CHAPTER-1:

INTRODUCTION

1
 CHAPTER-1: INTRODUCTION

The Leading Solutions is the one stop solution provider for all your financial needs. The
objective is to serve the customers with the best solution for directing their finances in the
most profitable direction.

Company facilitate various trainings and development programs with top B-schools and
they have already trained thousands of interns till date. they have liaison with more than
50 universities in India with the base size of 800 and above campuses, keeping in mind
the most critical needs in today's context, they have emerged as a service partner of
various bank providing one stop solution offering a gamut of services.

Thus, their mission is to establish high standards of professional etiquette and to

effectively facilitate a comprehensive and accomplished system of continuing
professional development for every possible profession through our exceptional training
solutions

TLS is one of the developing consulting firm in India. At TLS, they give broad
administration services to high and HNI clients. their exceedingly prepared and
concentrated group draw in with customers from the nation over just as those based
abroad. they facilitate every one of the administrations expected to deal with customer's
cash and plan for their very own and family's present and future needs.

MISSION -

To assemble a world class business through high quality and genuine budgetary
arrangements upheld by sharp research and master group. The arrangements are conveyed
by specialists who comprehend the particular yearnings of each customer.

2
VISION -

To upgrade the perception of investors moving them from traditional investment decision
making to diversified one. In this dynamic economy it is always better to diversify your
funds. We work on the core mentality of investors and try to shift their interest from
traditional to modern mind set by providing them greater choices to invest. To expand our
piece of the overall industry year on year and keep up a similar dimension of involvement
for each customer. What's more, guarantee that we becomethe most profitable resource for
every customer.

Services provided by The Leading Solution

 Consulting Services -

TLS have a bunch of consultants that provides due diligence to the various businesses
relating to their essential business choices like Merger and Amalgamation, Investment
and growth into the new areas, etc. and that we additionally facilitate in characteristic the
new and effective sources of benefits whereas avoiding risk. We have a tendency to
principally offer the subsequent services:

 Corporate Development & Finance

 Investment

 People & Management

 New Market/Partner/Vendor analysis

 Operations

 Technology

3
 Taxation Services -

Tax systems vary widely among nations, and it is important for individuals and
corporations to carefully study a new locale's tax laws before earning income or doing
business there. TLS guides you about your comprehensive taxation planning. TLS will
give you insights of taxation that will help the client to manage the taxation regime of his
business.

 Accounting Management -

Accounting includes recording of financial transactions along with storing, sorting,

retrieving, summarizing, and presenting the results in various reports and analyses. They
provide customized accounting solutions to the clients and with latest analytical tools and
technologies it provides cutting-edge innovative solutions to your accounting needs.

 Portfolio Management -

Portfolio management is the art and science of making decisions about investment mix
and policy, matching investments to objectives, asset allocation for individuals and
institutions, and balancing risk against performance. It is important for an individual to
diversify his investment portfolio as to reduce risk and to gain maximum returns, so they
provide assistance in diversifying the investments.

 Recruitment Services -

Recruitment refers to the overall process of attracting, shortlisting, selecting and

appointing suitable candidates for jobs (either permanent or temporary) within an
organization. They filter the right candidate according to the requirement. Apart from
internal and external job analysis, they interview candidates for you and help in
recruitment planning.

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VARIOUS INVESTMENT SECTORS

1. Banking sector -

 The banking sector is an industry and a section of the economy devoted to the
holding of financial assets for others and investing those financial assets as a
leveraged way to create more wealth.

 Reserve Bank of India (RBI) is empowered to regulate, control, and

inspect the banks in India.

 Banking industry is the backbone of India’s financial services industry.

 country has several public sector, private sector, foreign, regional rural and
urban/rural cooperative banks.

 Financial instrument in the banking sector-

 FD

 RD

 Fixed Deposits (FD) and Recurring Deposits (RD) are both financial
instruments that allow people to earn interest on their investments. The
minimum principal deposit required for an FD and RD also varies for different
banks. There are different Recurring Deposit schemesavailable to people.

2. Investment in Gold –

 Gold is considered a safe investment Gold.

 Gold is supposed to act as a safety net when markets are in decline since the
price of golddoesn't typically move with market prices.

 It can be considered a risky investment as well, as history has shown that the
price of golddoes not always go up, particularly when markets are soaring.

5
  Investors typically turn to gold when there is fear in the market and they expect
prices ofstocks to go down.

 It is most preferred investment in India.

3. Stock Market-

 SEBI is the regulator of stock markets in India

 Stock markets in Indian are-

 National Stock Exchange

 Bombay Stock Exchange

 Stock market is a place where shares of pubic listed companies are traded.

4. Mutual Funds

 Mutual funds are operated by professional money managers.

 It is a type of financial vehicle made up of a pool of money collected from

many investorsto invest in securities.

 Managers invest in stocks, bonds, money market instruments, and other assets.

 Managers allocate the fund's assets and attempt to produce capital gains or
income for thefund's investors.

 A mutual fund's portfolio is structured and maintained to match the investment

objectivesstated in its prospectus.

5. Real Estate Investing -

 Buying and owning real estate is an investment strategy that can be both
satisfying andlucrative.

 Real estate is a tangible asset.

 Real estate has three basic categories-residential, commercial and industrial.

 It requires a lot of money to invest.

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6. Post Office Saving Schemes -

• Post Run by Central Government

• The post office savings account is a deposit scheme provided by the post office
throughoutIndia.

• The account can be transferred from one post office to another.

• A post office savings account requires a minimum balance of Rs. 20 to open the
account.

• The cash can be withdrawn either partly or completely if need be.

• Post Office Investments include a number of saving schemes that provide high
rate of interest as well as tax benefits and most importantly, carry the sovereign
guarantee of Indian Government. All these schemes are tax exempt under
Section 80c, i.e. tax exemption up to Rs. 1,50,000 is allowed. Some schemes
like Public Provident Fund (PPF), Sukanya Samriddhi Yojana (SSY), National
Savings Certificate (NSC), Post Office Time Deposit for a 5 Year Term and
Senior Citizen Savings Scheme (SCSS).

7. Public Provident Fund –

 Public provident fund is a popular investment scheme among investors

courtesy its multipleinvestor-friendly features and associated benefits.

 It is a long-term investment scheme popular among individuals who want to

earn high butstable returns.

 A minimum of Rs. 500 and a maximum of Rs. 1.5 Lakh can be invested in a
provident fundscheme annually.

 Indian citizens residing in the country are eligible to open a PPF account in
his/her name.

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8. Government Bond -

 A government bond is a debt security issued by a government to support

governmentspending and obligations.

 Government bonds can pay periodic interest payments called coupon payments.

 The multiple variants of Government bonds are below –

 Fixed-rate bonds

 Floating Rate Bonds (FRBs)

 Sovereign Gold Bonds (SGBs)

9. Insurance -

• The insurance sector is made up of companies that offer risk management in

the form ofinsurance contracts.

• The basic concept of insurance is that one party, the insurer, will guarantee
payment for anuncertain future event.

• Financial services offerings in this segment are primarily offered across two
categories:

• General Insurance (automotive, home, medical, fire, travel, etc.)

• Life Insurance (term-life, money-back, unit-linked, pension plans, etc.

India First Maha Jeevan Plan

The India First Maha Jeevan Plan is a non-linked insurance plan with bonus facility. It
offers life cover plus savings and helps to enhance the wealth of the policyholder with the
bonuses available under this policy. Protection is provided to the beneficiaries in case of
the untimely death of the life insured, while the policyholders themselves receive a lump
sum benefit if they survive the policy term.

8
India First Maha Jeevan - Key Features:

• This policy is a non-linked insurance plan that has both Maturity and Death Benefits.

• The policy helps increase the policyholder's wealth by may of the Terminal Bonuses
and SimpleReversionary Bonus.

• The nominee may receive up to ten times the annualized premium on the premature
policyholder's death. you can calculate the life insurance premium here

• The policyholder may opt for loan against his/her policy.

• Policyholders may choose to enhance their life cover with a rider that is available
under thispolicy.

India First Maha Jeevan - Benefits

• If the life insured outlives the policy's maturity date, he or she receives a maturity
benefit, which is equal to the guaranteed sum assured plus the simple reversionary
bonus and terminal bonus (if any).

• The beneficiary of the policy receives a death benefit in case of unfortunate death of
the insured person. The death benefit paid is the guaranteed sum assured plus the
accrued reversionary bonus and terminal bonus.

The death benefit is calculated as the following:

1. When the entry age is less than 45 years, the death benefit is the higher of sixteen
times the annualized premium or 100% of the Guaranteed Sum Assured plus the
Accrued Bonus and TermRider Sum Assured (if any).

2. When the entry age is 45 years or higher, the death benefit is the higher of seven
times the annualized premium or 100% of the guaranteed sum assured plus the
accrued bonus and term ridersum assured (if any).

• This policy provides Simple Reversionary Bonus and Terminal Bonus that are paid as
part of the Maturity Benefit or the Death Benefit.

9
 • Under the sections of Income Tax Act 80 C and 10(10D) Tax benefits can be availed.

India First Maha Jeevan - Policy Details

Grace Period: A limited time frame of 30 days is provided to the life insured as a grace
period during which the insured person can clear all the premiums. In case of failure of
premium paymentthe term of the policy discontinues. The timeframe for monthly mode of
payment is fifteen days.

Policy Termination or Surrender Benefit:

The policy may be surrendered after three years of 11 premium payment. If the premiums
of the policy are not paid for two full years, then the policy expires. If the policy is not
restored within the renewal period, the policy is terminated. The tenure of policy also
comes to an end when the maturity benefit or death benefit is paid to the insured.

Free Look Period:

From the starting date of policy issued, the insurance owner have a limited 15 days period
of free- look during which they can initiate policy cancellation if he/she did not read the
terms and conditions offered by the policy. The customer will receive the paid premium
and a proportionate premium for the risk borne by the company is subtracted, including
any add-on expenses, like medical examination or stamp duty charges.

Inclusions:

The insured can avail policy loan after the policy gains the surrender benefits, on the
condition thatthe loan amount does not exceed 90% of the surrender benefits.

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Additional Features or Riders

• Policyholders may opt for the India First term rider in order to enhance their life cover,
the additional Sum Assured of which is payable on policyholder's expiry. The Sum
Assured under the rider cannot exceed the life cover opted under the policy.

• The lapsed policy can be renewed if the insured person submits a request for renewal
of policy within a period of 2 years of timeframe from the date of the first unpaid
premium.

• If premiums for three policy years are paid, and subsequently the policyholder fails to
pay again during this period, then the policy acquires Paid- up Value.

Exclusions

The coverage of the term insurance is nullified if the life insured, ends his/her own life
seese can say if he/she commits suicide within 12 months from the date policy is issued
and comes into action. The insurer of the policy returns only 80% of the premium paid to
the beneficiary of the policy. In case, the policyholder does the same act within a year of
policy renewal then the nominee of policy would receive either the surrender benefits or
the 80% of the premium paid whichever is higher.

Documents Required

Apart from the 'Application form the applicant must submit his/her identity proof, address
proof, bank account proof, and a recent photograph. Selected cases may require income
proof and medical examination. You can also go for the online process for more
convenience

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 CHAPTER-2

RESEARCH METHODOLOGY

12
 CHAPTER-2 RESEARCH METHODOLOGY

TASK:-

As a part of the Summer Internship Program we have been assigned to generate new leads
for the product India First Life Maha Jeevan plan.

RESEARCH METHOD:-

This Exploratory research has been conducted through primary data. The data has been
collected through telephonic interview or questionnaire.

RESEARCH DESIGN:-

Geographical location: The geographical location taken for the purpose of data collection
and the research is Delhi.

Sample size: The sample size for collecting primary data is 200 out of which 50
respondents.

Data collection method:

Primary Data :- The data has been collected through telephonic interview, questionnaire.

Target group: The respondents consist of people youngsters who recently started earning.

OBJECTIVE:-

1. Understand consumer perspective towards various investment options offered by

the company

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Research methodology is the specific procedures or techniques used to identify, select,
process, and analyse information about a topic. Ina research paper, the methodology
section allows the reader to critically evaluate a study’s overall validity and reliability. It
is the way to systematically solve the research problem. Research methodology not only
talks of the methods but also logic behind the methods used in the context of a research
study and it explains why a particular method has been used in the preference of the other
methods.

Types of Research

On the basis of application: - Pure or Applied.

Pure Research: -Aims to advance technology mainly concerned with generalization and
formulation of a theory. It is conducted without a particular goal in mind. It is futuristic in
nature and results in universal principles through new ideas and innovative ways of
thinking. Time dimensions for pure research is flexible timescales.

Applied Research: - Aims at finding a solution for an immediate and specific problem
related to real life. It is conducted with a certain goal in mind. It Focus on problems at
hard rather than the ones that can rise in future and the results are in solution to the
problem. Time dimensions for applied research is tight timescales.

On the basis of Purpose: - Exploratory, Descriptive and Causal.

Exploratory Research: -To analyse the data and to explore the possibilities of obtaining
as many relationships as possible between different variables without knowing their end
applications. It is flexible or unstructured.

Researcher’s skill is observing and recording all possible information and impression.

Descriptive Research: - To describe the characteristics of objects, people, groups,

organizations, environment, situations, phenomenon or programmes. It is planned and
structured. It is also known as statistical research.

14
Causal Research: - To explain the cause-and-effect relationship. They are conducted
through the use of experiments. They are highly structured and sequential. Researcher’s
strong knowledge of theoretical background is required.

On the basis of research method: - Conceptual or Empirical.

Conceptual Research: - It is the study related to some abstract ideas or theory which is
conducted by observing and analysing already present information on a given topic. The
methodology is breaking down a theorem or concept into its constituent parts to gain a
better and deeper understanding of the issue concerning the theorem. The purpose is to
develop new concepts or to reinterpret existing ones in some new light.

Empirical Research: - It relies on experiences or observation alone. The objective is to

come up with conclusions which are capable of being verified by observation or
experiment. Hence these studies are often called experimental research. Evidences
gathered through experimental and empirical studies are today considered to be the most
powerful support for particular research.

Empirical research is appropriate when proof is sought that certain variables affect other
variables in some way.

SOURCES OF DATA

There are basically 2 sources of data:

• Primary Data

• Secondary Data

Primary data: - It is that data which is collected by a researcher from firsthand sources,
using methods like surveys, interviews, questionnaire or experiments. It is collected with
the research project in mind, directly from primary sources.

Secondary data: - The term is used in contrast with the term secondary data. This data is
collected by someone else for some other purpose (but being utilised by the investigator
for another purpose).This data is gathered from studies, surveys or experiments that have
been run by other people or for

15
other research. Eg: - Books, magazines, newspaper, trade journals and public records

Sources of data used in this project: -

An Exploratory Study was carried out during this study. It used the data collected to
analyze the customer satisfaction level towards the company.

Primary Data was collected through a formal questionnaire, addressed to customers of

the company throughout Delhi & NCR. The questionnaire was distributed through an
online link.

Secondary Data was used in a lesser proportion to find out about the company.
Secondary data provided a lot of information and was collected through internal records
of company and company website.

Sampling technique:

Convenience sampling

Sampling unit:

Customers in flooring industry

Sample size:

50 individuals of Salaried employees of Delhi & NCR

Research location: Delhi & NCR

Qualitative Research: - It is an inquiry process that helps in-depth understanding of the

problem or issues in their natural settings.

Qualitative research is based on words, feelings, emotions, sounds and other non-
numerical and techniques. It is heavily dependent on the researcher’s experience and the
questions asked for an investigation.

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POPULATION:

Population is a collection of items of interest in research. The population represent a

group that you wish to generalize your research to. The symbol ‘μ’ represents the
population mean. Under this study, population includes each and every customer who is
having bank accounts and also employee because they have a salary account.

SAMPLE:

It is a group of people, objects, or items that are taken from a larger population for
measurement. It should be representative of the population to ensure that we can
generalize the findings from the research sample to the population as a whole.

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 CHAPTER 3:-

DATA PRESENTATION AND ANALYSIS

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 CHAPTER 3:- DATA PRESENTATION ANDANALYSIS

Data analysis is the process of inspecting, organizing, transforming, and modeling data
with the goal of finding useful information, making conclusions, and supporting decision
making. Analysis means decomposing the whole into individual components for individual
testing. Data analysis is the process of obtaining raw data and transforming it into
information that is useful for decision-making. Collection and analysis of data to answer
questions, verify hypotheses, orcontradict theory is a part of the process of analysis.

1. Age profile of investors

Age profile of Investors

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14
NUMBER OF PEOPLE

12
10
8
6
4
2
0
LESS THAN 19-30 31-40 41-50 51-60 61&ABOVE
18 YEAR
AGE GROUP

INTERPRETATION: Majority of people are belonging to the age group of 41-50 than the
younger onewho likes to invest age group of 19-30.

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2. OCCUPATION PROFILE OF INVESTOR

INTERPRETATION: maximum of investors are from private sector followed by the business,
fewinvestors are those who working in government sector.

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3. INVESTMENT AVENUE PREFERRED BY THE INVESTOR

BANKING SECTOR
MUTUAL FUNDS
REAL ESTATE GOLD
12%
20% PUBLIC PROVIDENT FUND
6%
GOVERNMENT BONDS
8% INSURANCE
18% STOCK MARKET
8%
POST OFFICE SCHEME
6% 12%
10%

INTERPRETATION: Majority of the investors prefer investing in Banking sector followed by

insurance,than real estate or gold.

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4. MONTHLY INCOME PROFILE OF INVESTOR

MOTHLY INCOME OF INVESTORS

12
NUMBER OF PEOPLE

10
8
6 11 12
10
4 7
5 5
2
0

MONTHLY INCOME

INTERPRETATION: The monthly income profile of the investor reflects that most of the
investor belongs to the income level of Rs 40,001-50,000 followed by of the investors belong to
the incomegroup of Rs 30,001 to Rs 40,000.

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5. Time duration preferred by the investor for investment.

TIME DURATION PREFERRED BY

INVESTOR
short period

long period

INTERPRETATION: Majority of people wants to invest their money for a longer period where
as few ofthem wants to invest their money for shorter period.

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6. TYPE OF RETURN PREFERRED BY INVESTOR

TYPE OF RETURN PREFFERRED BY

INVESTOR

38%
FIXED RETURN
FLUCTUATING RETURN
62%

INTERPRETATION: Maximum (62%) of people wants to invest in which they receive fixed
return whereas (38%) people wants fluctuating return.

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7. Importance of liquidity in the Investment

IMPORTANCE OF LIQUIDITY IN
INVESTMENT

25
NUMBER OF PEOPLE

20
15
10
5
0
LOWEST 1 2 3 4 HIGHEST 5
RATING

INTERPRETATION: Maximum people consider liquidity to be very important while making an

investment, but believed it is not the single most important factor while considering an investment.

25
8. IMPORTANCE OF HIGH RETURN IN INVESTMENT

IMPORTANCE OF HIGH RETURN IN

INVESTMENT

20
NUMBER OF PEOPLE

15

10

0
LOWEST 1 2 3 4 HIGHEST 5
RATING

INTERPRETATION: Maximum of people consider Higher returns to be very important factor

while making an investment. Everyone believed Higher Returns to be an important factor while
making an investment.

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CHAPTER – 4:

CONCLUSION

27
 CHAPTER – 4: CONCLUSION

The summer internship project plays an important role in management education where
students get a golden opportunity to apply his knowledge and learning gained from
classroom lectures in practical business environment. I have also learnt a lot by my
Internship at The Leading Solution. This research has been done to study consumer
perspective towards various Investment sectors in The leading solution. The people in
DELHI still prefers to invest in the bank’s FD and RD. People having knowledge about
investment market invests in other investment options also. But maximum people still
prefer to invest in known investment options like. There is high knowledge about Bank of
Baroda but people were not aware about the investment bond and there are some people
who are aware about it but they are not aware about the many benefits that comes with the
product. People were usually impressed with the features of the product but due to
pandemic they were facing financial problems so after being interested in the product they
weren’t able topurchase the product.

FINDING

 Majority of people belong to the private sector followed by businessman and other.

 Majority of the people preferred investing in banking sector followed by Insurance,

Gold and Post Office.

 The monthly income profile of the investors belong to income group of Rs. 30,000 –
40,000.

 Majority of the people were aware of India First Mahajeevan Plan.

 People considered liquidity to be important factor but believed it is not the only
factor with respect to investment.

 Majority of the people usually preferred to invest in bank FD’s and RD’s. They think
that it is easy and safe process for investment.

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 LEARNING OUTCOME

 It has been observed that there are many investment avenues for the current
generation, ranging from most conservative options such as FD’s, RD’s , Gold to the
contemporary options.

 Strict control of Government, and makes strict laws to secure the investment of the
people to regulate financial market which makes an investor secure in our country.

 One needs to have a sound financial knowledge.

2.

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 CHAPTER – 5:

SUGGESTIONS AND LIMITATIONS

30
 CHAPTER – 5: SUGGESTIONS AND LIMITATIONS

SUGGESTIONS

 It has been observed that there are many investment avenues for the current
generation, ranging from most conservative options such as FD’s, RD’s , Gold to the
contemporary options.

 Strict control of Government, and makes strict laws to secure the investment of the
people to regulate financial market which makes an investor secure in our country.

 One needs to have a sound financial knowledge.

LIMITATIONS

 The field work for the purpose of research was limited of Delhi city only. Therefore,
it may not represent the overall consumer’s perceptions as consumers perceptions
may vary from place to place due to demographic factors.

 The research was carried out in a short period. Therefore, the sample size and the
parameters were selected accordingly so as to finish the work within the given time
frame.

 Due to COVID-19 everyone was facing cash crunch so people who liked the product
was not able to invest in the product because of the financial problem.

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 BIBLIOGRAPHY AND REFERENCES

Books:

 Security analysis & portfolio Management by Ranganatham

(ISBN-10: 9788131759202, ISBN-13: 978-8131759202, ASIN: 8131759202)

 From The leading solution’s Members

 Articles on different investment options in India.

 Customer’s views on different investment options.

Website:

● http://www.theleadingsolutions.com/

● https://tradebrains.in/best-sectors-for-long-term-investment-in-india/

● https://www.investindia.gov.in/sectors

● https://www.financialexpress.com/money

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● https://www.nitinbhatia.in/stocks/

● https://www.ibef.org/economy/domestic-investments

● https://www.reliancesmartmoney.com/stocks/

● https://cleartax.in/s/investments

● https://capitalante.com/best-sectors-to-invest-in-india-for-long-term/

● https://www.moneycontrol.com/promo/mc_interstitial_dfp.php?size=1280x540

● https://economictimes.indiatimes.com/

● https://www.bseindia.com/

● https://www.equitymaster.com/

Questionnaire

ANNEXURE

Disclaimer:

I am an MBA student from Maharaja Agarsain University, Delhi, researching about the
consumer perspective towards various investment sector. You are required to be
completely honest and truthful. This willbe used for academic purpose only.

1.Name -------------------

2.Gender

(a) MALE (b) FEMALE (c)OTHER

3.Age

(a) 18YRS&below (b) 19-30 (c) 31-40

(d) 41-50 (e) 51-60 (f) 61&above

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4. Occupation Profile of Investor?

(a) Government sector (b) Private sector (c)

Business

(d) Agriculture (e) Others

5. Investment Avenue preferred by the investor?

(a) BANKING (b) STOCK MARKET (c) GOVERNMENT BONDS

(d) INSURANCE (e) MUTUAL FUNDS (f) POST OFFICE SCHEMES

(g) GOLDFUND (h) REAL ESTATE (i) PUBLIC PROVIDENT

6. Monthly Income profile of Investor?

(a) 20,000-30,000 (b) 30,001-40,000 (c) 40,001-50,000

(d) 50,001-60,000 (e) 60,001-70,000 (f) 70,001 and Above

7. Time duration preferred by the investor for investment?

(a) short period (1 year or below) (b) long period (more than one year)

8. Which type of returns you want?

a) Fixed return (b) fluctuating return

9. On a scale of 1 to 5 rate the importance of liquidity in the investment. (1 being

the lowest and 5 being the highest)

34
(a) 1 (b) 2 (c)3 (d) 4 (e) 5

10. On a scale of 1 to 5 rate how important is higher return. (1 being the lowest
and 5 being the highest)

(a) 1 (b) 2 (c)3 (d) 4 (e) 5.

35