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Presented by:-Sukhjeet Kaur M.B.

A :- 3rd Semester Roll no :- 1174302

The Reliance Anil Dhirubhai Ambani

Group is among Indias top three private sector business houses on all major financial parameters, with a market capitalisation of Rs.325,000 crores, net assets in excess of Rs.115,000 crores, and net worth to the tune of Rs.55,000 crores.
The success story of the company is driven by 9 success


adopted by it namely : Trust, Integrity, Dedication, Commitment, Enterprise, Hard work, Homework, Team work play, Learning and Innovation, Empathy and Humility and last but not the least its the Network.

Reliance money is a part of the reliance Anil Dhirubhai

Ambani Group and is promoted by Reliance capital

Reliance money is a comprehensive financial solution

provider that enables you to carry out trading and investment activities in a secure, cost-effective and convenient manner
Reliance Money offers the convenience of on-line and

offline transactions through a variety of means, including its Portal, Call & Transact, Transaction Kiosks


To achieve & 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 customer's satisfaction and set industry standards.


Reliance money mission is to be a leading and preferred

service provider to the customers, and aim to achieve the leadership position by building an innovative, enterprising , and technology driven organization.

My Work At Reliance Money

AT, RELIANCE MONEY my training was held by different persons from organization, as I was assigned targets to open DEMAT account of reliance money. We were provided with database and had to make calls from the data. Company activity was also one of the major sources for generating business. Main objective was to know the need of the customers and how to fulfil that in the best way.


In India, a DEMAT ACCOUNT the abbreviation for Dematerialized account ,is a type of banking account which dematerializes paper- based physical stock shares The Dematerialized account is used to avoid holding physical shares: the shares are bought and sold through a Stock broker.

This account is popular in India. The Securities and Exchange

Board of India (SEBI) mandates a DEMAT Account for share trading above 500 shares. As of April 2006, it became mandatory that any person holding, a DEMAT Account should posses a Permanent Account Number (PAN),and the deadline for submission of PAN details to the depository lapsed on January 2007.


Here is a broad list: A cancelled check, Proof of Identification Proof of Address Proof of Pan Card (mandatory) Recent photographs, one and, or more For proof of identification and, or address self-attested facsimile copies of PAN card, Voters ID, Passport, Ration card, Drivers license, Photo credit card, Employee ID card, Bank attestation, latest IT returns and, or latest Electricity/Landline phone bill are sufficient. While they only ask for photocopies of the documents, they will need the originals for verification.

Advantage Of Having Reliance Money Trading Account

It is a safe and convenient way to hold securities compared to

holding securities in physical form. Immediate transfer of securities; No stamp duty on transfer of securities. Reduction in paperwork involved in transfer of securities: Reduction in transaction cost; No odd lot problem, even one share can be sold; Nomination facility Automatic credit into DEMAT account of shares, arising out of bonus /split/consolidation/merger etc. Holding investment in equity and debt instrument in a single account.

DEMAT Account Services

Cost Effective

Offers Single Window Access to almost all financial products:-

transact in equity, equity and commodities derivatives, offshore investments mutual funds,IPOs life insurance, general insurance, money transfer, money changing and credit cards, amongst others.

access reliance money service through The Internet Transaction kiosks The phone(calls & transact)

The account is safe guard with a unique security number that changes every 32 seconds.


The main objective of this project is concerned with getting the opinion

of people regarding the advantage of DEMAT account

To collect the real time information about

preference level of customers using DEMAT account.


Research Methodology
Sources of data Primary Data
Using structured questionnaire for the existing customers and for general public. Secondary Data Company Website Internet

Contd .
Research design:-

Descriptive research
The term descriptive research refers to the type of research question, design, and data analysis that will be applied to a given topic. Descriptive statistics tell what is, while inferential statistics try to determine cause and effect.

Sample unit:From general public and also from Jalandhar. Sample size:30 units of customers

Sampling technique:Convenience Sampling

Data Analysis And Interpretation


People Having DEMAT Account In Reliance

Response No.Of Responses % Of Responses







26.70% 73.30%

Yes No

INTERPRETATION out of 30 respondents 22 as 73% of respondents are having DEMAT Account and 8 as 27% respondents are not having.

Preferences Of Investment Mutual funds

Preferences Of Investment
No Of Respondent 10 % Of Respondent 45%

9% 45%

Mutual Fund


Online Trading

trading Bonds Derivatives


6 2

27% 9%


Derivati ves





This shows that although the mutual funds market is on the rise yet, the most favoured investment continues to be in the Share Market. So, with a more transparent system, investment in the Stock Market can definitely be increased.


Knowing About All The Facilities Provided By Reliance Money

Facilities provided No.of respondents % of respondents

No Total

18 22

82% 100%

18.18% Yes 82% No

INTERPRETATION Although there is sufficiently high brand equity among the target audience yet, it is to be noted that the customers are not aware of all the facilities provided by the company meaning thereby, that, the company should concentrate more towards promotional tools and increase its focus on product awareness rather than brand awareness.


Preference Of Investing In Stock Market

Preference Of Investing No. of respondents % of respondents 73% High Return And High 16 Risk Tax Benefits 4 18% 9%

Short Term Gain From 2 Investment



High return and high risk Tax benefits




Short term gain from investment

The study shows that most of the people prefer to invest in stock market because of high risk and high return whereas some other try to capture the short term gain from investment. But a very few section of people invest because of the benefits they gain in tax.


Satisfaction Level among Customers with current broker

Satisfaction with current Yes No Total 16 6 22 73% 27% 100% No. Of respondents % of respondents


Yes 16


No 6

INTERPRETATION: This pie-chart corroborate the fact that Strategic marketing, today, has gone beyond only meeting Sales targets and generating profit volumes. It shows that all the competitors are striving hard not only to woo the customers but also to make them Brand loyal by generating customer satisfaction.


Frequency Of Trading
Trading Monthly Weekly Yearly Daily Total
9% 14% 55% 23%

No. of respondents 12 5 3 2 22

% of respondents 55% 23% 14% 9% 100 Monthly 12 Weekly 5 Yearly Daily 3 2

In spite of the huge returns that the share market promises, we see that there is still a dearth of active traders and investors. This is because of the non transparent structure of the Indian share market and the scepticism of the target audience that is generated by the volatility of the stock market. It requires efficient bureaucratic intervention on the part of the Government.


Problems Faced During Trading

Problems Faced Network Problem Information Related Problem Manual Operating Problem Service Provide Problem Total 17% 6% 5 22 15% 17% 100% network problem 2 6% No.Of Respondents 4 11 % Of Respondents 15% 60%

Information Related problem

Manual operating problem 60% Service provide problem


The most common problem faced by people during trading is the information related problem i.e., they dont get the required information about trading either online or offline. Whereas some other problems are also there like network problem, in manual operating problem and service provider problem.


Satisfied With Your DEMAT Service Provider

Particulars Very good Good Average Poor Total Respondents 9 3 5 4 22 %age 40% 14% 23% 18% 100%

18% 40% 23% 14% Very good 9 Good 3 Average 5 Poor 4

INTERPRETATION: This pie chart shows that most of the people are satisfied with the DEMAT Account.

Various findings of this research report are as follows: 73% of the people are having Trading account People preferred to invest their money mainly in mutual funds. People are not much aware of facilities provided in reliance money. People prefer to invest in stock market because of high risk and high return whereas some other tries to capture the short term gain from investment. Respondents are highly agreed that they are satisfied with trading account.

Rs950 account opening charges are too high when targeting

a corporate so the company should be flexible on this amount. Company should have a scheme of rewards and recognition to employees and the field persons to boost their motivation. There must be proper advertisement of the company by various media like Exhibition, Press releases, Newspaper, and Television etc.

The project has been subject to the following limitations: The study was restricted to Reliance Money Limited to only in Jalandhar city. The study is conducted with the data available and the analysis was made accordingly. It was tough to get all relevant facts from the personnel and employees. Time factor was a limitation as only a stipulated period had been ascertained to me while the personnel had little time to my queries due to their daily busy schedule. It is not feasible to compare all the products of various brokerage firms.

Reliance trading account is better than other Trading account. People are satisfied with reliance trading account. Mostly people invest their money in high risk. Reliance Money has good return on investment. At last all cons are concluded by that Reliance Money is still growing industry in India.