INTRODUCTION

Whether its retiring early, saving for childrens education, paying off a loan or to live a secured and satisfied life everyone has dreams they can achieve by investing

their savings. However, the question that arises is that, should one leave his money tucked away in the bank or plough it into the stock market where the potential for higher returns is greater but the chances of losing money is higher? Deciding where to invest depends on one`s attitude towards risk (one`scapacity to take risk and one`s tolerance towards risk) and the investment horizon and non-availability of guaranteed-return investment products. In such a scenario, investing in equity, which offers returns that are higher than the inflation rate, help to build wealth and to improve the standard of living. India is a developing economy .its prospering in all spheres. Share market is a compelling determinant of the economy and the financial situation of a country. Ever since the liberalization,

privatization and globalization, the foreign investment in our country is booming. Share market is a clear indicator of the developing trend prevailing in our country.Statistics reveal that the trade volume has been increasing continuously, downs which is a nature of share trading. We are living in an interlinked world.with the growing volume of trade ,it has become a necessity that people are aware of the intricacies of the web world. SENSEX the benchmark indicator of share trading has more than tripled ever since on line share trading commenced.it has become imperative to be a participant of this mode of trading .Recently,the crisis in the financial market resulted in global inflation. the share market was a clear indicator of the prevailing prices .Share trading is a way of faster earning and losing years,avolatile market could be witnessed. In the desire to earn money in a quick manner,mor e and more people have ventured out into share trading. Lack of awareness of many

investors have made them loose lakhs of money in the stock market. Wise plays by many others have made them earn in crores.Where the American NASDAQ is in the commanding position ,hongkong, Tokyo etc are some of the asian exchanges being quoted repeatedly when it comes to news about the share market. SENSEX is not far behind.indian bourses are also often quoted.Electronic trading or online trading eliminates the need for physical

trading floors. brokers can trade from their offices, using fully automated screen based processes. Their workstations are connected to a stock exchanges central computer via
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satellite using Very Small Aperture Terminus(VSATs). The orders placed by brokers reach the exchanges central computer and are matched electronically.

Share
A stock exchange ,share market or bourse is a corporation or mutual organization which provides facilities for stock brokers and traders ,to trade company stocks and other securities . Stock exchanges also provide facilities for the issue redemption, as well as, other financial instruments and capital events including the payment of income and dividends . The securities traded on a stock exchange include: shares issued by companies

,unit trusts and other pooled investment products and bonds .To be able to trade a security on a certain stock exchange, it has to be listed . Usually there is a central Location at least for record keeping, but trade is less and less linked to such a physical place, as modern markets are electronic networks, which gives them advantages of speedand cost of

transactions. Trade on an exchange is by definition done in the primary market and subsequent trading is done in the secondary market. Supply and demand in stock markets is driven by various factors which, as in free markets, affect the price of stocks(see stock valuation).There is usually no compulsion to issue stock via the stock exchange itself, nor must stock be subsequently traded on the exchange. Such trading is said to be off exchange or over-the-counter .This is the usually way that bonds nare traded. Increasingly more and more stock exchanges are part of a global market for securities.

The role of the stock exchange

Raising capital for businesses The stock exchange provides companies with the facility to raise capital for expansion throug h selling shares to the investing public. Mobilizing savings for investment When people draw their savings and invest in shares, it leads to a more rational allocation of resources because funds, which could have been consumed, or kept in idle deposits with banks are mobilized and redirected to promote business activity with benefits for several economic growth and higher productivity levels.
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Facilitate company growth

Companies view acquisitions as an opportunity to expand product lines ,increase distribution channels, hedge against volatility, increase its marketshare, or acquire other necessary busine ss assets. A take over bid or a merger agreement through the stock market is one of the simplest and most common ways to company growing by acquisition or fusion.

Redistribution of wealth
By giving a wide spectrum of people a chance to buy shares and therefore become partowners (shareholders) of profitable enterprises the stock market helps to reduce large income inequalities .Both casual and professional stock investors through stock price rise and dividends get a chance to share in the profits of promising business that were set up by other people.

Corporate governanceBy having a wide and varied scope of owners ,companies generally tend toimprove on their management standards and efficiency in order to satisfy thedemands of these shareholders an d the more stringent rules for public corporations by public stock exchange and

the government . Consequently, it is alleged that public companies (companies that are owned by shareholders who are members of the general public and trade shares on public exchange) tend (those companies to have better management records than privately-held companies are not publicly traded,often owned by

where shares

the company founders and /or their families and heirs , or otherwise by a small group of investors). However , some well-documented cases are known where it is alleged that their has been considerable slip age in corporate governance on the part of some public companies .

Creates investment opportunities for small investors

As opposed to their businesses that require huge capital outlay , investing in shares is open to both the large and small stock investors because a person buys the number of shares they can afford . Therefore the Stock Exchange provides an extra source of income to small savers.
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Government raises capital for development project

Governments at infrastructure various levels may decide to borrow money in order to finance

projects such as sewage and water treatment works or housing estates

by selling another category of securities known as bonds .These bonds can be raised through the Stock Exchange whereby members of the public buy them ,thus loaning money to the government . The issuance of such municipal bonds can obviate the need to directly tax the citizens in order to finance development ,although by securing such bonds with the full faith and credit of the government instead of with collateral , the result is that the government must tax the citizens or otherwise raise additional funds to make any regular coupon payments and refund the principal when the bonds mature.

Barometer of the economy

At the stock exchange, share prices rise and fall depending, largely , on market forces. Share prices rise tend to rise or remain stable when companies and the economy in general show signs of stability and growth .An economic recession ,depression , or financial crisis could eventually lead to a stock market crash .Therefore the movement of the general tend in the economy .The listing requirements are the set of conditions imposed by a given stock exchange upon companies that want to be listed on that exchange. Such conditions sometimes include minimum number of shares outstanding , minimum market capitalization ,and minimum annual income.

About Reliance Money in brief

Reliance money is a part of the reliance Anil Dhirubhai Ambani Group and is promoted by Reliance capital, the fastest growing private sector financial services company in India, ranked amongst the top 3 private sector financial companies in terms of net worth. Reliance money is a comprehensive financial solution provider that enables you to

carry out trading and investment activities in a secure, cost-effective andconvenient manner. Through reliance money, you can invest in a wide range of asset classes from Equity , Equity and commodity Derivatives, Mutual Funds,insurance products, IPOs to availing ser vices of Money Transfer & Money changing. Reliance Money offers the convenience of online and offline transactions through a variety of means, including its Portal, Call & Transact, Transaction Kiosks and atits network of affiliates. Some key steps of the company that are as..Success is a journey, not a destination. If we look for examples to prove this quote then we can find many but there is none like that of Reliance Money. The company which is today known as the largest financial service provider of India.

Success sutras of Reliance Money:

The success story of the company is driven by 9 success sutras adopted by it namely Trust, Integrity, Dedication, Commitment, Enterprise, Hard work, Home work,Team work play, Learning and Innovation, Empathy and Humility and last but not the least its the Network . These are the values that bind success with Reliance Money.

Vision of Reliance Money

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.

Mission statement
Our mission is to be a leading and preferred service provider to our customers, and we aim to achieve this leadership position by ethics. building an innovative enterprising, and

technology driven organization which will set the highest standards of service and business

Equity
Reliance Money offers its clients competitively priced Equity broking, PMS and Portfolio Advisory Services. Trading execution assistance provided to clients.

Inaddition Reliance Money provides independent and unbiased view on marketsalong with tr ading strategies and entry / exit points for taking an informeddecision.

Mutual Funds
A mutual fund is a professionally managed fund of collective investments that collects money from many investors and puts it in stocks, bonds, short-term money market instruments, and/or other securities. Reliance Money offers dedicated research & expert advice on Mutual Funds.Mutual funds

are considered to have low risk factors owing to diversification of assets into various sectors and scripts or instruments within. A mutual fund is a common pool of money into which investors place their contributions that are to be invested in acoordance with a stated objective.Then the ownership of the fund is just joint and mutual; the fund belongs to all investors.
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INSURANCE
Life-Insurance Reliance Money assists its clients in choosing a customized plan which will secure the familys future and their expenses post-retirement. Clients can choose from different plans of almost all Insurance Companies where they can invest their money. Clients can choose from products and services that channelise their savings and protect their needs while guaranteeing security and returns for life. A team of experts will suggest the best Insurance scheme which suits the clients requirement. General Insurance General Insurance is all about protecting against all kind of insurable risks.RelianceMoney assists you in areas of Health insurance, Travel insurance, Home insurance and Motor insurance.

Commodities
A single platform to trade on both the major commodity exchanges i.e. NCDEX and MCX. In addition In-house research desk shall provide research reports on all major commodities which shall enable in getting views for trading and diversify clients holdings. Trade Execution assistance is also provided to clients.

Structured Products, Art Investments

Structured Products is a new class of financial products for investors apprehensive of increased volatility in stock markets. Specially designed products could include Equity, Index-linked in nature, Real Estate Funds, Art Funds, Overseas, Investments, and, Infrastructure Investments.

Tax Planning
With a view to provide complete wealth management solutions, Reliance Moneys wealth management offerings include tax related services like: Tax Planning & advisory Filing Tax returns for individuals

Real Estate Advisory Services

Broking Model for lease/rent and buy/sell of property Property Valuation Real-estate Consulting Corporate earnings model, Lease rentals, etc.

Offshore Investments
Reliance Money provides a unique opportunity to invest in international financial markets through the online platform which includes different product ranges.

My Work At Reliance Money

At RELIANCE MONEY , initially we were imparted process and product knowledge. We were given sufficient time to know about the products and also about sales and distribution channel. We had to work with the sales representatives of the Distributor and think of ways of improving the sales and distribution channel and implementing them .The main aim was to increase sales and for this different ways we retried and implemented. 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. Initially they even accompanied sales

representatives to the clients place. Main objective was to know the need of the customer and how to fulfill that in the best way.This experience helped me to understand the basic functioning of the Reliance Money as a Broking House and I came to know the products of Reliance Money. The Training Sessions were held by different persons from organization. we were assigned targets to open DEMAT account of reliance money.These training gave me an insight into the products that Reliance Money deals in. The best learning experience was that I started from the very basics of getting to that position and not from the position itself. This helped me get useful insight and understanding of various financial products, the market details about them and the benefits provided by them to the customers. With the end of 8 weeks every phase was completed and it gave us the real experience of retail as well as corporate world. COMPETITORS OF RELIANCE MONEY: Reliance Money serves a vast range of all financial products like

advisoryservices, Mutual funds, DEMAT Accounts, Insurances, Gold etc, so all thecompanie s who offer these services are the competitors of the Reliance Money.There are many competitors for Reliance Money on this basis and almost all of them offer the services which Reliance Money offers. Few Major competitors are: India bulls Anand Rathi securities
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ICICI Securities. Sharekhan Kotak Securities India Infoline

INDIA INFOLINE LTD

India Infoline Ltd is listed on both the leading stock exchanges in India, viz. The Stock Exchange, Mumbai (BSE) and the National Stock Exchange (NSE). The India Infoline group, comprising the holding company, India Info line Ltd and it subsidiaries, straddles the entire financial services space with offerings ranging from Equity research, Equities and derivatives trading, Commodities trading, Portfolio Management Services, Mutual Funds, Life Insurance, Fixed deposits and other small savings instruments to loan products and Investment banking. India Infoline also owns and manages the websites.India Infoline Limited is listed on both the leading stock exchanges in India,viz. the Stock Exchange, Mumbai (BSE) and the National Stock Exchange (NSE)and is also a member of both the exchanges. It is engaged in the businesses of Equities broking, Wealth Advisory Services and Portfolio Management Services. It offers broking services in the Cash and Derivatives segments of the NSE as well as the Cash segment of the BSE. It is registered with NSDL as well as CDSL as adepository participant, providing a one-stop solution for clients trading in the equities market. It has recently launched its Investment banking and Institutional Broking business.

INDIA INFOLINE SECURITIES PVT LTD

India Infoline Securities Pvt Ltd is a 100% subsidiary of India Infoline Ltd, which is engaged in the businesses of Equities broking and Portfolio Management Services. It offers broking services in the Cash and Derivatives segments of the NSE as well as the Cash segment of the BSE.

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ICICI SECURITIES
ICICI Securities, A subsidiary of ICICI Bank, was set up in February 1993to provide investment-banking services to investors in India. As on date ICICI Bank holds 99.9% of the share capital of ICICI Securities.ICICI Securities Limited is Indias leading full service investment bank with adominant position in all segments of its operations Corporate Finance Fixed Income and Equities.

KOTAK SECURITIES
Kotak Securities Limited, a 100% subsidiary of Kotak Mahindra Bank,

isthe stock broking and distribution arm of the Kotak Mahindra Group. Kotak Mahindra is on e of India's leading financial institutions, offering completefinancial solutions that encompass every sphere of life. From commercial banking,to stock broking, to mutual funds, to life insurance, to investment banking, the group caters to the financial needs of individuals and corporate. Kotak also offers stock broking through the branch and Internet, Investments in IPO, Mutual funds and Portfolio management service.

INDIABULLS
Indiabulls is Indias leading Financial Services and Real Estate Company having over 640 branches all over India. India bulls serves the financial needs of more than 4,50,000 customers with its wide range of financial services and products from securities, derivatives tr ading, depositary services, research &advisory services, consumer secured & unsecured credit, loan against shares and mortgage & housing finance. Indiabulls Financial Services Ltd is listed on the National Stock Exchange, Bombay Stock Exchange.

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TRADING PORTAL
Online trading refers to buying and selling of theshares/stocks/contracts/bonds with the use of internet. In this shares are not issued in physical form rather they are transferred in the Dematerialized form in the DEMAT account directly. The project dealt with field like: DEMAT ACCOUNT RELIANCE DEMAT ACCOUNT OVERVIEW OF DEMAT ACCOUNT 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 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. What are the benefits of opening a Demat account? 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 scripsto be settled in DEMAT mode. Although, trades up to 500 shares can be settled in physical form,

physical settlement is virtually not taking place for the apprehension of bad delivery on account of mismatch of signatures, forgery of signatures,fake certificates, etc. It is a safe and convenient way to hold securities compared to holding securities in physical form. No stamp duty is levied on transfer of securities held in DEMAT form. Instantaneous transfer of securities enhances liquidity. It eliminates delays, thefts, interceptions and subsequent misuse of certificates.
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Change of name, address, registration of power of attorney ,deletion of deceased's name, etc. - can be effected across companies by one single instruction to the DP. Each share is a market lot for the purpose of transactions so no odd lot problem

Any number of securities can be transferred/delivered with one delivery order. Therefore, paperwork and signing of multiple transfer forms is done away with. It facilitates taking advances against securities on low margin/low interest. DEMAT ACCOUNT There are many broking houses doing business in India and

theycharge a brokerage on every transaction made online or offline.(Buying and Selling are tr eated as separate transaction). RelianceMoneys advantage over others is hat its charging the lowest brokerage in the market which is just 1 paisa on every executive trade irrespective of the volume traded. Reliance Money, the brokerage and distribution arm of Reliance ADA Group, aims to tap investors in the smaller towns and cities through a flat fee structure. The current leaders in the retail broking segment like ICICI Direct, India Info line and India bulls offer a pay per use model where the customer pays a percentage of the amount transacted by him. Reliance Moneys brokerage rates are quite competitive. The new wonder is Reliance Money's pre-paid card for stock market

brokerage. Reliance Money, the financial services division of Anil Dhirubhai Ambani Grouppromoted Reliance Capital, is bringing to the market pre-paid cards in denominations of Rs500, Rs1000,Rs2500,Rs 5000,Rs 10000.These cards would offer brokerage at one-third of the rate being charged by institutional and individual brokerage houses. Sample this.For a pre-paid card worth Rs500, an investor can trade up to Rs2 lakh in both non delivery and delivery option. The Rs1000 worth pre-paid card, total trading limit would reachRs 1 crore, of which Rs 90lakhs is for the non delivery segment andRs10 lakh for delivery-based activities. For Rs2500 pre-paid card, total trading limit is fixed at Rs3crore,of which Rs2.70crore is for the non delivery option and Rs 30lakhs for delivery option, For the Rs 5000 pre-paid card, the total trading limit is Rs 7crore,out of which Rs 6.30crore is for non delivery option and Rs 70lakhs for delivery option.For the Rs.10000 pre paid
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card,the total trading limit is

Rs20crore ,out of which Rs 18 crore is for non delivery option and Rs 2crore for delivery option.Reliance Money offers most competitive brokerage rates - 0.01paise for intraday trades and 0.05paise for delivery trades.Target low level of retail penetration in India - less than 3 per cent of household financing savings makes it into equity markets. Reliance Money consumers can trade in equities, commodities and offshore Investments , IPOs, Mutual Funds, Insurance, Money transfer and Money Changing - all through single window, both off-line and online. Reliance Money has already tied-up with CMC Capital Plc UK to

offer offshore Investment products to Indian consumers as per guidelines.

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PROCEDURE
1. Fill DEMAT request form (DRF) (obtained from a depository participant or DP with whom your depository account is opened). 2. Deface the share certificate(s) you want to dematerialize by writing across Surrendered for dematerialisation. 3. Submit the DRF & share certificate(s) to DP. DP would forward them to the issuer / their R&T Agent. 4. After dematerialisation, your depository account with your DP, would be credited with the dematerialised securities.

RELIANCE MONEY DEMAT ACCOUNT SERVICES

Reliance Money Transacting and investing simplified. Get ready to change the way you transact and invest in financial products and services. Whether you wish to transact in equity, equity & commodity derivatives, IPOs offshore investments or prefer to invest in mutual funds, life & general insurance products or avail money transfer and money changing services, you can do it all through reliance money. Simply open a reliance money account and enjoy the convenience of handling all your key financial transactions through this one window.

BENEFITS OF HAVING A RELIANCE MONEY ACCOUNT

Its cost effective- You pay comparatively lower transaction fees. As an introductory offer, we invite you to pay a flat fee of just Rs. 500/- and 750/- and transact through reliance money. This fee is valid for two months or a specified transaction value

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The table below for details.

Plans A B C D E

Card Value 500 1000 2500 5000 10000

Trading Limit 2 Lakh 1 Crore 3 Crore 7 Crore 20 Crore

Validity 1 Year 2 Month 6 Month 1 year 1Year

Its offers single Through reliance moneys associates, you can 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.

Its convenient - You can access reliance moneys services through The internet Transaction kiosks The phone (calls & transact) 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. Its Safe your account is safeguarded with a unique security number that changes every 32 seconds. This number works as a dynamics password to keep your account extra safe.

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You get your own DEMAT account with reliance capital at an annual fee of just Rs. 50/-. Its provides you a DEMAT account provides you a 3-in-1 facility You can access your banking, trading and DEMAT account through a single window and transfer funds across accounts seamlessly. It provide you value- added services. At www.reliancemoney.com, you get Reliable research, including views of external experts with an enviable track record Live news updates from Reuters and Dow Jones CEOs / expert views on the economy and financial markets Tools that help you plan your investments, tax, retirement, etc. 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

Convenient trading/investments Kiosks (similar to ATMs).

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Reliance Money Provide the kiosks (similar to ATMs) Facilities, to their customer through which the customers can trade on available kiosks at the particular Branch of Reliance Money. The company is going to open these kiosks in the market as the ATMs of the Banks. Reliance Money provides 3 different trading platforms for equity trading: Insta Trade Fast Trade Easy trade The benefits A safe and convenient way to hold securities; Immediate transfer of securities; No stamp duty on transfer of securities;
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Elimination of risks associated with physical certificates such as bad delivery, fake securities, delays, thefts etc.; Reduction in paperwork involved in transfer of securities; Reduction in transaction cost; No odd lot problem, even one share can be sold; Nomination facility; 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;

Transmission of securities is done by DP eliminating correspondence with companies; Automatic credit into DEMAT account of shares, arising out of

bonus/split/consolidation/merger etc. Holding investments in equity and debt instruments in a single account.

REQUIRED DOCUMENTS
The extent of documentation required to open a DEMAT account may vary according to your relationship with the institution. If you plan to open a DEMAT account with a bank, a savings, current and, or other account for which the holder have been issued a check book, such holder has an edge over the non-account holder. In fact, banks usually offer additional incentives to customers who open a DEMAT account with them. Along with the application form, your photographs (with co-applicants) and proof of identity/residence/date of birth have to be submitted. The DPs also ask for a DP-client agreement to be executed on non-judicial stamp paper. Here is a broad list: A canceled check, Proof of Identification Proof of Address Proof of Pan Card (mandatory)

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Recent photographs, one and, or more For proof of identification and, or address selfattested 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.

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OBJECTIVE OF RESEARCH
The main objective of this project is concerned with getting the opinion of people regarding the advantage DEMAT account To explore the general opinion about the products and services provided by Reliance Money. To collect the real time information about preference level of customers using DEMAT account.

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Scope Of The Study

The research was carried out in jalandhar city only. I have visited people randomly nearby my locality ,college students, teachers and my pg mates.

Sources of data
The required data is collected both from primary as well as secondary sources.

Primary sources: the primary data was collected through structured unbiased
questionnaire.

Secondary sources: secondary data is the data,which is collected and complied for
different purposes,which are used in research for this study.the secondary data includes material collected from internet.

Size of samples
The overall sample involved in study consisted of 30 individuals. Keeping in view the limited resources of time ,a limited samples of individuals .The data was collected with the help of the questionnaire herself by the researcher. The sample size in this project is 30.

Method used for analysis of data.

After the data have been collected then researcher turns to the task of analyzing them.the analysis of data requires a number of closely related operations such as establishment of categories to raw data through coding,tabulation and then drawing statistical inferences.

INTERPRETATION
The interpretation is done on the basis of the analyzed data and some recommendations are given to fill the loopholes of the actual scenario.
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DATA ANALYSIS AND INTERPRETATION

The research is conducted for finding the solution of the problem.so to find the solution of the problem data analysis and interpretation is must.There are some question related to this research to interpret the result. The sample size in this study consisted of 30 individuals and data analyzed from the responses of these 30 individuals. 1. Do You Have Trading Account in Reliance money?

Response Yes No Total

No.Of Responses 22 8 30

% Of Responses 73.3% 26.7% 100%

No27%

Yes 73.30%,

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INTERPRETATION 73% of respondents are having Demat Account and 27% are not having. 2) Are You Aware Of Online Trading? Responses Yes No Total Number Of Responses 18 4 22 % Of Responses 82% 18% 100%

No18%

Yes 82%

INTERPRETATION: With the increase in cyber education, the awareness towards online share trading has increased by leaps and bounds. This awareness is expected to increase further with the increase in Internet education.

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Q3) In Which Of These Financial Instruments Do You Invest Into? Preferences of investment Mutual funds Online trading Bonds Derivatives Total No of respondents 10 4 6 2 22 % of respondents 45% 18.18% 27% 9% 100%

9%

Mutual Fund 27% 45% Bond Online Trading Derivatives

18%

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

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4) Do You Know About All The Facilities Provided By Reliance Money? Facilities provided Yes No Total No.of respondents 4 18 22 % of respondents 18.18% 82% 100%

18%

yes

No

82%

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 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.

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5) Which Company Provide A Less BROKARAGE RATE ? Company name RELIANCE MONEY HDFC ICICI TOTAL No. Of responses 15 4 3 22 % of responses 68.18% 18.18% 13.6% 100%

13% Reliance money 18% HDFC 68% ICICI

INTERPRTETATION 68%have respondent of Reliance Money, where as 18% have respondent of HDFC & 13% of ICICI provide brokarage rate.

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6) Which Is Your 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 Total 22

100%

9% High return and high risk Tax benefits Short term gain from investment

18%

73.00%

INTERPRETATION 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.

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7) Which Company Provide You A Large Number Of Products And Services? Company Name Reliance Money HDFC ICICI Total No.of respondents 18 3 1 22 % of respondents 82% 14% 5% 100%

5% 14% Reliance Money HDFC ICICI 82%

INTERPRETATION:82% have respondent of Reliance Money, 14% have respondent of HDFC,5% have

respondent of ICICI.

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8) Are You Satisfied With The Current Broker? Satisfaction with current Yes No Total No. Of respondents 16 6 22 % of respondents 73% 27% 100%

27%

YES NO

73%

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.

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9) How Often Do You Trade? Trading Monthly Weekly Yearly Daily Total No. of respondents 12 5 3 2 22 % of respondents 55% 23% 14% 9% 100

10%

17% 50%

Monthly Weekly Yearly 23% Daily

INTERPRETATION: Inspite 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 skepticism 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.

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10) What Are The Problems Faced During Trading? Problems Faced Network Problem Information Related Problem Manual Operating Problem 2 Service Provide Problem Total 5 22 6% 17% 100% No.of respondents 4 11 % of respondents 15% 60%

17%

17%

6%

network problem Information Related problem Manual operating problem Service provide problem

60%

INTERPRETATION: 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.

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11)Are You 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%

poor 18% very good40% average 23%

good 14%

Interpretation: This pie chart shows that most of the people are satisfied with the demat account.

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FINDINGS
Various findings of this research report are as follows: 1. 73% of the people are having Trading account 2. People are much aware of online trading 3. People preferred to invest their money mainly in mutual funds. 4. People are not much aware of facilities provided in reliance money. 5. 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. 6. Reliance money provides a large number of product and services. 7. Reliance money provides less brokerage rate. 8. Respondents are highly agreed that they are satisfied with trading account.

SUGGESTIONS
1. Rs950 account opening charges are too high when targeting a corporate so the company should be flexible on this amount. 2. Company should have a scheme of rewards and recognition to employees and the field persons to boost their motivation. 3. There must be proper advertisement of the company by various media like Exhibition, Press releases, Newspaper, and Television etc.

LIMITATIONS
The project has been subject to the following limitations: 1. The study was restricted to Reliance Money Limited to only in jalandhar city. 2. The study is conducted with the data available and the analysis was made accordingly. 3. It was tough to get all relevant facts from the personnel and employees. 4. 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. 5. It is not feasible to compare all the products of various brokerage firms.
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CONCLUSION
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.

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BIBLIOGRAPHY

Books Market Research ( Naresh Malhotra) Marketing Management ( Philip Kotler) Websites: http://www.scribd.com/doc/30064241/Project-Reliance-Demat-AccountsSAtyendra http://www.moneycontrol.com/stockmarketsindia/ http://www.rsec.co.in/products-and-services/financial-services/trade-withus/demat-account-opening-representative

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QUESTIONNAIRE
I am sukhjeet kaur a student of MBA from KCL IMT,JALANDHAR .If u have TRADING ACCOUNT in reliance money so you are required to fill this questionnaire to enable me to undertake the study on the said project .

Name: Contact no: Occupation : Address: Gender: a. Female b. Male Your annual income? a. 0-4,00,000 b. 4,00,001-8,00,000 c. 8,00,001-12,00,000 d. 12,00,001-15,00,000

1)Do You Have Demat And Trading Account? Yes No

2) Are You Aware Of Online Share Trading?

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Yes

No

Q3) In Which Of These Financial Instruments Do You Invest Into? Financial Istuments Mutual Funds Bonds Online Trading Derivative 4) Do You Know About The Facilities Provided By Reliance Money? yes No Please tick

5) Which Company Provide A Less BROKARAGE RATE ? Company Name Reliance Money HDFC ICICI 6) Which Is Your Preference Of Investing In Stock Market? Preference Of Investing High Return And High Risk Tax Benefits Short Term Gain From Investment 7) Which Company Provide You A Large Number Of Products And Services? Company Name Reliance Money HDFC
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Please tick

Please tick

Please tick

ICICI

8) Are You Satisfied With The Current Broker? Yes No

9) How Often Do You Trade? Daily Weekly Monthly Yearly Others (Specify)

10) What Are The Problems Faced During Trading? Problems Faced Network Problem Information Related Problem Manual Operating Problem Service Provide Problem 11) Ratings Of Product Of Reliance Money? Excellent Good Average Poor Please Tick

12)Are You Satisfied With Your DEMAT Service Provider? Yes No

Any suggestion ......................................................................................................

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