and analyses. They provide customized
accounting solutions to the clients and with latest analytical tools and technologies it provides cutting-
edge innovative solutions to your accounting needs ~ Portfolio Management -
Portfolio management is the art and science of making decisions about investment mix and policy,
matching investments to objectives, asset allocation for individuals and institutions, and balancing
risk against performance. It is important for an individual to diversify his investment portfolio as to
reduce risk and to gain maximum returns, so they provide assistance in diversifying the investments.
❖ Recruitment Services -
Recruitment refers to the overall process of attracting, shortlisting, selecting and appointing suitable
candidates for jobs (either permanent or temporary) within an organization. They filter the right
candidate according to the requirement. Apart from internal and external job analysis, they interview
candidates for you and help in recruitment planning

11
 VARIOUS INVESTMENT SECTORS

1.Banking sector -
• The banking sector is an industry and a section of the economy devoted to the holding of
financial assets for others and investing those financial assets as a leveraged way to create
more wealth.
• Reserve Bank of India (RBI) is empowered to regulate, control, and inspect the banks in
India.
• Banking industry is the backbone of India's financial services industry.
• Country has several public sector, private sector, foreign, regional rural and urban/rural
cooperative banks.
• Financial instrument in the banking sector-
• FD
• RD
• Fixed Deposits (FD) and Recurring Deposits (RD) are both financial instruments that allow
people to earn interest on their investments. ... The minimum principal deposit required for an
FD and RD also varies for different banks. There are different Recurring Deposit schemes
available to people.
2. Investment in Gold -
• Gold is considered a safe investment Gold.
• Gold is supposed to act as a safety net when markets are in decline since the price of gold
doesn't typically move with market prices.
• It can be considered a risky investment as well, as history has shown that the price of gold
does not always go up, particularly when markets are soaring.
• Investors typically turn to gold when there is fear in the market and they expect prices of
stocks to go down.
• It is most preferred investment in India.
3.Stock Market-
• SEBI is the regulator of stock markets in India
• Stock markets in Indian are-National Stock Exchange
• Bombay Stock Exchange
• Stock market is a place where shares of pubic listed companies are traded.
4.Mutual Funds
• Mutual funds are operated by professional money managers.
• It is a type of financial vehicle made up of a pool of money collected from many investors to
invest in securities.
• Managers invest in stocks, bonds, money market instruments, and other assets.
• Managers allocate the fund's assets and attempt to produce capital gains or income for the
fund's investors.
• A mutual fund's portfolio is structured and maintained to match the investment objectives
stated in its prospectus.
5.Real Estate Investing -
• Buying and owning real estate is an investment strategy that can be both satisfying and lucrative.
• Real estate is a tangible asset.
• Real estate has three basic categories-residential, commercial and industrial.
• It requires a lot of money to invest.

12
6.Post Office Saving Schemes -
• Post Run by Central Government
• The post office savings account is a deposit scheme provided by the post office throughout
India
• The account can be transferred from one post office to another.
• A post office savings account requires a minimum balance of Rs. 20 to open the account.
• The cash can be withdrawn either partly or completely if need be.
• Post Office Investments include a number of saving schemes that provide high rate of interest
as well as tax benefits and most importantly, carry the sovereign guarantee of Indian
Government. All these schemes are tax exempt under Section 80c, i.e. tax exemption up to
Rs. 1,50,000 is allowed. Some schemes like Public Provident Fund (PPF), Sukanya Samriddhi
Yojana (SSY), National Savings Certificate (NSC), Post Office Time Deposit for a 5 Year
Term and Senior Citizen Savings Scheme (SCSS).
7.Public Provident Eund.-
• Public provident fund is a popular investment scheme among investors courtesy its multiple
investor-friendly features and associated benefits
• It 1s a long-term investment scneme popular among indiviquals wno want to earn nign but
stable returns.
• A minimum of Rs. 500 and a maximum of Rs. 1.5 Lakh can be invested in a provident fund
scheme annually.
• Indian citizens residing in the country are eligible to open a PPF account in his/her name
8 Government Bond -
• A government bond is a debt security issued by a government to support government
spending and obligations.
• Government bonds can pay periodic interest payments called coupon payments.
• The multiple variants of Government bonds are below -
• Fixed-rate bonds
• Floating Rate Bonds (FRBs)
• Sovereign Gold Bonds (SGBs)
9.Insurance -
• The insurance sector is made up of companies that offer risk management in the form of
insurance contracts.
• The basic concept of insurance is that one party, the insurer, will guarantee payment for an
uncertain future event.
• Financial services offerings in this segment are primarily offered across two categories:
• General Insurance (automotive, home, medical, fire, travel, etc.)
• Life Insurance (term-life, money-back, unit-linked, pension plans, etc

13
 Chapter- 3 Introduction to the project

India First Maha Jeevan Plan

The India First Maha Jeevan Plan is a non-linked insurance plan with bonus facility. It offers life
cover plus savings and helps to enhance the wealth of the policyholder with the bonuses available
under this policy. Protection is provided to the beneficiaries in case of the untimely death of the life
insured, while the policyholders themselves receive a lump sum benefit if they survive the policy
India First Maha Jeevan - Key Features:
• This policy is a non-linked insurance plan that has both Maturity and Death Benefits.
• The policy helps increase the policyholder's wealth by may of the Terminal Bonuses and
Simple Revisionary Bonus
• The nominee may receive up to ten times the annualized premium on the premature
policyholder's death. you can calculate the life insurance premium here
• The policyholder may opt for loan against his/her policy.
• Policyholders may choose to enhance their life cover with a rider that is available under this
policy.
India First Maha Jeevan - Benefits
• If the life insured outlives the policy's maturity date, he or she receives a maturity benefit,
which is equal to the guaranteed sum assured plus the simple reversionary bonus and
terminal bonus (if any).
• The beneficiary of the policy receives a death benefit in case of unfortunate death of the
insured person. The death benefit paid is the guaranteed sum assured plus the accrued
reversionary bonus and terminal bonus.
The death benefit is calculated as the following:
1. When the entry age is less than 45 years, the death benefit is the higher of sixteen times the
annualized premium or 100% of the Guaranteed Sum Assured plus the Accrued Bonus and Term
Rider Sum Assured (if any).
2. When the entry age is 45 years or higher, the death benefit is the higher of seven times the
annualized premium or 100% of the guaranteed sum assured plus the accrued bonus and term rider
sum assured (if any).
• This policy provides Simple Reversionary Bonus and Terminal Bonus that are paid as part of the
Maturity Benefit or the Death Benefit.
• Under the sections of Income Tax Act 80 C and 10(10D) Tax benefits can be availed.

India First Maha Jeevan - Policy Details

Grace Period: A limited time frame of 30 days is provided to the life insured as a grace period during
which the insured person can clear all the premiums. In case of failure of premium payment the term
of the policy discontinues. The timeframe for monthly mode of payment is fifteen days.
Policy Termination or Surrender Benefit:
The policy may be surrendered after three years of 11 premium payment. If the premiums of the
policy are not paid for two full years, then the policy expires. If the policy is not restored within the

14
renewal period, the policy is terminated. The tenure of policy also comes to an end when the maturity
benefit or death benefit is paid to the insured.

Free Look Period:

From the starting date of policy issued, the insurance owner have a limited 15 days period of free-look
during which they can initiate policy cancellation if he/she did not read the terms and conditions
offered by the policy. The customer will receive the paid premium and a proportionate premium for
the risk borne by the company is subtracted, including any add-on expenses, like medical examination
or stamp duty charges.
Inclusions:
The insured can avail policy loan after the policy gains the surrender benefits, on the condition that
the loan amount does not exceed 90% of the surrender benefits.
Additional Features or Riders
• Policyholders may opt for the India First term rider in order to enhance their life cover, the
additional Sum Assured of which is payable on policyholder's expiry. The Sum Assured under the
rider cannot exceed the life cover opted under the policy.
• The lapsed policy can be renewed if the insured person submits a request for renewal of policy
within a period of 2 years of timeframe from the date of the first unpaid premium.
• If premiums for three policy years are paid, and subsequently the policyholder fails to pay again
during this period, then the policy acquires Paid- up Value.
Exclusions
The coverage of the term insurance is nullified if the life insured, ends his/her own life seese can say
if he/she commits suicide within 12 months from the date policy is issued and comes into action. The
insurer of the policy returns only 80% of the premium paid to the beneficiary of the policy. In case,
the policyholder does the same act within a year of policy renewal then the nominee of policy would
receive either the surrender benefits or the 80% of the premium paid whichever is higher.
Documents Required
Apart from the 'Application form the applicant must submit his/her identity proof, address proof,bank
account proof, and a recent photograph. Selected cases may require income proof and medical
examination. You can also go for the online process for more convenience

15
 CHAPTER-4: REVIEW OF LITERATURE

It was proposed to survey the literature regarding differentiation of the product offerings. In the event
that the consumer finds him or herself in market that displays low level of differentiation, the
consumer might result to purchasing influenced by convince. Like consumers who displays complex
buying behavior consumers with dissonance reducing behavior were seek to establish personal belets
regarding the products. These beliefs with eventually transforms into attitude regarding the product
offerings. Some Economist had done extensive work on this as a whole. There had been certain
endeavors that have direct or indirect bearing on the present study.
Assael(2004) considered consumers displaying habitual buying behavior as consumers who did not
experience the same sequences the previous two behavioral types. Instead of basing their decision
making process on seeking product information pertaining to functionality or characteristics, this type
of consumer purchase was based on information gathered passively via. Company's promotional
efforts, by it through the medium of TV, Radio, or Print Advertising. Common to this type of
consumer, is "brand switching" in order to satisfy there need for diversification.
Howard and Seth(2005) fully ascertained the effects that branding had on the consumer decision
making process. Howard model is used in the process of decision making during purchasing activities.
Its model illustrates that cognitive decision making is the process in which consumers
mentally process information that influences them.
Kepferer(2007) mentioned that shift in focus towards brands began when it was understood that they
were something more than mere identifiers.
Aaker and Joachmisthaler(2011) stated the traditional branding model where a brand management
team was responsible for creating and coordinating the brands management program.
The basic objective was the coordination with the manufacturing and sales departments in order to
solve any problem concerning sales and market share.
Kotler(2014) concluded that the essence of this approach is critical for organizational success, so that
they can have better understanding of their customer's behavior. The physical action or behavior of
consumer and their buying decision every day can be measured directly by marketers. For that reason
many organizations these days are spending lot of their resources to research how customer makes
their buying decision, what they buy, how much they buy, when they buy and where they buy.

16
 CHAPTER - 5: RESEARCH METHODOLOGY

TASK:-
As a part of the Summer Internship Program we have been assigned to generate new leads for the
product India First Life Maha Jeevan plan.
RESEARCH METHOD:-
This Exploratory research has been conducted through primary data. The data has been collected
through telephonic interview or questionnaire.
RESEARCH DESIGN:-
Geographical location: The geographical location taken for the purpose of data collection and the
research is Solan.
Sample size: The sample size for collecting primary data is 200 out of which 50 respondents
Data collection method:
Primary Data:- The data has been collected through telephonic interview, questionnaire.
Target group: The respondents consist of earning members of the family, people retiring from their
job, youngsters who recently started earning.
OBJECTIVES:
1. To know the perspective of consumer.
2. Influence of direct selling on buy in behavior.
3. Buyer decision making.
4. Types of customer on the basis of buving.
5. Influence on the brand by direct selling or marketing.
6. How customer perceive the brand.
7. Comparison of different brand n which people are investing.
8. To find out the reasons why clients are not purchasing the product.

17
 CHAPTER 6:- DATA ANALYSIS

Data analysis is the process of inspecting, organizing, transforming, and modeling data with the goal
of finding useful information, making conclusions, and supporting decision making.
Analysis means decomposing the whole into individual components for individual testing. Data
analysis is the process of obtaining raw data and transforming it into information that is useful for
decision-making. Collection and analysis of data to answer questions, verify hypotheses, or contradict
theory is a part of the process of analysis.
1. AGE PROFILE OF INVESTORS

INTERPRETATION: Majority of people are belonging to the age group of 41-50 than the younger
one who likes to invest age group of 19-30.
2. OCCUPATION PROFILE OF INVESTORS

INTERPRETATION: maximum of investors are from private sector followed by the

business, few investors are those who working in government sector.

18
3. INVESTMENT AVENUE PREFERRED BY THE INVESTORS

INTERPRETATION: Majority of the investors prefer investing in Banking sector

followed by insurance, than real estate or gold

4. MONTHLY INCOME PROFILE OF INVESTORS

INTERPRETATION: The monthly income profile of the investor reflects that most
of the investor belongs to the income level of Rs 40,001-50,000 followed by of the
investors belong to the income group of Rs.30,001 to Rs.40,000.

19
5. TIME DURATION PREFERRED BY THE INVESTOR FOR INVESTMENT

INTERPRETATION: Majority of people wants to invest their money for a longer

period where as few of them wants to invest their money for shorter period

6. TYPES OF RETURN PREFERRED BY THE INVESTOR

INTERPRETATION: Maximum (62%) of people wants to invest in which they

receive fixed return where as (38%) people wants fluctuating return.

20
7. IMPORTANCE OF LIQUIDITY IN INVESTMENT

INTERPRETATION: Maximum people consider liquidity to be very important

while making an investment, but believed it is not the single most important factor
while considering an investment

8. IMPORTANCE OF HIGH RETURN IN INVESTMENT

INTERPRETATION: Maximum of people consider Higher returns to be very

important factor while making an investment. Everyone believed Higher Returns to be
an important factor while making an investment.

21
 CHAPTER -7: FINDINGS

Most of the people belong to the age group of 41 to 50 years followed by those belonging to
the age group of 19to30 years. Majority of people belonged to the private sector followed by
businessmen and others. Majority of the people preferred investing in banking sector
followed by insurance, gold and post office scheme. Only some people prefer direct
investment in the stock market. The monthly income profile of the people reflected that most
of the investor belongs to the income level of Rs 40,001/-50,000and followed by the investors
belong to the income group of Rs 30,001 to R$ 40,000.Majority of the population was not
aware of India First Maha Jeevan Plan. People considered liquidity to be important while
making an investment. Mostly people considered liquidity to be important but believed it is
not the single most important factor while considering an investment. Everyone believed
liquidity to be an important factor while making an investment.
Higher returns were also considered to be very important while making an investment. Low
Risk is an important factor while making investment decisions. Everyone agreed that they are
not willing to take high risk while investing there money. Investors are giving more
importance to higher return, less risk and reputation of the company before investing in the
plan. The product offered by the company gives the fixed high return as compared to other
investment option. The product offered by the company is a flexible product. There is a tough
competition in the investment market. Maximum people usually prefers to invest in bank's
FD and RD. High Bonuses schemes attract more customers. Many people are not aware about
different investment options available in the market. Trust play an important role while
buying a product.

22
 CHAPTER - 8: LIMITATIONS

• The field work for the purpose of research was limited to some part of Solan city only.
Therefore, it may not represent the overall consumer's perceptions as consumers
perceptions may vary from place to place due to demographic factors.

• The research was carried out in a short period. Therefore, the sample size and the
parameters were selected accordingly so as to finish the work within the given time
frame.

• Due to COVID-19 everyone was facing cash crunch so people who liked the product
was not able to invest in the product because of the financial problem.

23
 CHAPTER -9: CONCLUSIONS

The summer internship project plays an important role in management education

where students get a golden opportunity to apply his knowledge and learning gained
from classroom lectures in practical business environment. I have also learnt a lot by
my Internship at The Leading Solution. This research has been done to study
consumer perspective towards various Investment sectors in The leading solution. The
people in SOLAN still prefers to invest in the bank's FD and RD. People having
knowledge about investment market invests in other investment options also. But
maximum people still prefer to invest in known investment options like. There is high
knowledge about Bank of Baroda
but people were not aware about the investment bond and there are some people who
are aware about it but they are not aware about the many benefits that comes with the
product.
People were usually impressed with the features of the product but due to pandemic
they were facing financial problems so after being interested in the product they
weren't able to purchase the

24
 CHAPTER-10: RECOMMENDATIONS

• IMPROVEMENT IN THE SERVICE: The first and foremost

recommendation that can be suggested from the findings of the researchis the
improvement in services. As there are high competition in the investment market so
people have many options to choose from Therefore a small problem faced by a
customer may lead to losing that one.

• ADVERTISEMENT:-Company need to advertise more about the product

so as to increase their sales

• COUPONS: - Company can also offer Some extra benefits or coupons so as to attract
more customers.

25
 CHAPTER -11: BIBLIOGRAPHY AND REFERENCES

Books:

• Security analysis & portfolio Management by Ranganatham

(ISBN-10:9788131759202, ISBN-13:978-8131759202, ASIN: 8131759202)
• From The leading solution's Members
• Articles on different investment options in India.
• Customer's views on different investment options.

Websites:
http://www/theleadingsolution.com/
http://tradebrains.in/best-sectors-for-long-term-investment-in-india/
http://www.investindia.gov.in/sectors
http://www.financialmoney.com/money
https://www.nitinbhatia.in/stocks/
https://www.reliancesmartmoney,com/stocks/
https://cleartax.in/investments
https://www.moneycontrol.com/promo/mc_interstitial_dfp.php?size=
1280x540
https://www.bseindia.com/https://www.equitymaster.com/

26