INVESTOSURE PVT. LTD.

“A STUDY ON PORTFOLIO
MANAGEMENT AT MOTILAL
OSWAL FINANCIAL SERVICES
LIMITED”

Presented by: Industry Mentor:

Gaurav Mukhi Maneesh Yadav
PGMB1960 (Corporate Sales Manager)
FINANCIAL SERVICES: Industry Overview
 Thesector comprises of commercial banks, insurance companies, non-banking financial
companies, co-operatives, pension funds, mutual funds and other smaller financial entities.

 However, the financial sector in India is predominantly a banking sector with commercial
banks accounting for more than 64 per cent of the total assets held by the financial system.

 The Government of India has introduced several reforms to liberalise, regulate and enhance
this industry.

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FINANCIAL SERVICES: Market Size
 The MF industry’s Assets Under Management (AUM) has grown from Rs 10.96 trillion in October
2014 to Rs 28.18 trillion in January 2020.

 Another crucial component of India’s financial industry is the insurance industry. The total first year
premium of life insurance companies reached Rs 214,673 crore during FY19.

 Along with the secondary market, the market for Initial Public Offers (IPOs) has also witnessed rapid
expansion. In FY19, Rs 14,674 crore has been raised from Initial Public Offerings (IPOs).

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INVESTOSURE
 Investosure was founded in 2010, as private fund lender in Sonipat, Haryana.

 In 2012, they entered into different investments avenues with motive to provide more financial
stability to people who finds it difficult.

 The company has expanded to 5 locations in North India and has a team strength of more than
250+ experts in stock exchange, insurance and mutual funds

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Background & History
 In 2010 Mr. Ramdhari Hooda an ex govt. official started lending out funds to people on an
interest basis as private fund lender in Sonipat Haryana.

 In2012, his friend Mr.Yashvir Singh who was working in Canada as PMS consultant, came
back to India, they started a venture together to provide PMS (Portfolio Management
Services).

 Their PMS services are not only available for high income class people but common people
as well.

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Organisation structure (Noida Branch)
SERVICES OFFERED
 Wealth Creation

 Protection

 Retire in Style

 Portfolio Management

 Risk Management

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 CUSTOMERS

o The Company believes in serving

“Everyone”
o The customers of the company
belong from all economic sections
of society. They have 3500
customers

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JOB DETAILS
 Job Title: Financial Research Analyst Intern
 Duration: 29 April 2020- 29 June 2020 (2 months)
 Location: Work from Home (Noida)
 Job Description:
o To generate lead by selling different products of the company like Health policy, Life
Insurance Policy and Term Plans (TP) or for financial planning.
o To also make customers aware about the insurance policies offered by Max life insurance.
o To manage the portfolio of the customers.

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INTERNSHIP PHASES
PHASE I: (Marketing and Sales)
 Marketing and sales of the company’s product.
 Training on how to pitch an insurance/term plan product.
 Got insights on three products:
o Savings Advantage plan (SAP)
o Monthly Income Advantage Plan (MIAP)
o Religare’s Health Insurance Policy
 Target given was to sell at least one policy worth 60,000 premium.

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CONTINUED…
PHASE II: (Financial Research Analyst)
 Do intraday trading on the given equities/stocks on Motilal Oswal app.

 Knowledge on how to diversify any portfolio with least risk involved.

 Record the profits and losses for the day in the excel sheet.

 Give training to other interns in finance domain.

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SIP Project
Objective: A study on portfolio management at Motilal Oswal Financial Services Limited.

About Motilal Oswal Financial Services Ltd.

 Motilal Oswal Financial Services Ltd. is an Indian diversified financial services firm offering
a range of financial products and services.
 Thecompany was founded by Motilal Oswal and Raamdeo Agarwal in 1987. Headquarter in
Mumbai, India.
 The company is listed on BSE and NSE stock exchanges.
 With1300 business locations and more than 3,85,000 customers in over 425 cities the
company is earning huge profits.

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Motilal Oswal Financial Service (Demat Account)

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Daily Tracker
Analysis
 The link for the Questionnaire https://forms.gle/cX9r8eExMRAfaFbm6
 50% of the respondents are interested to invest in stock markets in future.
 The major purposes of investments are securing future, higher returns and generating extra
income.

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Continued…
 63% of the age 18-25 years, responded that they like to invest their money MFs, stock
markets.
 Youths have changed the pattern of making investments whereas people of age more than
40 are still preferring FD’s and bonds.
 Two most common components of investment portfolio are Mutual Funds and Fixed
Deposits
 People with higher incomes are happy to
invest in gold and real estate.
 Almost 1/3rd of the people are investing their
money.

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Findings
 MF’s are preferred the most by the investors because of the liquidity they possess.
 Insurance sector is still on a boom as their have not really been affected by the COVID-19
scenario.
 There is a fall of 10-20% in the prices of property in the real estate sector.

 Maharashtra and Delhi has seen a hike in the number of health and life insurance policies
bought by the consumers.
 8.09% of returns are given by the Max Life Insurance company in the recent year.

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Continued…
 During the lockdown because of COVID-19 the trading on Demat Account across the
country has increased significantly.
 Investorsare still investing their money at the time of crisis as they are seeing this as an
opportunity to increase their wealth.
 The prices of gold are rising as the people have got more faith in the stability of the price of
gold.
 Reason why Indigo incurred losses more than the previous year’s profit.
 Reason for the value of crude oil became negative during lockdown.

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LEARNINGS AND OUTCOMES
 Products taught:
o SAP (Savings Advantage Plan) from Max Life Insurance.
o MIAP (Monthly Income Advantage Plan) from Max Life Insurance.
o Health Policy from Religare Enterprises Ltd.
 Learning:

o I have been told how the plan works and what are benefits or USP’s of each plan which
ultimately helped us in enhancing our selling skills.
o How can we reduce the unsystematic risk by diversifying the portfolio of an individual.

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CONTINUED…
o All the insurance and term plans come with a benefit of saving tax.
o A comparison of different investment avenues available in the market for an individual or group has
also been done.
o According to the analysis Gold and Real estate were the maximum earning opportunities if the market
sentiments are +ve (in long term options).
 OUTCOMES:
o Selling techniques
o Pitching skills
o Real intra-day trading
o Portfolio management
o Different investment tools and their use
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Suggestions…
 The company should have a more dynamic approach in reaching to their customers.

 Demo Demat accounts could have been given to the interns to practice real trading.

 The premium amount should be flexible so that all income group people can opt for the
policy.

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