MINI PROJECT REPORT

ON

GROW WITH US
ASSETS MANAGEMENT CO. PVT. LTD.

SUBMITTED TO DR. A.P.J. ABDUL KALAM TECHNICAL UNIVERSITY LUCKNOW

IN THE PARTIAL FULFILLMENT OF THE REQUIREMENT FOR THE AWARD OF
THE DEGREE OF

MASTER OF BUSINESS ADMINISTRATION (MBA)

Under the guidance of: SUBMITTED BY:

MS. SWATI PANDEY KRISHNA KUMAR
MBA I Semester

Agra Public College of Technology & Management, Agra

Affiliated to Dr. A.P.J. Abdul Kalam Technical University, Lucknow
 Agra Public College of Technology & Management, Agra
ARTONI, AGRA (U.P.)
(Affiliated To Dr. A.P. J. Abdul Kalam Technical University, Lucknow)

CERTIFICATE
This is to certify that the research project report title “GROW WITH US”
ASSETS MANAGEMENT CO. PVT. LTD. submitted by “VAISHNAVI
AGNIHOTRI” in the partial fulfillment of the requirement of Master of Business
Administration Degree (Batch 2023-2025) as per the requirement of the MBA
curriculum from DR. A.P.J. Abdul Kalam Technical University, Lucknow
embodies the bonafide work done by him/her under my supervision.

MR. SUNIL GARG MS. SWATI PANDEY

Head Department of Management M.B.A. Co-coordinator
 DECLARATION

I, VAISHNAVI AGNIHOTRI student of MBA-I Semester from Agra

Public College of Technology & Management, Agra, affiliated to Dr.
A.P.J. Abdul Kalam Technical University, Lucknow hereby declare
that all the information, facts and figures presented in this report are
first hand in nature. They are in fact based on my project titled
“GROW WITH US” ASSETS MANAGEMENT CO. PVT. LTD.
The project work was not earlier submitted elsewhere for the award
of any degree, diploma or equivalent.

KRISHNA KUMAR
MBA-I Semester
 ACKNOWLEDGEMENTS

This is a great opportunity to acknowledge and to thanks all those persons

without whose support and help this project would have been impossible.
We would like to add a few heartful words for the people who were part of
this project in numerous ways.

I thanks Director Sir for his indispensible support and encouragement

though the project.

I would like to thanks to my project guide for his indefatigable guidance,

valuable suggestion, moral support, constant encouragement and
contribution of time for the successful completion of project work. I am
very grateful to him for providing all the facilities needed during the
project development.

I thank my counselor for their indispensable support and encouragement

though the project. I would like to thank project guide & all those who
helped me directly or indirectly.

KRISHNA KUMAR
MBA-I Semester
 Table of content
1. INTRODUCTION 1 – 3
i. What is Assets Management Company? 1
ii. Assets Management Company Roadmap 2
iii. Scope and Understanding of A.M.C. 2
iv. Project Deliverables 3
2. CHALLENGES THAT WE CAN FACE 4 – 9
i. Importance of Grow with us co. 4
ii. Objective of Grow with us co. 5
iii. Need of Grow with us co. 6
iv. Source of idea for start Grow with us co. 7
3. STRATEGIES & COMPETITOR ANALYSIS 8 – 11
i. Uses of Grow with us co. 8
ii. Competitors analysis 9
iii. SWOT Analysis 10
iv. Strategies 11
4. MARKET ANALYSIS 12 – 13
i. Market research 12
ii. Target Market for Grow with us co. 13
5. PORTFOLIO & PLANNINGS OF “GROW WITH US” 14 – 18
i. Improvement Plans 14
ii. Assets Management Types 15
iii. Innovation Planning for “Grow with us” 18
6. BIBLIOGRAPHY 22
INTRODUCTION:
1.1 What is Grow with us co.:
“Grow with us” Asset Management Company is a firm that invests pooled funds
from clients, putting the capital to work through different investments including
stocks, bonds, real estate, master limited partnerships, and more. Along with high-net-
worth individual (HNWI) portfolios, AMCs manage hedge funds and pension plans, and
—to better serve smaller investors—create pooled structures such as mutual funds,
index funds, or exchange-traded funds (ETFs), which they can manage in a single
centralized portfolio.

“Grow with us” Assets management co. is a institution that collect the financial
assets of persons, interested entities and clients and direct these assets towards where
they are required. They invest in stocks, bonds, real estate, government securities and
private equity etc. and often provide high returns to the investors an AMC pooled these
resources from. Grow with us also manage hedge funds and mutual funds by virtue of a
centralized portfolio to better serve small investors.

Key Points of “Grow with us co.”

Grow with us co. provide the better solution to the client’s for invest their
capital in the market and earn high rate of interest.

Grow with us co. manage private and public assets and charge fees in calculating
a percentage of the client’s total assets under management criteria.

Grow with us co. is the practice of increasing total wealth overtime by acquiring,
maintaining and trading investments that have the potential to grow in value.

Grow with us co. assets management professionals perform this service for
others. They may also be called portfolio managers or financial advisors.

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1.2 Grow with us co. Roadmap

A Roadmap in its simplest form is

something that helps to guide you on a particular path
or journey. Asset management as it applies to any
organization is a business model that provides Roadmaps are
tangible ways to demonstrate: mechanisms enabling
local governments to
 Good Asset Ownership visualize the services they
 Effective Management of Assets and Services
provide and the physical
 Responsible Stewardship, and progress toward
 Long Term Sustainability assets needed to deliver
the services, the
Grow with us Asset Management starts with a relationships between
collation and integration of existing management
these; and the skills,
systems and data, but it does not stop there. It goes
much further, building on existing processes and tools, technologies,
complementing and advancing current practice competencies and
through a process of on-going review and capacities needed to
improvement actions. Thus an Asset Management meet current and future
Roadmap represents a pathway guide to better
service requirements.
business and service delivery.

1.3 Scope and Understanding of Grow with us co.

The project required that a balance be found between.

Delivering a customized outcome to meet the needs of each of the four

participating communities.

Delivering a generic asset management tool useful to any local government

in BC

Maintaining simplicity of approach that would encourage even the smallest

community to start implementing key asset management practices.

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1.4 Project Deliverables
The outcomes of completing the project include:

 An Asset Management Roadmap tool consisting of:

Roadmap Diagram providing and overview and check sheet of key asset
management practices

Roadmap Information Sheets providing general details for implementing

17 basic asset management practice modules. Each sheet includes
information on

Asset Management Services to each of the participating local governments:

Status of Asset Management review

 Gap Assessment between current and basic level asset
management practice
 Asset Management Strategy and advice
 List of key actions for an Asset Management Improvement Plan.
Provision of a comprehensive document that reports all aspects and
outcomes of the project. The project document is comprised of the
following three parts.
 Project Report
 Asset Management Roadmap Guide
 Roadmap Case Study Reports (four documents)

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2. CHALLENGES THAT WE CAN FACE
2.1 Importance of Grow with us co.

Many businesses realize how much they have to lose in terms of productivity if
they don’t update how they track and manage their assets. Asset management is more
than counting pieces of equipment and typing them into an Excel spread-sheet.
Knowing more in-depth and detailed data about an asset’s value over its entire lifecycle
is helping companies of all sizes save money spent per asset and enables companies to
get the most out of each asset.

By knowing exactly where your assets are at all times, who has them, and their
condition, you eliminate costly problems and instances of duplicate purchases or last-
minute maintenance needs. And having that data available to employees 24/7, no
matter where they physically are, enhances accountability and efficiency in keeping
track of valuable company assets
1. Enables a firm to account for all of its assets

The process makes it easy for organizations to keep track of their assets, whether
liquid or fixed. Firm owners will know where assets are located, how they are being put
to use, and whether there have been changes made to them. Consequently, the recovery
of assets can be done more efficiently, hence, leading to higher returns.

2. Helps guarantee the accuracy of amortization rates

Since assets are checked on a regular basis, the process of asset management
ensures that the financial statements record them properly.

3. Helps identify and manage risks

Asset management encompasses the identification and management of risks that

arise from the utilization and ownership of certain assets. It means that a firm will
always be prepared to manage any risk that comes its way.

4. Removes ghost assets in the company’s inventory

Instances exist where lost, damaged, or stolen assets are erroneously recorded
on the books. With a strategic asset management plan, the firm’s owners will be aware
of the assets that have been lost and will eliminate them in the books.

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2.2 Objective of grow with us co.
“GROW WITH US” Asset management Co. Pvt. Ltd.
objectives are the long-term goals that affect an organisation’s
asset management system or activity. ISO 55000 defines asset
management objectives as the results an organisation’s asset
management system should deliver. The goals can either be
qualitative or quantitative. Some of the most common types of
asset management objectives include:

1. Economic objectives
These goals aim to achieve improved financial performance, fiscal stability and
safeguard the organisation’s investment. External aspects like inflation and internal
factors like staff efficiency can affect your organisation’s economic goals. The goals help
you invest in quality infrastructure and optimise the lifecycle costs of your assets.

Some of the advantages of economic objectives include:

1. A Higher resale value of assets
2. Efficient use of resources
3. Reduced cost of operating the business

2. Social goals
These objectives relate to community and cultural factors like population
growth, age and gender distribution, and staff attitudes. For instance, you can develop
a goal to create a succession plan for retirees within your organisation. This helps to
establish a mind-set of sustainability while protecting the community and the
organisation’s property.

3. Technological objectives
These goals aim at maximising the full potential of technological resources like
software or hardware to improve an organisation’s effectiveness and efficiency. For
example, you can develop a plan to equip your staff with the state of the art technology
by investing in asset management software or establishing a database for asset records.

4. Environmental goals
Environmental objectives aim at reducing your organisation’s impact on the
environment. For example, you can create a goal to prevent assets like vehicles from
polluting onsite water sources. Examples of environmental asset management
objectives include:

 To reduce dependence on fossil fuels

 Maintaining a healthy ecosystem
 Reducing energy consumption
 Eliminating carbon emission

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 2.3 NEED OF GROW WITH US CO.
1. Improve efficiency and identify waste
Asset management goals should focus on
ensuring that each asset is being utilized to its full
potential. An asset that is overproducing or one asset
that is lying idle are both harmful for your business.
One is deteriorating quickly and the other is consuming
storage and maintenance costs while not providing
output.

For example, an aging machine can cause your business

more harm than good. Where it might be losing its
productive efficiency, it will also demand more money
in fuel and maintenance than a new machine would.
Therefore, knowing when to replace a piece of
equipment is essential in boosting efficiency and saving
2. Maximize the utility of your assets
Your asset management goals should be geared towards attaining the maximum
return on investment. Companies often need to outsource their equipment needs due
to a lack of visibility into what assets are available at what location. They may spend
large sums of money renting or even buying equipment which may already be available
in house.
An asset tracking software enables you to gain complete visibility into your assets
so you can know what equipment is available at what location, warehouse, and down to
a single shelf. This ensures you maximize the utility of in-house equipment, and save
money on unnecessary purchases or rentals. Maximum output from your assets
ensures growth and a positive return on your investment.
3. Ensure timely maintenance and
Lifecycle management
Maximizing ROI and managing the lifecycle of your
equipment should be at the forefront of your goals. Well-
maintained assets have a prolonged lifespan, saving you from
replacement costs and expensive reactive repairs. Conversely,
poorly maintained items can not only cost you thousands of
dollars in downtime cost but also put your teams at risk for
injury. Also, it is important to note that assets have a finite
useful life and the decline in their usefulness needs to be
recorded. An asset tracking system lets you know the value of
your asset at any given time by performing depreciation
calculations accurately.

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2.4 Source of idea to start Grow with us co.
1. Financial literacy:
It is very important source of idea to start Grow with us co. because a
strong foundation of financial literacy can help support various life goals, such as saving
for education or retirement, using debt responsibly and running a business. Key aspects
to financial literacy include knowing how and where to invest money, how to create
budget for personal spending and saving money for investment, plan for retirement
and track personal spending.
FINANCIAL AWARENESS

FINANCIAL KNOWLEDGE

FINANCIAL
LITERACY FINANCIAL CULTURE

MANAGING FINANCIAL RISKS

ATTITUDE TOWARDS FINANCE AND MONEY

2. Manage public and private assets regularly:

Grow with us co. start for the management of public and private assets.
Private assets management is a service that many advisory firms offer where they
provide financial service and portfolio management to individual clients. Private assets
management professionals build and investment portfolio to help their clients reach
their short and long term financial goals.

3. Money compounding value:

Grow with us co. provide the
compounding value returns to the client’s for
investment their capital in the market.
Compounding is the process in which an
asset’s earnings, from either capital gains or
interest, are invested to generate additional
earnings over-time.

7
3. STRATEGIES AND MARKET ANALYSIS
3.1 Uses of “Grow with us co.”
Keeping track of the assets of the company is an important task that can save
companies money and time. Asset Management is the process of maximizing the assets
of the best returns to stakeholders. More often than not, it involves assets recovery as
well, businesses have a wide range of assets that include fixed and liquid assets. It is
important for a business to be able to manage its assets, and use them to get the
maximum possible returns.

Allows the company to keep track of all assets. Assets management allows the
organization to keep track of all their assets. It can tell where the assets are located,
how they are used, and when changes were made to them. The data from the assets
management solution can ensure that asset recovery will lead to better returns.
Manage assets from different locations in an accurate and effective manner. The
company can easily create an inventory report that might be required by some insurers
or lease financiers.
Proper assets management can help optimize your operations that include the
planning, resources use, and in the implementation of the management program.
It brings more efficient operation. Assets management allows an organization to
understand the capabilities of its assets, and how they can be operated in the most
effective manner.
You can save money on maintenance. During the operational phase of the life cycle of
the assets, a company can face under maintenance or over maintenance problems.
Maintenance is a business expenses that can cut into the profits of the company.
Overdoing it can bring significant costs. On the other hand, under-maintenance can lead
to reduce the productivity.
The main business of an Grow with us co. is to hold and manage securities for
investment purposes, but they typically offer investors a variety of funds and
investments services, which include portfolio management, recordkeeping, custodial,
legal, accounting and tax management services.
Assets recovery is automatically reflected in an assets management system. Once
assets are scrapped or sold, the said assets will be removed from the records and books
of the business.

Allocation Monitoring
of Assets Investment

USES OF
“GROW
WITH
US CO.”
Analysis of
financial Financial
statement Advisory
Services

8
3.2 COMPETITOR ANALYSIS
A competitor analysis report is an
important part of the due diligence process for
investors, along with other considerations like
market analysis, firm performance and growth
prospects. The competitor analysis becomes
trickier when the potential acquisition
candidate has distinct businesses in two or
more markets.

Let’s dive into a few more benefits of conducting competitive analysis.

Helps you identify your services unique value proposition and what makes you
product different from the competitor’s which can inform future marketing
efforts.

Enables you to identify what your competitor is doing right. This information is
critical for staying relevant and ensuring both your product and your marketing
campaigns are outperforming industry standards.

Tells you where your competitors are falling short which helps you identify areas
of opportunities in the marketplace, and test out new, unique marketing, and test
out new, unique marketing strategies they haven’t taken advantage of.

Provide you with a benchmark against which can measure your growth.

9
3.3 S.W.O.T. Analysis

S  Investment Experience
T  Less emotional decision making
R  Tax loss harvesting
E
 Extensive land and natural resources
N
 Infrastructure facilities
G
 Effective legal system
T
 Handling large number of client’s
H
S  Innovation to keep up with new trends
 New to the market
 New resources and assets E
 Investment costs are not minimized A
 Conflict of interest K
 Slow bureaucratic processes N
 The use of internet banking depends on the availability of the internet E
 S
Can only target specific customers
S
O  Effective regulatory framework
P  Protection of investment
P
 Guaranteed remittance- Capital and Dividends
O
R  Ubiquity of digital services
T  Opportunity of standardize and integrate
U  Goal-based investing
N  Complement traditional advisors
I
 Large assets base per client / mandate
T
 Emerging markets with high potential
Y
 Increased competitive pressure
 Global economic recession T
 Client’s satisfaction H
 Dividend Yield R
 E
High fee negotiating power of client’s
A
Frequent change in policies
 T
S

10
3.4 Strategies

1. Track & enhance life cycle:

With proper maintenance, you can increase asset life! track assets life for
maintenance. It not only helps in enhancing the efficiency of machines and equipment,
but it can also increase your asset’s life. Without tracking asset life, you may suffer from
extra financial expensive via maintenance.

2. Understand asset depreciation:

It is significant for you to know the depreciation of your organization’s assets.
Know which assets are not appropriate for utilizing purpose, and crucial for you to
discover the causes. You may not realize that there are a few assets that are out-dated.

3. Preventive maintenance:
This is most popular and used practice for maintenance activity in the
organization. This activity is part of the planned maintenance activity. It is effective as it
is scheduled in advance. Its main focus is to avoid any potential problems that can
cause a problem in the future.

4. Set a quarterly, half-yearly, yearly goal:

Set your objective on a daily basis, short term, mid-term and long-term and set
the priority of work and in the sequence of work. After that certain period, top
management should review if the objective is achieved of not.

5. Grow with cloud-based technology:

When the technology is evolving you should also evolve with time. When you
keep up with the technology then it results in improved business output. Therefore, it
is good for business if you stay ahead of the curve. The asset management system
should blend with cloud-based technology that means you can gather information
about each asset anytime anywhere.

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4. Market Research
“Grow with us co.” Firm’s need to make well timed investment decisions on
behalf of their client are that will grow their portfolio. Analysis plays a pivotal role in
researching potential investment options, conducting research on opportunities and
determining when best to buy and sell assets.

Before making investment recommendations, analysts need to delve

deeper into researching a company or industry.
As an analyst your research all the company or industry data yourself relevant to
a potential investment. You may be reaching out to leading sell-side analysts for the
data and analysis or relying on senior experts in the sector to help gather the numbers
and help make sense of the data. This analysis gets much more complicated of the
company of interest has a global presence or has multiple services.

Make the market (research) work for you

It plays a very important role to determine the market research. Apart from their
financial numbers, your in-depth research also requires you to know the following
information about them and their competitors.

How much do they provide service in each market?

Which service is doing well?
What are their growth areas or segments?
How does the tie up for provide investment service.

How does an analyst utilise market research?

Market research can help you identify, evaluate and, monitor your existing and
potential investment.
You get access to in-depth insights into an industry, right up to the granular level
of service segment and pricing. You can measure the market to STUDY COMPANY AND
BRAND SHARES and explore the substitute. Complimentary and competing segments
that might impact your investments. By examining distribution channels, you can look
at the penetration of internet retailing and how it is impacting services. And finally, by
quantifying and analysing trends in the market, you can understand the reasons for the
success of a service.

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4.2 Target market for Grow with us co.
The target market audience for the AMP is potentially wide ranging with different
elements of the plan of interest to different stakeholders, as described below.

1. Employees or companies in specific industries:

If you decide to work with companies or employees in a particular sector, it is
essential to choose one with a large presence in your area. One way to do so is by
making a list of the largest employers nearby. It may be the healthcare industry,
educational institutions, or even government officers.
Once you decide which industry to work with, you will need to
familiarize yourself with their health care, benefits, and retirement plans.

2. Small business owners:

Running a business is demanding. Often small business owners have limited time
to spend on financial matters, and they neglect these issued as a result. Small business
owner’s lack of time is an opportunity for financial advisors. They can add a lot of value
to the business by providing advice and service and charge commission, brokerage and
interest etc.

3. Money in motion:
There are times when clients receive money in a windfall, such as selling a
business or receiving and inheritance. Since they usually don’t have this amount of
money to manage, they feel overwhelmed and unsure what to do with it.
Many times, individuals who come into a large sum of money react impulsive and
spend it elaborately. As a financial advisor, it is our job to advice people on intelligently
using this money. You can help them weigh their options, which may include buying a
home, opening a business, or paying off loans.

4. Families with kids:

Once couples have children, they quickly realize that they have less money to
save. Ironically, it is probably one of the most crucial times for couples to start saving if
they haven’t already. Raising a child can be expensive with the current ESTIMATE
BEING ABOUT, not including college tuition.

5. Couples with double income:

Couples without children usually have significantly fewer expenses than
families. That means they have more money to indulge in their hobbies. However,
many couples realize that they are overspending

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5. IMPROVEMENTS PLANNING FOR “GROW WITH US CO.”
5.1 Improvement Plan
An assets management improvement plan is a strategic plan that provides for
monitoring and control of the assets management improvement activities. It provides
the link between the assets management strategy and the annual operations plans and
budgets. This plan will ensure that acceptable progress is made on improving asset
management processes and procedures and that progress can be verified and
quantified. It is a straight forward plan that will ensure good assets management (and
project management) practices are applied to this very important activity. It provides a
monitoring and control mechanism to ensure the overall process stays on track (on
plan). The asset management improvement plan should ensure asset management
progresses at an acceptable pace and moves in the “right” direction that is
“improvement” is embedded in the process.

The Assets Management Improvement Process Involves:

Selecting a team and allocating responsibilities.

Defining and getting agreement on performance measures from each asset

manager in terms of quality, quantity, timing and budget.

Training relevant staff in Assets Management concepts and principles, soft

wares/systems usage, data collection and the importance of keeping information
up to date- Good Asset management Practice.

Monitoring and reporting on progress through well-defined key performance

indicators (KPI)

That is the asset management improvements plan is designed to

ensure Good Assets Management Practice is embedded into the Assets
Management implementation project and good project management
practice with adequate performance measurement is put in place.

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5.2 Assets management Types:

EQUITIES FIXED MONEY

GOVERNMENT
(STOCKS) INCOME MARKET SECURITIES
(BONDS) INSTRUMENT

1. EQUITIES:
Equities are the same as stocks, which are shares in a company. That means
if you buy stocks, you’re buying equities. You may also get “equity” when you join a new
company as an employee. That means you’re a partial owner of shares in your
company. Because equities don’t pay a fixed interest rate, they don’t offer guaranteed
income. In other words, equities inherently come with risk. If you have more questions
about equities or investing in general, a financial advisor can help you plan your
investments. Equities are simple share in the ownership offers equities, its selling
partial ownership in the company. One the other hand, when a company issues bonds,
its taking loans from buyers.

Benefits of equity

investments” Reward

Potential
Dividend Payments
Diversifications
High Returns
Protection by S.E.B.I.

2. FIXED INCOME (BONDS):

Bonds are also known as fixed income instrument are used by government
or companies to raise money by borrowing from investors. Bonds are typically issued
to raise funds for specific projects. In return, the bond issuer promises to pay back the
investment, with interest, over a certain period the time.

There are three major types of bonds are Corporate, Municipal and Treasury Bonds.

 Corporate Bonds: Corporate Bonds are debt instrument issued by a company to

raise capital for initiatives like expansion, research and development. The
interest you earn from corporate bonds is taxable. But corporate bonds usually
15
 offer higher yields than government or municipal bonds to offset these
disadvantages.
 Municipal Bonds: Municipal Bonds are issued by municipal corporations or
associated bodies in India. These local government bodies utilise the funds raised
through these bonds to finance projects for socio-economic development through
building bridges, schools, hospitals, providing proper amenities to households,
etc.
 Treasury Bonds: Treasury Bonds (T-Bonds) are government debt securities
issued by the U.S. federal government that have maturities greater than 20 years.
T-bonds earn periodic interest until maturity, at which point the owner is also
paid at par amount equal to the principal.

3. MONEY MARKET:
Money Market funds are fixed income mutual funds that invest in debt
securities characterized by short maturities and minimal credit risk. Money Funds are
debt funds that lend to companies for a period of up to 1 year. These funds are designed
in a manner that allows the fund manager to generate higher returns while keeping risk
under control through adjustment of keeping risk under control through adjustment of
lending duration.

4. GOVERNMENT SECURITIES:

Government Securities are securities issued by Central Government to

borrow from financial market to meet its fiscal deficit. Securities are issued for
short term as well as long term. Short term securities with maturity less than 1 year are
called Treasury Bills while Long term securities with a maturity of one year or more
are called Government Bonds or Dated Securities. They are considered as safe
investments, as investors are guaranteed return of both interest and principal, from
Government of India.

Treasury Bills
Cash Management Bills
Dated Government Securities
State Development Loans
Capital Indexed Bonds

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5. TAX SAVING SCHEMES:
You can minimise your tax burden by investing in the tax saving schemes offered
by government and private organisations. By investing in these schemes you will
become eligible to avail tax deductions and exceptions under various Sections of the
ITD.

In India, The quantum of Income taxes can be somewhat reduced by investing

smartly in tax saving schemes. There are multiple opportunities to reduce an
individual’s tax burden by using the available schemes appropriately. There are various
sections of the Income Tax Act, 1961 which deal with tax deductions and exemptions
such as Sections 80C, 80D and 80CCF and others sections. Many government and
private sector organizations provide a wide range of tax saving options for Indian
residents.

Income Tax Saving Schemes

Income taxes saving schemes are offered as per the relevant sections of the
Income Tax Act, 1961.

 PUBLIC PROVIDENT FUND

 UNIT LINKED INSURANCE PLANS
 TAX SAVING FIXED DEPOSIT
 EMPLOYEE PROVIDENT FUND
 NATIONAL SAVING CERTIFICATE
 TAX SAVING MUTUAL FUNDS
HDFC M.F.
IDBI M.F.
BIRLA SUN LIFE M.F.
ICICI PRUDENTIAL M.F.
 POST OFFICE TAX SAVING SCHEMES
TERM-DEPOSIT ACCOUNT
RECURRING DEPOSIT ACCOUNT (5 YEARS)
15 YEARS PUBLIC PROVIDENT FUND
NSC (VIII ISSUE)

17
5.3 Innovation Planning for “Grow with us”

Before using Securities Lends and Borrowing Mechanism, we should know very
well about SHORT-SELLING. So, first of all we will discuss about Short-Selling.

SHORT-SELLING OF SHARES:
Short Selling occurs when an investor sells all the shares that he does not
own at the time of a trade. In short, a trader buys share from the owner with the help of
brokerage or fees and sell them at current market price with the hope that price will
surge.
When the stock price falls, the seller buys the shares and books a profit.
However, short selling comes with a high risk to reward ratio and traders can
either book profit from short selling or incur huge losses from it.

For Instances:
Let’s say a GP Co. stock is trading at 500 rupee share. However A does not
have share of GP Co. and A thinks the price of GP Co. Go down, and then A borrows 100
shares from B and sells them to C for ₹50,000. The Price suddenly declines to ₹350 a
share, at which point A purchase 100 shares to replace borrowed and A pays borrowed
fees to B.

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 The regulations were originally formed by S.E.B.I. in May 1997 and last modified
in Nov. 2012. All market participants including retail (expect Qualified Foreign
Investors) in the Indian Securities market have been permitted to lend/borrow
securities but only through Authorized Intermediary.

Securities lending and borrowing is a popular mechanism used by companies to

increase their liquidity. It involves the transfer of securities between a lender and a
borrower in order to increase the liquidity of the company's assets. This process can be
executed through various methods such as repurchase agreements, stock loan
agreements, and margin trading. Securities lending and borrowing can help companies
increase their returns on investments, reduce risk, and improve operational efficiency.
Companies that execute this mechanism need to consider various factors such as
market conditions, terms of agreement, legal implications, and counterparty risk before
entering into any agreement.

Introducing the first-of-its kind securities lending and borrowing service that
helps to streamline the process of loan execution! Our solution is tailored to give you
full control over the cost, risk and time involved in lending and borrowing securities.
With our intuitive platform, you can easily manage your transactions and get real-time
visibility into your portfolio's performance. Our customers have reported increased
efficiency and faster time to market for their projects. Try it today and experience the
power of our revolutionary product!

Securities lending and borrowing is an important mechanism for companies to

maximize their returns. It involves the temporary transfer of a security from one party
(the lender) to another (the borrower). The borrower pays a fee to the lender in
exchange for the temporary use of the security, which is then returned at an agreed-
upon date. This mechanism allows companies to take advantage of market
opportunities, while also providing lenders with additional income. It also helps create
liquidity in markets and reduce systemic risk. Companies must be aware of all the risks
associated with securities lending and borrowing before executing it as part of their
strategy.

The execution of securities lending and borrowing as a company requires careful

planning and implementation. Companies must ensure that they are following all
regulations related to securities transactions, as well as ensuring that
they are getting the best possible terms for the transaction.
Additionally, companies must also consider the risk associated with
this type of transaction, such as counterparty risk and market volatility.
By taking these factors into account, companies can ensure that they are

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able to maximize their profits from this type of transaction while minimizing any risks
associated with it.

Create a secure online platform for financial institutions and brokerages to lend
and borrow securities. The platform should include secure payment processing, secure
data storage, and be easy to use. This platform could appeal to both large and small
investors who need access to short-term liquidity.

Create a digital platform to provide a secure and efficient way for individuals and
organizations to lend and borrow securities. A platform that simplifies the process of
micro-lending, allowing users to quickly and securely lend their securities at
competitive rates with minimal effort.

Tired of not being able to access the securities you need? Our securities lending
and borrowing mechanism provides a fast, reliable, and cost-effective way to get access
to the securities you need. Our platform allows users to instantly borrow and lend
securities, with no minimums and no hidden fees. We guarantee a secure transaction
with our state-of-the-art encryption technology. Thousands of investors have already
experienced the benefits of our platform, so join them now and start investing smarter!

Trading securities can be a complex, time-consuming process. Our solution

provides an easy-to-use platform that simplifies the process of lending and borrowing
securities. We make it simple to find, negotiate and manage transactions so you can
maximize returns while minimizing risk. With our product, you can confidently trade
with ease!

Are you an investor or trader looking for an efficient and secure way to leverage
your portfolio? Look no further! Our securities lending and borrowing mechanism
offers an innovative solution to help you make the most out of your investments. Our
platform is easy to use, transparent, and highly secure - allowing you to move quickly
and confidently in the markets. We have already helped hundreds of investors and
traders maximize their returns, so why not give us a try? Try us today and make your
portfolio more profitable!

Tax saving schemes refers to those investments that give you tax benefits on the
money that you invest. These devices are meant to save or reduce the tax liability of an
individual or organisation.

Taxes saving schemes are the investment products which help in saving taxes.
The tax saving schemes is aimed at providing the tax benefits to investors. There are
various types of tax saving schemes by which you can save your taxes by investing in
the.

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BENEFITS FOR LENDERS:
Lenders can supplement their income from inactive portfolios by charging a fee
to lend the stock, which various depending on demand and time value.

A lender’s ability to lend a certain amount of money is unrestricted.

Lenders are entitled to all corporate actions, such as dividends and bonuses that
occur throughout the lending period.

There is no counter-party risk because the CLEARING CORPORATIONS

guarantee of all transaction.

Transactions in the SLB section shall not be recognised as transfers, according to

Income Tax Circular No. 2/2008, issued February 22, 2008, and section 47(xv) of
the Act. As a result, Capital Gains Tax has no further implications.

BENEFITS FOR BORROWERS:

Borrowers can engage in short sales of securities that are not available in the
Derivatives Market (once the borrowing is done from the SLB segment.)

In the Cash category, SLB allows borrowers to pay their obligations in the event
of a delivery deficit and avoid an auction (seller shortage)

If there is a price differential between the Cash and Derivatives markets, SLB
provides borrowers with an arbitrage opportunity.

Under the derivatives segment. SLB allows borrowers to pay obligations arising
from the physical settlement.

BOTTOMLINE
SLBM is thus a smart option for investors to supplement their income by leasing
their idle assets for a charge and for a certain period of time. Traders, on the other
hand, can borrow stocks in order to take advantage of arbitrage opportunities or meet
their stock exchange obligations.

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