Name of the Organization

INTERNSHIP REPORT

Prepared by : Archika Shankar

Roll no : 51
Semester : 5

Date-20/01/2023
PREFACE

As I know that project is an essential part of my theoretical knowledge with practical knowledge
to inculcate efficiency.

I have chosen this topic to gain the knowledge about how the Indian Retail Investor are growing
year on year and how a community is built around them.

I observed how a startup is helping connect this retail investors who are now becoming a
dominant force of the industry.

I would Like to express my and my teammates thoughts through this project report.
ACKNOWLEDGEMENT
It is a great opportunity and pleasure for me to express my graduate towards all the individual
who directly contribute towards completion of this report I was provided with an opportunity to
be a part of it. I am also grateful for having a chance to meet so many wonderful people and
professional who led me though this internship period.

Bearing in mind previous we were using this opportunity to express our deepest gratitude and
special thanks to Miss Natasha Bhardwaj who in spite of being extraordinarily busy with her
duties , took time out to hear, guide and keep us on the correct path and allowing us to carry out
our project at their esteemed organization and extending during training.

I perceive as this opportunity as a big milestone in my career development. we will strive to use
gained skills and knowledge in the best possible way, and we will continue to work on their
improvement, in order to attain desired carrier objectives. Hope to continue cooperation in
future.
DECLARATION

I Archika Shankar Student OF ST XAVIERʼS COLLEGE OF MANAGEMENT AND TECHNOLOGY

PATNA, here by solemnly declared that the project titled Life Insurance is my original as all the
information facts and figure in this report is based on my experiences and during academic year
2020-2023. I declare that whatever I have started in this project report are true to best of my
knowledge.
 TABLE OF CONTENTS

S Title Page No.

.
N
o
0 Introduction
1
.
0 Summary
2
0 History of Stock Market
3
.
0 Industry background
4
.
0 A brief history of insurance sector in India
5
.
0 Insurance sector reforms
6
.
0 Indian insurance market
7
.
0 Company profile
8
.
0 About Ageas federal life insurance
9
.
1 About the sponsors of Ageas federal life
0 insurance
.
1 Companyʼs vision, mission and values
1
.
1 Products offered
2
.
1 History of the organisation
3
.
1 Description of business problems
4
.
1 Description of work assigned
5
.
1 Description of work carried out
6
.
1 Conclusion and work recommendations
7
.
1 Observations and learnings
8
.
Description of the Internship :-

Department - marketing

Start date - June 1st 2022

End date - June 21st 2022

Reporting supervisor - Natasha Bhardwaj

Associate influencer success and marketing .

Address of the org. - Kolkata , west Bengal.

 INTRODUCTION

Ever since the Indian stock market became popular in the early 2000s, institutional investors,
both domestic and foreign, were the dominating forces. Individual investors, also known as retail
investors, barely had any presence. Only a handful of them participated in the stock market.

One of the primary reasons for the lacklustre involvement of retail individual investors was that
the stock market was still in its nascent stage. And since people hadnʼt quite understood how it
actually worked, they were apprehensive of investing in it.

However, fast forward to the present, and youʼll see that things have shifted dramatically. The
National Stock Exchange (NSE), one of the two premier stock exchanges of the country, states
that the market share of retail investors in stock markets has now touched 45% as of FY2021.
This stark new development makes individual investors the current dominant force in the Indian
stock market.

Whatʼs even more interesting is the fact that countries across the world are also witnessing a
simultaneous rise in retail investor participation. In China, for instance, around 99% of the total
investor base is made up of retail investors.
 SUMMARY:

The share of Indian retail investors in listed equities has increased from 36% in FY17 to
41% in FY22. Retail investors today are building a diverse portfolio, comprised of financial
products across diverse asset classes.

Retail investors transition through multiple stages in their investment journey, starting
from Awareness Generation to Post Investment Behavior Retail investors are well
informed about the financial products, with family and peers being their primary sources
of information.

High returns have emerged as the most important criteria for retail investors to choose a
particular financial product. Risk profiles of retail investors are evolving over time, with
amajority of investors open to experimenting with the medium-risk financial products
SIPs continue to be the most preferred medium of investment for most retail investors
 HISTORY OF STOCK MARKET

Reading about the stock market, you encounter names like the Dow Jones Industrial
Average and the S&P 500 Index. These are two of the stock marketʼs most famous
benchmarks, or barometers that try to capture the performance of the whole market and
even the whole economy.
Founded in 1896 by Charles Dow and Edward Jones, the Dow is a price-weighted
average. That means stocks with higher price-per-share levels influence the index more
than those with lower prices. The Dow is made up of 30 large, U.S.-based stocks. It was
designed as a proxy for the overall economy.
The Dowʼs 12 initial components were mainly industrial companies, such as producers of
gas, sugar, tobacco, oil, as well as railroad operators. It has since gone through many
changes and now includes technology, healthcare, financial and consumer companies.
General Electric was one of the original Dow members. Meanwhile, Procter & Gamble was
added in 1932 and remains in the benchmark today.
Meanwhile, the S&P 500 was created in 1923 by Henry Barnum Poorʼs company, Poorʼs
Publishing. It began by tracking 90 stocks in 1926. Standard & Poorʼs was founded in
1941, when the company merged with Standard Statistics.
Today, the S&P 500 is a market-cap-weighted index, meaning companies whose market
value is larger have a bigger influence. Market value or market cap is calculated by
multiplying the price-per-share by the number of shares outstanding. More so than the
Dow or other gauges like the Russell 2000 Index, the S&P 500 has become synonymous
among investors with the stock market.
 Commonly Used Terms In Stock
Market

1. Market trend
The market trend is the direction at which the stock market is currently
moving. For instance, if the stock market has been moving up over the past
few weeks, then the market is said to be in an upward trend.

2. Bullish market
When the market trend is positive, i.e., moving upward, the market is termed
to be bullish in nature.

3. Bearish market
When the market trend is negative, i.e., moving downward, the market is
termed to be bearish in nature.

4. Dividend
Occasionally, companies distribute the profits earned by it during a year to
its equity shareholders.

5. Support levels
The level beyond which the price of a stock refuses to fall down is termed as
a support level. Usually, stocks that touch their support levels tend to
bounce back up.
 HISTORY OF INDIAN STOCK MARKET

The history of the stock exchange represents the history of the Indian stock
market. The stock exchange is the platform where the investors trade the stocks.
Earlier, there were 8 national and 21 regional stock exchanges in India. After the
SEBI started tightening the regulations, it closed down all regional stock exchanges
in India except the Calcutta Stock Exchange.

Bombay Stock Exchange

Bombay Stock Exchange (BSE) is Asiaʼs first stock exchange. It was established in
the year 1875. It has various indices, and one of the famous indices is the BSE
Sensex. The BSE Sensex comprises 30 stocks listed on the BSE. As per the latest
information from the BSE website, there are 18,143 securities listed on March 31,
2021.

The market has been rising after the setback caused by the COVID-19. Out of all the
listed companies in BSE, only 30 top companies are included in the BSE Sensex,
which constitutes the index.

National Stock Exchange

The National Stock Exchange (NSE) was established in 1992. It comprises various
indices, and one of the famous indices is the Nifty 50 Index. The Nifty 50 Index
comprises 50 entities listed on the NSE. As of March 31, 2021, there are 1920 firms
listed on the National Stock Exchange. The Nifty 50 index is nothing but an average
of the top 50 companies listed on the National Stock Exchange.
 Registration

Candidates can register online by accessing the link 'Online

Registration' available under Education>Certifications>Online Register /
Enroll.

Once registered, you will get a unique NCFM registration number along with
a user id and password. Confirmation will be sent to the email id and mobile
number entered during registration.

Using the same, you can access your online NCFM account to make payment
/ enroll for test / update address / check study material status / view
certificates etc.

Candidates are required to ensure that their latest address is updated in

their online NCFM profile. To update address candidates need to access the
link ‘Edit Profile’ available in their NCFM online login.
 REFORMS IN INDIAN STOCK MARKET

There was a paper trade system wherein the brokers used to get records of the
price and quantity at the very inception. The best matches were made manually.
This is how the market used to get flooded with quotes and sound over the
assembly.

The first stock exchange in India was established in 1875 in Bombay, Maharashtra,
where the native share and stock brokerʼs association was formed to trade
securities.

By 1992, the BSE Sensex rallied from 1000 to 4000, registering a rise of 300%. This
was the time of the big bull- Mr Harshad Mehta. His voluminous buying led the
market to touch highs and highs.

After the scam was known, the SEBI (Securities Board of India) was introduced to
regulate the unrequired volatility in the stock market.

In 2002 and 2003, the settlement period was revised to T+2 business days, and the
BSE Sensex shifted to a free-float market.

In 2004, the Indian National Congress came back in power, and people lost faith in
the Government. The Sensex falling reflected it by 11.14%, the biggest fall ever.
The NSE also launched the ETF listings.

After the market fall of 2008, the IPO index was launched. The market time
changed from 9:00 AM to 3:30 PM.

BSE achieved the landmark of the market capitalisation of Rs 100 lakh crores in
2014, while the SME index crossed the Rs. 10 thousand crores mark

Post COVID-19 2020, the market flooded with loads of investment, and new DEMAT
accounts were opened. The confidence of retail investors shifted from safe
harbours like fixed deposits to stock market investment. In June 2021, a milestone
of 7 crores of registered users was recorded.
 THE RISE OF RETAIL INVESTORS IN INDIA

Many attribute the rise in retail participation in the stock markets of India to the lockdowns
enforced by the Indian government in 2020. However, contrary to popular opinion, this did not
happen overnight.

A look at the number of demat accounts opened year after year gives a better perspective of how
things panned out. In FY11, the total number of demat accounts was 19 million. In FY12, this
number grew to 19.9 million, which is an increase of almost 1 million!

A similar pace was maintained till FY15, when the number of accounts rose by 1.5 million. Since
then, the number of new demat accounts opened year after year began to steadily increase.

FY18 and FY19 each saw around 4 million new demat accounts being opened. While that
impressed many stock market experts, it was no match to the staggering 4.9 million new
accounts opened during FY20.
Reasons for the rise of retail investors in the stock markets

There are many reasons that have contributed to the increasing interest shown by the retail
investor segment. Hereʼs a quick look at a few of them.

○ Millennial investors: One of the key drivers of this steady growth has been the entry of
millennials in the stock market space. Unlike their predecessors, millennials are seemingly more
open to taking risks. This made them naturally inclined toward the stock markets.
○ Easier access to the stock markets: With the introduction of Aadhaar verification and
e-KYC norms, opening a trading and demat account has become easier and quicker. Thatʼs not
all. Since the entire process is completely paperless, it can be done online from the comfort of
your home, your office, or even when youʼre on the move.
○ Increase in awareness: The mystery surrounding stock markets has been steadily
decreasing. Stockbroking companies have undertaken painstaking efforts to compile
comprehensive investor education modules to educate individuals about the markets. By
breaking down the various concepts of trading, investing, and the stock markets as a whole,
these efforts have served to increase retail investor awareness.
○ Lockdowns enforced by the COVID-19 pandemic: This has been one of the most
important reasons for the absolutely meteoric rise in retail participation. The enforcement of
nationwide lockdowns gave retail individual investors more time on their hands. And Indiaʼs
investors seem to have prudently used this time to get into stock trading. In addition to that, a
fall in income due to pandemic-driven pay cuts also pushed many people to take the leap into
the world of stock trading.
 ABOUT STOCKTWITS

StockTwits is a social media platform designed for sharing ideas between investors, traders, and
entrepreneurs. The company was co-founded by Howard Lindzon and Soren Macbeth in 2009.
The company received the first Shorty Award in the 2008 finance category. Time magazine listed
the company as one of its 2010 "50 best websites."

The company was also named one of the "top 10 most innovative companies in finance" in 2012
by FastCompany. In June 2013, StockTwits had 230,000 active members. By mid-2019, that figure
had increased to 2 million, and the company premiered free online trading via an iOS app. In
2022, the Stocktwits platform added crypto and equities trading to the platform.
 COMPANY PROFILE

● Type of site: Social media

● Founded: 2008
● Headquarters: New York, U.S.
● Area served: World wide
● Founder(s): Howard Lindzon and Soren Macbeth
● Key people: Rishi Khanna (CEO)
● Employees: 51-200
● URL: stocktwits.com
● Users: 6 million registered
 HISTORY AND KEY PIVOTS OF STOCKTWITS

The idea for the company came from a 2008 blog post where Lindzon suggested that Twitter
would be great for stocks and markets even though he once passed on the opportunity to invest
in the company. Lindzon teamed up with Soren Macbeth to form the company in 2009. The
company utilized Twitter's application programming interface (API) to integrate StockTwits as its
own "highly graphical platform of market news, sentiment and stock-picking tools." StockTwits
utilized "cashtags" with the stock ticker symbol, similar to the Twitter hashtag, as a way of
indexing people's thoughts and ideas about a company and the stock.

StockTwits received the first Shorty Award in the 2008 finance category.

Incorporation of the company Abnormal Returns in 2010 boosted the content available to
StockTwits subscribers.

StockTwits began offering a service in 2011 that allows companies to manage and monitor
information within the service. Lindzon says it also allows a company to "monitor discussion
about the company."

Time magazine listed StockTwits as one of its 2010 "50 best websites." StockTwits was named
one of the "top 10 most innovative companies in finance" in 2012 by FastCompany.

As of June 2013, StockTwits had raised $8.6 million in venture capital but has not yet made a
profit.Fifty percent of the company's revenue comes from financial data sold to clients including
Bloomberg L.P. and Google. Lindzon believes a "cultural change" is needed for the large financial
institutions to embrace this technology and that change may take as long as five years.

In June 2016, StockTwits Inc. announced Ian Rosen, a co-founder of Even Financial and former
general manager at MarketWatch, as chief executive officer.

In January 2017, StockTwits Inc. acquired Investing Discovery Platform SparkFin Inc

In December 2017, Stocktwits announced its redesigned web and mobile sites with a new
feature called Discover that provided user with important stock information, curated content
and earnings calendars.

In August 2018, Stocktwits announced its launch of Rooms, a product that enables users to
create new communities based on shared interests, specific stocks or trends affecting the
markets.
In October 2018, Stocktwits announced the launch of its Premium Rooms product at
Stocktoberfest West, the company's premier event held in Coronado, California. The new feature as
a part of Rooms offers users unprecedented access to exclusive content, concepts, and
analysis from top investors on a subscription basis.

In December 2018, Brian Norgard, former head of product at dating app Tinder, joined the board of
directors of StockTwits to help the company expand into new areas of financial technology and
media.
In April 2019, Stocktwits announced it would launch a Stocktwits Trade App, which allowed
users to place unlimited free equity trades and featured fractional investments. The app was
offered by Stocktwits subsidiary ST Invest LLC, a registered broker-dealer and member of the
Financial Industry Regulatory Authority.

In December 2021, Stocktwits raised 30M$ for its seed B funding round and announced its next big
moves including a boost in its crypto coverage and plans to launch in India by Q2 in 2022. The
series B funding set Stocktwits at a valuation of $210 million.

In February 2022, Stocktwits launched its crypto trading platform.

In July 2022, Stocktwits launched equities trading on its platforms for individual investors.
Stocktwits raises $30 million, plans to enter the
Indian market

The Series B round of funding led by Alameda Research Ventures — the same
powerhouse that’s behind the crypto exchange founded by Sam Bankman-Fried
and valued at $25 billion — includes a partnership with Times Bridge to bring its
offerings to consumers in India.

Times Bridge is the global investments and venture arm of The Times Group,
India’s oldest and largest media and digital company, with more than 557 million
active monthly users. Times Bridge has helped other companies like Airbnb,
Houzz, Uber, Stack Overflow, Smule, Headspace and Coursera expand their
footprint across the country.
 Stocktwits India

Our mission is to provide the platform to host the global conversation for
investors and traders of all types of assets, styles and experience levels to
connect, learn, profit and have fun.

How does stocktwits make money?

Stocktwits — which makes money by selling ads and consumer

subscriptions — is using the new funding to expand its conversations, which
already include stocks and cryptocurrencies, to NFTs and collectibles
 Stocktwits raise funding

It’s like Twitter, but for the stock market. The inventor of the “cash
tag,” StockTwits, is announcing some big changes.
Armed with an additional $2 million in funding led by Social Leverage, Ian
Rosen, co-founder of Even Financial and former general manager at
MarketWatch, will be taking the helm as CEO. StockTwits founder Howard
Lindzon will be moving into the executive chairman role.

With about 1.5 million monthly active users, StockTwits currently attracts an
audience of young professionals, with 60% of its users under 44. The team
believes they can build out content, such as video, that would
increase engagement.
DESCRIPTION OF WORK ASSIGNED
DESCRIPTION OF WORK DONE