“A Research Project on

TARGET MARKETING ANALYSIS OF

RELIANCE MONEY

GLA UNIVERSITY

For the partial fulfilment of the requirements for the degree of

MASTER OF BUSINESS ADMINISTRATION

BY

Kishanbir Singh

2284100229

Under the GUIDENCE of

Mrs. Shambhavi Dwivedi

Asst. Prof. (P.G)

Faculty of INSTITUTE OF BUSINESS

MANAGEMENT

JUNE-JULY 2023
 CERTIFICATE

This is to certify that the project report entitled “TARGET MARKETING

ANALYSIS OF RELIANCE MONEY”, Submitted by KISHANBIR SINGH (ROLL.
No:(2284100229) in partial fulfilment for the final project in awards of Master of Business
Administration of GLA University- Mathura, is a bonafide research work carried out
under my supervision and guidance and no part of this project has been submitted for any
other degree / diploma.

The assistance and help received during the course of the investigation has been fully
acknowledged.

Dr. Anurag Singh Mrs. Shambhavi Dwivedi

Director IBM Asst. Professor & Project Guide
 DECLARATION

I, KISHANBIR SINGH Roll. No: 2284100229, hereby declare that the project report titled
“TARGET MARKETING ANALYSIS OF RELIANCE MONEY” under the supervision and the guidance
of Mrs. Shambhavi Dwivedi, Asst. Professor, Department of IBM, GLA UNIVERSITY
(MATHURA), is the result of the original work done by me and to the best of my knowledge,
a similar work has not been submitted earlier to any University or any other Institution.

Place: Mathura KISHANBIR SINGH

Date: 25-08-2023
 ACKNOWLEDGEMENT

In the course of this project, I have received help from a number of people. I would like to
take this opportunity to thank them all. I am grateful to our College Administration for giving
me an opportunity to do this Project.

It is my great pride and privilege to appreciate our respected Director sir Dr. Anurag Singh
and my beloved project guide Mrs. Shambhavi Dwivedi, Dept. of Institute of Business
Management, GLA University, who have motivated and encouraged me with their tireless
guidance and support for the successful completion of this project.

I would also extend my heartfelt gratitude to the Manager Mr. NITIN AGRAWAL of
Reliance Securities– Agra and my Industrial project guide Mr. Akash Saxena of Reliance
Securities, for their support and valuable time spent to make this project a reality.

Last but not the least; I would like to thank the almighty and all our faculty members, friends
and family for their support and inspiration.
 CONTENTS

Chapter Topics Page No

Chapter 1: Introduction

1.1 Over View Of Target Market 2

1.2 Organizational Profile 6

1.3 Objective of the Study 10

1.4 Methodology 10

1.5 Method of Analysis 15

1.6 Limitations of the study 16

Chapter 2: Integrated perspective of all functional areas

in organization.

2.1 Human Resources and Development Department 18

Function
2.2 Marketing Sectors 21

2.3 Finance Sectors 22

2.4 Operation Sector 24

Chapter 3: Analysis of Data 28

Chapter 4: Findings & Suggestions

4.1 Findings 45

4.2 Suggestions 47

Chapter5: Conclusion& Bibliography

5.1 Conclusion 49

5.2 Bibliography 50

Questionnaire 52
CHAPTER 1

INTRODUCTION
 Introduction to the study:

Marketing is everywhere. Formally or informally, people and organizations engage in a vast

number of activities that could be called marketing. good marketing has become an
increasingly vital ingredient for business success and marketing profoundly affects our day-
to-day lives.it is embedded in everything we do –from the clothes we wear to the web sites
we click on, to the ads we see.

Marketing deals with identifying and meeting human and social needs.one of the shortest
definitions of marketing is “Meeting needs Profitably”

Target Market:

Target markets are groups of individuals that are separated by distinguishable and
noticeable aspects.

A complete analysis of the market is critical to the success of any product.

Understanding the target audience and knowing how to effectively reach them is vital, and
can be done with a few basic steps.

Why it is Important to Target your Audience?

Target audience analysis is a method of gleaning detailed information about the market for
a product or service. Before marketing a product, writing a book, making a movie, or
beginning anything that will have an audience, the creator should perform an analysis of the
expected target. This helps to shape the product to best meet the needs of the market as well
as determining the most effective way to reach them. If the analysis is not done before
development of the product, the idea or item may never reach its intended audience.

The best way to begin to define the target audience is to look at the product that will be
marketed. In general, who will use this item? Is it something for a large portion of the
population, perhaps a product that could be used in every household, or is it focused toward
a particular group, such as academics in a specialized field. Once the target population is
loosely identified, there are several steps to learn more about them. It is best to drill down
as deeply as possible to find out the quickest way to reach your market.
Demographics

A good starting point is to analyze the demographics of the target audience. There are
several ways to determine this. Census information can help with demographics in a
particular region. Examining the demographic information for users of a similar product
that is already on the market can also provide insights. If it is a narrowly focused group
such as the academics mentioned earlier, perhaps there is a dedicated association that can
provide demographic information about the audience.

Details

Once information has been gathered about the typical age, gender and economic profile
of the expected market, it is time to drill deeper. The audience has needs and desires that
will be fulfilled by this new product or service, so the goal of the analysis is to
understand the fine points of these needs. If the market is utilizing similar products,
perhaps there is something lacking that a new idea or product could fulfil. This
information can be gained through observation, interviews and focus groups, to get
deeper into the minds of the audience.

Using the Analysis

When the analysis is complete it can be put it to use. The geographic location, age range,
gender, income and details about the needs and desires of the target audience are now
understood. The product can be crafted to perfectly reach the audience and fulfil their
needs. Once the product is complete, the analysis once again, becomes important. The
analysis can now help pin point the geographic location of the target market and allow the
creator to determine the best method of getting the production front of them.
Failure to undertake a complete audience analysis before beginning a project is a big
mistake. In order to be successful, the marketer must know who the target is before
starting the creative process.
1.1 Industry Profile:

With an annual growth rate of 15-20% and the largest number of life insurance policies in
force, the potential of the Indian insurance industry is huge. Total value of the Indian
insurance market (2004-05) is estimated at Rs. 450 billion (US$10 billion). According to
government sources, the insurance and banking services contribution to the country's gross
domestic product (GDP) is 7% out of which the gross premium collection forms a
significant part. The funds available with the state- owned Life Insurance Corporation
(LIC) for investment. Till date, only 20% of the total insurable population of India is
covered under various life insurance schemes, the penetration rates of health and other non-
life insurances in India is also, well below the international level. These facts indicate the
of immense growth potential of the insurance sector.
The year 1999 saw a revolution in the Indian insurance sector, as major structural changes
took place with the ending of government monopoly and the passage of the Insurance
Regulatory and Development Authority (IRDA) Bill, lifting all entry restrictions for private
players and allowing foreign players to enter the market with some limits on direct foreign
ownership.
Though, the existing rule says that a foreign partner can hold 26% equity in an insurance
company, a proposal to increase this limit to 49% is pending with the government. Since
opening up of the insurance sector in 1999, foreign investments of Rs. 8.7 billion have
poured into the Indian market. Innovative products, smart marketing, and aggressive
distribution have enabled fledgling private insurance companies to sign up Indian customers
faster than anyone expected. Indians, who had always seen life insurance as a tax saving
device, are now suddenly turning to the private sector and snapping up the new innovative
products on offer.
The life insurance industry in India grew by an impressive 36%, with premium
income from new business at Rs. 253.43 billion during the fiscal year 2004-2005,
braving stiff competition from private insurers. This report, “Indian Insurance
Industry: New Avenues for Growth 2012”, finds that the market share of the state
behemoth, LIC, has clocked 21.87% growth in business at Rs.197.86 billion by selling
2.4 billion new policies in 2004-05. But this was still not enough to arrest the fall in its
market share, as private players grew by 129% to mop up Rs. 55.57 billion in 2004-05
from Rs. 24.29 billion in 2003-04.
Though the total volume of LIC's business increased in the last fiscal year (2004-
2005) compared to the previous one, its market share came down from 87.04 to
78.07%. The 14 private insurers increased their market share from about 13% to about
22% in a year's time.
The figures for the first two months of the fiscal year 2005-06 also speak of the
growing share of the private insurers. The share of LIC for this period has further
come down to 75 percent, while 24 privates. There are presently 12 general insurance
companies with four public sector companies and eight private insurers. According to
estimates, private insurance companies collectively have a 10% share of the non-life
insurance market.
Though the focus of this market research report is on the potential growth on the
Indian Insurance Sector, it also talks about the market size, market segmentation, and
key developments in the market after 1999. The report gives an instant overview of
the Indian non-life insurance market, and covers fire, marine, and other non-life
insurance. The data is supplied in both graphical and tabular format for ease of
interpretation and analysis. This report also provides company profiles of the major
private insurance companies.
 1.2 Organization Profile:

“Reliance Money LTD”

Vision:
To achieve and sustain market leadership, Reliance Money shall aim for complete customer
satisfaction, by combining its human and technological resources, to provide world class
quality services. In the process reliance money shall strive to meet and exceed customers
satisfaction and set Industry standards
Mission:
Our mission is to be a leading and preferred service provider to our customers, and we aim
to achieve this leadership position by building an innovation, enterprising, and technology
driven organization which will set the highest standards of service and business ethic

About Reliance Money:

 Reliance Money is a part of the Reliance Anil Dhirubhai Ambani Group and is
promoted by Reliance capital
 Reliance Money is a third-pa rt y distribution business of reliance capital, branded as
“Reliance Money” is a comprehensive financial services and solutions provider.
 Reliance Capital limited is a financial service, it is registered with the RBI under
section 45-IA of the RBI act ,1934 as a public limited company in 1986
 It is Headed by Anil Ambani
 Reliance capital ranks among the top 3 private sector financial services and banking
companies, in terms of net worth
 Reliance capital has a net worth of over 33 billion (Rupee) and over 165000
shareholders

Products of Reliance Money:

 Reliance Mutual Funds
 Demat Account Services and Trading
 Reliance Life Insurance
 Reliance General Insurance
RELIANCE MUTUAL FUNDS

Objective:
 To carry on the activity of a Mutual Fund as may be permitted at law and formulate
and devise various collective schemes of savings and investments for people in India
and abroad and also ensure liquidity of investments for the unit holders
 To deploy funds thus raised so as to help the unit holders earn reasonable returns on
their savings and to take such steps as may be necessary from time to time to realize
the effects without any limitation

Types of Reliance Mutual Funds:

 Reliance Growth Fund
 Reliance Vision Fund
 Reliance Banking Fund
 Reliance Diversified Power Sector Fund
 Reliance Pharma Fund
 Reliance Media & Entertainment Fund
 Reliance NRI Equity Fund
 Reliance NRI Opportunities Fund
 Reliance Index Fund
 Reliance Tax Saver Fund
 Reliance Equity Fund
 Reliance Long Term Equity Fund
 Reliance Regular Saving Fund
 Reliance Natural Resources Fund
 Reliance Infrastructure Fund
Advantages of Reliance Mutual Funds:
 Diversification
 Professional Management
 Regulatory Oversight
 Liquidity
 Convenience
Disadvantages of Reliance Mutual Funds:
 No Guarantees
 Fees and commissions
 Taxes
 Management Risk
Competitor:
 State bank of India mutual funds
 LIC mutual funds
 Tata mutual funds
 HSBC Mutual Funds
 HDFC Mutual Funds
 Chola Mutual Funds

RELIANCE DEMAT ACCOUNT SERVICES AND TRADING

What is Demat Account?

 Demat Account –Dematerialized Account
 It is a type of banking account which holds shares in electronic format
 Any person holding a Demat account should possess a PAN card
Trading:
Buying and selling securities or commodities on a short –term basis, hoping to make
quick profit. In Reliance we have
 Equities Trading
 Equities Derivatives Trading
 Currency Derivatives Trading
 Commodity Trading
 Trading Platforms:
1. Easy Trade
2. Insta Plus
3. Insta Xpress-Live streaming quotes: is an exe based, high speed trading tool
4. R mobile Xpress (Mobile Trading): is a smart mobile trading application that allows
you to be in touch with market anytime and anywhere during market hours at your
finger tips
1.3 Objective of study:
The main object of this project is to
 Identify the target customers
 Detail study of the products in reliance money

1.4 Methodology

In dealing with any real-life problem, it is often found that data at hand is
adequate, Hence it becomes necessary to collect data rather appropriate.
There are several ways of collecting data while doing the project or any survey. In this
Project, I have collected from two sources that are:
1. Primary sources
2. Secondary sources

Primary source:

Gathered information about our project from the interaction with the customers of few
Companies. The sampling method used was basically. For validate the study,
questionnaires were prepared and distributed to customers to find their perseverance.
Secondary Source:
The secondary data were collected from the various websites of insurance company, various journals,
magazines etc. For better knowledge on web link and online service study Has made through various
web sites for gathering data and their convenience.
Spoken with Inactive Clients:

They first task assigned was to interact with inactive clients through mobile (who has
Opened account but still do not start trading yet) to find the reason why they are
Inactive for many days, suggestion for rectification. It was a great experience to spoke
with them and got relevant data, they respond well and given response whatever
asked.

Pamphlets Highlight:
We not given broacher or pamphlets to all people (walk-in), got an idea about the speech
given by one business person in our college, she is doing event management, so I told my
relationship manager we should not pamphlets to everyone, will focus on specific who has
ability to under, buy and desire to the product.
Observation:
1) If we do in the peak time like office starts time, it’s hard to get response from the
people, many of them running back of time
2) Who are busy in phone, do not give response
3) Homemakers do not mind it (occasionally)
4) Some people not at all listen to us, they given reason as they facing loss in already
bought plan.
1.5 Method of Analysis
Steps of Research Design

Define the information needed: -This first step states that what the information that is
actually required is. Information in this case we require is that what is the approach of
investors while investing their money in various financial products e.g. what do they
consider while deciding their investment pattern. So, the information sought and
information generated is only possible after defining the information needed.

Design the research: - A research design is a framework or blueprint for conducting

the research project. It details the procedures necessary for obtaining the information needed
to solve research problems. In this project, the research design is descriptive in nature.

Construct and pre-test a questionnaire: -A questionnaire is a formalized set of questions for

obtaining information from respondents. Whereas pretesting refers to the testing of the
questionnaire on a small sample of respondents in order to identify and eliminate potential
problems.

Sample selection and size

Sample size: The study involves 50 respondents.

Sampling Technique: The sample size has been taken by non-random convenience
sampling technique.

Data collection: Data has been collected from primary described below:

Primary Source: Primary data was collected through questionnaire filled by the
respondents.
Technique for Data Analysis: Analysis of data is planned with the help of pie charts and
Bar Graphs.
Limitations:

No study is free from limitations. The limitations of the study can be:-

Sample size taken is small and may not sufficient to predict the result with 100% accuracy.

Some respondents were not willing to reveal entire information asked in the questionnaire.

This study only covered the area of AGRA and is not applicable to other areas.

CHAPTER -2

INTEGRATED PERSPECTIVE VIEW OF ALL

FUNCTIONAL AREA IN ORGANISATION

The major functional area in the reliance money are finance, Marketing, Human resources
and Operation.

HUMAN RESOURCES

In simple sense, human resources management means employing people, developing their
resources, utilizing, maintaining and compensating their services in tune with the job and
organizational requirements with a view to contribute to the goals of the organization,
individual and the society.
Recruitment: It is the process of searching for prospective employees and stimulating them
to apply for jobs in an organization. It deals with:

 Identification of existing sources of applicants and developing them.

 Creation/identification of new sources of applicants.

 Stimulating the candidates to apply for jobs in the organization.

 Striking a balance between internal and external sources.

Traditional Sources of Recruitment

The sources of recruitment are broadly divided into internal sources and external

sources. Internal sources are the sources within organizational pursuits. External

sources are sources outside organizational pursuits.

Internal Sources: Internal sources include: (i) Present permanent employees, (ii) Present
temporary/casual employees.

(i) Present Permanent Employees: Organizations consider the candidates from this
source for higher level jobs due to: availability of most suitable candidates for jobs
relatively or equally to the external source, to meet the trade union demands and due
to the policy of the organization to motivate the present employees.

(ii) Present Temporary or Casual Employees: Organizations find this source to fill
the vacancies relatively at the lower level owing to the availability of suitable
candidates or trade union pressures or in order to motivate them on the present job.

External Sources: External sources are those sources which are outside the
organizational pursuits

(i) Campus Recruitment: Different types of organizations like industries, business

firms, service organizations, social or religious organizations can get inexperienced
candidates of different types from various educational institutions like colleges and
universities imparting education in Science, Commerce, Arts, Engineering and
Technology, Agriculture, Medicine, Management Studies etc., and trained candidates in
different disciplines like vocational, engineering, medicine from the training institutes like
Vocational training Institutes of State Governments in various trades, National Industrial
Training Institutes for Engineers etc.

(ii) Private Employment Agencies/Consultants: Public employment agencies or

consultants like ABC Consultants in India perform recruitment functions on behalf of

a client company by charging fees. Line managers are relieved from recruitment
functions so that they can concentrate on their operational activities and recruitment
functions are entrusted to a private agency, or consultants. But due to limitations of
high cost, ineffectiveness in performance, confidential nature of this functions
managements sometimes do not depend on this source. However, these agencies
function effectively in the recruitment of executives.

Hence, they are also called executive search agencies. Most of organizations depend
on this source for highly specialized positions and executive positions.

(iii) Public Employment Exchanges: The Government set-up Public Employment

Exchanges in the country to provide information about vacancies to the candidates and
to help the organizations in finding out suitable candidates. The Employment
Exchange (Compulsory Notification or Vacancies) Act. 1959 makes it obligatory for
public sector and private sector enterprises in India to fill certain types of vacancies
through public employment exchanges. These industries have to depend on public
employment exchanges for the specified vacancies.

Modern Sources of Recruitment

A number of modern recruitment sources are being used by the corporate sector in

addition to traditional sources. These sources, are divided into internal and external.
Internal source includes employee referrals
Employee Referrals:
Present employees are well aware of the qualifications, attitudes, experience and emotions of their friends
and relatives. They are also aware of the job requirements and organizational culture of their company.
As such, they can make preliminary judgement regarding the match between the job and their friends or
relatives.
Hence, the HR managers of the company depend on the present employees for reference of the candidates
for various jobs. This source reduces the cost and time required for recruitment. Further this source
enhances the effectiveness of recruitment.
MARKETING SECTOR

Reliance money is very active in promoting the sales of RELIANCE MY GOLD PLAN (RMGP), During
internship also we done sales of RMGP. This plan was most successful and well sold plan in reliance.
They done marketing of this plan in media and advertising. The features of the plan are explained below:

What is it?

Reliance My Gold Plan (RMGP) is a new product launched by Reliance Money Precious
Metals Pvt. Ltd, a Reliance Capital company, and World Gold Council that allows investors
to buy physical gold in paper form without using a demat account, which is normally
required to invest in gold exchange-traded funds (ETFs), another way to buy gold in paper
form.

How does it work?

You have to invest a predetermined amount every month. The minimum tenor is one year and the
maximum 15. Gold will be bought through a daily averaging process. So from the day your investment
starts, gold will be bought in 20 equal lots (total spend equals your instalment) spread across the next 20
business days and the accumulated grams will be credited to your account.

The gold grams will be 24 carat and of 995 fineness. You can start with a monthly subscription of
Rs.1,000 and thereafter in multiples of Rs.500. Though you can’t change your monthly subscription over
the tenor of the product, you can put in additional amounts starting with a minimum of Rs.1,000. There is
a lock-in period of six months after which you can claim gold in the form of coins or jewelry, but
premature termination charges may apply. Also, you can make this transaction online and payment can be
done only through ECS or direct debit.
 To start the investment, you need to provide a passport photograph, identity and
address proofs. Permanent account number card is not required unless the monthly
subscription is above Rs.50,000 or the accumulated sum in your account exceeds Rs.5
lakh

FINANCE SECTOR

The finance sector mainly deals with the three markets:

Stock market

A stock market or equity market is a public entity (a loose network of economic transactions, not a
physical facility or discrete entity) for the trading of company stock and derivatives at an agreed price;
these are securities listed on a stock exchange as well as those only traded privately.
Equity market

The market in which shares are issued and traded, either through exchanges or over-the-counter markets.
Also known as the stock market, it is one of the most vital areas of a market economy because it gives
companies access to capital and investors a slice of ownership in a company with the potential to
realize gains based on its future performance.

Commodity market

Commodity market refers to physical or virtual transactions of buying and selling

involving raw or primary commodities. A soft commodity generally refers to

commodities harvested as products like wheat, coffee, cocoa, sugar, corn, wheat,

soybean, and fruit traded in the commodity market. Hard commodities usually refer to

commodities that are extracted such as (gold, rubber, oil).

Currency market

Forex Trading is the direct buying and selling of currencies in the market. Its trading at the
spot price.

Futures Contract:

A futures contract is an agreement to buy or sell an asset at a certain time in the

future at a specific price. The Contractual terms of the futures contracts are very
clear. The Futures market was designed to solve the shortcomings in the forwards

contracts. Unlike forwards, futures are traded in organized exchanges. They also use

a clearing house that provides the necessary protection to both the buyer and the

seller. The price of the futures contract can change prior to delivery. Hence, both

participants must settle daily price changes as per the contract values. An Example

of a futures contract would be an agreement to 100 tons of Steel at Rs. 10000/- per

ton at some date say in December 2008. If no interim payments are made and if the

price of Steel moves violently, a considerable credit risk could build up. To avoid

this a margin system is used by the exchanges. As per the margin system, both

parties must deposit a small sum with the exchange. This amount will be a small

percentage of the total contract. This amount is called the initial margin. As the steel

value changes, the contract value also changes. If the contract value changes, the

margin must be topped up by an amount corresponding to the change in price of

steel.
Options Contract:

An options contract is nothing but the right to buy or sell something at a specified
price within a period of time. The feature of the options contract for a buyer is that,
the buyer has the right to buy, but he may choose to buy or may even choose to cancel
the contract. Hence the buyer’s maximum loss is 30 only the initial amount that was
paid to gain the rights. Unlike buyers, the options contracts for sellers is an obligation.
If a seller enters into an agreement, he has to deliver the asset on the specified date
and the price agreed upon. Thus, the loss for a seller could be much worse. The right
to buy is called a "CALL" option while the right to sell is called a

"PUT" option. Please note that an option is only a right to do something. It is not an
obligation to carry out the action. For a buyer it is only a right and not an obligation,
but for a seller it is an obligation. For Example, you want to buy Gold. You form an
options contract with a gold merchant to buy 1000 grams of Gold at the rate of say
Rs. 1000/- per gram of gold on December 1st 2008. The total value of the contract
would

sum up to 10,00,000/- (10 lacs) As part of getting into the contract you make

an initial payment of say 2% of the contract value to the merchant. You make

a payment of Rs. 20 thousand (Rs. 20,000/-) and the contract gets formed
OPERATION SECTOR

Demat Account:
In India, shares and securities are held electronically in a Dematerialized (or "Demat")
account, instead of the investor taking physical possession of certificates. A
Dematerialized account is opened by the investor while registering with an investment
broker (or sub broker). The Dematerialized account number is quoted for all
transactions to enable electronic settlements of trades to take place. Every shareholder
will have a Dematerialized account for the purpose of transacting shares. Order can be
placed in secondary market through online and offline mode.

There are two types of Deposit participant:

1) National Security Depository Limited (NSDL): NSDL, the first and largest
depository in India, established in August 1996 and promoted by institutions of
national stature responsible for economic development of the country has since
established a national infrastructure of international standards that handles most of the
securities held and settled in dematerialized form in the Indian capital market.

2) Central Depository Security Limited (CDSL): Central Depository Services

Limited (CDSL), is the second Indian central securities depository based in Mumbai.
Its main function is the holding securities either in certificated or un certificated
(dematerialized) form, to enable book entry transfer of securities. Demat Account
Number will be 16 digits

NDSL

IN300441(8 digits) 30596723(8 digits)

This tells which account Clients ID

CSDL

13300441(8 digits) 30596723(8 digits)

This tells which acc (Reliance) Clients ID

Who can open a Demat account?

Just as you have to open an account with a bank if you want to save your money,

make cheque payments etc, you need to open a demat account if you want to buy

or sell the stocks.

So, it is just like a bank account where actual money is replaced by shares.

You have to approach the DPs (remember, they are like bank branches), to open

your demat account.

Documentation Required:

 PAN card

 Voter's ID

 Passport32

 Ration card

 Driver's license

 Photo credit card

 Employee ID card

 Bank attestation

 IT returns

 Electricity/ Landline phone bill

Internal security identification Number (ISDN) will be provided for the account
holder, the charge required to open account is Rs200 +Rs 20(service tax)=Rs220.

Nomination

This is to enable the nominee to receive the securities after the death of the holder of
the demat account. Nominee must be blood related. NSDL: Photo and Signature
needed from nominee
 CHAPTER 3

DATA ANALYSIS
The process of evaluating data using analytical and logical reasoning to examine each
component of the data provided. This form of analysis is just one of the many steps
that must be completed when conducting a research experiment. Data from various
sources is gathered, reviewed, and then analyzed to form some sort of finding or
conclusion. There are a variety of specific data analysis method, some of which

include data mining, text analytics, business intelligence, and data visualizations Data
can be of several types.

 Quantitative data is a number

Qualitative data is a pass/fail or the presence of a characteristic Quantitative data is data

measured or identified on a numerical scale. Numerical data can be analyzed using
statistical methods, and results can be displayed using tables, charts, histograms and graphs.
The term qualitative data is used to describe certain types of information. This is almost the
converse of quantitative data, in which items are more precisely described as data in terms
of quantity and in which numerical values are used. However, data originally obtained as
qualitative information about individual items may give rise to quantitative data if they are
summarized by means of counts. Qualitative data described items in terms of some quality
or categorization that may be 'informal' or may use relatively ill-defined characteristics such
as warmth and flavor. However, qualitative data can include well-defined aspects such as
gender, nationality or commodity type.
Table 1

Table for the respondent’s age group

No Age Group No of respondents Percentage

1 Below 20 10 10%

1. 21-40 25 25%

2. 41-60 15 15%

3. Above 60 10 10%
 25

20

15 Below 20 21‐
40
10 41‐60
above 60
5

0
No of response

INTERPRETATION:
From the above questionnaire 21-40 age group of people where investing
in policies. Therefore the target marketing for policies attracts the age group of
21-40.

Table2
Table for the respondent’s gender

No Opinion No of respondents Percentage

1. Male 35 35%

2. Female 15 15%
 35
30
25
20 Male Female
15
10
5
0
No of respondents

INTERPRETATION:

From tha above questionnaire males where investing more when

compared with females.
Table 3

Table for the respondent’s Occupation:

No Occupation No of respondents Percentage

1 Government Employee 5 5%
 2. Business 30 30%

3. Private employee 10 10%

4 Others 5 5%

30

25

20 government employee Business

Private emplayee
15 student

10

0
No of resp
INTERPRETATION:

From the above questionnaire 30% of the business people only investing more when
compared to others.Next to business people 10% of the people of provate employees where
investing and 5% of government employees and 5% of others where investing

Table4

Table for the respondent’s Family Type:

No Family Type No of respondents Percentage

1 Single 10 10%

2. Nuclear 25 25%

3. Joint 15 15%
 25

20

15 single Nuclear
Joint
10

0
no of resp

INTERPRETATION:

From the above questionnaire 25% of the people where investing more when
compared with the single and joint.

Table 5

Table for the respondent’s Family Members:

No Members No of respondents Percentage

1 Less than 2 10 10%

2. 3 – 5 members 30 30%

3. 6 – 8 members 7 7%

4 Above 8 members 3 3%
 30

25

20 Less than 2 3‐5 members 6‐8 members

Above 8 members
15

10

0
No of resp

INTERPRETATION:

From the above questionnaire 30% of people who was 3-5 members
will be investing more when compared to others.

Table 6

Monthly Income

No Monthly Income No of respondents Percentage

1 Less than 25,000 rupees 10 10%

2. 26, 000 – 50,000 rupees 25 25%

3. 51,000 – 75,000 rupees 10 10%

4 Above 75,000 rupees 5 5%

 25

20
less than 25000
15 25000 ‐50000
51000 ‐ 75000
10 above 75000

INTERPRETATION:

From the above questionnaire 25% of the people whose income was 26000-

50000 will be investing more for policies

Table 7

Are you aware of Mutual fund, Life insurance, Trading Policies

No Opinion No of respondents Percentage

1. Yes 40 40%

2. No 10 10%
 40
35
30
25 yes no
20
15
10
5
0

INTERPRETATION:

From the above questionnaire 40% of the people were aware of Mutual
fund, Life insurance, Trading Policies. Remaining 10% of the people were not aware
of Mutual fund, Life insurance, Trading Policies

Table 8

Have you Invested in any of these

No Investment Prodects No of respondents Percentage

1 Mutual funds 5 5%

2. Life Insurance 10 10%

3. Trading 25 25%

4 Gold plans 10 10%

 25

20
MUTUAL FUNDS LIFE INSURANCE TRADING
15 GOLD PLANS

10

INTERPRETATION:

From the above questionnaire 25% of the people were invested in

trading and 10% of them are life insurance and old plans and at last 5% of them are
only invested in mutual funds.

Table 9

Where you have invested

No Company name No of respondents Percentage

1 State bank of India 5 10%

2. ICICI 10 10%

3. Reliance Money 30 25%

 4 others 5 5%

30

25

20 SBI ICICI
RELIANCE MONE
15 OTHERS

10

INTERPRETATION:

From the above questionnaire 25% of the people where invested their money in
reliance and next to that 20% of them where in state bank & icici and 5% of them are
invested in others.

Table 10

Investment period

No Investment Period No of respondents Percentage

1 Monthly 15 15%

2. Quarterly 10 10%
3. Half yearly 5 5%

4 Yearly 20 20%

20
18
16
14
MONTHLY QUARTE
12 YEARLY
10
8
6
4
2
0

INTERPRETATION:

From the above questionnaire 20% of the people where invested in

yearly basis format.15% of them where invested in monthly basis.10% of them were
invested for half yearly and remaining 5% of them where invested for half yearly.

Table 11:

Are you customer of reliance money

No Opinion No of respondents Percentage

1. Yes 30 30%

2. No 20 20%

30

25

20
YES NO
15

10

INTERPRETATION:

From the above questionnaire 30% of the customers where preferred to reliance
when compared to others.

Table 12

How you were aware of reliance money

No Company name No of respondents Percentage

1 Tv add 10 10%

2. News papers 15 15%

3. friends 20 20%

4 others 5 5%

20
18
16
14
TV ADD NEWS PAPER FRIENDS
12 OTHERS
10
8
6
4
2
0

INTERPRETATION:

From the above questionnaire 20% of the people were aware of reliance
money by knowing only with their friends.15% of the people were aware of reliance
money by watching Newspaper.10% of the people were aware of reliance money by
watching Tv advertisement and 5% were knowing about this by others.
Table 13

Reason for choosing Reliance Money

No Reasons No of respondents Percentage

1 safety and security 10 10%

2. customer care 25 25%

3. Brand Image 10 10%

4 Others 10 10%

25

20
SAFETY AND SECURITY CUSTOMER CARE BAND IMAGE
15 OTHERS

10

INTERPRETATION:

From the above questionnaire 25% customers were choosing reliance

money for customer care.10% of them were choosing for safety and security.10% of
them were choosing for brand image and 5% were choosing for some other reasons.
FINDINGS
4.1 -FINDINGS:
1. From the above questionnaire I have found that most of the people are interested to
invested in share market.

2. From the above questionnaire I have found that 80% of the people are having demat
account.

3. From the above questionnaire I have found that 65% of people are interested in online
trading.

4. From the above questionnaire I have found that 75% of the people are having demat
account in Reliance securities.

5. From the above questionnaire I have found that 45% of the people were aware of medium
risk/medium return.

6. From the above questionnaire I have found that 57% of the people were aware of daily
trading.

7. From the above questionnaire I have found that 80% of the people were interested
in activating their old demat account for trading.

8. From the above questionnaire I have found that 62% of the people are more experienced
and they are trading excellent
 SUGGESTIONS
4.1 SUGGESTIONS:
1. From the above questionnaire I have found that most of the people were not interested in
mutual funds so we have to create awareness amount mutual funds among people.

2. From the above questionnaire 65% of people are doing online trading so we have to create
awareness among the people and encourage them for online trading.

3. We have to advertise more about reliance securities then only demat account opening in
reliance securities will increase.

4. From the above questionnaire many people have less knowledge about share market so we
have to teach them then only they will do risk free trading.

5. We have to educate the people about stock market then only they will learn to reduce loss
and they will gain more profit.
CONCLUSION

5.1 CONCLUSION
This is the final and most important stage of the entire project. The main objective of my
project ends with this stage. This part will indicate how Reliance Demat Account is better
than other Demat account.

• Reliance Money Ltd. keeps its process more transparent.

• Reliance Money Ltd. is giving more returns to its investors.

• Reliance Money charges are less than other stock brokers.

• Reliance Money is providing daily updates about the stocks

information.

• Investors are looking for those investment options where they get
maximum returns with less costs.

• Market is becoming complex & it means that the individual

investor will not have the time to play stock game on his own.

• Reliance Money Ltd. has better Portfolio Management services

than Other Companies
 QUESTIONNAIRE

ANALYSIS OF TARGET MARKETING IN RELIANCE MONEY

1) Name :

2) Address:

3) Age:

a) Below 20 years

b) 21 – 40 years

c) 41 – 60 years

d) Above 60 years

4) Gender:
a) Male
b) Female
5) Occupation:
a) Government Employee
b) Business
c) Private employee
d) Others
6) Family type:

a) Single

b) Nuclear Family

c) Joint Family

7) Family size:

a)Less than 2

b) 3 – 5 members

c) 6 – 8 members

d) Above 8 members

Monthly income:

a) Less than 25,000 rupees

b) 26, 000 – 50,000 rupees

c) 51,000 – 75,000 rupees

d) Above 75,000 rupees

9) Are you aware of Mutual fund, Life insurance, Trading Policies?

a)
Yes
b)No
10)Have you Invested in any of these

a) Mutual funds
b) Life insurance
c) Trading

11) Where you have invested?

a) State Bank of India

b) ICICI

c) Reliance Money

d) others

12) Your preference of investment period

a) Monthly
b) Quarterly
c)Half yearly
d)Yearly

13) Are you a customer of reliance money

a) Yes

b) No

14) How you were aware of the reliance money

a) Tv Advertisement

b) Paper Notifications

c) Friends
 d) others
15) Reason for choosing Reliance Money

a) safety and security

b) customer care

c) Band Image

d) others

16) Will you advice others to take Reliance investment plans

a) yes

b) no

17) If yes why?

a) safety and security

b) good return

c) others

18) If no, why?

a) not worth recommending

b) let others take their own decision

c) it’s not my job

19 Your valuable suggestions ?