INTRODUCTION

Whether it’s retiring early, saving for children’s education, paying off a loan or to live a secured and satisfied life everyone has dreams they can achieve by investing their savings. However, the question that arises is that, should one leave his money tucked away in the bank or plough it into the stock market where the potential for higher returns is greater but the chances of losing money is higher? Deciding where to invest depends on one`s attitude towards risk (one`s capacity to take risk and one`s tolerance towards risk) and the investment horizon and non-availability of guaranteed-return investment products. In such a scenario, investing in equity, which offers returns that are higher than the inflation rate, help to build wealth and to improve the standard of living. It is fine that stock market fluctuates over time. At present as far as the world economy is concerned it is on a boom. As soon as globalization and liberalization has come into act it has well shaped the economy. India has turned out to be the hot destination for the money investors and this has resulted growth in the sensex .It was never hoped before that BSE will ever touch the mark of 16000 points. But only due to the new economic opportunities and the confidence of people in India’s economic future it has been successful .Investing in equity is the way to earn money and to fulfill the dreams. The risk involved with investing in equity can be moderated by careful stock selection and close monitoring.Reliance money deals with the product and investment options are available in…

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• Equity (Stock) Trading • Derivatives Trading Special feature is available first time to track your positions online, in real time. • Forex Trading • Commodity Trading • IPO's • Mutual Funds

Insurance

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OBJECTIVE OF STUDY
• To collect the real time information the business pattern of reliance money.

• To get the information about the product and services of reliance money.

• To get the information about the latest product offerings of reliance money. • To increase the product awareness of Reliance money as single window shop for investment solutions.

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HYPOTHESIS: • RELIANCE MONEY IS A PRODUCT OF RELIANCE. A CASE STUDY IS AN IN-DEPTH COMPREHENSIVE STUDY OF A PERSON. • RELIANCE MONEY INCLUDES MUTUAL FUNDS. INSURANCE. PRIMARY DATA IS NOT INCLUDED THE REPORT. AN EPISODE. A COMMUNITY. TYPE OF RESEARCH: THIS PROJECT IS A CASE STUDY OF THE PRODUCTS AND SERVICES OF RELIANCE MONEY WHICH IS A PART OF RELIANCE CAPITAL (ANIL DHIRUBHAI AMBANI GROUP). AN INSTITUTION.RESEARCH METHODOLOGY DATA SOURCE: THIS RESEARCH IS TOTALLY BASED ON THE SECONDARY DATA. ETC. A SITUATION. THE DATA HAS BEEN COLLECTED THROUGH DIFFERENT JOURNALS AND WEBSITES. RESEARCH DESIGN: • INTRODUCTION OBJECTIVE OF STUDY Page | 4 • . A SOCIAL GROUP. OR ANY OTHER SOCIAL UNIT. A PROCESS. A PROGRAMME. EQUITY.

• TYPE OF RESEARCH Page | 5 .

IPOs. net assets in excess of Rs. Mutual Funds. Reliance Money is a single window.000 crores (US$ 81 billion). Its Endeavour is to change the way India transacts in financial markets and avails financial services.115.000 crores (US$ 29 billion). Life & Page | 6 .COMPANY PROFILE The Reliance – Anil Dhirubhai Ambani Group is among India’s top three private sector business houses on all major financial parameters. enabling you to access.55.000 crores (US$ 14 billion) Reliance Money is a comprehensive electronic transaction platform offering a wide range of asset classes. Equity & Commodities Derivatives.325. amongst others in Equities. and net worth to the tune of Rs. with a market capitalisation of Rs.

Reliance Money is a group company of Reliance Capital. Money Changing and Credit Cards. ranking among the top 3 private sector financial services and banking companies. private equity and proprietary investments. Reliance Capital Ltd. life and general insurance. stock broking and other financial services. Money Transfer. Reliance Capital is one of India’s leading and fastest growing private sector financial services companies.General Insurance products. Offshore Investments. one of India's leading and fastest growing private sector financial services companies. life and general insurance. stock broking and other activities in financial services Page | 7 . The company has interests in asset management and mutual funds. in terms of net worth. private equity andproprietary investments. and ranks among the top 3 private sector financial services and banking companies. has interests in asset management. in terms of net worth.

RELIANCE ADA GROUP Page | 8 .

India's largest private sector enterprise. and was centrally involved in every aspect of the company's management. Anil Dhirubhai Ambani joined Reliance in 1983 as Co-Chief Executive Officer. namely. Shri Anil Dhirubhai Ambani is the chairman of all listed companies of the Reliance ADA Group. Page | 9 . Reliance Capital. Reliance Communications. Reliance Energy.Till recently.Chairman's Profile: Regarded as one of the foremost corporate leaders of contemporary India. he also held the post of Vice Chairman and Managing Director in Reliance Industries Limited (RIL). Gujarat.He is also Chairman of the Board of Governors of Dhirubhai Ambani Institute of Information and Communication Technology. Gandhi Nagar. Reliance Natural Resources and Reliance Power.

He is credited with having pioneered a number of path-breaking financial innovations in the Page | 10 . and was centrally involved in every aspect of the company's management over the next 22 years.BOARD OF DIRECTORS Anil Dhirubhai Ambani . Shri Anil D Ambani. Gandhi Nagar. Gujarat. Till recently. India's largest private sector enterprise. Reliance Energy. Anil D Ambani joined Reliance in 1983 as Co-Chief Executive Officer. He is also Chairman of the Board of Governors of Dhirubhai Ambani Institute of Information and Communication Technology. he also held the post of Vice Chairman and Managing Director in Reliance Industries Limited (RIL).Chairman Regarded as one of the foremost corporate leaders of contemporary India. is the chairman of all listed companies of the Reliance ADA Group. Reliance Natural Resources and Reliance Power. namely. 50. Reliance Communications. Reliance Capital.

51. He is a Director on the Board of Harmony Art Foundation and Reliance Anil Dhirubhai Ambani Group Pvt. Ltd. Amitabh Jhunjhunwala .Vice-Chairman Shri Amitabhabh Jhunjhunwala. is a Fellow Chartered Accountant. He also steered the 100-year Yankee bond issue for the company in January 1997.Indian capital markets. Shri Jhunjhunwala was appointed to the Board on March 7. He has vast experience in the areas of financial services and capital markets. convertibles and bonds. Starting in 1991. He spearheaded the country's first forays into the overseas capital markets with international public offerings of global depositary receipts. he directed Reliance Industries in its efforts to raise over US$ 2 billion. 2003 and was appointed Vice Chairman on March 20. Page | 11 . 2006.

an eminent Chartered Accountant. Asset Reconstruction Company (India) Ltd. He is also a member of the advisory board of the Insurance and Regulatory Authority of India (IRDA).Rajendra Chitale . SME Rating Agency of India Limited. P. Ishan Real Estate PLC and Reliance General Insurance Company Ltd. He has also served on the boards of Life Insurance Corporation of India. and Small Industries Development Bank of India. National Stock Exchange of India Ltd. Chitale & Associates. Ambuja Cement Limited. HTMT Global Solutions Ltd. Hinduja TMT Limited..Independent Director Shri Rajendra P. He is a Director on boards of the National Securities Clearing Corporation Limited. SBI Capital Markets Ltd. is the Managing Partner of M/s M. 46. Chitale. Unit Trust of India. Page | 12 .

He has been on several important committees of the Government of India. strategic management and business leadership. He was Chairman of Standing Conference of Public Enterprises (SCOPE) between April 2003 and March 2005. (National Thermal Power Corporation).P. P. Jain joined the Board of NTPC in 1993 as Director (Finance). Jain Shri C. Shri Jain has an illustrious career spanning over four decades of contribution in the fields of financial management. Jain. is the former Chairman and Managing Director of NTPC Ltd. P. was elevated as Chairman & Managing Director in September 2000 and superannuated in March 2006. latest being the 'Adhoc Group of Experts on Empowerment of CPSEs'. He is a fellow member of the Institute of Chartered Accountants of India with an advanced diploma in Management and is a law graduate. general management. He is Chairman of the Global Studies Committee of World Energy Council (WEC). 61. world's largest energy NGO with nearly hundred member-nations.Shri C. He is a Director Page | 13 . Shri C.

on the Board of IL & FS Infrastructure Development Corporation and. is also a member of the Audit Advisory Board of the Comptroller and Audit General of India. RELIANCE CAPITAL Page | 14 .

RCL has a net worth of over Rs '3. in terms of net worth. 1934. distribution of financial products. as a public limited company in 1986 and is now listed on the Bombay Stock Exchange and the National Stock Exchange (India).1 Mutual Fund. Reliance Mutual Fund is India's no.100 crore.300 crore and over 165. the net worth of the company will increase to about Rs 4. On conversion of outstanding equity instruments. Reliance Capital has interests in asset management and mutual funds.000' shareholders.Reliance Capital Limited (RCL) is a Non-Banking Financial Company (NBFC) registered with the Reserve Bank of India under section 45-IA of the Reserve Bank of India Act. Reliance Life Insurance is one of India's fastest growing life insurance company and among the top 4 private sector insurers. life and general insurance. Reliance Capital ranks among the top 3 private sector financial services and banking companies. Reliance Consumer finance Page | 15 . stock broking. Reliance Money is the largest brokerage and distributor of financial products in India with over 2. private equity and proprietary investments. Reliance General Insurance is one of India's fastest growing general insurance company and among the top 3 private sector insurers. depository services.7 million customers and has the largest distribution network. It is headed by Anil Ambani and is a part of the Reliance ADA Group. consumer finance and other activities in financial services.

Page | 16 . 2008. 22.900 crore at the end of December 2008. Reliance Capital has a net worth of Rs. Reliance Capital is a constituent of S&P CNX Nifty and MSCI India and also features in the Forbes list of World’s largest 2000 public companies.340 crores (US$ 4.has a loan book of over Rs.250 crore (US$ 1. 8.6 billion) as of December 31. 7.5 billion) and total assets of Rs.

Company is among the largest broking and distribution house of financial products and having share of more then 3% of total stock market volume at BSE & NSE.com is the web based investment portal (with Online Stock Trading) from Reliance Money. is the financial services division of Reliance Anil Dhirubhai Ambani (ADA) Group. Company recently entered in to Wealth Management with tools like investment in equity-linked portfolio management services. infrastructure and entertainment. transmission and distribution of power (Reliance Energy). to generation.RELIANCE MONEY Reliance Money. A Reliance Capital Limited Company. This website enables its customer to invest & manage most of the services provided by Reliance Money including Equity (Stock) Trading. Group’s major interests ranges from communications (Reliance Communications) and financial services (Reliance Capital Ltd). Reliance ADA group is among top 3 business houses in India with wide range of presence across various sectors. Money Transfer. structured products. General insurances. Life Insurances. RelianceMoney. Forex exchange. Page | 17 . insurance and mutual funds. Mutual Fund Investment. Derivatives. Commodity Trading. IPO Investment. Reliance Money has over 22 lakhs customers and more then 10'000 branches in around 5000 cities in India. Gold Coins and Credit Cards Services.

Stock Trading through RelianceMoney.The Reliance Money stock trading websites uses special security features 'Security Token'. not a distination’’ Page | 18 . . which makes your online trading experience more secure without complexity. Offline trading is also available through Reliance Money partners in more then 5000 city across India and through phone by dialing 022-39886000.com is available for BSE and NSE stock exchanges.“Success is a journey.

learning and hard work and innovation. by combining its human and technological resources. dedication. commitment. • Vision of Reliance Money To achieve & sustain market leadership. enterprise. Reliance Money shall aim for complete customer satisfaction. Page | 19 . empathy and humility. team play. These are the values that bind success with Reliance Money. integrity. In the process Reliance Money shall strive to meet and exceed customer's satisfaction and set industry standards.• Success sutras of Reliance Money The success story of the company is driven by 8 success sutras adopted by it namely trust. to provide world class quality services.

and technology driven organization which will set the highest standards of service and business ethics. enterprising . and we aim to achieve this leadership position by building an innovative.• Mission statement “Our mission is to be a leading and preferred service provider to our customers.” Page | 20 .

Reliance Money is the electronic transaction platform associated with Reliance Capital. in terms of net worth What is Reliance Money? Page | 21 . A company which has entered almost every arena of business and created wonders. one of India's leading and fastest growing private sector financial services companies. The company has something.a single window for all your financial transaction needs About Reliance Money We all know the effect of the word Reliance on us. The Midas Touch.Reliance Money. ranked amongst the top 3 private sector financial services and banking companies. Well. which we can call as. Every project taken up by the company turns into a golden project.

Reliance Money offers a comprehensive platform. 1 cr. enabling you to access. convenient and secure way to transact in a wide range of financial products and services The highlights of Reliance money's offerings are: Cost-effective The fee charged by the affiliates of Reliance Money. Mutual Funds. Its endeavor is to change the way India transacts in financial markets and avails financial services . through whom the transactions can be placed. Life Insurance and General Insurance products Why Reliance Money? Reliance Money is the most cost-effective. Equity and Commodity Derivatives. 90 lac. offering an investment avenue for a wide range of asset classes. 10 lac Page | 22 . whichever comes first Illustrations depicting fee structure and validity limits Access fee. Delivery turnover of Rs. IPOs. 500 Validity. Reliance Money offers a single window facility. Pay a flat fee of just Rs. is among the lowest charged in the present scenario.Non-delivery turnover of Rs.Time validity of 2 months or Turnover validity of Rs. Offshore Investments.Rs. 500/valid for 2 months or specified transactional value Note: The facility of trading is subject to expiry of the validity period or value limit. amongst others Equity.. whichever is earlier Turnover limit.

2. 2500 Validity.Access fee. 30 lac Access fee.4 cr. 60 lac Note: Unutilized delivery limit may be added to Non-delivery limit Convenience You have the flexibility to access Reliance Money services in multiple ways: through the Internet. Delivery turnover of Rs.Time validity of 12 months or Turnover validity of Rs..Non-delivery turnover of Rs. through its affiliates/partners.. Life Insurance and General Insurance products Page | 23 . Offshore Investments. IPOs. whichever is earlier Turnover limit. Mutual Funds. 5. 6 cr.. Call & Transact (phone) or seek assistance through our Business Partners Security Reliance Money provides secure access through an electronic token that flashes a unique security number every 32 seconds (and ensures that the number used for earlier transaction is discarded).Rs. whichever is earlier Turnover limit. 3 cr. Transaction Kiosks. 1350 Validity.7 cr.Rs. This number works as a third level password that keeps your account extra safe Single window for multiple products Reliance Money. Equity & Commodity Derivatives. facilitates transactions in Equity.Non-delivery turnover of Rs.. Delivery turnover of Rs.Time validity of 6 months or Turnover validity of Rs.

Note: All overseas investments are subject to rules. etc e. Analyze your risk profile through the Risk Analyzer f.reliancemoney. tax. The Annual Maintenance Charge for the Demat Account is just Rs.com. Reliance Money provides: a. Get a suitable investment portfolio using the Asset Allocator Investment Options The investment options available with Reliance Money online portal are as below: Page | 24 . retirement. CEOs'/experts' views on the economy and financial markets d. Reliable research. regulations and guidelines of the Reserve Bank of India as laid down from time to time 3 in 1 integrated access Reliance Money offers integrated access to your banking. The Personal finance section provides tools that help you plan your investments. Live news from Reuters and Dow Jones c. trading and demat account. including views of external experts with an enviable track record b.per annum Other Services Through the portal www. You can transact without the hassle of writing cheques Demat account with Reliance Capital Hassle free demat account with Reliance Capital. 50/.

automated.. Derivatives Trading 4. has proprietary pattern recognition technology capable of recognizing patterns in the price charts of Page | 25 . sophisticated technical analysis to Indian retail broking consumers with the help of Recognia's Technical Analysis tools. Crude etc. NCDEX and NMCE (FAQ's) 6.1. Life & General Insurance 8. Commodity Trading(Gold. Silver.. Equity (Stock) Trading at BSE. Easytrade Reliance Money Technical Analysis (A paid service) Relance Money offers a simplified. Forex Trading 5. 24 carat) Trading Platforms Reliance Money provides 3 different trading platforms for equity trading: 1.. NSE and NSE F&O 2. Recognia.99% pure. a Canada based company. IPO Investment 3. Fast Trade 3. Mutual Fund Investment 7. 'Pure Swiss' Gold Coins (99.) at MCX. Insta Trade 2.

any publicly traded financial instrument including stocks, bonds, funds, commodities, currencies and indexes. The technical services are available for introductory free 7-day trail period to Reliance Money users. Post the trail period, this service is available to users at a nominal subscription of Rs. 99 for 3 months/ Rs. 179 for 6 months/ Rs. 299 for a year, i.e., less than Re 1 a day.

Reliance Money Brokerage and fees:
Reliance Money offers lowest brokerage rates in today's online stock trading industry in India. The brokerages are as low as 0.075% for delivery based trading and 0.02 for now delivery. For more detail about Reliance Money’s brokerage and fees visit the below section of this webpage.

Reliance Money Demat Account Charges:
Fee Head DP Charges

Annual Services Charges - For Individuals / HUFs / Rs. 50/Trust Annual Services Charges - For NRIs / Foreign Rs. 1000/Nationals, Corporates / Others Transaction Charges - SELL (Market & Off Market) Rs. 25/Page | 26

For instructions given in physical form. Transaction Charges - SELL (Market & Off Market) For instructions received through Internet/ online Rs. 12/trading through Reliance Securities Ltd.
Note: The brokerage & fees on this webpage may not accurate, please contact your nearest Reliance Money broker for latest available information. Also check rates of Securities Transaction Tax

Advantages of Reliance Money
Extra security features with 'Security Token'', which is the most secure and tested technology in computer world. 2. Simple, easy and fast online stock trading. 3. Almost all investment options are available under one account including Equity Trading, Derivatives, Forex, Commodity, IPO, Mutual Funds and Insurance. 4. Branches are available in all major cities and the number is growing.
1.

Reliance Money - Transacting and investing simplified
Get ready to change the way you transact and invest in financial products and services. Whether you wish to transact in Equity, Equity & Commodity Derivatives, IPOs, Offshore Investments, or prefer to invest in Mutual Funds, Life & General Insurance products or avail Money Transfer and Money Changing
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services, you can do it all through Reliance Money. Simply open a Reliance Money account and enjoy the convenience of handling all your key financial transactions through this one window.

Benefits of having a Reliance Money account:
1.

It's Cost-effective You pay comparatively lower transaction fees. As an introductory offer, we invite you to pay a flat fee of just Rs. 500/- and transact through Reliance Money. This fee is valid for two months or a specified transaction value*. See the table for details.
Validity (wichever is earlier) Access Time Turnover Fee (Rs.) Validity Validity 500 2 months Rs. l Cr. 1350 6 months Rs. 3 Cr. 2500 12 months Rs. 6 Cr. Turnover limit Non-delivery Delivery turnover turnover Rs. 90 Lac Rs. 10 Lac Rs. 2.7 Cr. Rs. 30 Lac Rs. 5.4 Cr. Rs. 60 Lac
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Transaction Kiosks and over the phone...l facility of Banking.Reliance Money's services are through the Internet. Trading and Demat Account through a single window and transfer funds across accounts seamlessly! Reliance Money Manager Fund is an open ended income scheme which aims to generate optimal Page | 29 ..Its Convenient . 3. 5.It offers Single Window Access to almost all financial products.2.in. This number works as a dynamic password to keep your account extra safe..It provides you a 3.It's Safe Accounts are safe guarded with a unique security number that changes every 32 seconds. 4.

MONTHLY 1006.Bonus Plan 1000. Latest NAVs Scheme Bonus Plan Current NAV 1240.DAILY DIVIDEND 1001.8470 DIVIDEND PLAN INSTITUTIONAL OPTION 1000. It is a good scheme for parking one’s short term investible surplus.0000 QUARTERLY DIVIDEND PLAN INSTITUTIONAL OPTION .5420 DIVIDEND PLAN Institutional Plan .DAILY 1001.6681 PLAN INSTITUTIONAL OPTION .1218 Nav Date 21 Apr 2010 21 Apr 2010 21 Apr 2010 21 Apr 2010 06 Apr 2010 21 Apr 2010 06 Apr 2010 21 Apr Page | 30 .WEEKLY 1002.3715 DIVIDEND PLAN INSTITUTIONAL OPTION .returns to investors.7215 INSTITUTIONAL OPTION .0000 RETAIL OPTION .GROWTH 1258.

PLAN RETAIL OPTION .GROWTH PLAN RETAIL OPTION .5582 2010 21 Apr 2010 21 Apr 2010 21 Apr 2010 21 Apr 2010 Product Features Investment Objective: The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt securities and money market securities. Corporate Debt.1713 1003. Asset Allocation: Instrument Debt* Instruments including Government Securities.WEEKLY DIVIDEND PLAN 1248.QUARTERLY DIVIDEND PLAN RETAIL OPTION .MONTHLY DIVIDEND PLAN RETAIL OPTION .9221 1008.0106 1026. Other debt instruments and Money Market Instruments with average maturity less than equal to 12 months Asset Risk Allocation Profile 0% 100% Low to medium Page | 31 .

50% Mediu m Choice of Plans/ Options The scheme offers Retail Plan & Institutional Plan. Both these plans offer the following options. Growth Option Bonus Option Dividend Option • • • • • • • Daily Dividend Reinvestment option Weekly Dividend Reinvestment option Monthly Dividend Payout option Monthly Dividend Reinvestment option Quarterly Dividend Payout option Quarterly Dividend Reinvestment option Benchmark Index: Crisil Liquid Fund Index Page | 32 . Corporate Debt and other debt Instruments with average maturity greater than 12 months *Securitised debt upto 60% of the corpus 0% .Debt* Instruments including Government Securities.

SEBI/IMD/CIR No. no entry load shall be charged in respect of direct applications received by Reliance Mutual Fund (RMF). no entry load or exit load shall be charged in respect of bonus units and of units allotted on reinvestment of dividend. 14/120784/08 dated March 18. 2008.Load Structure Retail Plan • • Entry Load : Nil Exit Load: Nil Institutional Plan • • Entry Load: Nil Exit Load: Nil Pursuant to SEBI Circular No. 2008. Page | 33 . with effect from January 4. 10/112153/07 dated December 31. 2007. Pursuant to SEBI circular No.SEBI/IMD/CIR No. with effect from April 1. 2008.

m. In respect of valid applications received after 3 p. the closing NAV of the next business Page | 34 . the closing NAV of the day on which the application is received shall be applicable. 1000 and in multiples of Re 1 thereafter Cut-off timings for income/debt oriented funds: For debt schemes: In respect of valid applications received upto 3 p. by the Mutual Fund along with a local cheque or a demand draft payable at par at the place where the application is received.m. by the Mutual Fund along with a local cheque or a demand draft payable at par at the place where the application is received.Minimum Application Amount • • Retail Plan: Rs 1 lakh and in multiples of rupee 1 thereafter Institutional Plan: Rs 1 crore and in multiples of rupee 1 thereafter Minimum Additional application amount Rs.

In respect of valid applications received after 3 p. same day’s closing NAV shall be applicable. 1 crore.Retail . Absolute returns of Growth Option. the closing NAV of the next business day shall be applicable.A 7.24 3.68 Crisil Liquid Fund Index 1.” Repurchase including Switch .49 Reliance Money Manager Fund .A 6.02 Past Performance may or may not be sustained in the future. Performance NAV Performance report as on 31/03/2010 Absolute CAGR 6 Months1 year3 Years5 YearsSince inception 4. irrespective of the time of receipt of application. (Inception Date: 21st March 2007) Page | 35 . (Business Day shall have the same meaning as working day.69 6. by the Mutual Fund.12.60 Inception Date: 23.m. by the Mutual Fund.out: In respect of valid applications received upto 3 p.62 N.41 N.Growth 2.97 7.m.day shall be applicable. the closing NAV of the day on which the funds are available for utilization shall be applicable. wherever used) In respect of purchase of units in Income/ Debt oriented schemes (other than liquid fund schemes and plans) with amount equal to or more than Rs.

Limited Investment Manager: Reliance Capital Asset Management Limited Statutory Details: The Sponsor.Calculations assume that all payouts during the period have been reinvested in the units of the scheme at the then prevailing NAV. the Trustee and the Investment Manager are incorporated under the Companies Act 1956. Special Facilities: Systematic Transfer Plan (STP) Dividend Transfer Plan (DTP) Auto Debit and Electronic Clearing Service Available (Only in Retail Plan) Available ( Both in Retail Plan and Institutional Plan) Available ( Both in Retail Plan and Institutional Plan) Disclaimer Sponsor: Reliance Capital Limited Trustee: Reliance Capital Trustee Co. Reliance Money Manager Fund (Open ended income scheme): The investment objective of the Scheme is to generate optimal returns consistent with moderate levels of risk and liquidity by investing in debt securities and money market securities. Page | 36 .

As with any investment in securities. settlement periods and transfer procedures.1 lakh towards the setting up of the Mutual Fund and such other accretions and additions to the corpus. All dividend distributions are subject to the availability of distributable surplus in the Scheme. though it has every intention of doing so. The Mutual Fund is not assuring that it will make periodical dividend distributions. Please read the Scheme Information Document and Statement of Additional Information carefully before investing. its future prospects or returns. The Sponsor is not responsible or liable for any loss resulting from the operation of the Scheme beyond their initial contribution of Rs. by changes in the market conditions. Reliance Money Manager Fund is the name of the Scheme and does not in any manner indicate either the quality of the Scheme. the NAV of the Units issued under the Scheme can go up or down depending on the factors and forces affecting the capital markets. Page | 37 . interalia.Risk Factors: Mutual Funds and securities investments are subject to market risks and there is no assurance or guarantee that the objectives of the Scheme will be achieved. Past performance of the Sponsor/AMC/Mutual Fund is not indicative of the future performance of the Scheme. The NAV of the Scheme may be affected. trading volumes. interest rates.

is a type of banking account which dematerializes paper-based Page | 38 . In addition Reliance Money provides independent and unbiased view on markets along with trading strategies and entry / exit points for taking an informed decision. a Demat account. Trading execution assistance provided to clients. the abbreviation for dematerialized account.Equity Reliance Money offers its clients competitively priced Equity broking. In India. PMS and Portfolio Advisory Services. RELIANCE DEMAT ACCOUNT Overview of Demat Account.

Deface the share certificate(s) you want to dematerialize by writing across Surrendered for dematerialization. it became mandatory that any person holding a demat account should possess a Permanent Account Number (PAN). The dematerialized account is used to avoid holding physical shares: the shares are bought and sold through a stock broker. DP would forward them to the issuer / their R&T Agent. As of April 2006. your depository account with your DP would be credited with the dematerialized securities. Fill demat request form (DRF) (obtained from a depository participant or DP with whom your depository account is opened). Procedure 1. This account is popular in India. The Securities and Exchange Board of India (SEBI) mandates a demat account for share trading above 500 shares. Submit the DRF & share certificate(s) to DP. 2. 3. 4.physical stock shares. Page | 39 . After dematerialization. and the deadline for submission of PAN details to the depository lapsed on January 2007.

IPO’s offshore investments or prefer to invest in mutual funds. equity & commodity derivatives. 500/. you can do it all through reliance money. Get ready to change the way you transact and invest in financial products and services. life & general insurance products or avail money transfer and money changing services. Page | 40 .and transact through reliance money. Simply open a reliance money account and enjoy the convenience of handling all your key financial transactions through this one window.and 750/. Whether you wish to transact in equity.Reliance Money Demat Account Services Reliance Money – Transacting and investing simplified. we invite you to pay a flat fee of just Rs. This fee is valid for two months or a specified transaction value See the table below for details. Benefits of having a reliance money account • It’s cost effective You pay comparatively lower transaction fees. As an introductory offer.

• Its offers single – window access Through reliance money’s associates. Page | 41 . money transfer. IPO’s life insurance. • Its convenient You can access reliance money’s services through • The internet • Transaction kiosks • The phone (call & transact) • Our all – India network of associates On an assisted trade (through the call centre or our network of associates) a charge of Rs 12 per executed trade will be applicable. money changing and credit cards. general insurance. offshore investments mutual funds. amongst others. equity and commodities derivatives. you can transact in equity.

Its provides you a 3-in-1 facility. trading and demat account through a • single window and transfer funds across accounts seamlessly. 50/-.reliancemoney. • Its provides you a demat account You get your own demat account with reliance capital at an annual fee of just Rs. You can access your banking. including views of external experts with an enviable track record • Live news updates from Reuters and Dow Jones Page | 42 . • It provide you value.com.• Its Safe Your account is safeguarded with a unique security number that changes every 32 seconds.added services At www. you get • Reliable research. This number works as a dynamics password to keep your account extra safe.

etc.• CEO’s / expert views on the economy and financial markets • Tools that help you plan your investments. in the personal finance section • Risk Analyzer for analysis of your risk profile • Asset allocators to build an appropriate investment portfolio • Innovative use of technology for facilitating convenient trading/investments – kiosks (similar to ATM’s) Reliance Money Provide the kiosks (similar to ATM’s) Facilities. retirement. tax. to their customer through which the customers can trade on available Page | 43 .

thefts etc. Reliance Money provides 3 different trading platforms for equity trading: Insta Trade Fast Trade Easy trade The benefits • • • • • • • • • A safe and convenient way to hold securities. fake securities. delays. No stamp duty on transfer of securities.kiosks at the particular Branch of Reliance Money. Nomination facility. even one share can be sold. Elimination of risks associated with physical certificates such as bad delivery. Reduction in paperwork involved in transfer of securities. No odd lot problem.. Change in address recorded with DP gets registered with all companies in which investor holds securities electronically eliminating the need to correspond with each of them separately. Page | 44 . Reduction in transaction cost. Immediate transfer of securities. The company is going to open these kiosks in the market as the ATM’s of the Banks.

• Transmission of securities is done by DP eliminating correspondence with companies; • Automatic credit into demat account of shares, arising out of bonus/split/consolidation/merger etc. • Holding investments in equity and debt instruments in a single account.

Required Documents
The extent of documentation required to open a demat account may vary according to your relationship with the institution. If you plan to open a demat account with a bank, a savings, current and, or other account for which the holder have been issued a check book, such holder has an edge over the non-account holder. In fact, banks usually offer additional incentives to customers who open a demat account with them. Along with the application form, your photographs (with co-applicants) and proof of identity/residence/date of birth have to be submitted. The DPs also ask for a DP-client agreement to be executed on non-judicial stamp paper. Here is a broad list: • A canceled check, preferably MICR • Proof of Identification • Proof of Address
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• Proof of Pan card (mandatory) • Recent photographs, one and, or more For proof of identification and, or address self-attested facsimile copies of PAN card, Voter’s ID, Passport, Ration card, Driver’s license, Photo credit card, Employee ID card, Bank attestation, latest IT returns and, or latest Electricity/Landline phone bill are sufficient. While they only ask for photocopies of the documents, they will need the originals for verification.

Points To Remember
1. Only securities admitted by NSDL can be dematerialized. The list is available with your DP. 2. Only securities registered in the name of the account holder can be dematerialized. 3. Dematerialization is normally completed within 15 days after the share certificates have reached the issuer/ their R&T Agent. Thus it may take you a month from the date you hand over shares, to receive demat credit. 4. Dematerialization would be done only when the issuer / their R&T Agent is satisfied of genuineness of securities & ownership status. 5. All the joint holders should sign the DRF.

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6. The pattern of holding in the DRF should match the pattern of holding on the share certificate & the pattern in which account is opened. 7. Demat requests with name(s) not matching exactly with the name(s) appearing on the certificates merely on account of initials not being spelt out fully or put after or prior to the surname, would be processed, provided the signature(s) of the client(s) on the DRF tallies with the specimen signature(s) available with the issuer/ their R & T agent. 8. If the signature in the DRF does not match with the signature available with the issuer/ their R & T agent, the issuer/ their R & T agent may at the time of demat confirmation, ask for additional documentation (like bank attestation/ notarisation, etc.) to prove that the certificate belongs to the person who forwarded the DRF. 9. In case there is any problem in processing the DRF, contact your DP and if he cannot resolve the problem you may contact NSDL.

Mutual Funds
A mutual fund is a professionally managed fund of collective investments that collects money from many investors and puts it

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short-term money market instruments. Mutual funds are considered to have low risk factors owing to diversification of assets into various sectors and scripts or instruments within. and/or other securities. A mutual fund is a common pool of money into which investors place their contributions that are to be invested in acoordance with a stated objective. Reliance Money offers dedicated research & expert advice on Mutual Funds.Then the ownership of the fund is just “joint” and “mutual”. the fund belongs to all investors.in stocks. Page | 48 . bonds.

Types of Mutual Funds on the Basis of Risk Vs Returns Sector Funds Diversified Equity Funds R e t u r n s Balanced Funds MIPs Gilt Funds Income Funds Floaters Money Market Funds Risk Frequently used term in Mutual Funds • Net Asset Value (NAV) Page | 49 .

The per unit NAV is the net asset value of the scheme divided by the number of units outstanding on the Valuation Date. It may include a sales load. Also called Offer Price.Net Asset Value is the market value of the assets of the scheme minus its liabilities. This is also called Bid Price • Redemption Price Is the price at which open-ended schemes repurchase their units and close-ended schemes redeem their units on maturity? Such prices are NAV related. • Repurchase Price Is the price at which a close-ended scheme repurchases its units and it may include a back-end load. Page | 50 . • Sale Price Is the price you pay when you invest in a scheme.

• Sales Load Is a charge collected by a scheme when it sells the units. Reliance Media & Entertainment Fund 7. Also called. Reliance Tax Saver (ELSS) Fund Page | 51 . Reliance Index Fund 10. Types of Reliance Mutual Funds 1. Reliance Vision Fund 3. Reliance Banking Fund 4. Reliance NRI Equity Fund 8. Reliance Equity opportunities Fund 9. Reliance Pharma Fund 6. Reliance Diversified Power Sector Fund 5. ‘Front-end’ load. Reliance Growth Fund 2. Schemes that do not charge a load are called ‘No Load’ schemes • Repurchase or ‘Back-end’ Load Is a charge collected by a scheme when it buys back the units from the unit holders.

Applicable NAV : Sale of units by reliance mutual fund: in respect of valid applications received up to 3 p.11. 13. SEBI/IMD/CIR No. 1/64057/06 dated 4/4/06. Pease read the offer document for details. Further payment of all the dividends shall be in compliance with SEBI circular No. The mutual fund is not guaranteeing or assuring any dividend. Reliance Equity Fund Reliance Long Term Equity Fund Reliance Regular Saving Fund The key term in mutual funds Dividend Policy: Dividend will be distributed from the available distributable surplus after the deduction of the divided distribution surplus after the deduction of the dividend distribution tax and the applicable surcharge. by the mutual fund alongwith a local cheque or a demand draft payable at par at the place where the application is Page | 52 .m. if any. 12.

reliancemutualfund.com .com and www. An exemption has been granted under the finance (No. by the mutual fund. same day’s closing NAV shall be applicable.m. In respect of valid applications received after 3 p. NAV can also be viewed on www. The mutual fund will receive all income without any deduction of tax at source under the provisions of section 196(iv) of the act. Repurchase including Switch-out: in respect of valid applications received upto 3 pm by the mutual fund.2) act.amfiindia. 1961. Tax Benefits to the mutual fund: Reliance Mutual Fund is a Mutual fund registered with the securities & exchange board of India and hence the entire income of the mutual fund will be exempt from income tax in accordance with the provisions of section 10(23D) of the income tax act. Daily net Asset Value(NAV) publication: the NAV will be declared on all working days and will be published in 2 newspaper.received. the closing NAV of the next business day shall be applicable. the closing NAV of the day on which application is received shall be applicable. 2004 to open ended equity oriented mutual funds from paying Page | 53 .

017% Page | 54 .025% Seller 0. Securities transaction Tax: Name of Payable by Rate of Tax Transaction Purchase and sale of equity shares or units of equity oriented mutual funds on a recognized stock exchange on delivery basis Sale on stock exchange of equity shares or units of equity oriented mutual funds on nondelivery basis sale of derivatives Both purchaser as 0.distribution tax on income distributed without any time limit.125% well as seller Seller 0. effective from 1 April 2004.

5.000. Systematic Investment Plan(SIP) : • We have already mentioned about SIPs in brief in the previous pages but now going into details. SIP gives a clear picture of how an early and regular investment can help the Page | 55 . and if the investment is monthly then the investment will be 6. we will see how the power of compounding could benefit us. every small amounts invested regularly can grow substantially.000/-. • Lump Sum • Systematic Investment Plan(SIP) .25% There are two types of investment in Mutual Funds.reorganized stock exchange Sale of units of Seller equity oriented mutual funds to the mutual fund 0. • Lump sum: In Lump sum the investment is only one times that is of Rs. In such case.

There is reliance diversified power sector retail giving the maximum returns of Rs.07 13584. But before moving on to that lets have a look at some of the top performing SIPs and their return for 1 year: Scheme Reliance diversified power sector retail 1000 Reliance regular savings equity principal 1000 global Amoun t NAV NAV Date 30/5/20 62. Due to its unlimited advantages SIP could be redefined as “a methodology of fund investing regularly to benefit regularly from the stock market volatility.72 8 13791.1000 per month then what return we’ll get for the total investment of Rs. 2524.74 08 22.31 08 30/5/20 42.94 4 14247.investor in wealth creation.86 08 30/5/20 35.14 08 Total Amount 14524.07 per year which Page | 56 . In the later sections we will see how returns generated from some of the SIPs have outperformed their benchmark.15 7 13769.20 30/5/20 8 08 30/5/20 18.15 2 opportunities fund 1000 DWS investment opportunities fund BOB growth fund 1000 1000 In the above chart. 12000. we can see how if we start investing Rs.

18%. 14. thus putting no pressure on their pockets. Next we can see if anybody would have undertaken the SIP in Principal would have got returns of app. Working of a Mutual Fund Terms and conditions Page | 57 . DWS investment opportunities and BOB growth fund giving returns of 13.20%. We can see reliance regular savings equity. 1000 is easy and convenient for them.74% respectively which is greater than any other monthly investment options. it forces the investors to save and get them into the habit of saving.comes to 21% roughly. Also paying a small amount of Rs. Its hassle free.92%. Thus we can easily make out how SIP is beneficial for us. and 14.

• This facility offered only to the investors having bank accounts in selected cities which are specific in the form of the SIP. • The bank account provided for ECS (Debit) should participate in local MICR clearing. • SIP auto debit facility is available only on specific dates of the month i.each or 12 installment or Rs. • Minimum investment amount – monthly SIP option – 60 installments of Rs. 500/Page | 58 . • An investor can opt for monthly or quarterly frequency. • The investor agrees to abide by the terms and conditions of ECS facility of Reserve bank of India. • Submit the following document at least 21 working days before the first SIP date for ECS (Electronic clearing Service).e. • Only one SIP per month or per quarter is permitted per folio/account. 100/. 2nd or 10th or 18th or 28th. • The first SIP cheque should be issued from the same bank account which is to be debited under ECS for subsequent installments.

Clients can choose from different plans of almost all Insurance Companies where they can invest their money.each or 6 installments of Rs. Insurance Life-Insurance Reliance Money assists its clients in choosing a customized plan which will secure the family’s future and their expenses post-retirement. • The gap between the 1st cheque/ installment & the 2nd cheque / installment should be at least 21working days.each and in multiples of Re.1/. Clients can choose from products and services that channelise their savings and protect their needs while guaranteeing security and Page | 59 . However subsequent cheques should have a gap of at least a month or a quarter depending upon the frequency chosen.thereafter. 1000/.

protection & investment requirements. 80. A team of experts will suggest the best Insurance scheme which suits the client’s requirement. Basics of Life Insurance What is Life Insurance? Page | 60 . Reliance Life Insurance.returns for life. It offers 26 products covering savings. a part of the Reliance . by further expanding and strengthening its distribution network and offering a diverse array of products to suit the varied and specific needs of individual customers. Reliance Life Insurance has over 700 branches and 1. Reliance Life Insurance has a pan India presence and a range of products catering to individual as well as corporate needs.000 agents. Reliance Life Insurance will endeavor to attain a leadership position in the market over the next few years.Anil Dhirubhai Ambani Group is India's fastest growing life insurance company and among the top 4 private sector life insurers.

This amount can be used to pay the expenses related to Life assureds death or can be invested to generate income that will replace your salary. • These combinations can be broadly divided into 4 groups . Life Insurance is an important tool in any investors portfolio & can be used for . provide for contingencies and retirement planning.An amount of money paid to someone (called beneficiary) when the Life Assured (in whose name the insurance policy is taken) dies.ULIPs Page | 61 .wealth creation. asset building. The main reason to buy Life Insurance is to provide income replacement for your loved ones Types of Life Insurance Policies • Most Insurance policies are a combination of Savings & Protection. • Products are formulated by either increasing or decreasing either one of these components.

Annuities & Pension VALUE ADDED FEATURES • Expenses of accompanying person at the Hospital • Local Road Ambulance Services • Recovery Benefit • Cost of Health Check up • Nursing Allowance • Hospital Daily Allowance Life Stage in Life Insurance Page | 62 . Unit Linked etc .Term Insurance - Endowment Policies : Whole Life..

No dependents/ liabilities therefore need for insurance is less Need for protection low.Introduction of dependents.Set up Interiors 5.Set up a new house 4.Go on a holiday 2. Critical stage for dependents Asset base build up & liabilities reduced/ taken care of.Buy a new Car 3.Buy jewellery Short Term Endowment Product Page | 63 . Need for retirement planning more than protection. responsibilities and Financial INSURANCE SUGGESTED needs differ STATUS NEEDS PRODUCTS 18yrs – 25yrs Unmarried 1. Greater need for regular income flow. 18-25 (Unmarrie d) 25-30 Married couples with no kids 30-45 years Couples with children 45 yrs and above Matured couple Retire d Endowment / ULIP’s Need Analysis in life Stages Endowment / ULIP’s + Term Annuities AGE At each stage. requirements. High asset creation & build up of liabilities. Start of financial planning – balance between asset creation & protection Peak earning age range.

Whole life products Products of Life Insurance Life Insurance products are usually referred to as ‘plans’ of insurance.Long term care products 3.Wealth transfer or saving vehicles 3.Wealth accumulation for children Profits or Unit Linked Endowment/ Deferred annuities 60yrs and above Post Retirement 1.Need for Planning Requirement Temporary term or whole life Product 30yrs – 45yrs Matured couple 1.Single Premium annuities 2.Family dependency on your income 3.Retirement Planning 2. These plans have two basic elements.Low accumulated wealth 4.Protection in case you live long 2.25yrs -30yrs Married 1.High Debt. one is the “Death Cover” providing for the benefits being paid on the death Page | 64 .Opting for guaranteed Product 1. high expenditure Phase 2.Returns on investment 4.Protection for spouse in case of death 3.

A death benefit is paid to the beneficiary if the insured dies within a specified period of time while the policy is still in force. • Plans of insurance that provide only survival benefits are called “Pure Endowment” Plans. • Plans of insurance that provide only death cover are called “Term Assurance” Plans.of the insured person within a specified period. The other is the “Survival Benefit” providing for the benefit being paid on survival of a specified period. Page | 65 . Term Life Insurance Term Life Insurance provides protection for a specified period of time.

Debt Fund. Money can be invested in the following fund:.Whole Life Insurance Whole Life insurance is a permanent life insurance and provides protection for life. Pension provides periodical payments to the employees. ULIPs A ULIP is a life insurance which provides a combination of Life Insurance protection and investment. As long as premiums are paid. a death benefit is paid to the beneficiary.Equity Fund. Money Market Fund (Liquid Fund) and Balance Fund. Annuities Annuities are practically the same as pension. They Page | 66 . who have retired.

6. 3. The latest Protection Plans are as below… 1. 8. 5. Annuities are called the “reverse” of Life Insurance.are paid as long as the recipient is alive. INSURANCE PLANS • Protection Plans Protect your family even when you’re not around by investing in Reliance Protection Plans. Choose a limited period plan or a lifetime protection plan depending on your needs. Reliance . 2. 7. 4. 9. Reliance Term plan Reliance Simple Term plan Reliance Special Term plan Reliance Credit Guardian plan Reliance Special Credit Guardian plan Reliance Endowment plan Reliance Special Endowment plan Reliance Connect 2 Life plan Reliance Whole Life plan Wealth + Health plan Page | 67 10.

The savings and investment Plans are as below… 1. 5. which means that you can enjoy life and provide for your family’s daily needs. 9. 7. 2. Reliance 12. Reliance 11. Reliance . 8. 3. Reliance 13.Insurance Reliance Wealth + Health plan Reliance Automatic Investment plan Reliance Money Guarantee plan Reliance Cash Flow plan Reliance Market Return plan Reliance Endowment plan Reliance Special Endowment plan Reliance Whole Life plan Golden Years Plan Golden Years Plan Value Golden Years Plan Plus Connect 2 Life plan Page | 68 10. Reliance Cash Flow plan • Savings & Investment Plans Reliance Savings & Investment Plans help you to set aside some money to achieve specific goals in life. 6. Reliance Total Investment Plan Series I . 4.11.

2. 6. 4. You will never have to depend on another person or make any compromises to maintain your current lifestyle.• Retirement Plans Invest today in Reliance Retirement Plans and save money to enjoy life even after retirement. 3. You can always be there for Page | 69 . Reliance Total Investment Plan Series II – Pension Reliance Golden Years Plan Reliance Golden Years Plan Value Reliance Golden Years Plan Plus Reliance Wealth + Health plan Reliance Automatic Investment Plan Reliance Money Guarantee Plan • Child Plans Save systematically and secure your child’s future needs by investing in Reliance Child Plans. 5. 7. The latest Retirement Plans are as below… 1.

2. The Childs plans are as below… 1. • Option to create your own portfolio depending on your risk appetite. different from traditional life insurance products with maximum maturity age of 80 years. Page | 70 . key features • Twin benefit of market linked return and insurance protection • A unit linked plan. 3. Reliance Child plan Reliance Secure Child plan Reliance Wealth + Health plan Market Return Plan Under This plan the investment risk in the investment portfolio is done by the policyholder.your child when he or she needs you.

• Choose from four different investment funds • Flexibility to switch between funds • Option to pay regular as well as single premium & top. The fund value is the total value of units that you hold in the fund/funds. The mortality charges and policy administration charges are ducted through cancellation of units whereas the fund management charge is priced in the unit value. Benefits Page | 71 .ups • Option to package your policy with accidental rider • Flexibility to increase the sum assured • Liquidity through partial withdrawals How does this plan work The premium paid by the client net of premium allocation charges is invested in fund/funds of your choice and units are allocated depending on the price of units for the fund/funds.

• Single premium: 125% of the single premium. whichever is higher. Maximum sum Assured No limit (50000 for age up to 12 years) Maturity Benefits Page | 72 . The client can choose the basic sum assured within the minimum and maximum levels mentioned below. whichever is higher. the beneficiary will get sum assured or fund value.Life cover Assured: in case of unfortunate loss of life. Minimum sum Assured: • Regular premium: annualized premium for 5 years or annualized premium for half the policy term.

the accident benefit sum assured will be paid immediately in a lump sum. This benefit doubles the life coverage in case of accidental death or accidental total and permanent disablement at a very nominal additional cost. 00. the remaining unpaid installments of any Page | 73 . The maximum cover is Rs.000 per life. the accidental death benefit cover ceases. In case of maturity or on death of the life assured before payment of all installments of accidental total and permanent disablement benefits. In case of accidental death of the life assured during the policy term. Rider Benefits The Client can add the Accidental Death & Total and Permanent Disablement Benefit Rider (available only with the regular premium option). 1/10th of the accident benefit sum assured will be paid at the end of each year for ten years. In case of accidental total and permanent disablement. 50.On survival to maturity the fund value on maturity will be paid out. If the total and permanent disablement has commenced.

Accidental total and permanent disablement means disability caused by bodily injury. Page | 74 . Loss of eyes means entire and irrecoverable loss of sight. What are the different fund options.will be paid in one lump sum along with death or maturity benefit. Accidental total and permanent disablement includes loss of both arms and both legs or one arm and one leg or of both eyes. This disability should last for at least 6 months before being eligible for accidental total and permanent disablement benefits. Loss of arms or legs means dismemberment by amputation of the entire hand or foot. which causes permanent inability to perform any occupation or to engage in any activities for remuneration or profits.

You have the option to allocate your premium in these funds as you wish. The risk profile of this fund is low.We understand the value of your hard earned money and in our Endeavour to help you grow your wealth. we offer you 4 different tailor-made investment funds. 2. This fund offers steady return for little risk. Investments would be 100% in bank deposits. Balanced Fund: Page | 75 . Further. allocation in Capital Secure Fund for a policy is subject to a maximum limit of 40% at any time. Capital Secure Fund: The investment objective of this fund is to maintain the value of all contributions (net of charges) and all interest additions. They are: 1. government bonds and debt instruments that offer financial security.

The investment objective of this fund is to provide you with investment returns. which is exposed to market movements. Investment would be at least 60% in fixed interest securities and maximum 40% in equities. A greater portion of your funds are invested in fixed securities while a small percentage is invested in the equity market. Growth Fund: The investment objective of this fund is to provide you with investment returns. Here. which exceed the rate of inflation in the long term while maintaining a low probability of negative investment returns. 3. which exposed to market movements. Investments would be at least 80% in fixed interest securities and maximum 20% in equities. a major portion of your funds are invested in Fixed Securities while a small percentage is invested in the equity market. The risk profile of this fund is medium to high. Page | 76 . which exceed the rate of inflation in the long term while maintaining a moderate probability of negative investment returns. The risk profile of this fund is low to medium.

Value of Units: The market value of assets plus/less expenses incurred In the purchase/sale of assets plus current assets plus Any accrued income net of fund management charges Less current liabilities less provision Unit Value = Total number of units on issue (before any new units are allocated/redeemed.4. The risk profile of this fund is high. The higher risk of this portfolio means that expected returns would also be higher. Your returns depend entirely upon the performance of the equity market. This fund offers a totally equity based investment option. Investment would not exceed 30% in bank deposits and may be up to 100% in equities. Equity Fund: The investment objective of this fund is to provide policyholders with high exposure to equities and the possibility of investment returns.) Page | 77 . which generate a high real rate of return in the long term while recognizing that there is a significant probability of negative investment returns in the short term.

25. 10.500. c) Half – yearly – minimum premium is Rs.Who can Buy the product Minimum age at entry Maximum age at entry Maximum age at maturity 30 days 65 years 80 years What is the policy term Minimum policy term Maximum policy term 5 years 40 years Flexible premium payment modes: Choose from five premium payment modes.000. 1.000. 5.000. e) Monthly – minimum premium is Rs.000. 2. f) Single premium – minimum premium is Rs. Page | 78 . b) Annual – minimum premium is Rs. d) Quarterly – minimum premium is Rs.

Policy Administration charges: Rs. 40 will be deducted from your unit account each month.14 15% 5% 15+ 20% 5% (The premium allocation charge for single premium & top – ups is 2%. 3. Fund Management Charges: (The fund management charges will be deducted on a daily basis.) Page | 79 .Charges under the plan: 1. Premium allocation charge For regular premium policies: Term of the policy as below Years First year Thereafter 5-9 10% 5% 10 .) 2.

50% 1. 5.50% 1. for the capital secure fund and 2.a. 100 per withdrawal will be deducted from your unit account.a.75% Revision of charges: The fund management charges are subject to revision at any time. but hey will not exceed 2% p. Switching Charge: Page | 80 .5% p. 4.Unit Linked Funds Capital Secure Balanced Fund Growth Fund Equity Fund Annual Rate 1. for the other funds.75% 1. Partial Withdrawal Charges: Rs. Any changes made to the charges under this policy will be subject to IRDA approval.

Mortality Charges: The Mortality charges. based on your attained age.per switch. are determined using 1/12th of the charges are different. with a maximum of Rs. 6. 1. 7. Surrender Charge: This charge is levied on the unit fund at the time of surrender of the policy as under: Number of years premiums paid Less than 1 1 2 3 and more Surrender charge as percentage of fund value 100% 50% 20% NIL Page | 81 .000/.1% of the amount switched.

How safe is your investment • The investments made in the unit funds are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and the factors influencing the capital market. Page | 82 . and the insured is responsible for his/her decisions. • The unit price is a reflection of the financial and equity/debt market conditions and can increase or decrease at any time due to this. accident & disability benefit charges. The level of this charge will be as per the rate of service tax on risk premium levied by the government from time to time the correct rate of service tax is 12.36% this charge shall be collected along with charges.8.Service Tax Charge This charge will be levied on mortality.

he may return the policy to the company within 15 days of its receipt for cancellation. • The name in the funds in n way indicates the returns derived from them. The benefit payable on maturity will be equal to the value of your units. • Please note that Reliance life Insurance company limited is only the name of the insurance company and Reliance market return plan is only the name of the unit linked life insurance policy and does not in anyway indicate the quality of the policy or its future prospects or returns Free Look Period. In case the policyholder disagrees with any of the terms and conditions of the policy.• Benefits payable under the policy will be made according o the tax laws and other regulations in force at that time. stating his/her objections in which case the company will refund an amount equal to the non allocated premium plus the charges Page | 83 . • There are no guarantees for any fund of any kind under this policy.

Reliance Money assists you in areas of Health insurance. Travel insurance. Home insurance and Motor insurance. General Insurance General Insurance is all about protecting against all kind of insurable risks. RGICL PRODUCTS HEALTH • Individual Mediclaim Insurance Policy Page | 84 . If the risk acceptance date falls within cooling off period. then on cancellation RLIC shall pay fund value less of charges.levied by cancellation of units plus fund value as on the date of receipt of the request in writing for cancellation. less the proportionate premium for the period the company has been on risk and the expenses incurred by the company medical examination and stamp duty charges.

a specialized retail product PERSONAL ACCIDENT • Personal Accident Insurance (Individuals) Policy • Group Personal Accident Insurance FIRE • Standard Fire and Special Perils Policy • Industrial All Risks Insurance Policy • Consequential Loss (Fire) Insurance Policy ENGINEERING • Erection All Risks/Storage-cum-Erection Insurance Policy • Contractor’s All Risks Insurance Policy • Contractor’s Plant and Machinery Policy • Machinery Breakdown Insurance Policy • Machinery Loss of Profits Insurance Policy • Boiler & Pressure Plant Insurance Policy • Electronic Equipment Insurance Policy Page | 85 .• Group Mediclaim Insurance Policy • Oversees Travel Care Insurance Policy • Reliance Health Wise Policy (inclusive of PED & Critical Illness) – NEW .

MARINE • Marine Cargo Insurance Policy • NEW .Marine Turnover based Policy • NEW .Multi Transit Policy MOTOR • Private Car Comprehensive Insurance Policy LIABILITY • Directors and Officers Liability Insurance Policy • Public Liability (Act) Insurance Policy • Public Liability Insurance Policy • Product Liability Insurance Policy • Professional Indemnity Insurance Policy • Workmen’s Compensation Insurance Policy PACKAGED POLICIES FOR CORPORATES • Industry Care Insurance Policy • Commercial Care Insurance Policy • Office Package Insurance Policy • Fidelity Guarantee Insurance Policy Page | 86 .

• Insured has the option of selecting coverage either on the basis of market value or the reinstatement value. for favorable claims experience and on renewal of the policy. – Fire and allied perils for building Section 2B. • The coverage is available at reasonably priced premiums. • The policy offers the flexibility to customize the policy by selecting appropriate covers. Scope of the cover Coverage under this policy is spread across 11 optional sections.• Burglary and Housebreaking Policy • Money Insurance Policy • Householder’s Package Insurance Policy • Shopkeeper’s Package Insurance Policy Reliance Shopkeeper’s package Policy Key Advantage • Comprehensive coverage against various perils spread across different sections of the policy. • Discounts ranging from 5% to 20% for customers opting for four or more sections. enabling you to choose from them and customize the policy Section 1A. – Fire and allied perils for contents Page | 87 .

construction. Cyclone. Tornado. Strike and Malicious Damage • Storm. These comprise• Fire • Lightning • Explosion / implosion • Aircraft Damage • Riot. Flood. apparatus and pipes. Typhoon. structural alterations or repair of any property or ground works or excavations • Bursting and / or overflowing of water tanks.The physical structure of your shop (under section 1A) and the contents therein (under section 1B) can be covered against fire and allied perils. • Missile testing operations • Leakage from automatic sprinkler installations • Bush fire • Terrorism cover (optional) Policy exclusions Page | 88 . Tempest. Hurricane. and Inundation • Impact Damage • Subsidence and landslide including Rockslide demolition.

gradual deterioration or slowly developing flaws • Consequential loss of any kind • Willful act or gross negligence on the part of the insured Commodities A single platform to trade on both the major commodity exchanges i.e. In addition In-house research desk shall provide research reports on all major commodities which shall enable in getting views for trading and diversify client’s holdings. we would like our policy to be as transparent as possible. NCDEX and MCX. To ensure that you do not face any unpleasant surprises when you make a claim. • Loss or damage due to war and nuclear perils • Damage to property due to pollution and contamination • Loss or damage due to wear and tear. Page | 89 . Trade Execution assistance is also provided to clients.At reliance general insurance. we would like you to know some of the major exclusions under the policy.

Art Investments Structured Products is a new class of financial products for investors apprehensive of increased volatility in stock markets. Overseas Investments and Infrastructure Investments. Tax Planning With a view to provide complete wealth management solutions. Art Funds. Reliance Money’s wealthmanagement offerings include tax related services like: Tax Planning & advisory Filing Tax returns for individuals Real Estate Advisory Services Broking Model for lease/rent and buy/sell of property Page | 90 .Structured Products. Real Estate Funds. Specially designed products could include Equity. Index-linked in nature.

Lease rentals. etc.Property Valuation Real-estate Consulting – Corporate earnings model. Offshore Investments Reliance Money provides a unique opportunity to invest in international financial markets through the online platform which includes different product ranges. CONCLUSION Page | 91 .

THE RELIANCE MONEY HAS A GOOD PLATFORM IN THE MARKET. • Lack of loyal clientage • Developing product. SWOT ANALYSIS Weakness • Low awareness due to lack of advertisement. AFTER COLLECTING DATA ABOUT RELIANCE MONEY AND PREPARING THIS PROJECT I AM ABLE TO MAKE A SWOT ANALYSIS WHICH IS GIVEN BELOW. IT HAS A WIDE RANGE OF PRODUCTS OFFERED TO THE CUSTOMERS. Opportunity • Untapped Market • Increased spending power • Changing Mindset of Customers • Unpredictable Sensex Strength • Good Database • Reliance Brand • Low pricing Threat • Reach • Stiff competition from existing players in the market • Better products Based on the above SWOT analysis and study of the available data I have come to the following conclusions: HUGE POTENTIAL: Page | 92 .

Page | 93 . This particular trend is very favorable because a soaring SENSEX means higher returns. HUGE INVESTMENTS TAKING PLACE: The Stock Market has been very buoyant until now especially in the past 3 years. a lot of avenues will open up in the insurance sector and insurance companies are expected to come up with new plans with a great deal of customization and flexibility. Right now Reliance is at its nascent stage and will surely grab the major market under its belt very soon like in other fields. LARGE UNTAPPED MARKET: In the past few years there has been a tremendous inflow of funds in the Indian market which has lead to the sky rocketing SENSEX. With the FDI limits being relaxed. which means it requires a lot of conviction on part of the executives. In fact there has been a tremendous response from the investors not only in shares but mutual funds as well. Reliance is slowly but surely gaining a strong hold because it is finally able to grasp the investment climate. In case of insurance.All though relatively new entrants in the market. which encourages the investors to invest their money in the market. it requires push selling because people always associate it with emergencies and unpleasant situations like death and they don’t want to think about such situation let alone prepare for them.

reliancemoney.com www.BIBLIOGRAPHY BOOKS: METHODOLOGY OF RESEARCH IN SOCIAL SCIENCES (KRISHNASWAMY) RESEARCH METHODOLOGY (SMU) MARKETING RESEARCH (TULL.com www.infoline.reliancemutual.com www.com www.com www.com Page | 94 .google.indiaretailbiz.traderji.businessweek. HAWKINS) WEBSITES: www.com www.com www.thehindubusineeline.

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