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Job satisfaction describes how content an individual is with his or her job. It is a relatively recent
term since in previous centuries the jobs available to a particular person were often predetermined
by the occupation of that person¶s parent. There are a variety of factors that can influence a
person¶s level of job satisfaction. Some of these factors include the level of pay and benefits, the
perceived fairness of the promotion system within a company, the quality of the working
conditions, leadership and social relationships, the job itself (the variety of tasks involved, the
interest and challenge the job generates, and the clarity of the job description/requirements).

The happier people are within their job, the more satisfied they are said to be. Job satisfaction is not
the same as motivation, although it is clearly linked. Job design aims to enhance job satisfaction
and performance methods include job rotation, job enlargement and job enrichment. Other
influences on satisfaction include the management style and culture, employee involvement,
empowerment and autonomous workgroups. Job satisfaction is a very important attribute which is
frequently measured by organizations. The most common way of measurement is the use of rating
scales where employees report their reactions to their jobs. Questions relate to relate of pay, work
responsibilities, variety of tasks, promotional opportunities the work itself and co-workers.



The objective of the study is as follows

Dp To assess the satisfaction level of employees in Reliance Pvt Ltd.

Dp To identify the factors which influence the job satisfaction of employees.

Dp To identify the factor which improves the satisfaction level of employees.

Dp To know the employee satisfaction towards the facilities.

Dp To offer valuable suggestions to improve the satisfaction level of employeesÔp




This study emphasis in the following scope:

Dp To identify the employees level of satisfaction upon that job.

Dp This study is helpful to that organization for conducting further research.

Dp It is helpful to identify the employer¶s level of satisfaction towards welfare measure.

Dp This study is helpful to the organization for identifying the area of dissatisfaction of job of
the employees.

This study helps to make a managerial decision to the company

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Research methodology is the systematic way to solve the research problem. It gives an idea about
various steps adopted by the researcher in a systematic manner with an objective to determine
various manners.

  



The research worker contacted the respondents personally with well-prepared sequentially
arranged questions. The questionnaire is prepared on the basis of objectives of the study. Direct
contract is used for survey, i.e., contacting employees directly in order to collect data.

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Most of the data collected by the researcher is primary data through personal interview, where the
researcher and the respondent operate face ± to ± face. 

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The data are collected through survey and books, reports, newspapers and internet etc., the survey
conducted among the employees of Reliance Pvt Ltd. The data collected by the researcher are
tabulated and analyzed in such a way to make interpretations.
 arious steps, which are required to fulfill the purpose, i.e., editing, coding, and tabulating.
Editing refers to separate, correct and modify the collected data. Coding refers to assigning
number or other symbols to each answer for placing them in categories to prepare data for
tabulation refers to bring together the similar data in rows and columns and totaling them in an
accurate and meaningful manner

The collected data are analyzed and interrupted using statistical tools and techniques.

 
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Job satisfaction in regards to one¶s feeling or state of mind regarding nature of their work. Job can
be influenced by variety of factors like quality of one¶s relationship with their supervisor, quality
of physical environment in which they work, degree of fulfillment in their work, etc.

Positive attitude towards job are equivalent to job satisfaction where as negative attitude towards
job has been defined variously from time to time. In short job satisfaction is a person¶s attitude
towards job. 

Job satisfaction is an attitude which results from balancing & summation of many specific likes
and dislikes experienced in connection with the job- their evaluation may rest largely upon one¶s
success or failure in the achievement of personal objective and upon perceived combination of the
job and combination towards these ends.

According to pestonejee, Job satisfaction can be taken as a summation of employee¶s feelings in


four important areas. These are:

1.p Job-nature of work (dull, dangerous, interesting), hours of work, fellow workers,
opportunities on the job for promotion and advancement (prospects), overtime regulations,
interest in work, physical environment, and machines and tools.
2.p Management- supervisory treatment, participation, rewards and punishments, praises and
blames, leaves policy and favoritism.
3.p Social relations- friends and associates, neighbors, attitudes towards people in community,
participation in social activity socialibility and caste barrier.
4.p Personal adjustment-health and emotionality.

Job satisfaction is an important indicator of how employees feel about their job and a predictor of
work behavior such as organizational citizenship, Absenteeism, Turnover.
Job satisfaction benefits the organization includes reduction in complaints and grievances,
absenteeism, turnover, and termination; as well as improved punctuality and worker morale. Job
satisfaction is also linked with a healthier work force and has been found to be a good indicator of
longevity.

Job satisfaction is not synonyms with organizational morale, which the possessions of feeling have
being accepted by and belonging to a group of employees through adherence to common goals and
confidence in desirability of these goals.

Morale is the by-product of the group, while job satisfaction is more an individual state of mindÔ

Job Satisfaction is the feeling an employee gets when the job he does fulfils all his expectations.
While morale refers to the attitude of the employees of an organization and is a group concept, Job
satisfaction is the feeling of an individual employee. Job satisfaction has been defined as a
pleasurable emotional state resulting from the appraisal of one¶s job; and affective reaction to
one¶s job; and an attitude towards one¶s job. Job Satisfaction can be an important indicator of
how employees feel about their jobs and p predictor of work behaviors such as organizational
citizenship, absenteeism, and turnover.

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Weiss (2002) has ³argued that job satisfaction is an attitude but points out that researchers should
clearly distinguish the objects of cognitive evaluation which are affect (emotion), beliefs and
behaviors´.

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There are various personal and organizational factors that influence job satisfaction. The age of a
person does have its influence on his level of job satisfaction. People that are young usually have a
higher level of job satisfaction provided they rightly choose their career. Those in their twenties or
thirties are energetic and have the stamina to work hard and derive pleasure out of their work. As a
person gets older, he gets tired physically and mentally. Further, he reaches the saturation point at
this stage and the work, usually, does not give him the pleasure it gave earlier.



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The following measures are necessary to improve the satisfaction employees:

ëp "$ #*$  #



Proper care must take while recruiting persons for various jobs. Persons without attitude and
aptitude for work should not be selected.When it comes to placement of workers, they should be
given jobs in tune with their educational qualification, skills, attitudes and abilities.

ëp  $$ :

All those who have been appointed in the organization should be provided with job security. They
should be given decent pay. Social security benefits like provident fund insurance etc. should be
provided to employees as per the rules.

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The working environmental should be made informal. Undue important need not be given to
hierarchy. The organization should make use of both formal and informal channels of
communication. The bureaucratic approach of the management should go.

ëp c$"$$

The place of work should be neat and tidy. There should be free flow of natural light and air in any
workroom. There should be proper provision for canteen. Lunchroom, etc

ëp  + ,*:

Conventional work methods and age-old practices should be given up. The enterprise should come
forward to adopt the latest technology. The employees may be trained to make use of the various
electronic devices in their day-to-day work. This not only simplifies their work but also makes it
more interesting.

ëp     - $ "$

The relationship between the superior and the subordinates should always be cordial. The
superior¶s style of functioning must be democratic. He should not make an attempt to impose his
ideas on his subordinates. Whenever necessary and possible, he can seek his subordinate¶s
viewpoints. Likewise, the subordinates, on their part, must repose faith in their superiors and come
forward to accept responsibilities.
ëp ù$ - $" "$

The relationship between the employees should also be proper. The work done in any organization
is teamwork. In the absence of proper understanding between the employees, teamwork is not
possible. The employees should not give scope for their personal interest to clash with those of the
organization.



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If certain jobs are, by nature, dull and monotonous, job rotation may help to break the monotony of
workers, i.e., such jobs may be assigned to operation at a certain level by rotation.

ëp  $"$$:

Only human resources can be induced to work. Inanimate objects like machines cannot be
motivated to work. The management therefore, should offer suitable incentives to motivate
employees to perform better. Incentives need not be in the forms of money payment. There are also
non-monetary incentives. Further, these incentives may be gives for individual performance or
group performance.

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The performance of employees needs to be assessed regular intervals. Such an assessment will
level their level of efficiency. Such of thoseEmployees who are found to be highly efficient may
be given suitable rewards. Those employees who are less efficient may be made to undergo
training to acquire better skills. If some employees are found to be highly inefficiency, such people
need not be retained. It is only these people who spoil the work atmosphere in any organization.
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Few men in history have made as dramatic a contribution to their country¶s economic fortunes as
did the founder of Reliance, Sh. Dhirubhai H Ambani. Fewer still have left behind a legacy that is
more enduring and timeless.

As with all great pioneers, there is more than one unique way of describing the true genius of
Dhirubhai: The corporate visionary, the unmatched strategist, the proud patriot, the leader of men,
the architect of India¶s capital markets, and the champion of shareholder interest.

But the role Dhirubhai cherished most was perhaps that of India¶s greatest wealth creator. In one
lifetime, he built, starting from the proverbial scratch, India¶s largest private sector enterprise. 

When Dhirubhai embarked on his first business venture, he had a seed capital of barely US$ 300
(around Rs 14,000). Over the next three and a half decades, he converted this fledgling enterprise
into an Rs 60,000 crore colossus__ an achievement which earned Reliance a place on the global
Fortune 500 list, the first ever Indian private company to do so.

Dhirubhai is widely regarded as the father of India¶s capital markets. In 1977, when Reliance
Textile Industries Limited first went public, the Indian stock market was a place patronized by a
small club of elite investors which dabbled in a handful of stocks.

Undaunted, Dhirubhai managed to convince a large number of first-time retail investors to
participate in the unfolding Reliance story and put their hard-earned money in the Reliance Textile
IPO, Promising them, in exchange for their trust, substantial return on their investment. It was to
be the start of one of great stories of mutual respect and reciprocal gain in the Indian markets.

Under Dhirubhai¶s extraordinary vision and leadership, Reliance scripted one of the greatest
growth stories in corporate history anywhere in the world, and went on to become India¶s largest
private sector enterprise.

Throughout this amazing journey, Dhirubhai always kept the interests of the ordinary shareholder
uppermost in mind, in the process making millionaires out of many of the initial investors in the
Reliance stock, and creating one of the world¶s largest shareholder families. 


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Reliance Life Insurance Company Limited is part of Reliance Capital Ltd. Of the Reliance-Anil
Dhirubhai Ambani Group. Reliance Capital is one of India¶s leading private sector financial
services companies, and ranks among the top 3 private sector financial services and banking
companies, in terms of net worth. Reliance Capital has interests in asset management and mutual
funds, stock broking, life and general insurance, proprietary investments, private equity and other
activities in financial services.

Reliance Capital Limited (RCL) is a Non-Banking Fiancial Company (NBFC) registered with the
Reserve Bank of India under section 45-IA of the 
Reserve Bank of India Act, 1934.

Reliance Capital sees immense potential in the rapidly growing financial services sector in India
and aims to become a dominate player in this industry and offer fully integrated financial services.

Reliance Life Insurance is another step forward for Reliance Capital Limited to offer need based
Life Insurance solutions to individual and corporate.

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At Reliance Life Insurance, we strongly believe that as life if different at every stage, life insurance
must offer flexibility and choice to go with that stage. We are prepared and committed to guide you
on insurance products and services through our well-trained advisors, backed by competent
marketing and customer services, in the best possible way.

It is our aim to become one of the top private life insurance companies in India and to become a
cornerstone of RLI Integrated financial services business in India

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³To set the standard in helping our customers manage their financial future´.


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1. Products (Individual Plans)


Saving (Endowment)

2. Reliance Endowment Plan

3. Reliance Special Endowment Plan

4. Reliance Cash Flow Plan


Reliance Child Plan
Reliance Whole Life Plan
Pensions

5. Reliance Golden Years Plan

6. Reliance Market Return Plan


Risk / Protection

7. Reliance Term Plan



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8. Risk (production)
Reliance Group Term Assurance Policy
Pensions
Reliance Group Gratuity Policy
Reliance Group Superannuation Policy

9. Reliance Money Guarantee Plan.


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Research refers to a search for knowledge. It is a systematic method of collecting and recording
the facts in the form of numerical data relevant to the formulated problem and arriving at certain
conclusions over the problem based on collected data.

Thus formulation of the problem is the first and foremost step in the research process followed
by the collection, recording, tabulation and analysis and drawing the conclusions. The problem
formulation starts with defining the problem or number of problems in the functional area. To
detect the functional area and locate the exact problem is most important part of any research as
the whole research is based on the problem.

According to Clifford Woody research comprises defining and redefining problems, formulating
hypothesis or suggested solutions: collecting, organizing and evaluating data: making deductions
and reaching conclusions: and at last carefully testing the conclusions to determine whether they
fit the formulating hypothesis.

Research can be defined as ³the manipulation of things, concepts or symbols for the purpose of
generalizing to extend, correct or verify knowledge, whether that knowledge aids in construction
of theory or in the practice of an art´

In short, the search for knowledge through objective and systematic method of finding solution
to a problem is research.
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The research has been undertaken with following objectives.

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1. To find out the essential qualification of the employees.

2. To find out the employees satisfaction of work environmental condition.

3. To find out whether the job position is challenging or not.

4. To find out the relationship among the employees


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Job satisfaction describes how content an individual is with his or her job.

The happier people are within their job, the more satisfied they are said to be. Job satisfaction is not
the same as motivation, although it is clearly linked. Job design aims to enhance job satisfaction
and performance; methods include job rotation, job enlargement and job enrichment. Other
influences on satisfaction include the management style and culture, employee involvement,
empowerment and autonomous work groups. Job satisfaction is a very important attribute which is
frequently measured by organizations. The most common way of measurement is the use of rating
scaled where employees report their reactions to their jobs. Questions relate to rate of pay, work
responsibilities, variety of tasks, promotional opportunity the work itself and co-workers.

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Edwin a. Locke¶s Range of Affect Theory (1976) is arguably the m0ost famous job satisfaction
model. The main promise of this theory is that satisfaction is determined by a discrepancy between
what one wants in a job and what one has in a job. Further, the theory states that how much one
value a given facet of work moderates how satisfied/ dissatisfied one becomes when expectations
are/aren¶t met. When a person values a particular facet of a job, his satisfaction is more greatly
impacted both positively and negatively, compared to one who doesn¶t value that facet. To
illustrate, if Employee A values autonomy in the workplace and employee B is indifferent about
autonomy, then Employee A would be more satisfied in a position that offers a high degree of
autonomy and less satisfied in a position with little or no autonomy compared to Employee B.
This theory also states that too much of a particular facet will produce stronger feelings of
dissatisfaction the more a worker values that facet.

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Another well-known job satisfaction theory is the Dispositional Theory¶.

It is a very general theory that suggests that people have innate depositions that cause them to have
tendencies toward a certain level of satisfaction, regardless of one¶s job. This approach became a
notable explanation of job satisfaction in Light of evidence that job satisfaction tends to be stable
over time and across careers and jobs. Research also indicated that indicates that identical twins
have similar levels of job satisfaction.

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Hack man & Oldham proposed the job Characteristics Model, which is widely used as a
framework to study how particular job characteristics impact on job outcomes, including job
characteristics which impact three critical psychological states like experienced meaningfulness,
experienced responsibility for outcomes, and knowledge of the actual results, in turn influencing
work outcomes job satisfaction, absenteeism, work motivation,etc.
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The objective of the study is as follows

Dp To assess the satisfaction level of employees in Reliance Pvt Ltd.

Dp To identify the factors which influence the job satisfaction of employees.

Dp To identify the factor which improves the satisfaction level of employees.

Dp To know the employee satisfaction towards the facilities.

Dp To offer valuable suggestions to improve the satisfaction level of employeesÔp

The topic was chosen by the research to identify the level of satisfaction among employees in an
organization.


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The task of data collection begins after the research problem has been defined and research
design chalked out. While deciding the method of data collection to be used for the study, the
researcher should keep in mind two types of data viz. Primary and secondary data.

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The primary data are those, which are collected afresh and for the first time and thus happen to
be original in character. The primary data were collected through well-designed and structured
questionnaires based on the objectives.

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The secondary data are those, which have already been collected by someone else and passed
through statistical process. The secondary data required of the research was collected through
various newspapers, and Internet etc.
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Pilot survey was conducted with the employees of the organization is helped the researcher to have
incite to the strength and weakness of questionnaires. The resold pilot survey suggestion obtained
from experience employees uncertain changes were made the questionnaires pilot survey also
enable the researcher would take time and administrator the questionnaires.

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The total number of employees working in ³RELIANCE LIFE INSURANCE PRI ATE LTD´ is
80. The total number of questionnaires issued to the employees is 60 but only 50 questionnaires
were used for the study.

The sample size chosen for study is 50.

The following list shows the sample size selected for the study.

?p Advisor - 29
üp Sales manager - 12
p HR Staff¶s - 9
*p total - 50



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The data collected were classified analyzed tabulated and interpret at bar diagram.



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From the information gathered though questionnaires reports was prepared showing the analysis
the interpretation suggestion and conclusion.






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Ho: There is no significant difference in view of designation group toward area of adequate
supervision.

H1: There is significant in view of designation group toward area of adequate supervision.

Designation Adequate Inadequate No-comment Total

Advisor 19 - 10 29

Sales manager 10 1 1 12

HR Staff 8 - 1 9

Total 37 1 12 30

Calculated  alue = 11.57

Table  alue:

(R-1)(C-1) = (3-1) (3-1)

=2X2

= (4)

= 9.49
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Reject Ho and Accept H1

No significant difference in the view of appropriate training among designation group.

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Orientation Number of Response Percentage

Identification 48 96%

Un identification 2 4%

Total 50 100%

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The above table revels that 96% of employee¶s identification the orientation components and 4%
of employees are unidentification.
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Qualification Needed Number of response percentage

UG 22 44%

PG 18 36%

PROFESSIONAL 10 20%

TOTAL 50 100%

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The above table revels that 44% of the employees are having UG qualification, 36% of the
employees are having PG and 20% of the employees are professional.

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Employees health & Number of Response percentage


safety &
responsibilities

Available 50 100%

Not Available

Total 50 100%
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The above table revels that 100% of employees are aware of health and safety right and
responsibilities.

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Treatment of Employees Number Of Percentage

Response

With dignity & respect 50 100%

Without dignity & 00 00%


respect

Total 50 100%
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The above table reveals that all the employees are treated with Dignity and respect.

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Awareness of Number of Percentage


organizational
policies Response

Aware 33 66%

Unaware 12 24%

No comments 5 10%

Total 50 100%

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The above table reveals that 66% of employees are awareness of organizational policies &
procedure, 24% of employees are un awareness and 10% of employees are no comments.
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Competences with Number of Response Percentage


other organization

Competitive 43 86%

Not Competitive 3 6%

No Comments 4 8%

Total 50 100%

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The above table reveals that 86% of employees are feeling competitive with other organization,
6% of employees are feeling not competitive, and 8% of employees have no-comments.


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Benefits to the employees Number of Response Percentage

Satisfied 44 88%

Not Satisfied 2 4%

No comments 4 8%

Total 50 100%

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Theabove table reveals that 88% if employees are satisfied with benefits package, 4% of
employees are not satisfied and 8% of employees are no comments.
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Awareness of program Number of Response Percentage

Aware 36 72%

Unawareness 5 10%

No Comments 9 18%

Total 50 100%

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40 72%
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20 36 unawareness
15 18% aware
10 10%
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The above table reveals that 72% of employees are having awareness of employees assistance
program, 10 of employees are unawareness and 18% of employees are no comments.
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Nature of Supervision Number of Response Percentage

Adequate 37 74%

Inadequate 1 2%

No Comments 12 24%

Total 50 100%

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The above table reveals that 74% of employees feel they have adequate supervision, 2% of
employees are inadequate and 24% of employees have no comments.
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Working Environment Number of Response Percentage

Satisfactory 33 66%

Not Satisfactory 12 24%

No Comments 5 10%

Total 50 100%

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Form the above table ,its inferred that 60% level of employees are satisfied with the working
environment, 24% of the employees are not satisfied & 10% have no comments.

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Undergoing Number of Percentage

Training Response

Yes 32 64%

No 12 24%

No comments 6 12%

Total 50 100%
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60 100%
50
40 64%
30 50 total
20 24%
32 12%
10 12 no comments
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The above table reveals that 64% of employees are undergoing appropriate training, 24% of
employees are not undergone any training and 12% of employees are no comments.

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More Development 43 86%

Less Development 5 10%

No comments 2 4%

Total 50 100%

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The above table reveals that 86% of employees are offered more development with their job
position, 10% of employees are less development and 4% of employees have no comments.
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Acknowledged 49 98%

Not Acknowledged 1 2%

Total 50 100%

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The above table reveals that 98% of the employees are acknowledged with the accomplishment of
company, 2% of the employees are not acknowledged.
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Regular 41 82%

Ir-Regular 7 14%

No comments 2 4%

Total 50 100%

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The above table reveals that 82% of the employees feel that their performance appraisal is regular,
14% of the employees feel Ir-regular and 4% are feel no comments.

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Challenging 48 96%

Not challenging 2 4%

Total 50 100%

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The above table reveals that 96% of the employees feel challenging in their job position, 4% of the
employees are not challenging. 
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Yes 22 44%

No 18 36%

No-comments 10 20%

Total 50 100%

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The above table reveals that 44% of the employees feel there is a possibility of advancement in
their job position, 36% of the employees feel no possibility of advancement and 20% of the
employees have no comments.

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Adequate 38 76%

In-Adequate 8 16%

No comments 4 8%

Total 50 100%
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The above table reveals that 76% of the employees are provided adequate appropriate tools and
information to do job, 16, of the employees are provided In-adequate and 8% of the employees
have No-comments.

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Sufficient 48% 96%

In-Sufficient 2 4%

Total 50 100%

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The above table reveals that 96% of the employees are sufficiently provided with a comprehensive
group benefit program.
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I Work load 11 22%

II Career 3 6%
Advancement

III Respect for superior 4 8%

I  Inflexible Schedule 12 24%

  Salary 14 28%

 I Position didn¶t meet 6 12%


expectation

 II Other benefits

Total 50 100


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The above table reveals that 28% of the employees feel salary was the major factor which greatly
influence to leave the organization, 24% of the employees have Inflexible Schedule, 22% of the
employees have workload, 12% of the employees feel that their position didn¶t meet expectation,
8% of the employees are respect for superior, and 6% of the employees are for career
advancement.








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Job satisfaction measures one¶s satisfaction in five facets: pay, promotions and promotions and
promotion opportunities, coworkers, supervision, and the work itself. The scale is simple,
participation answer either yes, no, or can¶t decide in response to whether given statement
accurately describe one¶s job.

The job in general index is an overall measurement of job satisfaction. It is an improvement to the
job descriptive index because the JDI focuses too much on individual facets and not enough on
work satisfaction in general.

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There is some evidence in the literature that state moods are related to overall job satisfaction.
Positive and negative emotions were also found to be significantly related to overall job
satisfaction.

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The relationship of satisfaction to productivity is not necessarily straightforward and can be
influenced by a number of other work-related constructs, and the notion that ³a happy worker is a
productive worker´ should not be the foundation of organization decision-making.

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Organization can help to create job satisfaction by putting systems in place that will ensure that
workers are challenged and then rewarded for being successful. Organizations that aspire to
creating a work environment that enhances job satisfaction need to incorporate following:

ëp Flexible work arrangements, possibly including telecommuting.


ëp Training and other professional growth opportunities.
ëp Interesting work that offers variety and challenge and allows the worker opportunities to
³put his or her signature´ on the finished product.
ëp Opportunities to use one¶s talents and to be creative.
ëp Opportunities to take responsibility and direct one¶s own work.
ëp A stable, secure work environment that includes job security/ continuity.
ëp An environment in which workers are supported by an accessible supervisor who provides
timely feedback as well as congenial team members.
ëp Flexible benefits, such as child- care and exercise facilities.
ëp Up-to-date technology.
ëp Competitive salary and opportunities for promotion.

Pilot survey also enable the researcher would take time and administrator the questionnaires.










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It is suggested that the employees in RELIANCE LIFE INSURANCE PRI ATE Ltd., need a
better counseling, because from the overall result 8% of the respondents had no opinion in various
aspects.

RELIANCE LIFE INSURACE PRI ATE Ltd., can introduce some job training in all the possible
department to remove the feeling of monotonous of work. It would help employees to do their
work with great involvement and enthusiasm. It can also take necessary steps to motivate the
efficiency of the employees which result in their productivity.

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From the finding we infer that maximum of employees can specify their job and they can find the
components involved in their job.

Maximum employees have sufficient knowledge to do their job. Maximum employees had some
training program to improve their performance and so the company must take training program for
the employees to enrich their performance.

From this detailed survey it is clear know that Reliance life insurance Pvt ltd., provide various
employees Healthy and Safety service to encourage the employees. It helps to push the
productivity of the employees. The overall analysis of the collected data shows that 98% of
employees have knowledge skills and attitude. The performance of the employees in
RELIANCE LIFE INSURANCE P T LTD., are found to be satisfactory in their work.

The above result shows that RELIANCE LIFE INSURANCE P T LTD. takes care employees
training which improves the knowledge, skills and attitude of the employees and it result in the
overall development of the concern. 



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ëp Human Resources Management - J.Jayasanker.
ëp Personal Management - Edwin B.Flippo.
ëp Company Records
ëp www.reliancelife. Com
ëp www.moneyindia. Com