CHAPTER 3

KEY LEARNINGS

Products and services

Stock Holding offers numerous financial services along three main branches:
personal, corporate and custodial services.

Personal services

Some of the personal services they offer include:

Ÿ Demat Account
Ÿ Trading Account
Ÿ Insurance
Ÿ Mutual Funds
Ÿ NPS (Retirement)
Ÿ GOI Bonds (Government of India)
Ÿ IPOs
Ÿ Gold Rush

Demat Account
 A Demat account is a necessary account to hold financial securities in a digital form
and to trade in the share market. In India, Demat accounts are maintained by two depository
organizations, the National Securities Depository Limited and the Central Depository
Services Limited.

Trading account

A trading account is an investment account that holds securities, cash and other holdings like
any brokerage account. With a trading account, an investor can buy and sell assets as
frequently as they want, that too within the same trading session.
Insurance

Insurance is a way to manage your risk. When you buy insurance, you purchase protection
against unexpected financial losses. The insurance company pays you or someone you choose
if something bad happens to you. If you have no insurance and an accident happens, you may
be responsible for all related costs.

The insurance industry safeguards the assets of its policyholders by transferring risk from an
individual or business to an insurance company. Insurance companies act as financial
intermediaries in that they invest the premiums they collect for providing this service.
Insurance company size is usually measured by net premiums written, that is, premium
revenues less amounts paid for reinsurance.

Few types of insurance available in SHCIL:

1. General Insurance

Following are some of the types of general insurance available in India:

 Health Insurance
 Motor Insurance
 Home Insurance
 Fire Insurance
  Travel Insurance 

2. Life Insurance
There are various types of life insurance. Following are the most common types of life
insurance plans available in India:

 Term Life Insurance

 Whole Life Insurance
 Endowment Plans
 Unit-Linked Insurance Plans
 Child Plans
 Pension Plans

Mutual Funds

A mutual fund is a company that pools money from many investors and invests the money in
securities such as stocks, bonds, and short-term debt. The combined holdings of the mutual
fund are known as its portfolio. Investors buy shares in mutual funds.

TYPES OF MUTUAL FUND

Based on Asset Class

• Equity Funds
• Debt Funds
• Money Market Funds
• Hybrid Funds Based on Structure
• Open-ended Funds
• Closed-ended Funds
• Interval Funds Based on Investment Goals
• Growth Funds
• Income Funds
• Liquid Funds
• Tax-Saving Funds

NPS

National Pension Scheme (NPS) is a government-sponsored pension scheme. It was launched

in January 2004 for government employees. However, in 2009, it was opened to all sections.
The scheme allows subscribers to contribute regularly in a pension account during their
working life.

GOI Bonds

An investment avenue in which an investor loans money to an entity (government or

corporate) that borrows funds for a defined period of time at a fixed interest rate. Bond
market has not attracted retail investors to it.

IPO’S
When a private company first sells shares of stock to the public, this process is known as an
initial public offering (IPO). In essence, an IPO means that a company's ownership is
transitioning from private ownership to public ownership. For that reason, the IPO process is
sometimes referred to as "going public.

Corporate services

Ÿ Demat services for business

Ÿ CSGL services (government bonds)
Ÿ Trading accounts
Ÿ NPS accounts
Ÿ Bullion (gold and silver)

Custodial services

Custodial services include any safekeeping, administration, transaction and further

activities done on behalf of a company by its custodian, and include:

Ÿ Fund accounting
Ÿ FDI (Foreign Direct Investment)
Ÿ Company Valuation
Ÿ Vaults
Ÿ Customized Reporting
Ÿ Electronic and Physical Safekeeping Services
Ÿ Clearing and Settlement Services

KEY LEARNINGS:
DAILY WORK:
MAY
02-MAY-22 LEARNED ABOUT BILLING FOLLOW-UP
03-MAY-22 RAMZAN HOLIDAY
04-MAY-22 ISSUE OF IPO OF LIC BUY BACK SHARES
05-MAY-22 ATTENDED CLIENTS AND EXPLAINED ABOUT THE
DIFFERENT TYPES SHARES OF VARIOUS COMPANIES
06-MAY-22 ATTENDED CLIENTS AND EXPLAINED ABOUT THE
DIFFERENT TYPES SHARES OF VARIOUS COMPANIES
07-MAY-22 HOLIDAY
08-MAY-22 HOLIDAY
09-MAY-22 SORTED DATA OF SAKTHI FINANCE CLIENTS
10-MAY-22 SORTED DATA OF SAKTHI FINANCE CLIENTS
11-MAY-22 SORTED DATA OF SAKTHI FINANCE CLIENTS
12-MAY-22 LEARNT ABOUT TRADING ACTIVITIES
13-MAY-22 LEARNT ABOUT TRADING ACTIVITIES
14-MAY-22 HOLIDAY
15-MAY-22 HOLIDAY
16-MAY-22 ENTERED INFORMATION ABOUT CLIENTS IN EXCEL
17-MAY-22 ENTERED INFORMATION ABOUT CLIENTS IN EXCEL
18-MAY-22 ENTERED INFORMATION ABOUT CLIENTS IN EXCEL
19-MAY-22 FORM FILLING
20-MAY-22 FORM FILLING
21-MAY-22 HOLIDAY
22-MAY-22 HOLIDAY
23-MAY-22 DUE COLLECTION
24-MAY-22 DUE COLLECTION
25-MAY-22 DUE COLLECTION
26-MAY-22 DUE COLLECTION
27-MAY-22 DUE COLLECTION
28-MAY-22 HOLIDAY
29-MAY-22 HOLIDAY
30-MAY-22 DUE COLLECTION
31-MAY-22 DUE COLLECTION

JUNE
01-JUNE-22 DUE COLLECTION
02-JUNE-22 DUE COLLECTION
03-JUNE-22 I TOOK LEAVE
04-JUNE-22 HOLIDAY
05-JUNE-22 HOLIDAY
06-JUNE-22 DUE COLLECTION
07-JUNE-22 DUE COLLECTION
08-JUNE-22 DUE COLLECTION
09-JUNE-22 DUE COLLECTION
10-JUNE-22 DUE COLLECTION
11-JUNE-22 HOLIDAY
12-JUNE-22 HOLIDAY
13-JUNE-22 DUE COLLECTION
14-JUNE-22 DUE COLLECTION
15-JUNE-22 DUE COLLECTION
16-JUNE-22 DUE COLLECTION
17-JUNE-22 DUE COLLECTION
18-JUNE-22 HOLIDAY
19-JUNE-22 HOLIDAY
20-JUNE-22 DUE COLLECTION
21-JUNE-22 DUE COLLECTION
22-JUNE-22 DUE COLLECTION
23-JUNE-22 DUE COLLECTION
24-JUNE-22 DUE COLLECTION
25-JUNE-22 HOLIDAY
26-JUNE-22 HOLIDAY
27-JUNE-22 DUE COLLECTION
28-JUNE-22 DUE COLLECTION
29-JUNE-22 DUE COLLECTION
30-JUNE-22 DUE COLLECTION

JULY
01-JULY-22 DUE COLLECTION
02-JULY-22 DUE COLLECTION
03-JULY-22 HOLIDAY
04-JULY-22 I TOOK LEAVE
05-JULY-22 I TOOK LEAVE
06-JULY-22 DUE COLLECTION
07-JULY-22 DUE COLLECTION
08-JULY-22 DUE COLLECTION
09-JULY-22 DUE COLLECTION
10-JULY-22 HOLIDAY
11-JULY-22 DUE COLLECTION
12-JULY-22 DUE COLLECTION
13-JULY-22 DUE COLLECTION
14-JULY-22 DUE COLLECTION
15-JULY-22 DUE COLLECTION
16-JULY-22 DUE COLLECTION
17-JULY-22 HOLIDAY
18-JULY-22 DUE COLLECTION
19-JULY-22 DUE COLLECTION
20-JULY-22 DUE COLLECTION
21-JULY-22 DUE COLLECTION
22-JULY-22 DUE COLLECTION
23-JULY-22 HOLIDAY
24-JULY-22 HOLIDAY
25-JULY-22 DUE COLLECTION
26-JULY-22 DUE COLLECTION
27-JULY-22 DUE COLLECTION
28-JULY-22 DUE COLLECTION
29-JULY-22 DUE COLLECTION
30-JULY-22 HOLIDAY
31-JULY-22 HOLIDAY