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A TRAINING PROJECT REPORT On Study of Demat Account of

A training project Report submitted in partial fulfillment of the requirements for the award of the degree of


Punjab Technical University

Submitted To: Asst. Prof Narender Project Guide

Submitted By: Mohsin Showkat BBA 3rd SEM Roll no. 76

CT Institute of Management and IT JALANDHAR (20010-2011)



The successful completion of this project was a unique experience for me because by visiting many place and interacting various person I achieved a better knowledge about sales. The experience which I gained by doing this project was essential at this turning point of my carrier this project is being submitted which content detailed analysis of the research under taken by me.

The research provides an opportunity to the student to devote his/her skills knowledge and competencies required during the technical session. The research is on the topic “Study of demat account of Reliance Money”


For successful Completion of any task we need guidance and motivation at every step. I am highly privileged to express my sincere gratitude to Miss Sakshi Vats (Relationship Manager of Reliance Money) and Miss Prabhjot Kaur (Faculty member) under Whose Ingenious supervision I had done my project. I express my sincere thanks for their valuable guidance. They made this experience of mine informative and rewarding. They provide me all the facilities and environment for successful completion of my training.

I will be failing in my duties if I do not acknowledge the help, support of my friends whose love and affection supported me throughout life and in this project also.

Mohsin Showkat



This is to certify that Mohsin Showkat BBA IIIrd Semester CT Institute of Management and IT, Punjab Technical University has done project on “Reliance Money “and has successfully completed her project on “Study of Demat account of Reliance Money” This report is completed under my guidance. It is only for academic purpose and is a bonafide work done by researcher.

Project Guide Miss Prabhjot Kaur Faculty CTIMIT



I “Rajni Arya” have done here by declare that the project work entitle on the “Study of Demat Account of Reliance money “at Panchkula is the original work done by me. This project is done under the guidance of Miss Prabhjot Kaur (Faculty member) and Miss Sakshi Vats (Relationship Manager of Reliance Money).

This project report presented as a partial fulfillment requirement for the degree of Master of Business administration.

Rajni Arya MBA 3rd Sem. CTIMIT


Annexure …………………………………………………………… 6 . Limitations ……………………………………………………………… 11.TABLE OF CONTENTS 1. Need for the study………………………………………………………… 5. Product of the Reliance Money …………………………………………… 4. 6. Research Methodology ………………………………………………… 8. Data Analysis and Interpretation………………………………………… 9. Objectives …………………………………………………………………. Bibliography …………………………………………………………… 12. Competitors………………………………………………………………. Introduction………………………………………………………………… 2. Company Profile…………………………………………………………… 3. Findings and Suggestions………………………………………………… 10. 7.

Gold Coins and Credit Cards Services.INTRODUCTION Reliance Money – Transacting and investing simplified. Money Transfer. IPO’s offshore investments or prefer to invest in mutual funds. which makes your online trading experience more secure without complexity.Simply open a reliance money account and enjoy the convenience of handling all your key financial transactions through this one window . Derivatives. Company recently entered in to Wealth Management with tools like investment in equity-linked portfolio management services. RelianceMoney. IPO Investment.Reliance Money has over 22 lakhs customers and more then 10'000 branches in around 5000 cities in India. structured products. General insurances. Get ready to change the way you transact and invest in financial products and services . life & general insurance products or avail money transfer and money changing services.Whether you wish to transact in equity. Commodity Trading. equity & commodity derivatives. Life Insurances. Forex is the web based investment portal (with Online Stock Trading) from Reliance Money. The Reliance Money stock trading websites uses special security features 'Security Token'. This website enables its customer to invest & manage most of the services provided by Reliance Money including Equity (Stock) Trading. you can do it all through reliance money . Company is among the largest broking and distribution house of financial products and having share of more then 3% of total stock market volume at BSE & NSE. 7 . Mutual Fund Investment. insurance and mutual funds.

in terms of net worth. Its Endeavour is to change the way India transacts in financial markets and avails financial services.115. Mutual Funds. and net worth to the tune of Rs. in terms of net worth. with a market capitalisation of Rs. amongst others in Equities. life and general insurance.000 crores (US$ 81 billion). Money Transfer. Equity & Commodities Derivatives. Reliance Money is a group company of Reliance Capital. IPOs. private equity and proprietary investments. Life & General Insurance products. life and general insurance. Reliance Capital is one of India‟s leading and fastest growing private sector financial services companies. one of India's leading and fastest growing private sector financial services companies. The company has interests in asset management and mutual funds.55.000 crores (US$ 29 billion). ranking among the top 3 private sector financial services and banking companies. Offshore Investments. net assets in excess of Rs. stock broking and other financial services. Money changing and Credit Cards. private equity and proprietary investments. stock broking and other activities in financial services 8 . enabling you to access.325.PROFILE OF RELIANCE MONEY The Reliance – Anil Dhirubhai Ambani Group is among India‟s top three private sector business houses on all major financial parameters.000 crores (US$ 14 billion) Reliance Money is a comprehensive electronic transaction platform offering a wide range of asset classes. and ranks among the top 3 private sector financial services and banking companies. Reliance Capital Ltd. Reliance Money is a single window. has interests in asset management.

RELIANCE ADA GROUP Reliance Money 9 .

in terms of net worth.000 crore (US$ 2. amongst others in Equities. Money Changing and Credit Cards The Reliance Anil Dhirubhai Ambani Group is one of India's top 3 business houses.2 billion). Its endeavor is to change the way India transacts in financial markets and avails financial services. Equity & Commodities Derivatives.3 billion) and zero net debt.90. Offshore Investments. and has a market capitalization of over Rs.000 crore (US$ 1.000 crore (US$ 10 billion). ranking among the top 3 private sector financial services and banking companies.2. IPOs.40. Life & General Insurance worth in excess of Rs.Reliance Money is a group company of Reliance Capital. Money Transfer.Reliance Money is a comprehensive electronic transaction platform offering a wide range of asset classes. cash flows of Rs. 10 . enabling you to access. Mutual Funds. 5. one of India's leading and fastest growing private sector financial services companies. Reliance Money is a single window. net profit of Rs.000 crore (US$ 75 billion). 9. Reliance Capital is a part of the Reliance Anil Dhirubhai Ambani Group .

private equity and proprietary investments. Gujarat . Reliance Mutual Fund is India's no.1 Mutual Fund. stock broking. Shri Anil Dhirubhai Ambani is the chairman of all listed companies of the Reliance ADA Group. Reliance Capital. Reliance General Insurance is India's fastest growing general insurance company and the top 3 private sector insurers.He is also Chairman of the Board of Governors of Dhirubhai Ambani Institute of Information and Communication Technology. Reliance Life Insurance is India's fastest growing life insurance company and among the top 4 private sector insurers.Till recently. life and general insurance. Gandhi Nagar.Chairman's Profile: Regarded as one of the foremost corporate leaders of contemporary India. Reliance Communications. depository services. distribution of financial products. Reliance Energy. consumer finance and other activities in financial services. and was centrally involved in every aspect of the company's management If we look for examples to prove this quote then we can find many but there is none like that of Reliance Money. Anil Dhirubhai Ambani joined Reliance in 1983 as Co-Chief Executive Officer. India's largest private sector enterprise. Reliance Money is the largest brokerage and distributor of financial products in India with more than 2. he also held the post of Vice Chairman and Managing Director in Reliance Industries Limited (RIL). namely. Reliance Capital has interests in asset management and mutual funds.5 million customers and the largest distribution network. Reliance Natural Resources and Reliance Power . The company which is today known as the largest financial service provider of India. 11 .

000 outlets across 700 towns/cities.Reliance Consumer finance has a loan book of over Rs. Money has increased its market share among private financial companies to nearly Convenient & effective – Anytime & anywhere financial transaction capability. Launched in April 2007. Average daily turnover – in excess of Rs 2.25% . It provides the Flat fees system. Considering the entire life market. RELIANC MONEY PRODUCT OFFERING 1.000 employees. 19.862 crores (US$ 1. 12.2 million customers in 1 year of official launch.000 crores at the end of June 2008. including the Rs.000 crores.940 crores (US$ 4. Financial Products   Mutual Funds Life Insurance o ULIP plan o Term Plan o Money Back Plan  General Insurance o Vehicle/Mo Health Insurance o Health Insurance o House insurance   IPO‟s NFOs 12 . It has over 5.890 crores booked by life insurance Corporation. These comparisons are only for first year or new business premium. Reliance Capital has a net worth of Rs.6.6 billion) as of June 30. Reliance life insurance market share works out to around 6. It has 2.The life insurance market continuous to be dominated its 73% share in end-July . Trading Portal (with almost negligible brokerage )      Equit y Broking Commodit y Broking Derivatives ( Futures & Options ) Offshore Investments (Contract For Differences) D-Mat Account. 8. 2.6 billion) and total assets of Rs. 2008 and over 26.

3. Credit Cards 5. not a destination’’ RELIANCE DEMAT ACCOUNTS 13 . Gold coins retailing .“Success is a journey. Value-Added Services     Retirement Planning Financial Planning Tax Saving Children Future Planning 4.

your depository account with your DP. 4. would be credited with the dematerialized securities. 3. Fill demat request form (DRF) (obtained from a depository participant or DP with whom your depository account is opened). it became mandatory that any person holding a demat account should possess a Permanent Account Number (PAN). Get ready to change the way you transact and invest in financial products and services . life & general insurance products or avail money transfer and money changing services. Submit the DRF & share certificate(s) to DP. Deface the share certificate(s) you want to dematerialize by writing across Surrendered for dematerialization. After dematerialization. Benefits of having a reliance money account 14 . a Demat account the abbreviation for dematerialized account. equity & commodity derivatives. As of April 2006. The Securities and Exchange Board of India (SEBI) mandates a demat account for share trading above 500 shares. is a type of banking account which dematerializes paper-based physical stock shares. DP would forward them to the issuer / their R&T Agent. and the deadline for submission of PAN details to the depository lapsed on January 2007. Procedure 1. The dematerialized account is used to avoid holding physical shares: the shares are bought and sold through a stock broker.Overview of Demat Account In India. Simply open a reliance money account and enjoy the convenience of handling all your key financial transactions through this one window. you can do it all through reliance money.Whether you wish to transact in equity. IPO‟s offshore investments or prefer to invest in mutual funds. 2. Reliance Money Demat Account Services Reliance Money – Transacting and investing simplified. This account is popular in India.

money changing and credit cards. offshore investments mutual funds. and IPO‟s life insurance.and 750/. we invite you to pay a flat fee of just Rs. equity and commodities derivatives.• It’s cost effective You pay comparatively lower transaction fees. • Its convenient You can access reliance money‟s services through   The internet The phone (call & transact) 15 . amongst others. This fee is valid for two months or a specified transaction value The table below for details • Its offers single – Through reliance money‟s associates.and transact through reliance money. general Insurance. As an introductory offer. 500/. money transfer. you can transact in equity.

   You get your own demat account with reliance capital at an annual fee of just Rs. You can access your banking. you get Reliable research.  It’s Safe Your account is safeguarded with a unique security number that changes every 32 seconds. Its provides you a demat account Provides you a 3-in-1 facility. Our all – India network of associates On an assisted trade (through the call centre or our network of associates) a charge of Rs 12 per executed trade applicable. This number works as a dynamics password to keep your account extra safe.added services.reliancemoney. 50/ At www. trading and demat account through a single window and transfer funds across accounts seamlessly. retirement. including views of external experts with an enviable track record Live news updates from Reuters and Dow Jones CEO‟s / expert views on the economy and financial markets Tools that help you plan your investments. tax. in the personal finance section Risk Analyser for analysis of your risk profile Asset allocators to build an appropriate investment portfolio Innovative use of technology for facilitating 16 .         It provides you value. etc.

• No stamp duty on transfer of securities.Convenient trading/investments – Kiosks (similar to ATM‟s) Reliance Money Provide the kiosks (similar to ATM‟s) Facilities. • Immediate transfer of securities. Reliance Money provides 3 different trading platforms for equity trading: Fast Trade Easy trade The Benefits • A safe and convenient way to hold securities. The company is going to open these kiosks in the market as the ATM‟s of the banks. 17 . to their customer through which the customers can trade on available kiosks at the particular Branch of Reliance Money.

current and. or other account for which the holder have been issued a check book. Bank attestation. Driver‟s license. latest IT returns and. • Change in address recorded with DP gets registered with all companies in which investor holds securities electronically eliminating the need to correspond with each of them separately. or latest 18 . thefts etc. fake securities. Required Documents The extent of documentation required to open a demat account may vary according to your relationship with the institution.• Elimination of risks associated with physical certificates such as bad delivery. one or more For proof of identification and. In fact. delays. arising out of bonus/split/consolidation/merger etc. Voter‟s ID. Ration card. • No odd lot problem.. your photographs (with co-applicants) and proof of identity/residence/date of birth have to be submitted. Automatic credit into demat account of shares. • Nomination facility. The DPs also ask for a DP-client agreement to be executed on nonjudicial stamp paper. • Reduction in transaction cost. a savings. Here is a broad list: • A canceled check. or address self-attested facsimile copies of PAN card. If you plan to open a demat account with a bank. • Transmission of securities is done by DP eliminating correspondence with companies. Passport. Along with the application form. preferably MICR • Proof of Identification • Proof of Address • Proof of Pan Card (mandatory) • Recent photographs. banks usually offer additional incentives to customers who open a demat account with them. • Holding investments in equity and debt instruments in a single account. Employee ID card. even one share can be sold. • Reduction in paperwork involved in transfer of securities. Photo credit card. such holder has an edge over the non-account holder.

Demat requests with name(s) not matching exactly with the name(s) appearing on the Certificates merely on account of initials not being spelt out fully or put after or prior to the Surname. 9 In case there is any problem in processing the DRF. 6. 4. ask For additional documentation (like bank attestation/ notarization. 3.) to prove that the Certificate belongs to the person who forwarded the DRF. 8. the issuer/ their R & T agent may at the time of demat confirmation.Electricity/Landline phone bill are sufficient. Only securities registered in the name of the account holder can be dematerialized. Dematerialization would be done only when the issuer / their R&T Agent is satisfied of Genuineness of securities & ownership status 5. Thus it may take you a month from the date you hand Over shares. 7. Only securities admitted by NSDL can be dematerialized. Benefits Demat account has become a necessity for all categories of investors for the following reasons/ benefits:  SEBI has made it compulsory for trades in almost all scrip’s to be settled in Demat mode. If the signature in the DRF does not match with the signature available with the issuer/ Their R & T agent. Points to Remember 1. While they only ask for photocopies of the documents. trades up to 500 shares can be 19 . they will need the originals for verification. to receive demat credit. Although. Dematerialization is normally completed within 15 days after the share certificates have Reached the issuer/ their R&T Agent. All the joint holders should sign the DRF. 2. contact your DP and if he cannot Resolve the problem you may contact NSDL. etc. The list is available with your DP. The pattern of holding in the DRF should match the pattern of holding on the share Certificate & the pattern in which account is opened. and provided the signature of the client on the DRF tallies With the specimen signature(s) available with the issuer/ their R & T agent. would be processed.

etc.can be effected across companies by one single instruction to the DP. Any number of securities can be transferred/delivered with one delivery order. paperwork a nd signing of multiple transfer forms is done away with. 20 . It facilitates taking advances against securities on low margin/low no odd lot problem.  It is a safe and convenient way to hold securities compared to holding securities in physical form. registration of power of attorney.settled in physical form. fake certificates. forgery of signatures.  Change of name. address.   Instantaneous transfer of securities enhances liquidity. thefts. Therefore. etc. .  Each share is a market lot for the purpose of transactions . deletion of deceased's name. It eliminates delays. interceptions and subsequent misuse of certificates. physical settlement is virtually not taking place for the apprehen sion of bad delivery on account of mismatch of signatures.  No stamp duty is levied on transfer of securities held in Demat form.

about the company as well as the strategy of the customers. So that. its products and services offered. after understanding and collecting information about the organization and its competitors. products and services and also to collect information about its competitors. a trainee will be ab le to work well for the organization.NEED OF THE STUDY The need of the study arises because of the reason that a trainee must understand the company. its achievements and tasks. From the study I have learned very much. which helps me a lot at m y working days. 21 .

over a period of time. HDFC Bank Demat services offers you a secure and convenient way to keep track of your securities and investments. Auto Credit of Public Issue refunds to the bank account. Electronic credit in public issue.COMPETITORS HDFC BANK is one of the leading Depository Participant (DP) in the country with over 8 Lac demat accounts. No stamp duty on transfer of securities held in demat form. holding and trading in Demat form has the following benefits : Settlement of Securities traded on the exchanges as well as off market transactions. Auto Credit of Rights / Bonus / Public Issues / Dividend credit through ECS. 22 . without the hassle of handling physical documents that get mutilated or lost in transit. Features & Benefits As opposed to the earlier form of dealing in physical certificates with delays in transaction. HDFC BANK is Depository participant both with –National Securities Depositories Limited (NSDL) and Central Depository Services Limited (CDSL). Shorter settlements thereby enhancing liquidity. Pledging of Securities.

Disclaimer: Whatever have been stated above are in the good interest of the Investor / Demat Applicants / holders to provide a brief picture about the depository system. Also HDFC Bank might ask for additional information / documentation than what has been stated above to process your application / instruction.nsdl. 23 . The 'IDEAS' facility helps in viewing the current transactions and balances (holdings) of Demat account on Internet on real time basis. Signature. SPEED-e offers secured means of transaction processing eliminating preparation of instruction slips and submission of the same across the counter to the depository participant. Change of address. For detailed guidelines. Dividend Mandate. transmission HDFC Bank will not be responsible for any misunderstanding / act based on the above. You are requested go through the guidelines of the depositories before taking any further action.No concept of Market Lots. you are requested to approach your nearest HDFC Bank branch. registration of power of attorney. Secured & easy transaction processing HDFC Bank Ltd provides convenient facility called 'SPEED-e' (Internet based transaction) whereby account holder can submit delivery instructions electronically through SPEED-e website (https://speed-e. can be effected across companies held in demat form by a single instruction to the Depository Participant (DP).

Mutual Funds and Bonds. Share Trading Account Share Trading Account by ICICIDirect is primarily for buying and selling of stocks in BSE and NSE.This account allows Cash Trading. ICICIDirect. Trading is available in BSE and NSE ICICI Direct offers 3 different online trading platforms to its customers Type of Account24 1. Redemption and switch between different schemes. Buy Today Sell Tomorrow and Call and Trade on phone. Spot Trading. Online Mutual funds investment allows investor to invest on-line in around 19 Mutual Fund companies.ICICI DIRECT ICICI Direct (or website is the primary trading platform for this trading account. Along with stock trading and trading in derivatives in BSE and NSE. They also provide installable application terminal based application for high volume Trader. it also provides facility to invest in IPOs. This account also 24 . MarginPLUS Trading. Systematic Investment plans. Margin Trading. ICICI Direct offers various options while investing in Mutual Funds like Purchase Mutual is stock trading company of ICICI Bank.Wise Investment Account 2. Systematic withdrawal plan and transferring existing Mutual Funds in to electronic mode.

15% for margin trades. Disadvantages of ICICI Direct 1.(One time non-refundable) Brokerage : ICICI Direct.85% on delivery based trades.4% to 0.provides facility to invest in Government of India Bonds and ICICI Bank Tax Saving Bonds. service taxes and courier charges for contract notes.425% for squared off trades and 0.2% to 0. It allows investor to use online and offline stock trading. Brokerage and fees Account opening fees : Rs 750/. It also provides with independent market expertise and support through a dedicated Relationship Manager from ICICI. It ranges from 0. 0. Getting access to ICICIDirect. 25 .1% to brokerage varies on volume of trade and inclusive of demat transaction charges. Active Trader account gives more personalized investment options to the website during market session can be frustrating. Active Trader also provides commodity trading.

 To collect the real time information about preference level of customers using DEMAT account and their inclination towards various other brokerage firms.  To check the awareness among the people abou t the online share trading. and E -Banking etc. 26 .OBJECTIVES  To check the awareness among the people about Reliance Money and various services provided by it like: DEMAT account.

The word research methodology comes from the word “advance learner „s dictionary meaning of research as a careful investigation or inquiry especially through research for new facts in my branch of knowledge for example some author have define research methodology as systematized effort to gain new can also define research methodology as a scientific and systematic search for required information on a specific topic. 27 .RESEARCH METHODOLOGY Research Methodology refers to search of knowledge . TYPES OF RESEARCH ANALYTICAL RESEARCH:It has to used facts or information already available and analyzes these to make a critical evaluation of material. SAMPLE SIZE: Considering the constraints it was decided to conduct the study based on sample size of 100 people in specific age groups.

2. purposive selections of respondents for survey have done. For the easy analysis of work percentage method has been work out. TOOLS OF ANALYSIS In the project work quantitative technique & percentage method are has been used. 28 . journals. 1. magazine . METHODS OF DATA COLLECTION In the project work Primary data secondary data (both) sources of data has been used . it is impossible to collect the preference of all people in the city.UNIVERSE OF STUDY: The Universe of the study for the “Study of demat account of Reliance Money” is in the Panchkula city .books. Primary sources of data: In the primary sources of data used Observation Method & Questionnaire method. (Internet .Due to the time and cost constraints. Hence. Secondary sources of data : In the secondary sources of data is used.

It is used in making comparison between two or more series of data.The data which was collected from a sample of population was assumed to be representing entire population was interested . of investors*100 RESEARCH DESIGN For the proper analysis of data simple quantitative technique such as percentage were used . Percentage of investors = No. They are used to describe relationships. diagrammatic representation has been made in the form of charts. PERCENTAGE ANALYSIS Percentage refers to a special kind of Ratio. 29 .Demographic factor like age.For easy understanding data. income were used for the classification purpose. It help in marketing more accurate generalization From the data available .


GRAPHICAL REPRESENTATION AGE GROUP 90 80 70 No. of respondes 60 50 40 30 20 10 0 18-25 year 25-35year Age >35 year 14 9 77 INTERPRETATION : This AGE GROUP graph show 77% maximum respondent are belong to 18-25 year than minimum 9%are above 35 year. 31 .


33 .GRAPHICAL REPRESENTATION GENDER/SEX 0% 0% 0% FEMALE 47% MALE 53% INTERPITATION: This gender / sex graph shows 53% respondents are male and 47% are female.

3. MARITAL STATUS MARITAL STATUS SINGLE MARRIED TOTAL NO OF RESPONDENTS 82 18 100 % OF RESPONDENTS 82% 18% GRAPHICAL REPRESENTATION MARITAL STATUS 90 80 70 No. 34 . of respondes 60 50 40 30 20 10 0 SINGLE MARRIED Marital Status 18 82 INTERPRETATION: This marital status graph shows 82% respondent are single and 18% are married respondent.


42% Professionals . 36 . of respondes OCCUPATION OCCUPATIO INTERPRETATION: This Occupation graph shows 19% respondents are having their own business . 8% are retired.GRAPHICAL REPRESENTATION OCCUPATION 45 40 35 30 25 20 15 10 5 0 No. and 13% are anyother. 2% respondents are house wives .


GRAPHICAL REPRESENTATION ANNUAL INCOME 0% 15% 14% 32% 39% BELOW 2 LACK 2-5 LACK >5 LACK NILL INTERPRETATION: This annual income graph shows 39% respondents fall under the category having income bellow 2 lack. and 15% with nill income. 38 . 32% fall under the category 25 lack. 14% respondents fall under the category >5 lack .

20% 80% yes no Interpretation: This pie chart shows 80% respondents heard about the reliance money . 39 . and 20% respondents do not heard about the reliance money.B Q1.PART . of respondent RELIANCE MONEY. Yes 80 No 20 Percentage of respondent 80% 20% GRAPHICAL REPRESENTATION Result of Awareness of RELIANCE MONEY . Do you ever heard about RELIANCE MONEY ? Awareness of No.

of respondent 82 18 Percentage of respondent 82% 18% GRAPHICAL REPRESENTATION Result of investment in demat account . Do you have investment in Demat account in any company? Particulars Yes No No. 18% 82% yes no Interpretation:- 40 .Q2.

Q3.What facilities you are looking for opening Demat account in any financial institution? Particulars Less Brokerage Better online trading facilities Less maintenance charges Time to time return Less opening charges 20 30 20% 30% 10 10% No. of respondents 30 10 Percentage of respondent 30% 10% GRAPHICAL REPRESENTATION 35 30 25 20 15 10 5 0 10 10 20 30 30 Interpretation:41 .

20% have respondent of ICICI. of respondent 50 30 20 Percentage of respondent 50% 30% 20% GRAPHICAL REPRESENTATION 50 50 45 40 35 30 25 20 15 10 5 0 Reliance ICICI HDFC 20 30 Interpretation:- 50% have respondent of Reliance Money. What facilities do you know that Reliance Money offer? Particulars Insurance Demat account Online trading No. 42 .Q 4. 30% have respondent of HDFC.

15 Interpretation:- 43 . 48 ICICI HDFC. of respondent 48 15 19 Percentage of respondent 48% 15% 19% GRAPHICAL REPRESENTATION ICICI. With which company do you have your Demat account? Company Name Reliance money HDFC ICICI No. 19 Reliance Money HDFC Reliance Money.Q5.

30 Yes No Yes. 44 .Q6. This awareness is expected to increase further with the increase in Internet education. the awareness towards online share trading has increased by leaps and bounds. Are you aware of online Share trading facilities? Aware of online share trading Yes No Total No. of respondent 70 30 100 Percentage of respondent 70% 30% GRAPHICAL REPRESENTATION No. 70 Interpretation: With the increase in cyber education. In this pie chart 70 % respondents are aware of online share trading but 30% don‟t aware of online share trading.

How many times you do trading? Particulars No. 45 . 35% respondents says they do trading monthly . 20% respondents says they do trading weekly and 8%% respondents says they do trading yearly.Q7. of respondent Percentage Respondents Daily Monthly Weekly Yearly 7 35 20 8 7% 35% 20% 8% of GRAPHICAL REPRESENTATION Percentage of respondents 8% 7% Daily 20% Monthly 35% Weekly Yearly Interpretation: This pie chart shows 7% respondents do trading daily .

and 10 %respondents says HDFC bank provides better online trading facilities and 20 % says ICICI provides better online facilities. 46 .Q8. Which company provides you a better online trading facility? Company Name Reliance money HDFC ICICI No. of respondent 40 10 20 Percentage of respondent 40% 10% 20% GRAPHICAL REPRESENTATION 40 40 35 30 25 20 15 10 5 0 Reliance HDFC ICICI 10 20 Interpretation: Above graph shows that 40% respondents says that reliance money provides better online trading facility.

of respondents 35 20 15 Percentage of respondent 35% 20% 15% GRAPHICAL REPRESENTATION 15% 35% 20% Share Market Mutual funds Purchasing insurance Policy Interpretation:.Q9. 20% respondents says Mutual funds gives maximum return and 15% are of view that insurance policy gives maximum return. 47 . According to your perspective which investment gives you maximum return? Particulars Share Market Mutual funds Purchasing insurance Policy No.This pie chart shows that out of 70 respondents 35% respondents are of view that share market gives maximum return .

Which company provides less BROKERAGE rate? Company Name RELIANCE MONEY. of respondent 40 20 10 Percentage of respondent 40% 20% 10% GRAPHICAL REPRESENTATION 45 40 40 35 30 25 20 20 15 10 10 5 0 Reliance Money ICICI Direct HDFC Interpretation:. HDFC ICICI No. 10% respondents says HDFC provides less brokerage rate and 20% respondents says ICICI provides less brokerage rate.Q10. 48 .In this graph out of 70 respondents 40% respondents says reliance money provides less brokerage rate .

Q11.According to you what makes Reliance money better than other financial institutions? Particulars Less Brokerage Better online trading facilities Less maintenance charges Time to time return No. of respondents Percentage of respondent GRAPHICAL REPRESENTATION Interpretation:- 49 .

50 . Reliance Money provides better online trading facilities in comparison to HDFC and ICICI. According to most of the respondents Reliance Money offers large number of services through demat account. According to the analysis Reliance Money provides less brokerage rate in comparison to HDFC and ICICI.FINDINGS Most of the respondents are aware of reliance money and feels that reliance money is easily available everywhere. Most of the respondents are aware of online trading and are also in the favour of online share trading.

The study is limited to the different schemes available under the demat account selected. 51 . In certain cases the respondents were lazy and filled the questionnaire without any seriousness. Limitations Sample chosen may not be the true representative of population. Reliance Money should provide demat services at low cost so that customers should be more benefited. The lack of information sources for the analysis part.SUGGESTIONS The Brand image of Reliance Money is good in market but according to customer satisfaction the company has to provide the better service. The time constraint was one of the major problems. Online trading is beneficial but it is very expensive so Reliance Money should provide online trading services at low cost.

A good brand is always welcomed over here people are aware of quality so they go for ready to spend bucks of money.CONCLUSION Reliance Demat Account is better than other Demat account. less 52 . Reliance Money has good return of investment.It provide a security with the use of special type of key . At last all can be concluded by that Reliance Money is still growing industry in India Reliance Demat account have brokerage rate .

com/ www./online_stock_brokers_detail.BHALL Reference books: 1.chittoragh. www.BIBLIOGRAPHY Websites: www. FINANCIAL INSTITUTIONS AND MARKETS 2. https://trade. Research methodology: KOTHARI C.reliancemoney.asp?a=6 www.hdfcdemat.M. 53 .hdfc.asp https://secure www.INVESTMENT MANAGEMENT . BHOLE L.

What facilities do you know that reliance money offers?  Insurance  Demat account  Online trading Q3.Do you have investment in Demat account?  Yes  No 54 .ANNEXURE Q1.Do you ever heard about RELIANCE MONEY?  Yes  No Q2.

Which company provide you better online trading facilities?  Reliance Money  HDFC  ICICI direct 55 . Are you aware of online share trading facilities?  Yes  No Q6. With which company do you have your Demat account?  Reliance Money  HDFC  ICICI direct Q5.Q4.

According to your perception which investment gives you maximum return?  Share market  Mutual funds  Purchasing insurance policy Q8.What facilities are you looking for opening demat account in any financial institution?  Less Brokerage  Better online trading facilities  Less maintenance charge  Time to time return  Less opening charges 56 . Which company provide a less BROKERAGE rate ?  Reliance Money  HDFC  ICICI Q9.Q7.

Q10.According to you what make Reliance money better than other financial institutions?  Less Brokerage  Better online trading facilities  Less maintenance charge  Time to time return Q11.How many time you do trading?  Daily  Monthly  Weekly  Yearly 57 .

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