Equity market

Debt market
Bond market
Mutual funds
Mortgage market
Insurance
Equity market
Equity market, or stock market, is a system through which company
shares are traded. The equity market offers investors an opportunity to
participate in a company's success through an increase in its stock price.
With enhanced opportunity, however, the equity market usually carries
greater risk than debt markets.
Debt market
Debt market refers to the financial market where investors buy and
sell debt securities, mostly in the form of bonds. These markets are
important source of fund.
The most distinguishing feature of the debt instruments of debt
market is that the return is fixed. This means, returns are almost risk-free.
This fixed return on the bond is often termed as the 'coupon rate' or the
'interest rate'. Therefore, the buyer (of bond) is giving the seller a loan at a
fixed interest rate, which equals to the coupon rate.

debt market can be classified into two categories:

Government Securities Market (G-Sec Market)
Bond Market.
Bond market
A financial marketplace where debt instruments, primarily bonds, are
bought and sold is called a bond market. The dealings in a bond market are
limited to a small group of participants. Contrary to stock or commodities
trading, the bond market (also known as the debt market) lacks a central
exchange.

Types of Bond Markets

Corporate: includes trading in debt securities issued by corporations and
industries to raise funds.
Government and Agency: involves trading in bonds issued by government
departments as well as enterprises sponsored by the government or agencies
backed by it.
Municipal: covers transactions in municipal securities issued by states,
districts and counties.
Mortgage Backed Securities: includes dealings in asset-backed securities
that are protected by mortgages.
Mutual funds
A mutual fund is a group of investors operating through a fund
manager to purchase a diverse portfolio of stocks or bonds. Mutual funds are
highly cost efficient and very easy to invest in. By pooling money together in a
mutual fund, investors can purchase stocks or bonds with much lower trading
costs than if they tried to do it on their own. Also, one doesn't have to figure out
which stocks or bonds to buy. But the biggest advantage of mutual funds is
diversification
.
following major types:
Closed-end funds
Open-end funds •Value funds
Large cap funds •Money market funds
Mid-cap funds •International mutual funds
Equity funds •Regional mutual funds
Balanced funds •Sector funds
Growth funds • Index funds
No load funds •Fund of funds
Exchange traded funds
Mortgage market
A mortgage represents a loan or lien on a property/house that
has to be paid over a specified period of time. Think of it as your personal
guarantee that you'll repay the money you've borrowed to buy your home.
Mortgages come in many different shapes and sizes, each with its own
advantages and disadvantages. Make sure you select the mortgage that
is right for you, your future plans, and your financial picture.
 Insurance
• Insurance is defined as the equitable transfer of the risk of a loss, from one
entity to another, in exchange for payment.

• Insurer: An insurer is a company selling the insurance.

• Policyholder: policyholder is the person or entity buying the insurance policy.

• Premium: The insurance rate is a factor used to determine the amount to be

charged for a certain amount of insurance coverage.

• Claim: Insurance claims cover everything from death benefits on life

insurance policies to routine health exams at your local doctor. In many
cases, claims are filed by third parties on behalf of the insured person, but
usually only the person's listed on the policy is entitled to claims payment.  
 Insurance Regulatory & Development Authority

Insurance Regulatory & Development Authority is regulatory and

development authority under Government of India in order to protect the
interests of the policyholders and to regulate, promote and ensure orderly
growth of the insurance industry. It is basically a ten members' team
comprising of a Chairman, five full time members and four part-time members,
all appointed by Government of India. This organization came into being in
1999 after the bill of IRDA was passed in the Indian parliament.
 Types of Insurance

Vehicle insurance
Home insurance
Health insurance
Life insurance
 Vehicle Insurance

Motor Insurance is to select that car insurance which offers the

cashless settlement service wherein at the time of any accident you just need
to inform the insurer & the insurer will direct you to an authorized garage
wherein the policyholder need not pay to the garage & the insurer will pay on
its own. Thus this service helps you to remove all the hassles of arranging
money in a short time span.
 Home Insurance

Home insurance, sometimes also referred as homeowners insurance,

provides a cover for house property against hazards. Now a day’s people have
been going & opting for home insurance due to the recent spate of natural
calamities hitting the normal man like earthquakes, tsunami, floods etc.
 Health Insurance

It is a contract between the Insurer & the Insured wherein the former
agrees to pay to the latter hospitalization expenses to the extent of an agreed
sum assured in the event of any medical treatment out of an illness or an
injury. In the nutshell the Health Insurance is a policy which covers you & your
family against medical expenses due to sickness, accident etc. The Insured in
return has to pay a regular premium to the insurer.
 Life Insurance

Life is full of uncertainties & you can’t really presume that your
future is devoid of risks, so to be safe one has to get himself insured so that
his dependents are offered with financial help in any unforeseen event.
Life Insurance caters to your following requirements :
•  Financial Security to your family
•  Investment & saving options
•  Saving options for Retirement through Pension plans
•  Saving options for Children through Children Insurance Plans

Some of the Life Insurance plans are:

•Pension plan
•Children plan
•Term plan
•ULIP plan
•Money back plan
 Insurance companies in India

Bajaj Allianz Life Insurance Company Limited

Birla Sun Life Insurance Co. Ltd
HDFC Standard life Insurance Co. Ltd
ICICI Prudential Life Insurance Co. Ltd.
ING Vysya Life Insurance Company Ltd.
Life Insurance Corporation of India
Max New York Life Insurance Co. Ltd
Met Life India Insurance Company Ltd.
Kotak Mahindra Old Mutual Life Insurance Limited
SBI Life Insurance Co. Ltd
Tata AIG Life Insurance Company Limited
Reliance Life Insurance Company Limited.
Aviva Life Insurance Co. India Pvt. Ltd.
Bharti AXA Life Insurance
Religare Life Insurance
Apollo DKV Insurance
Cholamandalam MS General Insurance
ICICI Lombard General Insurance
IFFCO Tokio General Insurance
National Insurance Company Ltd
Reliance General Insurance
Tata AIG General Insurance