A STUDY ON SENIOR CITIZENS INVESTMENT PORTFOLIO OF

BAJAJ CAPITAL
Master thesis submitted in partial fulfillment of the requirement for the award of
degree

OF

MASTER OF BUSINESS ADMINISTRATION

OF
BENGALURU CITY UNIVERSITY

SUBMITTED BY
PREM KUMAR N
REG. NO: P18AN21M0064
Under the guidance of
Prof. ARCHANA
Assistant Professor

ADARSH INSTITUTE OF MANAGEMENT AND INFORMATION TECHNOLOGY

Bengaluru City University
2022-2023
 DECLARATION BY THE STUDENT

I hereby declare that “A STUDY ON SENIOR CITIZENS INVESTMENT PORTFOLIO

OF BAJAJ CAPITAL” is the result of the project work carried out by me under the guidance
of Associate professor ARCHANA in partial fulfilment for the award of Master’s Degree in
Business Administration by Bengaluru City University.

I also declare that this Master Thesis is the outcome of my own efforts and that it has not been
submitted to any other university or Institute for the award of any other degree or Diploma or
Certificate.

Place: Bengaluru Name: PREM KUMAR N

Date: Register Number: P18AN21M0O64

 GUIDE CERTIFICATE

This is to certify that the Business Plan Report “A study on senior citizens investment
portfolio of Bajaj Capital” Submitted by PREM KUMAR N, P18AN21M0064 to Bengaluru
City University, and Bengaluru for the award of Degree of Master of Business Administration is
a record of work carried out by him/her under my guidance.

Date: Signature:
 Acknowledgement

Firstly, I would like to convey my heartfelt gratitude to Director, CBSMS, Bengaluru City
University for providing me with this wonderful opportunity to work on a Master thesis for
fulfilling my MBA Degree.

I owe special debt of gratitude and deepest thanks to my Master thesis Guide
Prof. ARCHANA N, Associate Professor for her constant support and guidance throughout the
course of my work. It is only her cognizant efforts that my Endeavour have seen light of the day.
Your useful advice and suggestions were really helpful to me during the Master thesis
completion. In this aspect, I am eternally grateful to you.

I would like to express my profound gratitude to Dr. R. VENKATARAMAN, Director and

Principal, and Dr. UMA DEVI ANANTH, Project Coordinator of the college for their
contributions to the completion of my Master thesis.

I also do not like to miss the opportunity to acknowledge the contribution of all faculty members
of the department for their kind assistance and cooperation during the development of my Master
thesis. Last but not the least, I acknowledge my friends for their contribution in the completion of
the Master thesis.

I would like to acknowledge that this project was completed entirely by me and not by someone

else.
 Date: 29/10/2023

TO WHOM IT MAY BE OF CONCERN

This is to certify that Mr. PREM KUMAR N, Reg No: P18AN21M0064, a student of MBA
from Adarsh Institute of Management and Information Technology, Bengaluru, Bangalore,
India. He has successfully completed her 6 weeks (from 11 th Sept, 2023 to 25th Oct, 2023)
internship programme at his company for the purpose of Dissertation project Tittle is “ A
STUDY ON SENIOR CITIZENS INVESTMENT PORTFOLIO OF BAJAJ CAPITAL”.
During the period of his internship programme with us he was found punctual, hardworking and
inquisitive.
For, BAJAJ CAPITAL LIMITED
We wish him all the best for his future

With regard,
For, BAJAJ CAPITAL LIMITED,

3BARDAP JI B L
AJ C
TAL
BENGALURU

OCK R
R.SEKAR

AJAJI
Asst. Operational Manager

Registered office: Mezzanine floor 97, Bajaj house, Nehru place New Delhi DL in 110019 India
[CIN: U67120DL1965PLd004338]
Email: info@bajajcapital.com
www.bajajcapital.com
OFFICE: No. 293/1, 17th main road, 3rd Block, Rajajinagar, Bengaluru-560010, Phone No: 08023357360,
website: www.bajajcapital.co
Table of contents

Chapters No. Topics Page No.

1 INTRODUCTION 1
1.1 Overview of the topic 2-12
1.2 Theoretical Background of the Study 13-17
1.3 Explanation for related concepts of selected research 14-25
2 ORGANIZATIONAL PROFILE 26
2.1 Introduction to the Organization 27-29
2.2 Company Profile 30-33
2.3 Product and Service profile 34-45
2.4 Business Model Canvas 46-48
3 REVIEW OF LITERATURE AND RESEARCH DESIGN 49
3.1 Review of Literature and Gaps 50-54
3.2 Statement of the Problem 55
3.3 Need for the Study 55
3.4 Scope of the Study 55
3.5 Objectives of the Study 56
3.6 Research Design 56
3.7 Sampling Framework 56
3.9 Tools for Data Collection 56
3.10 Limitations of the Study 57
4 DATA ANALYSIS AND INTERPRETATION 58
4.1 Details of tools used for Data Analysis 59
4.2 Data Analysis and Interpretation 60-73
5 SUMMARY OF FINDINGS, CONCLUSIONS, AND 74
SUGGESTIONS
5.1 Summary of Findings 75
5.2 Conclusion 76
5.3 Suggestions to the Organization 77
BIBLIOGRAPHY AND APPENDICES 78
1. Synopsis Registration Form
2. Progress Report
3. Plagiarism Report
 List of tables
Table Title of the table Page No.
no.
4.1 Gender 60
4.2 Age 61
4.3 Do you have regular savings? 62
4.4 What is your preferred method of saving? 63
4.5 What is the percent of your income do you save regularly? 64
4.6 What type of investment do you have? 65
4.7 What is the primary goal of senior citizens investors? 66
4.8 Do you have a financial advisor or planner? 67
4.9 How often do you review your financial plan? 68
4.10 What challenges do you face in managing your finances 69
after retirement?
4.11 What are your plans for your savings and investments to 70
support your dependents and beneficiaries?
4.12 Do you long term care insurance? 71
4.13 How would you describe risk tolerance when it comes to 72
investment?
4.14 Are you aware of Tax-saving investment options available 73
to senior citizens in your country?
 Abstract

The aging population worldwide presents a significant economic challenge, with a growing
number of senior citizens relying on their savings and investments to sustain their lifestyles post-
retirement. This study delves into the savings and investment portfolios of senior citizens,
examining the diverse strategies employed by this demographic to secure their financial futures.
By conducting a comprehensive analysis of the financial instruments utilized by senior citizens,
this research explores the impact of economic, social, and demographic factors on their
investment decisions.

The aging population presents unique challenges and opportunities for financial institutions.
Senior citizens, in particular, require specialized financial planning to ensure a comfortable and
secure retirement. This study investigates the savings and investment portfolio of senior citizens
with a focus on Bajaj Capital, a leading financial advisory firm.

The research delves into the diverse financial needs of senior citizens, considering factors such
as risk tolerance, income sources, healthcare expenses, and legacy planning. Through qualitative
and quantitative analysis, this study aims to identify the investment preferences and trends
among senior clients of Bajaj Capital.

The findings of this study shed light on the tailored financial strategies employed by Bajaj
Capital to optimize the savings and investment portfolios of senior citizens. It explores the
various investment vehicles recommended to this demographic, including fixed income products,
mutual funds, insurance schemes, and pension plans. Additionally, the research investigates the
role of technology in enhancing accessibility and convenience for senior investors.

This research provides valuable insights into the evolving landscape of savings and investments
for senior citizens, with a specific focus on Bajaj Capital's approach. The study contributes to the
broader discourse on financial planning for the elderly, offering recommendations for both
financial institutions and policymakers to better serve the unique needs of this demographic
group.