Serial No. Topics Page No.

1. Certificate by the Organization 3

2. Certificate by the Faculty guide 4
3. Preface 5
4. Acknowledgeent !
5. Ob"ecti#e of $raining %
!. &'ecuti#e (uary )
%. (co*e of the (tudy +
). ,eliance A-A .rou* 1/
+. Profile Of the Co*any 11012
1/. 1u2ine22 O#er#iew 13014
11. 1oard of -irector2 1501!
12. Partner2 of the Co*any 1%01)
13. Product2 of the Co*any 1+
14. ,eliance 3ife 4n2urance 2/02!
14.1 4n2urance Plan2 2%03!
15. ,eliance -eat Account 3%043
1!. ,eliance 5utual Fund 44054
1%. ,eliance .eneral 4n2urance 5505+
1). 5arket Analy2i2 !/0!4
1+. ,ecoendation !5
2/. 1ibliogra*hy !!
21. Conclu2ion !%
1
Frankly 2*eaking6 any "ob or the ta2k6 ha#e the 2*ecific ob"ecti#e i.e. what i2 need and
what i2 the re7uireent of the *articular work. 4n the 2ae way y ob"ecti#e i2 al2o to
learn 2oething fro the 2uer intern2hi* *rogra . 4t ean2 that the training *rogra
in any re*uted co*any gi#e the arket knowledge of it2 2ub"ect atter of 2tudy.
$he right choice of the co*any in which a 2tudent ha2 to do the training i2 al2o the *art
of the learning and what he82he want2 to learn in the 2uer training.
4n the 2hort 2*an 2ince the in2urance 2ector wa2 o*ened u*6 any co*anie2 ha#e
literally dictated the arket92 e#olution. Catering to all age and incoe 2egent26 the
co*any 2tated out with the traditional in2urance *olicie2 that were ea2y to under2tand6
the idea wa2 to entice cu2toer2 u2ed to 34C92 2tyle of functioning.
,eliance oney began e'*loring new area2: it introduced odern *roduct26 like ;nit0
linked Product where return are linked to the arket *erforance of the underlying
a22et2.
,eliance 5oney lead2 and #irtually all *araeter2: 2ize of agent force6 nuber of *olicie2
2old6 total 2u6 total 2u a22ured6 *reiu incoe and *roducti#ity of agent2 it ha2 2et
e'acting 2tandard2 for it2 range of *roduct26 rider2 offered6 7uality of inforation in
*rootional aterial and e#en in the in2urance awarene22 e#ent2 organized.
<hat ha2 been in fa#or of ,eliance 5oney i2 the range of *roduct in each
2egent of life in2urance0traditional6 unit0linked and 2ingle *reiu o*tion6 that are for
retireent *lan or child *lan. <ith 2uch a co*rehen2i#e bou7uet6 it cater2 to the
financial goal2 of a cu2toer. ,eliance 5oney a growing re*uted co*any gi#e the good
*latfor in 2elling of the *roduct like in2urance6 &7uity = cooditie26 deri#ati#e6
4PO926 off2hore in#e2tent6 utual fund6 gold coin2 etc.
(o the ob"ecti#e of 2tudy i2 to 2ee in the ba2ket of *roduct and 2ati2faction of
cu2toer2 with the co*any through re2earch work in 1okaro.

2
$hi2 *ro"ect ha2 been a great learning e'*erience for e6 at the 2ae tie it ga#e e
enough 2co*e to i*leent y analytical ability.
$he fir2t *art gi#e2 an in2ight about the -eat Account6 3ife 4n2urance6 .eneral
4n2urance and utual fund2 and their2 #ariou2 a2*ect2. 4t i2 *urely ba2ed on whate#er 4
learned at ,eliance 5oney. One can ha#e a brief knowledge about utual fund2 and all
it2 ba2ic2 through the *ro"ect. Other than that the real 2er#ing2 coe when one o#e2
ahead. (oe of the o2t intere2ting 7ue2tion2 regarding the2e *roduct2 ha#e been
co#ered. (oe of the are>
<hy ha2 it becoe one of the large2t financial interediarie2?
@ow in#e2tor2 do cho2e between fund2 and the2e *roduct2?
5o2t *o*ular 2tock2 aong fund anager26 o2t lucrati#e 2ector2 for fund anager26 a
2*ecial re*ort on (y2teatic 4n#e2tent Plan6 doe2 fund *erforance *er2i2t2 and the
to**ing of all the 2er#ing2 in the for of *ortfolio analy2i2 tool and it2 a**lication.
All the to*ic2 ha#e been co#ered in a #ery 2y2teatic way. $he language ha2 been ke*t
2i*le 2o that e#en a layan could under2tand.
All the 7uarrie2 of the cu2toer a2ked by the had been 2ol#ed with the 2u**ort of the
2enior2 in the organization. $he *roble2 of the cu2toer were being recorded for the
*ur*o2e of the re2earch and de#elo*ent.

3
$he 2co*e of the 2tudy refer2 to the "ob that to know about the acti#itie2 of the
organization. $he 2tudy ean2 that the analy2i2 of the *roduct2 of the co*any on which
he82he ha2 to focu2.
-uring the 2uer training the #olunteer need to find out the cor*orate 2trategie2 of the
running co*any and the ile 2tone which the co*any ha2 co#ered during it2 "ourney.
4n the 2uer training6 it i2 nece22ary for the 2tudent that he 82he in#ol#e with the
e'*erience guy2 to get the knowledge about the co*any. $hat i2 how the co*any ha2
got the 2ucce226 Or if it i2 going in the lo226 why.
4n y training *eriod 4 ha#e found that the reliance grou* i2 the bigge2t grou* in 4ndian
co*anie2. 4 felt that 4 can learn the ore in the ,eliance 3ife 4n2urance 3iited.
,eliance 3ife 4n2urance 3iited i2 the *art of the ,eliance Ca*ital 3iited which i2 a
growing co*any in the financial *roduct2.
,eliance Anil -hirubhai Abani grou* i2 al2o deal2 in counication6 energy6 natural
re2ource26 edia6 and entertainent6 healthcare and infra2tructure.




4
5
Reliance money i2 a *art of the reliance Anil -hirubai Abani .rou* and i2 *rooted
by ,eliance ca*ital6 the fa2te2t growing *ri#ate 2ector financial 2er#ice2 co*any in
4ndia6 ranked aong2t the to* 3 *ri#ate 2ector financial co*anie2 in ter2 of net worth.
,eliance oney i2 a co*rehen2i#e financial 2olution *ro#ider that enable2 you to carry
out trading and in#e2tent acti#itie2 in a 2ecure6 co2t0effecti#e and con#enient anner.
$hrough reliance oney6 you can in#e2t in a wide range of a22et cla22e2 fro &7uity6
&7uity and coodity -eri#ati#e26 5utual Fund26 in2urance *roduct26 4PO92 to a#ailing
2er#ice2 of 5oney $ran2fer = 5oney changing.
,eliance 5oney offer2 the con#enience of on0line and offline tran2action2 through a
#ariety of ean26 including it2 Portal6 Call = $ran2act6 $ran2action Aio2k2 and at it92
network of affiliate2.
(oe key 2te*2 of the co*any that are a2B..
Success is a journey, not a destination. 4f we look
for e'a*le2 to *ro#e thi2 7uote then we can find any but there i2 none like that of
,eliance 5oney. $he co*any which i2 today known a2 the large2t financial 2er#ice
*ro#ider of 4ndia.
Reliance Capital
Reliance
Life Insurance
Reliance
General Insurance
Reliance
Money
Reliance
Consumer
Finance
Reliance
Mutual fund
Mutual Fund
!
Success sutras of Reliance Money:
$he 2ucce22 2tory of the co*any i2 dri#en by ) 2ucce22 2utra2 ado*ted by it naely
trust, integrity, dedication, commitment,
enterprise, hard work and team play, learning
and innovation, empathy and humility. $he2e are the
#alue2 that bind 2ucce22 with ,eliance 5oney.
Vision of Reliance Money
$o achie#e = 2u2tain arket leader2hi*6 ,eliance 5oney 2hall ai for co*lete cu2toer
2ati2faction6 by cobining it2 huan and technological re2ource26 to *ro#ide world cla22
7uality 2er#ice2. 4n the *roce22 ,eliance 5oney 2hall 2tri#e to eet and e'ceed
cu2toerC2 2ati2faction and 2et indu2try 2tandard2.
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 building
an innovative, enterprising , and technology
driven organization which will set the highest
standards of service and business ethics.
%
,eliance Ca*ital ha2 intere2t2 in a22et anageent and utual fund26 life and general
in2urance6 *ri#ate e7uity and *ro*rietary in#e2tent26 2tock broking6 de*o2itory 2er#ice26
di2tribution of financial *roduct26 con2uer finance and other acti#itie2 in financial
2er#ice2.
,eliance 5utual Fund i2 4ndiaC2 no.1 5utual Fund. ,eliance 3ife 4n2urance i2 4ndiaC2
fa2te2t growing life in2urance co*any and aong the to* 4 *ri#ate 2ector in2urer2.
,eliance .eneral 4n2urance i2 4ndiaC2 fa2te2t growing general in2urance co*any and the
to* 3 *ri#ate 2ector in2urer2. Reliance Money i2 the large2t brokerage and di2tributor of
financial *roduct2 in 4ndia with ore than 2.5 illion cu2toer2 and the large2t
di2tribution network. ,eliance Con2uer finance ha2 a loan book of o#er ,2. )6///
crore2 at the end of Dune 2//).
,eliance Ca*ital ha2 a net worth of ,2.!6 )!2 crore2 E;(F 1.! billionG and total a22et2 of
,2. 1+6+4/ crore2 E;(F 4.! billionG a2 of Dune 3/6 2//) and o#er 2!6/// e*loyee2.
5oney ha2 increa2ed it2 arket 2hare aong *ri#ate financial co*anie2 to nearly
Con#enient = effecti#e H Anytie = anywhere financial tran2action ca*ability. 3aunched
in A*ril 2//%. 4t *ro#ide2 the Flat fee2 2y2te. 4t ha2 2.2 illion cu2toer2 in 1 year of
official launch. 4t ha2 o#er 56/// outlet2 acro22 %// town28citie2. A#erage daily turno#er H
in e'ce22 of ,2 26/// crore2.
Con2idering the entire life arket6 including the ,2. 126)+/ crore2 booked by life
in2urance Cor*oration6 ,eliance life in2urance arket 2hare work2 out to around !.25I.
$he life in2urance arket continuou2 to be doinated by 34C which ha2 about !%I 2hare
thi2 only a arginal di* fro it2 %3I 2hare in end0Duly. $he2e co*ari2on2 are only for
fir2t year or new bu2ine22 *reiu.
$he ga* between ,eliance life in2urance and the 2econd0in0line *ri#ate in2urer i2 #a2t. 4n
fact6 thi2 2cenario ha2 led 2oe analy2t2 to wonder if the co*any i2 not a trifle too
)
aggre22i#e. 1ut other2 2ay thi2 ha2 ore to do with the co*anie29 cu2toer0centric
focu26 it2 *an04ndia *re2ence and 2u*erior ri2k anageent and in#e2tent 2trategie2.
,eliance 5oney i2 not6 howe#er6 re2ting on it2 laurel2.
Co*any92 cu2toer centric a**roach will be 2tudied during the training *eriod and the
finding of the re2earch work will definitely focu2 on the *re2ent condition = future
re7uireent Eif anyG relating to *roduct2 of co*any.

+
Anil Dhirubhai Ambani - Chairman
,egarded a2 one of the foreo2t cor*orate leader2 of conte*orary 4ndia6 (hri Anil -
Abani6 5/6 i2 the chairan of all li2ted co*anie2 of the ,eliance A-A .rou*6 naely6
,eliance Counication26 ,eliance Ca*ital6 ,eliance &nergy6 ,eliance Jatural
,e2ource2 and ,eliance Power. @e i2 al2o Chairan of the 1oard of .o#ernor2 of
-hirubhai Abani 4n2titute of 4nforation and Counication $echnology6 .andhi
Jagar6 .u"arat. $ill recently6 he al2o held the *o2t of Kice Chairan and 5anaging
-irector in ,eliance 4ndu2trie2 3iited E,43G6 4ndiaC2 large2t *ri#ate 2ector enter*ri2e.
Anil - Abani "oined ,eliance in 1+)3 a2 Co0Chief &'ecuti#e Officer6 and wa2 centrally
in#ol#ed in e#ery a2*ect of the co*anyC2 anageent o#er the ne't 22 year2. @e i2
credited with ha#ing *ioneered a nuber of *ath0breaking financial inno#ation2 in the
4ndian ca*ital arket2. @e 2*earheaded the countryC2 fir2t foray2 into the o#er2ea2 ca*ital
arket2 with international *ublic offering2 of global de*o2itary recei*t26 con#ertible2 and
bond2. (tarting in 1++16 he directed ,eliance 4ndu2trie2 in it2 effort2 to rai2e o#er ;(F 2
billion. @e al2o 2teered the 1//0year Lankee bond i22ue for the co*any in Danuary 1++%.
Amitabh Jhunjhunwala - Vice-Chairman
(hri Aitabhabh Dhun"hunwala6 516 i2 a Fellow Chartered Accountant. @e ha2 #a2t
e'*erience in the area2 of financial 2er#ice2 and ca*ital arket2. (hri Dhun"hunwala wa2
a**ointed to the 1oard on 5arch %6 2//3 and wa2 a**ointed Kice Chairan on 5arch
2/6 2//!. @e i2 a -irector on the 1oard of @arony Art Foundation and ,eliance Anil
-hirubhai Abani .rou* P#t. 3td.
Rajendra Chitale - Independent Director
(hri ,a"endra P. Chitale6 4!6 an einent Chartered Accountant6 i2 the 5anaging Partner
of 582 5. P. Chitale = A22ociate2. @e i2 a -irector on board2 of the Jational (ecuritie2
1/
Clearing Cor*oration 3iited6 A22et ,econ2truction Co*any E4ndiaG 3td6 @indu"a $5$
3iited6 @$5$ .lobal (olution2 3td6 Abu"a Ceent 3iited6 (5& ,ating Agency of
4ndia 3iited6 42han ,eal &2tate P3C and ,eliance .eneral 4n2urance Co*any 3td. @e
i2 al2o a eber of the ad#i2ory board of the 4n2urance and ,egulatory Authority of
4ndia E4,-AG. @e ha2 al2o 2er#ed on the board2 of 3ife 4n2urance Cor*oration of 4ndia6
;nit $ru2t of 4ndia6 (14 Ca*ital 5arket2 3td.6 Jational (tock &'change of 4ndia 3td. and
(all 4ndu2trie2 -e#elo*ent 1ank of 4ndia.
Shri C. P. Jain
(hri C.P. Dain6 !16 i2 the forer Chairan and 5anaging -irector of J$PC 3td.
EJational $heral Power Cor*orationG. (hri Dain ha2 an illu2triou2 career 2*anning o#er
four decade2 of contribution in the field2 of financial anageent6 general anageent6
2trategic anageent and bu2ine22 leader2hi*. @e i2 a fellow eber of the 4n2titute of
Chartered Accountant2 of 4ndia with an ad#anced di*loa in 5anageent and i2 a law
graduate. (hri C. P. Dain "oined the 1oard of J$PC in 1++3 a2 -irector EFinanceG6 wa2
ele#ated a2 Chairan = 5anaging -irector in (e*teber 2/// and 2u*erannuated in
5arch 2//!. @e i2 Chairan of the .lobal (tudie2 Coittee of <orld &nergy Council
E<&CG6 worldC2 large2t energy J.O with nearly hundred eber0nation2. @e ha2 been
on 2e#eral i*ortant coittee2 of the .o#ernent of 4ndia6 late2t being the CAdhoc
.rou* of &'*ert2 on &*owerent of CP(&2C. @e wa2 Chairan of (tanding
Conference of Public &nter*ri2e2 E(COP&G between A*ril 2//3 and 5arch 2//5. @e i2 a
-irector on the 1oard of 43 = F( 4nfra2tructure -e#elo*ent Cor*oration and6 i2 al2o a
eber of the Audit Ad#i2ory 1oard of the Co*troller and Audit .eneral of 4ndia.


11






12







13
Reliance Life Insurance
Demat Account Services
Reliance Mutual un!s
Reliance "eneral Insurance


14
,eliance 3ife 4n2urance6 a *art of the ,eliance 0 Anil -hirubhai Abani .rou* i2 4ndiaC2
fa2te2t growing life in2urance co*any and aong the to* 4 *ri#ate 2ector life in2urer2.
,eliance 3ife 4n2urance ha2 a *an 4ndia *re2ence and a range of *roduct2 catering to
indi#idual a2 well a2 cor*orate need2. ,eliance 3ife 4n2urance ha2 o#er %// branche2 and
16 )/6/// agent2. 4t offer2 2! *roduct2 co#ering 2a#ing26 *rotection = in#e2tent
re7uireent2. ,eliance 3ife 4n2urance will endea#or to attain a leader2hi* *o2ition in the
arket o#er the ne't few year26 by further e'*anding and 2trengthening it2 di2tribution
network and offering a di#er2e array of *roduct2 to 2uit the #aried and 2*ecific need2 of
indi#idual cu2toer2.
Basics of Life Insurance
hat i! "i#e In!urance$
An aount of oney *aid to 2oeone Ecalled beneficiaryG when the 3ife A22ured Ein
who2e nae the in2urance *olicy i2 takenG die2. $hi2 aount can be u2ed to *ay the
e'*en2e2 related to 3ife a22ured2 death or can be in#e2ted to generate incoe that will
re*lace your 2alary. 3ife 4n2urance i2 an i*ortant tool in any in#e2tor2 *ortfolio = can
be u2ed for 0 wealth creation6 a22et building6 *ro#ide for contingencie2 and retireent
*lanning.
15
The main reason to buy Life Insurance is to
provide income replacement for your loved ones
%ype! o# "i#e In!urance Policie!
5o2t 4n2urance *olicie2 are a cobination of (a#ing2 = Protection.
Product2 are forulated by either increa2ing or decrea2ing either one of the2e
co*onent2.
$he2e cobination2 can be broadly di#ided into 4 grou*2
0 ;34P2
0 $er 4n2urance
0 &ndowent Policie2 > <hole 3ife& ;nit 3inked etc
0 Annuitie2 = Pen2ion



1!
Life Stage in Life Insurance
!"#$
%&nmarrie
d)
30-45 years
Couples with
children
45 yrs and
ao!e
Matured
couple 'etire
d
#$"()
*arried
couples
with no
kids
+o dependents,
liabilities
therefore need
for insurance is
less
-ntroduction of
dependents. Start
of .nancial
planning / balance
between asset
creation 0
protection
1eak earning age
range. 2igh asset
creation 0 build up
of liabilities. 3ritical
stage for
dependents
4sset base build
up 0 liabilities
reduced, taken
care of. +eed for
retirement
planning more
than protection.
+eed for
protection low.
5reater need for
regular income
6ow.
'ndowment ( )"IP*! 'ndowment ( )"IP*! +
%erm
Annuitie!
4t each stage, re7uirements, responsibilities and 8inancial
needs di9er
1%
Nee! Analysis in life Stages
A"# STAT$S
INS$RAN%#
N##DS
S$""#ST#D
PR&D$%TS
1)yr2 0 25yr2 ;narried
,..o on a holiday
2.1uy a new Car
3.(et u* a new hou2e
4.(et u* 4nterior2
5.1uy "ewellery
(hort $er
&ndowent
Product
25yr2 03/yr2 5arried
,.@igh -ebt6 high
e'*enditure Pha2e
2.Faily de*endency
on your incoe
3.3ow accuulated
wealth
4.Jeed for Planning
,e7uireent
$e*orary ter or
whole life Product
3/yr2 0 45yr2 5atured
cou*le
,.,etireent
Planning
2.<ealth tran2fer or
2a#ing #ehicle2
3.,eturn2 on
in#e2tent
4.O*ting for
guaranteed Product
Profit2 or ;nit
3inked
&ndowent(
-eferred annuitie2
!/yr2 and
abo#e
Po2t
,etireent
1.Protection in ca2e
you li#e long
2.Protection for
2*ou2e in ca2e of
death
3.<ealth
accuulation for
children
1.(ingle Preiu
annuitie2
2.3ong ter care
*roduct2
3.<hole life
*roduct2
1)
Life Stage Example
Hello, I am Philip, sailor. Hello, I am Philip, sailor.
Have seen the world. Have seen the world.
Always on cruise and keep Always on cruise and keep
worrying about family and worrying about family and
the loans. I need nancial the loans. I need nancial
Protection if I do not return Protection if I do not return
from one voyage from one voyage
!avera has "ust !avera has "ust
come to our lives. As come to our lives. As
proud parents, #e proud parents, #e
need to protect her need to protect her
as well as create her as well as create her
own nancial own nancial
standing standing
#orked for almost #orked for almost
$% years, now want $% years, now want
to live to live& &. I want . I want
something that will something that will
make my life 'hinta( make my life 'hinta(
free after free after
retirement retirement& &. .
)ndowme
nt
Ter
m
Annuitie
s
1+
Pro!ucts of Life Insurance
3ife 4n2urance *roduct2 are u2ually referred to a2 M*lan29 of in2urance. $he2e *lan2 ha#e
two ba2ic eleent2: one i2 the N-eath Co#erO *ro#iding for the benefit2 being *aid on the
death of the in2ured *er2on within a 2*ecified *eriod. $he other i2 the N(ur#i#al 1enefitO
*ro#iding for the benefit being *aid on 2ur#i#al of a 2*ecified *eriod.
Plan2 of in2urance that *ro#ide only death co#er are called N$er A22uranceO
Plan2.
Plan2 of in2urance that *ro#ide only 2ur#i#al benefit2 are called NPure
&ndowentO Plan2.
%erm "i#e In!urance
$er 3ife 4n2urance *ro#ide2 *rotection for a 2*ecified *eriod of tie. A death benefit i2
*aid to the beneficiary if the in2ured die2 within a 2*ecified *eriod of tie while the
*olicy i2 2till in force.
hole "i#e In!urance
<hole 3ife in2urance i2 a *eranent life in2urance and *ro#ide2 *rotection for life. A2
long a2 *reiu2 are *aid6 a death benefit i2 *aid to the beneficiary.
)"IP!
A ;34P i2 a life in2urance which *ro#ide2 a cobination of 3ife 4n2urance *rotection and
in#e2tent. 5oney can be in#e2ted in the following fund>0 &7uity Fund6 -ebt Fund6
5oney 5arket Fund E3i7uid FundG and 1alance Fund.
Annuitie!
Annuitie2 are *ractically the 2ae a2 *en2ion. Pen2ion *ro#ide2 *eriodical *ayent2 to
the e*loyee26 who ha#e retired. $hey are *aid a2 long a2 the reci*ient i2 ali#e. Annuitie2
are called the Nre#er2eO of 3ife 4n2urance.

2/
Solution! #or Indi-idual! - R.I
$aking tie out fro your daily 2chedule to *lan your future i2 a nece22ary ta2k. Lou
could do with 2oe hel*6 but who can hel* you? ,eliance 3ife 4n2urance i2 here with
(olution2 for 4ndi#idual26 a 2erie2 of *lan2 that will hel* you ake wi2e in#e2tent26
*rotect your faily6 2ecure your child92 future and e#en chalk out a *lan for your
retireent.



21

Protection Plan!
Protect your faily e#en when you9re not around by in#e2ting in ,eliance Protection
Plan2. Choo2e a liited *eriod *lan or a lifetie *rotection *lan de*ending on your
need2. $he late2t Protection Plan2 are a2 belowB
1. ,eliance $er *lan
2. ,eliance (i*le $er *lan
3. ,eliance (*ecial $er *lan
4. ,eliance Credit .uardian *lan
5. ,eliance (*ecial Credit .uardian *lan
!. ,eliance &ndowent *lan
%. ,eliance (*ecial &ndowent *lan
). ,el iance Connect 2 3ife *lan
+. ,eliance <hole 3ife *lan
1/. ,eliance <ealth P @ealth *lan
11. ,eliance Ca2h Flow *lan
Sa-in/! 0 In-e!tment Plan!
,eliance (a#ing2 = 4n#e2tent Plan2 hel* you to 2et a2ide 2oe oney to achie#e
2*ecific goal2 in life6 which ean2 that you can en"oy life and *ro#ide for your faily92
daily need2. $he 2a#ing2 and in#e2tent Plan2 are a2 belowB
'. ,eliance $otal 4n#e2tent Plan (erie2 4 0 4n2urance
(. ,eliance <ealth P @ealth *lan
). ,eliance Autoatic 4n#e2tent *lan
*. ,eliance 5oney .uarantee *lan
+. ,eliance Ca2h Flow *lan
,. Reliance Mar-et Return plan
22
.. ,eliance &ndowent *lan
/. ,eliance (*ecial &ndowent *lan
0. ,eliance <hole 3ife *lan
'1. ,eliance .olden Lear2 Plan
''. ,eliance .olden Lear2 Plan Kalue
'(. ,eliance .olden Lear2 Plan Plu2
'). ,eliance Connect 2 3ife *lan
Retirement Plan!
4n#e2t today in ,eliance ,etireent Plan2 and 2a#e oney to en"oy life e#en after
retireent. Lou will ne#er ha#e to de*end on another *er2on or ake any co*roi2e2 to
aintain your current life2tyle. $he late2t ,etireent Plan2 are a2 belowB
1. ,eliance $otal 4n#e2tent Plan (erie2 44 H Pen2ion
2. ,eliance .olden Lear2 Plan
3. ,eliance .olden Lear2 Plan Kalue
4. ,eliance .olden Lear2 Plan Plu2
5. ,eliance <ealth P @ealth *lan
!. ,eliance Autoatic 4n#e2tent Plan
%. ,eliance 5oney .uarantee Plan
Child Plan!
(a#e 2y2teatically and 2ecure your child92 future need2 by in#e2ting in ,eliance Child
Plan2. Lou can alway2 be there for your child when he or 2he need2 you. $he Child2 *lan2
are a2 belowB
1. ,eliance Child *lan
2. ,eliance (ecure Child *lan
3. ,eliance <ealth P @ealth *lan
23
Mar1et Return Plan
;nder $hi2 *lan the in#e2tent ri2k in the in#e2tent *ortfolio i2 borne by the
*olicyholder.
1ey #eature!
$win benefit of arket linked return and in2urance *rotection
A unit linked *lan6 different fro traditional life in2urance *roduct2 with
a'iu aturity age of )/ year2.
O*tion to create your own *ortfolio de*ending on your ri2k a**etite.
Choo2e fro four different in#e2tent fund2
Fle'ibility to 2witch between fund2
O*tion to *ay regular a2 well a2 2ingle *reiu = to*0 u*2
O*tion to *ackage your *olicy with accidental rider
Fle'ibility to increa2e the 2u a22ured
3i7uidity through *artial withdrawal2
2ow doe! thi! plan wor1
$he *reiu *aid by the client net of *reiu allocation charge2 i2 in#e2ted in
fund8fund2 of your choice and unit2 are allocated de*ending on the *rice of unit2 for
the fund8fund2. $he fund #alue i2 the total #alue of unit2 that you hold in the
fund8fund2. $he ortality charge2 and *olicy adini2tration charge2 are ducted
through cancellation of unit2 wherea2 the fund anageent charge i2 *riced in the
unit #alue.
3ene#it!
3ife co#er A22ured> in ca2e of unfortunate lo22 of life6 the beneficiary will get 2u
a22ured or fund #alue6 whiche#er i2 higher. $he client can choo2e the ba2ic 2u
a22ured within the iniu and a'iu le#el2 entioned below.
Minimum !um A!!ured>
24
,egular *reiu> annualized *reiu for 5 year2 or annualized *reiu for
half the *olicy ter6 whiche#er i2 higher.
(ingle *reiu> 125I of the 2ingle *reiu.
Ma4imum !um A!!ured
Jo liit E5//// for age u* to 12 year2G
Maturity 3ene#it!
On 2ur#i#al to aturity the fund #alue on aturity will be *aid out.
Rider 3ene#it!
$he Client can add the Accidental -eath = $otal and Peranent -i2ableent 1enefit
,ider Ea#ailable only with the regular *reiu o*tionG.
$hi2 benefit double2 the life co#erage in ca2e of accidental death or accidental total and
*eranent di2ableent at a #ery noinal additional co2t. $he a'iu co#er i2 ,2. 5/6
//6/// *er life.
4n ca2e of accidental death of the life a22ured during the *olicy ter6 the accident benefit
2u a22ured will be *aid iediately in a lu* 2u.
4n ca2e of accidental total and *eranent di2ableent6 181/
th
of the accident benefit 2u
a22ured will be *aid at the end of each year for ten year2. 4f the total and *eranent
di2ableent ha2 coenced6 the accidental death benefit co#er cea2e2.
4n ca2e of aturity or on death of the life a22ured before *ayent of all in2tallent2 of
accidental total and *eranent di2ableent benefit26 the reaining un*aid in2tallent2 of
any will be *aid in one lu* 2u along with death or aturity benefit.
Accidental total and *eranent di2ableent ean2 di2ability cau2ed by bodily in"ury6
which cau2e2 *eranent inability to *erfor any occu*ation or to engage in any acti#itie2
for reuneration or *rofit2. $hi2 di2ability 2hould la2t for at lea2t ! onth2 before being
eligible for accidental total and *eranent di2ableent benefit2.
Accidental total and *eranent di2ableent include2 lo22 of both ar2 and both leg2 or
one ar and one leg or of both eye2. 3o22 of ar2 or leg2 ean2 di2eberent by
a*utation of the entire hand or foot. 3o22 of eye2 ean2 entire and irreco#erable lo22 of
2ight.
25
hat are the di##erent #und option!.
<e under2tand the #alue of your hard earned oney and in our &ndea#our to hel* you
grow your wealth6 we offer you 4 different tailor0ade in#e2tent fund2. Lou ha#e the
o*tion to allocate your *reiu in the2e fund2 a2 you wi2h.
%hey are5
,. Capital Secure 6und5
$he in#e2tent ob"ecti#e of thi2 fund i2 to aintain the #alue of all contribution2 Enet of
charge2G and all intere2t addition2. $hi2 fund offer2 2teady return for little ri2k. $he ri2k
*rofile of thi2 fund i2 low. 4n#e2tent2 would be 1//I in bank de*o2it26 go#ernent
bond2 and debt in2truent2 that offer financial 2ecurity.
Further6 allocation in Ca*ital (ecure Fund for a *olicy i2 2ub"ect to a a'iu liit of
4/I at any tie.
7. 3alanced 6und5
$he in#e2tent ob"ecti#e of thi2 fund i2 to *ro#ide you with in#e2tent return26 which
e'ceed the rate of inflation in the long ter while aintaining a low *robability of
negati#e in#e2tent return2. @ere6 a a"or *ortion of your fund2 are in#e2ted in Fi'ed
(ecuritie2 while a 2all *ercentage i2 in#e2ted in the e7uity arket6 which i2 e'*o2ed to
arket o#eent2. $he ri2k *rofile of thi2 fund i2 low to ediu.
4n#e2tent2 would be at lea2t )/I in fi'ed intere2t 2ecuritie2 and a'iu 2/I in
e7uitie2.
8. .rowth 6und5
$he in#e2tent ob"ecti#e of thi2 fund i2 to *ro#ide you with in#e2tent return26 which
e'ceed the rate of inflation in the long ter while aintaining a oderate *robability of
negati#e in#e2tent return2. A greater *ortion of your fund2 are in#e2ted in fi'ed
2!
2ecuritie2 while a 2all *ercentage i2 in#e2ted in the e7uity arket6 which e'*o2ed to
arket o#eent2. $he ri2k *rofile of thi2 fund i2 ediu to high.
4n#e2tent would be at lea2t !/I in fi'ed intere2t 2ecuritie2 and a'iu 4/I in
e7uitie2.
9. ':uity 6und5
$he in#e2tent ob"ecti#e of thi2 fund i2 to *ro#ide *olicyholder2 with high e'*o2ure to
e7uitie2 and the *o22ibility of in#e2tent return26 which generate a high real rate of return
in the long ter while recognizing that there i2 a 2ignificant *robability of negati#e
in#e2tent return2 in the 2hort ter. $hi2 fund offer2 a totally e7uity ba2ed in#e2tent
o*tion. Lour return2 de*end entirely u*on the *erforance of the e7uity arket. $he ri2k
*rofile of thi2 fund i2 high. $he higher ri2k of thi2 *ortfolio ean2 that e'*ected return2
would al2o be higher.
4n#e2tent would not e'ceed 3/I in bank de*o2it2 and ay be u* to 1//I in e7uitie2.
Value o# )nit!5
$he arket #alue of a22et2 *lu28le22 e'*en2e2 incurred
4n the *urcha2e82ale of a22et2 *lu2 current a22et2 *lu2
Any accrued incoe net of fund anageent charge2
3e22 current liabilitie2 le22 *ro#i2ion
$nit Value ;
$otal nuber of unit2 on i22ue Ebefore any new unit2
are allocated8redeeed.G
2%
ho can 3uy the product
hat i! the policy term
5iniu *olicy ter 5 year2
5a'iu *olicy ter 4/ year2
6le4ible premium payment mode!5
Choose from five premium payment modes.
aG Annual H iniu *reiu i2 ,2. 1/6///.
bG @alf H yearly H iniu *reiu i2 ,2. 56///.
cG Quarterly H iniu *reiu i2 ,2. 265//.
dG 5onthly H iniu *reiu i2 ,2. 16///.
eG (ingle *reiu H iniu *reiu i2 ,2. 256///.
Char/e! under the plan5
,. Premium allocation char/e
For regular *reiu *olicie2>
$er of the *olicy a2 below
Lear2 50+ 1/ 0 14 15P
Fir2t year 1/I 15I 2/I
$hereafter 5I 5I 5I
E$he *reiu allocation charge for 2ingle *reiu = to* H u*2 i2 2I.G
5iniu age at entry 3/ day2
5a'iu age at entry !5 year2
5a'iu age at aturity )/ year2
2)
7. Policy Admini!tration char/e!5
,2. 4/ will be deducted fro your unit account each onth.
8. 6und Mana/ement Char/e!5
E$he fund anageent charge2 will be deducted on a daily ba2i2.G
2+
$nit Lin-e! un!s Annual Rate
Ca*ital (ecure 1.5/I
1alanced Fund 1.5/I
.rowth Fund 1.%5I
&7uity Fund 1.%5I
Re-i!ion o# char/e!5
$he fund anageent charge2 are 2ub"ect to re#i2ion at any tie6 but hey will not e'ceed
2I *.a. for the ca*ital 2ecure fund and 2.5I *.a. for the other fund2.
Any change2 ade to the charge2 under thi2 *olicy will be 2ub"ect to 4,-A a**ro#al.
9. Partial ithdrawal Char/e!5
,2. 1// *er withdrawal will be deducted fro your unit account.
<. Switchin/ Char/e5
1I of the aount 2witched6 with a a'iu of ,2. 16///80 *er 2witch.
=. Mortality Char/e!5
$he 5ortality charge26 ba2ed on your attained age6 are deterined u2ing 1812
th
of the
charge2 are different.
>. Surrender Char/e5
$hi2 charge i2 le#ied on the unit fund at the tie of 2urrender of the *olicy a2 under>
Num2er of years premiums pai! Surren!er c3arge as percentage of
fun! value
3e22 than 1 1//I
3/
1 5/I
2 2/I
3 and ore J43
?. Ser-ice %a4 Char/e
$hi2 charge will be le#ied on ortality6 accident = di2ability benefit charge2. $he le#el of
thi2 charge will be a2 *er the rate of 2er#ice ta' on ri2k *reiu le#ied by the
go#ernent fro tie to tie the correct rate of 2er#ice ta' i2 12.3!I thi2 charge 2hall
be collected along with charge2.
2ow !a#e i! your in-e!tment
$he in#e2tent2 ade in the unit fund2 are 2ub"ect to in#e2tent ri2k2 a22ociated
with ca*ital arket2 and the JAK2 of the unit2 ay go u* or down ba2ed on the
*erforance of the fund and the factor2 influencing the ca*ital arket6 and the
in2ured i2 re2*on2ible for hi28her deci2ion2.
$he unit *rice i2 a reflection of the financial and e7uity8debt arket condition2
and can increa2e or decrea2e at any tie due to thi2.
1enefit2 *ayable under the *olicy will be ade according o the ta' law2 and other
regulation2 in force at that tie.
$here are no guarantee2 for any fund of any kind under thi2 *olicy. $he benefit
*ayable on aturity will be e7ual to the #alue of your unit2.
$he nae in the fund2 in n way indicate2 the return2 deri#ed fro the.
Plea2e note that ,eliance life 4n2urance co*any liited i2 only the nae of the
in2urance co*any and ,eliance arket return *lan i2 only the nae of the unit
linked life in2urance *olicy and doe2 not in anyway indicate the 7uality of the
*olicy or it2 future *ro2*ect2 or return2
6ree "oo1 Period.
31
4n ca2e the *olicyholder di2agree2 with any of the ter2 and condition2 of the *olicy6 he
ay return the *olicy to the co*any within 15 day2 of it2 recei*t for cancellation6
2tating hi28her ob"ection2 in which ca2e the co*any will refund an aount e7ual to the
non allocated *reiu *lu2 the charge2 le#ied by cancellation of unit2 *lu2 fund #alue a2
on the date of recei*t of the re7ue2t in writing for cancellation6 le22 the *ro*ortionate
*reiu for the *eriod the co*any ha2 been on ri2k and the e'*en2e2 incurred by the
co*any edical e'aination and 2ta* duty charge2. 4f the ri2k acce*tance date fall2
within cooling off *eriod6 then on cancellation ,34C 2hall *ay fund #alue le22 of charge2.




&vervie4 of Demat Account.
4n 4ndia6 a Demat account6 the abbre#iation for demateriali@ed account6 i2 a ty*e of
banking account which deaterialize2 *a*er0ba2ed *hy2ical 2tock 2hare2. $he
deaterialized account i2 u2ed to a#oid holding *hy2ical 2hare2> the 2hare2 are bought
and 2old through a 2tock broker.
32
$hi2 account i2 *o*ular in 4ndia. $he (ecuritie2 and &'change 1oard of 4ndia E(&14G
andate2 a deat account for 2hare trading abo#e 5// 2hare2. A2 of A*ril 2//!6 it
becae andatory that any *er2on holding a deat account 2hould *o22e22 a Peranent
Account Juber EPAJG6 and the deadline for 2ubi22ion of PAJ detail2 to the
de*o2itory la*2ed on Danuary 2//%.
Proce!ure
,. Fill deat re7ue2t for E-,FG Eobtained fro a de*o2itory *artici*ant or -P with
who your de*o2itory account i2 o*enedG.
7. -eface the 2hare certificateE2G you want to deaterialize by writing acro22 (urrendered
for deaterialization.
8. (ubit the -,F = 2hare certificateE2G to -P. -P would forward the to the i22uer 8
their ,=$ Agent.
9. After deaterialization6 your de*o2itory account with your -P would be credited with
the deaterialized 2ecuritie2.
Reliance Money Demat Account Services
Reliance Money 5 Transacting an! investing simplifie!.
.et ready to change the way you tran2act and in#e2t in financial *roduct2 and 2er#ice2.
<hether you wi2h to tran2act in e7uity6 e7uity = coodity deri#ati#e26 4PO92 off2hore
in#e2tent2 or *refer to in#e2t in utual fund26 life = general in2urance *roduct2 or a#ail
oney tran2fer and oney changing 2er#ice26 you can do it all through reliance oney.
(i*ly o*en a reliance oney account and en"oy the con#enience of handling all your
key financial tran2action2 through thi2 one window.
6enefits of 3aving a reliance money account
33
It7s cost effective
Lou *ay co*arati#ely lower tran2action fee2. A2 an introductory offer6 we in#ite you to
*ay a flat fee of "u2t ,2. 5//80 and %5/80 and tran2act through reliance oney. $hi2 fee i2
#alid for two onth2 or a 2*ecified tran2action #alue
(ee the table below for detail2.
Its offers single 5 4in!o4 access
$hrough reliance oney92 a22ociate26 you can tran2act in e7uity6 e7uity and cooditie2
deri#ati#e26 off2hore in#e2tent2 utual fund26 4PO92 life in2urance6 general in2urance6
oney tran2fer6 oney changing and credit card26 aong2t other2.
Its convenient
Lou can acce22 reliance oney92 2er#ice2 through
$he internet
$ran2action kio2k2
$he *hone Ecall = tran2actG
Our all H 4ndia network of a22ociate2
On an a22i2ted trade Ethrough the call centre or our network of a22ociate2G a charge of ,2
12 *er e'ecuted trade will be a**licable.
34
Its Safe
Lour account i2 2afeguarded with a uni7ue 2ecurity nuber that change2 e#ery 32
2econd2. $hi2 nuber work2 a2 a dynaic2 *a22word to kee* your account e'tra 2afe.


Its provi!es you a !emat account
Lou get your own deat account with reliance ca*ital at an annual fee of "u2t ,2. 5/80.
Its provi!es you a )8in8' facility.
Lou can acce22 your banking6 trading and deat account through a 2ingle window and
tran2fer fund2 acro22 account2 2eale22ly.
It provi!e you value8 a!!e! services
At www.relianceoney.co6 you get
,eliable re2earch6 including #iew2 of e'ternal e'*ert2 with an en#iable track
record
3i#e new2 u*date2 fro ,euter2 and -ow Done2
C&O92 8 e'*ert #iew2 on the econoy and financial arket2
$ool2 that hel* you *lan your in#e2tent26 ta'6 retireent6 etc. in the *er2onal
finance 2ection
,i2k Analyzer for analy2i2 of your ri2k *rofile
A22et allocator2 to build an a**ro*riate in#e2tent *ortfolio
35
4nno#ati#e u2e of technology for facilitating con#enient trading8in#e2tent2 H
1io!1! A!imilar to A%M*!B


,eliance 5oney Pro#ide the kio2k2 E2iilar to A$592G Facilitie26 to their cu2toer
through which the cu2toer2 can trade on a#ailable kio2k2 at the *articular 1ranch of
,eliance 5oney. $he co*any i2 going to o*en the2e kio2k2 in the arket a2 the A$592
of the 1ank2.
,eliance 5oney *ro#ide2 3 different trading *latfor2 for e7uity trading>
Insta Tra!e
ast Tra!e
#asy tra!e
T3e 2enefits
3!
A 2afe and con#enient way to hold 2ecuritie2:
4ediate tran2fer of 2ecuritie2:
Jo 2ta* duty on tran2fer of 2ecuritie2:
&liination of ri2k2 a22ociated with *hy2ical certificate2 2uch a2 bad deli#ery6
fake 2ecuritie26 delay26 theft2 etc.:
,eduction in *a*erwork in#ol#ed in tran2fer of 2ecuritie2:
,eduction in tran2action co2t:
Jo odd lot *roble6 e#en one 2hare can be 2old:
Joination facility:
Change in addre22 recorded with -P get2 regi2tered with all co*anie2 in which
in#e2tor hold2 2ecuritie2 electronically eliinating the need to corre2*ond with
each of the 2e*arately:
$ran2i22ion of 2ecuritie2 i2 done by -P eliinating corre2*ondence with
co*anie2:
Autoatic credit into deat account of 2hare26 ari2ing out of
bonu282*lit8con2olidation8erger etc.
@olding in#e2tent2 in e7uity and debt in2truent2 in a 2ingle account.
3%
Re9uire! Documents
$he e'tent of docuentation re7uired to o*en a deat account ay #ary according to
your relation2hi* with the in2titution. 4f you *lan to o*en a deat account with a bank6 a
2a#ing26 current and6 or other account for which the holder ha#e been i22ued a check
book6 2uch holder ha2 an edge o#er the non0account holder. 4n fact6 bank2 u2ually offer
additional incenti#e2 to cu2toer2 who o*en a deat account with the. Along with the
a**lication for6 your *hotogra*h2 Ewith co0a**licant2G and *roof of
identity8re2idence8date of birth ha#e to be 2ubitted. $he -P2 al2o a2k for a -P0client
agreeent to be e'ecuted on non0"udicial 2ta* *a*er. @ere i2 a broad li2t>
A canceled check6 *referably 54C,
Proof of 4dentification
Proof of Addre22
Proof of Pan card EandatoryG
,ecent *hotogra*h26 one and6 or ore
For *roof of identification and6 or addre22 2elf0atte2ted fac2iile co*ie2 of PAJ card6
Koter92 4-6 Pa22*ort6 ,ation card6 -ri#er92 licen2e6 Photo credit card6 &*loyee 4- card6
1ank atte2tation6 late2t 4$ return2 and6 or late2t &lectricity83andline *hone bill are
2ufficient. <hile they only a2k for *hotoco*ie2 of the docuent26 they will need the
original2 for #erification.
Points To Remem2er
1. Only 2ecuritie2 aditted by J(-3 can be deaterialized. $he li2t i2 a#ailable
with your -P.
2. Only 2ecuritie2 regi2tered in the nae of the account holder can be
deaterialized.
3)
3. -eaterialization i2 norally co*leted within 15 day2 after the 2hare
certificate2 ha#e reached the i22uer8 their ,=$ Agent. $hu2 it ay take you a
onth fro the date you hand o#er 2hare26 to recei#e deat credit.
4. -eaterialization would be done only when the i22uer 8 their ,=$ Agent i2
2ati2fied of genuinene22 of 2ecuritie2 = owner2hi* 2tatu2.
5. All the "oint holder2 2hould 2ign the -,F.
!. $he *attern of holding in the -,F 2hould atch the *attern of holding on the
2hare certificate = the *attern in which account i2 o*ened.
%. -eat re7ue2t2 with naeE2G not atching e'actly with the naeE2G a**earing on
the certificate2 erely on account of initial2 not being 2*elt out fully or *ut after
or *rior to the 2urnae6 would be *roce22ed6 *ro#ided the 2ignatureE2G of the
clientE2G on the -,F tallie2 with the 2*ecien 2ignatureE2G a#ailable with the
i22uer8 their , = $ agent.
). 4f the 2ignature in the -,F doe2 not atch with the 2ignature a#ailable with the
i22uer8 their , = $ agent6 the i22uer8 their , = $ agent ay at the tie of deat
confiration6 a2k for additional docuentation Elike bank atte2tation8 notari2ation6
etc.G to *ro#e that the certificate belong2 to the *er2on who forwarded the -,F.
+. 4n ca2e there i2 any *roble in *roce22ing the -,F6 contact your -P and if he
cannot re2ol#e the *roble you ay contact J(-3.


3+
T3e %oncept of Mutual un!
A utual fund i2 a coon *ool of oney into which in#e2tor2 *lace their contribution2
that are to be in#e2ted in accordance with a 2tated ob"ecti#e. $he owner2hi* of the fund i2
thu2 M"oint9 and Mutual9: the fund belong2 to all in#e2tor2
Reliance Mutual un!
,eliance 5utual Fund E,5FG6 a *art of the ,eliance 0 Anil -hirubhai Abani .rou*6 i2
4ndiaC2 leading 5utual Fund6 with a#erage A22et2 under 5anageent of ,2. +/6)13
crore2 for the onth of Dune 2//)6 and an in#e2tor ba2e of o#er !.% illion. ,eliance
5utual Fund offer2 in#e2tor2 a well rounded *ortfolio of *roduct2 to eet #arying
in#e2tor re7uireent2. ,eliance 5utual Fund ha2 a *re2ence in 3// citie2 acro22 the
country and con2tantly endea#or2 to launch inno#ati#e *roduct2 and cu2toer 2er#ice
initiati#e2 to increa2e #alue to in#e2tor2. ,eliance 5utual Fund 2chee2 are anaged by
,eliance Ca*ital A22et 5anageent 3td.6 a wholly owned 2ub2idiary of ,eliance Ca*ital
3td.
4/
Types of Mutual un!s on t3e 6asis of Ris- Vs Returns
re9uently use! term in Mutual un!s
"ector Funds
41
Ris#
Money Mar#et Funds
Floaters
Income Funds
Gilt Funds
MI$s
%alanced Funds
&i!ersified '(uity
Funds
R
e
t
u
r
n
s
Cet A!!et Value ACAVB
Jet A22et Kalue i2 the arket #alue of the a22et2 of the 2chee inu2 it2 liabilitie2. $he
*er unit JAK i2 the net a22et #alue of the 2chee di#ided by the nuber of unit2
out2tanding on the Kaluation -ate.
Sale Price
42 the *rice you *ay when you in#e2t in a 2chee. Al2o called Offer Price. 4t ay include
a 2ale2 load.
Repurcha!e Price
42 the *rice at which a clo2e0ended 2chee re*urcha2e2 it2 unit2 and it ay include a
back0end load. $hi2 i2 al2o called 1id Price
Redemption Price
42 the *rice at which o*en0ended 2chee2 re*urcha2e their unit2 and clo2e0ended 2chee2
redee their unit2 on aturity? (uch *rice2 are JAK related.
Sale! "oad
42 a charge collected by a 2chee when it 2ell2 the unit2. Al2o called6 MFront0end9 load.
(chee2 that do not charge a load are called MJo 3oad9 2chee2
Repurcha!e or D3ac1-end* "oad
42 a charge collected by a 2chee when it buy2 back the unit2 fro the unit holder2.
Types of Reliance Mutual un!s
1. ,eliance .rowth Fund
42
2. ,eliance Ki2ion Fund
3. ,eliance 1anking Fund
*. Reliance Diversifie! Po4er Sector un!
5. ,eliance Phara Fund
!. ,eliance 5edia = &ntertainent Fund
%. ,eliance J,4 &7uity Fund
). ,eliance &7uity o**ortunitie2 Fund
+. ,eliance 4nde' Fund
1/. ,eliance $a' (a#er E&3((G Fund
11. ,eliance &7uity Fund
12. ,eliance 3ong $er &7uity Fund
13. ,eliance ,egular (a#ing Fund
T3e -ey term in mutual fun!s
Divi!en! Policy: -i#idend will be di2tributed fro the a#ailable di2tributable 2ur*lu2
after the deduction of the di#ided di2tribution 2ur*lu2 after the deduction of the di#idend
di2tribution ta' and the a**licable 2urcharge6 if any. $he utual fund i2 not guaranteeing
or a22uring any di#idend. Pea2e read the offer docuent for detail2. Further *ayent of
all the di#idend2 2hall be in co*liance with (&14 circular Jo. (&14845-8C4, Jo.
18!4/5%8/! dated 4848/!.
Applica2le NAV 5 (ale of unit2 by reliance utual fund> in re2*ect of #alid
a**lication2 recei#ed u* to 3 *.. by the utual fund alongwith a local che7ue or a
deand draft *ayable at *ar at the *lace where the a**lication i2
recei#ed6 the clo2ing JAK of the day on which a**lication i2 recei#ed 2hall be a**licable.
Repurc3ase inclu!ing S4itc38out: in re2*ect of #alid a**lication2 recei#ed u*to 3
* by the utual fund6 2ae day92 clo2ing JAK 2hall be a**licable. 4n re2*ect of #alid
a**lication2 recei#ed after 3 *.. by the utual fund6 the clo2ing JAK of the ne't
bu2ine22 day 2hall be a**licable.
43
Daily net Asset Value:NAV; pu2lication: the JAK will be declared on all
working day2 and will be *ubli2hed in 2 new2*a*er. JAK can al2o be #iewed on
www.relianceutualfund.co and www.afiindia.co .
Ta< 6enefits to t3e mutual fun!: ,eliance 5utual Fund i2 a 5utual fund
regi2tered with the 2ecuritie2 = e'change board of 4ndia and hence the entire incoe of
the utual fund will be e'e*t fro incoe ta' in accordance with the *ro#i2ion2 of
2ection 1/E23-G of the incoe ta' act6 1+!1. $he utual fund will recei#e all incoe
without any deduction of ta' at 2ource under the *ro#i2ion2 of 2ection 1+!Ei#G of the act.
An e'e*tion ha2 been granted under the finance EJo.2G act6 2//4 to o*en ended e7uity
oriented utual fund2 fro *aying di2tribution ta' on incoe di2tributed without any
tie liit6 effecti#e fro 1 A*ril 2//4.
Securitie! tran!action %a4:
Jae of $ran2action Payable by ,ate of $a'
Purcha2e and 2ale of e7uity
2hare2 or unit2 of e7uity
oriented utual fund2 on a
recognized 2tock e'change
on deli#ery ba2i2
1oth *urcha2er a2 well a2
2eller
/.125I
(ale on 2tock e'change of
e7uity 2hare2 or unit2 of
e7uity oriented utual
fund2 on non0 deli#ery ba2i2
(eller /./25I
2ale of deri#ati#e2
reorganized 2tock e'change
(eller /./1%I
(ale of unit2 of e7uity
oriented utual fund2 to the
utual fund
(eller /.25I
$here are two ty*e2 of in#e2tent in 5utual Fund2.
3u* (u
(y2teatic 4n#e2tent PlanE(4PG
.
Lump sum> 4n 3u* 2u the in#e2tent i2 only one tie2 that
i2 of ,2. 56///. and if the in#e2tent i2 onthly then the in#e2tent will be !6///80.
44
Systematic Investment Plan:SIP; >
<e ha#e already entioned about (4P2 in brief in the *re#iou2 *age2 but now going into
detail26 we will 2ee how the *ower of co*ounding could benefit u2. 4n 2uch ca2e6 e#ery
2all aount2 in#e2ted regularly can grow 2ub2tantially. (4P gi#e2 a clear *icture of how
an early and regular in#e2tent can hel* the in#e2tor in wealth creation. -ue to it2
unliited ad#antage2 (4P could be redefined a2 Na ethodology of fund in#e2ting
regularly to benefit regularly fro the 2tock arket #olatility. 4n the later 2ection2 we will
2ee how return2 generated fro 2oe of the (4P2 ha#e out*erfored their benchark.
1ut before o#ing on to that let2 ha#e a look at 2oe of the to* *erforing (4P2 and
their return for 1 year>
Scheme
4moun
t +4:
+4:
;ate
<otal
4mount
'eliance diversi.ed
power sector retail ))) =#.>?
(),$,#)
)! ?$#?.)>
'eliance regular
savings e7uity )))
##.#)
!
(),$,#)
)!
($!?.@?
?
principal global
opportunities fund ))) !.!=
(),$,#)
)!
?#?>.>#
!
;AS investment
opportunities fund ))) ($.(
(),$,#)
)!
(>@.$
>
BOB growth fund ))) ?#.?
(),$,#)
)!
(>=@.$
#
4n the abo#e chart6 we can 2ee how if we 2tart in#e2ting ,2.1/// *er onth then what
return we9ll get for the total in#e2tent of ,2. 12///. $here i2 reliance di#er2ified *ower
2ector retail gi#ing the a'iu return2 of ,2. 2524./% *er year which coe2 to 21I
roughly. Je't we can 2ee if anybody would ha#e undertaken the (4P in Princi*al would
ha#e got return2 of a**. 1)I. <e can 2ee reliance regular 2a#ing2 e7uity6 -<(
in#e2tent o**ortunitie2 and 1O1 growth fund gi#ing return2 of 13.2/I6 14.+2I6 and
14.%4I re2*ecti#ely which i2 greater than any other onthly in#e2tent o*tion2. $hu2
we can ea2ily ake out how (4P i2 beneficial for u2. 4t2 ha22le free6 it force2 the in#e2tor2
45
to 2a#e and get the into the habit of 2a#ing. Al2o *aying a 2all aount of ,2. 1/// i2
ea2y and con#enient for the6 thu2 *utting no *re22ure on their *ocket2.
Jow we will analyze 2oe of the e7uity fund (4P 2 of 1irla (unlife with 1(& 2// and
bank fi'ed de*o2it2 4n a tabular forat a2 well a2 gra*hical.
#<posure of Mutual un!s %ompanies in In!ia
$he conce*t of utual fund2 in 4ndia date2 back to the year 1+!3. $he era between 1+!3
and 1+)% arked the e'i2tence of only one utual fund co*any in 4ndia with ,2. !%bn
a22et2 under anageent EA;5G6 by the end of it2 ono*oly era6 the ;nit $ru2t of 4ndia
E;$4G. 1y the end of the )/2 decade6 few other utual fund co*anie2 in 4ndia took their
*o2ition in utual fund arket.
$he new entrie2 of utual fund co*anie2 in 4ndia were (14 5utual Fund6 Canbank
5utual Fund6 Pun"ab Jational 1ank 5utual Fund6 4ndian 1ank 5utual Fund6 1ank of
4ndia 5utual Fund.
$he 2ucceeding decade 2howed a new horizon in 4ndian utual fund indu2try. 1y the end
of 1++36 the total A;5 of the indu2try wa2 ,2. 4%/./4 bn. $he *ri#ate 2ector fund2
2tarted *enetrating the fund failie2. 4n the 2ae year the fir2t 5utual Fund ,egulation2
cae into e'i2tence with re0regi2tering all utual fund2 e'ce*t ;$4. $he regulation2 were
further gi#en a re#i2ed 2ha*e in 1++!.
Aothari Pioneer wa2 the fir2t *ri#ate 2ector utual fund co*any in 4ndia which ha2 now
erged with Franklin $e*leton. Du2t after ten year2 with *ri#ate 2ector *layer2
*enetration6 the total a22et2 ro2e u* to ,2. 121)./5 bn. $oday there are 33 utual fund
co*anie2 in 4ndia in which 2oe are a2 below.
A1J A5,O 5utual Fund2
1irla (un life utual Fund2
1ank of 1aroda 5utual Fund
@-FC 5utual Fund
4!
@(1C 5utual Fund
4J. Ky2ya 5utual Fund
Prudential 4C4C4 5utual Fund
(ahara 5utual Fund
(tate 1ank of 4ndia 5utual Fund
$ata 5utual Fund E$5FG
Aotak 5ahindra A22et 5anageent Co*any EA5A5CG
;$4 A22et 5anageent Co*any Pri#ate 3iited
Reliance Mutual un! :RM;
(tandard Chartered 5utual Fund
&2cort2 5utual Fund
Alliance Ca*ital 5utual Fund
1enchark 5utual Fund
Canbank 5utual Fund
Chola 5utual Fund
34C 5utual Fund
.4C 5utual Fund
4%
=or-ing of a Mutual un!
Terms an! con!itions
$hi2 facility offered only to the in#e2tor2 ha#ing bank account2 in 2elected citie2
which are 2*ecific in the for of the (4P.
(ubit the following docuent at lea2t 21 working day2 before the fir2t (4P date
for &C( E&lectronic clearing (er#iceG.
$he fir2t (4P che7ue 2hould be i22ued fro the 2ae bank account which i2 to be
debited under &C( for 2ub2e7uent in2tallent2.
$he bank account *ro#ided for &C( E-ebitG 2hould *artici*ate in local 54C,
clearing.
(4P auto debit facility i2 a#ailable only on 2*ecific date2 of the onth i.e. 2
nd
or
1/
th
or 1)
th
or 2)
th
.
$he in#e2tor agree2 to abide by the ter2 and condition2 of &C( facility of
,e2er#e bank of 4ndia.
An in#e2tor can o*t for onthly or 7uarterly fre7uency.
Only one (4P *er onth or *er 7uarter i2 *eritted *er folio8account.
4)
5iniu in#e2tent aount H onthly (4P o*tion H !/ in2tallent2 of ,2. 1//80
each or 12 in2tallent or ,2. 5//80 each or ! in2tallent2 of ,2. 1///80 each and
in ulti*le2 of ,e.180 thereafter.
$he ga* between the 1
2t
che7ue8 in2tallent = the 2
nd
che7ue 8 in2tallent 2hould
be at lea2t 21working day2. @owe#er 2ub2e7uent che7ue2 2hould ha#e a ga* of at
lea2t a onth or a 7uarter de*ending u*on the fre7uency cho2en.
A!vantages of Mutual un!s
Diversification: $he be2t utual fund2 de2ign their *ortfolio2 2o indi#idual
in#e2tent2 will react differently to the 2ae econoic condition2. For e'a*le6
econoic condition2 like a ri2e in intere2t rate2 ay cau2e certain 2ecuritie2 in a
di#er2ified *ortfolio to decrea2e in #alue. Other 2ecuritie2 in the *ortfolio will
re2*ond to the 2ae econoic condition2 by increa2ing in #alue. <hen a *ortfolio
i2 balanced in thi2 way6 the #alue of the o#erall *ortfolio 2hould gradually increa2e
o#er tie6 e#en if 2oe 2ecuritie2 lo2e #alue.
Professional Management: 5o2t utual fund2 *ay to*flight *rofe22ional2 to
anage their in#e2tent2. $he2e anager2 decide what 2ecuritie2 the fund will
buy and 2ell.
Regulatory oversig3t: 5utual fund2 are 2ub"ect to any go#ernent regulation2
that *rotect in#e2tor2 fro fraud.
Li9ui!ity: 4tC2 ea2y to get your oney out of a utual fund. <rite a check6 ake a
call6 and youC#e got the ca2h.
%onvenience: Lou can u2ually buy utual fund 2hare2 by ail6 *hone6 or o#er the
4nternet.
Lo4 cost: 5utual fund e'*en2e2 are often no ore than 1.5 *ercent of your
in#e2tent. &'*en2e2 for 4nde' Fund2 are le22 than that6 becau2e inde' fund2 are
not acti#ely anaged. 4n2tead6 they autoatically buy 2tock in co*anie2 that are
li2ted on a 2*ecific inde'
$ran2*arency
Fle'ibility
4+
Choice of 2chee2
$a' benefit2
<ell regulated
Dra42ac-s of Mutual un!s
5utual fund2 ha#e their drawback2 and ay not be for e#eryone>
No "uarantees: Jo in#e2tent i2 ri2k free. 4f the entire 2tock arket decline2 in
#alue6 the #alue of utual fund 2hare2 will go down a2 well6 no atter how
balanced the *ortfolio. 4n#e2tor2 encounter fewer ri2k2 when they in#e2t in utual
fund2 than when they buy and 2ell 2tock2 on their own. @owe#er6 anyone who
in#e2t2 through a utual fund run2 the ri2k of lo2ing oney.
ees an! commissions: All fund2 charge adini2trati#e fee2 to co#er their day0
to0day e'*en2e2. (oe fund2 al2o charge 2ale2 coi22ion2 or Rload2R to
co*en2ate broker26 financial con2ultant26 or financial *lanner2. &#en if you donCt
u2e a broker or other financial ad#i2er6 you will *ay a 2ale2 coi22ion if you buy
2hare2 in a 3oad Fund.
Ta<es: -uring a ty*ical year6 o2t acti#ely anaged utual fund2 2ell anywhere
fro 2/ to %/ *ercent of the 2ecuritie2 in their *ortfolio2. 4f your fund ake2 a
*rofit on it2 2ale26 you will *ay ta'e2 on the incoe you recei#e6 e#en if you
rein#e2t the oney you ade.
Management ris-: <hen you in#e2t in a utual fund6 you de*end on the fundC2
anager to ake the right deci2ion2 regarding the fundC2 *ortfolio. 4f the anager
doe2 not *erfor a2 well a2 you had ho*ed6 you ight not ake a2 uch oney
on your in#e2tent a2 you e'*ected. Of cour2e6 if you in#e2t in 4nde' Fund26 you
forego anageent ri2k6 becau2e the2e fund2 do not e*loy anager2
5/

,eliance .eneral 4n2urance6 a *art of the ,eliance 0 Anil -hirubhai Abani .rou* and a
(ub2idiary of ,eliance Ca*ital6 i2 one of the fir2t non0life co*anie2 to get the licen2e
fro the 4,-A. ,eliance .eneral 4n2urance i2 4ndiaC2 fa2te2t growing general in2urance
co*any and the to* 3 *ri#ate 2ector in2urer2.
,eliance .eneral 4n2urance ha2 2// branche2 acro22 1%1 citie2 and o#er 2/6///
51
interediarie2. ,eliance .eneral 4n2urance offer2 an e'hau2ti#e range of in2urance
*roduct2 that co#er2 o2t ri2k2 including Auto6 @ealth6 Pro*erty6 5arine6 Ca2ualty and
3iability. 4n2urance 4ndenifie2 A22et2 = 4ncoe. &#ery A22et ha2 a #alue and generate2
4ncoe to it2 Owner. $here i2 a norally e'*ected 3ife0tie for the A22et during which
tie it i2 e'*ected to *erfor. 4f the A22et get2 lo2t earlier6 being de2troyed or ade
Jon0functional through an Accident or other unfortunate e#ent the Owner i2 Pre"udiced.
4n2urance hel*2 to reduce COJ(&Q;&JC&( of 2uch Ad#er2e Circu2tance2 which are
called ,i2k2
4n2urance i2 the (C4&JC& OF (P,&A-4J. OF $@& ,4(A. 4t i2 the 2y2te of
2*reading the lo22e2 of an 4ndi#idual o#er a grou* of 4ndi#idual2
4n2urance i2 a 5ethod of 2haring of financial lo22e2 of a F&< fro a CO55OJ
F;J- fored out of Contribution of the 5AJL who are e7ually e'*o2ed to the
2ae lo22
<hat i2 ;JC&,$A4J for an 4ndi#idual becoe2 a C&,$A4J$L for a .rou*.
$hi2 i2 the ba2i2 of All 4n2urance O*eration2. $hu2 4J(;,AJC& COJK&,$(
;JC&,$A4J$L $O C&,$A4J$L

R.IC" PRED)C%S
2'A"%2
4ndi#idual 5ediclai 4n2urance Policy
.rou* 5ediclai 4n2urance Policy
O#er2ee2 $ra#el Care 4n2urance Policy
,eliance @ealth <i2e Policy Einclu2i#e of P&- = Critical 4llne22G H J&< 0 a
2*ecialized retail *roduct
P'RSECA" ACCID'C%
Per2onal Accident 4n2urance E4ndi#idual2G Policy
.rou* Per2onal Accident 4n2urance
52
6IR'
(tandard Fire and (*ecial Peril2 Policy
4ndu2trial All ,i2k2 4n2urance Policy
Con2e7uential 3o22 EFireG 4n2urance Policy
'C.IC''RIC.
&rection All ,i2k28(torage0cu0&rection 4n2urance Policy
Contractor92 All ,i2k2 4n2urance Policy
Contractor92 Plant and 5achinery Policy
5achinery 1reakdown 4n2urance Policy
5achinery 3o22 of Profit2 4n2urance Policy
1oiler = Pre22ure Plant 4n2urance Policy
&lectronic &7ui*ent 4n2urance Policy
MARIC'
5arine Cargo 4n2urance Policy
J&< 0 5arine $urno#er ba2ed Policy
J&< 0 5ulti $ran2it Policy
ME%ER
Pri#ate Car Co*rehen2i#e 4n2urance Policy
"IA3I"I%F
-irector2 and Officer2 3iability 4n2urance Policy
53
Public 3iability EActG 4n2urance Policy
Public 3iability 4n2urance Policy
Product 3iability 4n2urance Policy
Profe22ional 4ndenity 4n2urance Policy
<orken92 Co*en2ation 4n2urance Policy
PACGA.'D PE"ICI'S 6ER CERPERA%'S
4ndu2try Care 4n2urance Policy
Coercial Care 4n2urance Policy
Office Package 4n2urance Policy
Fidelity .uarantee 4n2urance Policy
1urglary and @ou2ebreaking Policy
5oney 4n2urance Policy
@ou2eholder92 Package 4n2urance Policy
S3op-eeper7s Pac-age Insurance Policy
Reliance S3op-eeper7s pac-age Policy
>ey A!vantage
Co*rehen2i#e co#erage again2t #ariou2 *eril2 2*read acro22 different 2ection2 of
the *olicy.
$he *olicy offer2 the fle'ibility to cu2toize the *olicy by 2electing a**ro*riate
co#er2.
$he co#erage i2 a#ailable at rea2onably *riced *reiu2.
4n2ured ha2 the o*tion of 2electing co#erage either on the ba2i2 of arket #alue or
the rein2tateent #alue.
-i2count2 ranging fro 5I to 2/I for cu2toer2 o*ting for four or ore
2ection26 for fa#orable clai2 e'*erience and on renewal of the *olicy.
54
Scope of t3e cover
Co#erage under thi2 *olicy i2 2*read acro22 11 o*tional 2ection26 enabling you to choo2e
fro the and cu2toize the *olicy
Section ,A. H Fire and allied *eril2 for building
Section 73. H Fire and allied *eril2 for content2
$he *hy2ical 2tructure of your 2ho* Eunder 2ection 1AG and the content2 therein Eunder
2ection 11G can be co#ered again2t fire and allied *eril2. $he2e co*ri2e0
Fire
3ightning
&'*lo2ion 8 i*lo2ion
Aircraft -aage
,iot6 (trike and 5aliciou2 -aage
(tor6 Cyclone6 $y*hoon6 $e*e2t6 @urricane6 $ornado6 Flood6 and 4nundation
4*act -aage
(ub2idence and land2lide including ,ock2lide deolition6 con2truction6 2tructural
alteration2 or re*air of any *ro*erty or ground work2 or e'ca#ation2
1ur2ting and 8 or o#erflowing of water tank26 a**aratu2 and *i*e2.
5i22ile te2ting o*eration2
3eakage fro autoatic 2*rinkler in2tallation2
1u2h fire
$errori2 co#er Eo*tionalG
Policy e<clusions
55
At reliance general in2urance6 we would like our *olicy to be a2 tran2*arent a2 *o22ible.
$o en2ure that you do not face any un*lea2ant 2ur*ri2e2 when you ake a clai6 we
would like you to know 2oe of the a"or e'clu2ion2 under the *olicy.
3o22 or daage due to war and nuclear *eril2
-aage to *ro*erty due to *ollution and containation
3o22 or daage due to wear and tear6 gradual deterioration or 2lowly de#elo*ing
flaw2
Con2e7uential lo22 of any kind
<illful act or gro22 negligence on the *art of the in2ured
5!
Markets
4n tune with the global 2tock arket2 that began to reco#er fro the 2econd half of 2//3:
4ndian 2tock arket2 too witne22ed ra*id growth. 4ndia92 two leading indice26 the o2t
*o*ular 1(& (en2e'6 and the one o2t u2ed by the arket2 the Jational (tock
&'change29 (=P CJS Jifty ro2e to record le#el2. 1oth *riary and 2econdary arket
acti#ity e'*erienced 2har* 2urge. 5uch *rogre22 wa2 ade in further 2trengthening and
2trealining ri2k anageent6 arket regulation and 2u*er#i2ion. A few a2*ect2 of the
a"or de#elo*ent2 in the 4ndia92 2tock arket2 are de2cribed below. And the in2urance
2ector i2 al2o *lay an i*ortant role in the growth of the financial arket.
Market Structure
4ndian 2ecuritie2 arket i2 fairly large a2 co*ared to 2e#eral other eerging arket2.
$here are 22 2tock e'change2 in the country6 though the entire li7uidity i2 2hared
between the countrie292 two national le#el e'change2 naely6 the Jational (tock
&'change of 4ndia and the 1obay (tock &'change 3td. $he regional 2tock e'change2
are in *ur2uit of bu2ine22 odel2 that ake the #iable and #ibrant. 5eanwhile6 the2e
e'change2 ha#e becoe eber2 of the national le#el e'change2 through foration of
2ub2idiarie2 who2e bu2ine22 i2 2howing continuou2 growth and *rogre22.
$he nuber of broker2 in #ariou2 2tock e'change2 ro2e fro !6%11 in 1++40+5 to +6335
in FL/!. $he nuber of broker2 in all the e'change2 together *eaked to 1/6213 in the
year FL/1 but gradually declined thereafter when the regional 2tock e'change2 began to
lo2e bu2ine22 in the light of wide ranging arket 2tructure refor2 introduced 2ince then.
4n FL/16 when the arket2 were in u*2wing6 2e#eral regional 2tock e'change2 were
generating bu2ine22 owing to the a#ailability of deferral *roduct26 2uch 1adla and
different 2ettleent calendar2 *re#ailing at that tie in the2e e'change2. For in2tance in
FL/16 the -elhi (tock &'change regi2tered ca2h arket turno#er of ,2 )3).%1 bn: ;ttar
Prade2h (tock &'change6 ,2 24%.4% bn6 3udhiana (tock &'change ,2 +%.32 bn6 Pune
5%
(tock &'change ,2 !1.%1 bn a2 again2t ,2 1363+5.11 bn of the turno#er at the Jational
(tock &'change and ,2 1/6///.32 bn turno#er at the 1obay (tock &'change. <ith the
abolition of the deferral *roduct2 and introduction of unifor $P2 2ettleent cycle6 the
li7uidity in the2e e'change2 flowed to the national le#el 2y2te con2i2ting of J(& and
1(&.
Ma?or Player in t3e Insurance Sector
$here are any re*uted co*anie2 in the arket which *ro#ide the 4n2urance for li#ing
being and non li#ing being2.
$he co*anie2 in life 4n2urance are a2 follow2.
Life Insurer in Pu2lic Sector
3ife 4n2urance Cor*oration of 4ndia
Life Insurer in Private Sector
Reliance life Insurance %ompany Limite!
4C4C4 Prudential 3ife 4n2urance
1a"a" Allianz 3ife 4n2urance
$ata A4. 3ife 4n2urance cor*oration 3iited
@-FC (tandard 3ife 4n2urance
1irla (un 3ife 4n2urance
(14 3ife 4n2urance
Aotak 5ahindra old 5utual 3ife 4n2urance
A#i#a 3ife 4n2urance
5et3ife 4ndia 3ife 4n2urance
4J. Ky2ya 3ife 4n2urance
5a' Jew Lork 3ife 4n2urance
(hrira 3ife 4n2urance
1harti ASA 3ife 4n2urance Co. 3iited
4-14 Fortie2 3ife 4n2urance Co. 3iited
5)
Argon ,eligare 3ife 4n2urance Co. 3iited
Ma?or 6ro-ing 3ouse
-uring the analy2i2 of the arket it ha2 been found that there are a lot of the brokeing
hou2e in the arket which are *ro#iding the online trading facility to the indi#idual2 or
the grou* of the indi#idual2.
+paisa.com
Lou can now buy and 2ell 2hare2 on 5*ai2a.co with 2*eed2 co*arable and at tie2
better than J(&C2 J&A$ $erinal. $hi2 2*eed and reliability coe2 only with
*er2e#erance of *ioneer backed by huge in#e2tent in technologyT Lou can now buy and
2ell 2hare2 on 5*ai2a.co with 2*eed2 co*arable and at tie2 better than J(&C2 J&A$
$erinal. $hi2 2*eed and reliability coe2 only with *er2e#erance of *ioneer backed by
huge in#e2tent in technology.
A!vani S3are 6ro-ers
Ad#ani (hare 1roker6 a re*uted 1obay ba2ed on in#e2tent hou2e6 o*erate2 fro
4ndiaC2 financial hub6 -alal (treet6 2ince 2i'ty year2. 4t deal2 in e7uitie26 debt and
deri#ati#e2 on the 1obay (tock &'change and the Jational (tock &'change of 4ndia.
A"R&@ "roup of %ompanies
Agroy grou* of co*anie2 i2 a well e2tabli2hed nae in the field of ca*ital arket2 and
financial 2er#ice2. A.,OL Finance = 4n#e2tent 3td. EAF43G i2 the grou*C2 flag2hi*
co*any engaged in ca*ital arket2 a2 a *reier financial and 2tock broking hou2e. $he
co*any wa2 fored in Duly 1++2. (ince then it ha2 en"oyed *atronage of a large nuber
of #alued cu2toer2 and bu2ine22 *artner2.
Anan! Rat3i Securities Limite!
Anand ,athi (ecuritie2 3iited *ro#ide2 financial and ad#i2ory 2er#ice2 including wealth
anageent6 in#e2tent banking6 cor*orate ad#i2ory6 brokerage = di2tribution of
e7uitie26 cooditie26 utual fund2 and in2urance 0 all of which are 2u**orted by
*owerful re2earch tea2.
In!ia 2ulls
4ndia bull2 i2 4ndiaC2 leading retail financial 2er#ice2 co*any with %/ location2 2*read
acro22 !2 citie2. <hile our 2ize and 2trong balance 2heet allow u2 to *ro#ide you with
5+
#aried *roduct2 and 2er#ice2 at #ery attracti#e *rice26 our o#er 45/ Client ,elation2hi*
5anager2 are dedicated to 2er#ing your uni7ue need2.
Religare Securities Lt!.
,eligare &nter*ri2e2 3iited EA ,anba'y Prooter .rou* Co*anyG through ,eligare
(ecuritie2 3iited6 ,eligare Fin#e2t 3iited6 ,eligare Cooditie2 3iited and
,eligare 4n2urance Ad#i2ory (er#ice2 3iited *ro#ide2 integrated financial 2olution2 to
it2 cor*orate6 retail and wealth anageent client2. Pro#ide2 #ariou2 financial 2er#ice2
which include 4n#e2tent 1anking6 Cor*orate Finance6 Portfolio 5anageent (er#ice26
&7uity = Coodity 1roking6 4n2urance and 5utual Fund2.
Aaypee %apital Services Lt!.
Day*ee Ca*ital (er#ice2 3td. i2 a regi2tered 2elf0clearing eber with Jational (tock
&'change and (&14. 4t ha2 the e'*erti2e and the e'*erience to ca*italize on daily 2tock
o#eent2 and e*loy o#er 2/ 2*eciali2t trader2 certified by the J(&.
I%I%I Direct
Online 2hare and utual fund2 trading facility by the 4C4C4 grou*.
Arca!e S3are B Stoc- 6ro-ers
Arcadia grou* began it2 ode2t "ourney in 1++5 and now Arcadia *roudly boa2t2 about
eber2hi* to J(&61(&6 -e*o2itory Partici*ant EC-(3G65CS6JC-&S .$he
*hilo2o*hy of client 2er#icing backed by all *rinci*al 4ndian (tock and Coodity
e'change gi#e2 Arcadia edge o#er other *layer2 in the indu2try 2egent to offer #alue
ba2ed 2er#ice2 to it2 cu2toer2.
In!ianstoc-mar-et.net
4ndian2tockarket.net i2 an effort to educate 4ndian in#e2tor by *ro#iding u2eful 2tock
new26 2tock arket web2ite26 inforati#e article26 re2ource2 to #ariou2 in#e2tent guide2.
Ma?or Developments in e9uity 2ro-erage in!ustry in In!ia
Cor*orate eber2hi*2
<ider *roduct offering2
!/
.reater reliance on re2earch
Acce22ing e7uity ca*ital arket2
Foreign collaboration2 and "oint #enture2
(*ecialized 2er#ice28niche broking
Online broking
&erging challenge2 and outlook for the brokerage indu2try
Fragentation
.lobal O**ortunitie2
Co*etition fro foreign fir2
4n#e2tor Protection
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$he o2t #ital *roble 2*otted i2 of ignorance. 4n#e2tor2 2hould be ade aware of the
benefit2. Jobody will in#e2t until and unle22 he i2 fully con#inced. 4n#e2tor2 2hould be
ade to realize that ignorance i2 no longer bli22 and what they are lo2ing by not
in#e2ting.
5utual fund2 offer a lot of benefit which no other 2ingle o*tion could offer. 1ut o2t of
the *eo*le are not e#en aware of what actually a utual fund i2? $hey only 2ee it a2 "u2t
another in#e2tent o*tion. (o the ad#i2or2 2hould try to change their ind2et2. $he
ad#i2or2 2hould target for ore and ore young in#e2tor2. Loung in#e2tor2 a2 well a2
*er2on2 at the height of their career would like to go for ad#i2or2 due to lack of e'*erti2e
and tie.
$he ad#i2or2 ay try to highlight 2oe of the #alue added benefit2 of 5utual fund2 2uch
a2 ta' benefit6 ru*ee co2t a#eraging6 and 2y2teatic tran2fer *lan6 rebalancing etc. the2e
benefit2 are not offered by other o*tion2 2ingle0handedly. (o the2e are enough to dri#e the
in#e2tor2 toward2 utual fund2. 4n#e2tor2 could al2o try to increa2e the 2*ectru of
2er#ice2 offered.
Jow the o2t i*ortant rea2on for not a#ailing the 2er#ice2 of ad#i2or2 wa2 2*otted wa2
being e'*en2i#e. $he ad#i2or2 2hould try to charge a noinal fee at the beginning. 1ut if
not *o22ible then they could go for offering ore 2er#ice2 and benefit2 at the e'i2ting
rate. $hey 2hould al2o aintain their decency and follow the code of ethic2 2o that the
in#e2tor2 could tru2t u*on the. $hu2 the ad#i2or2 2hould try to attract ore and ore
*er2on2 and turn the into in#e2tor2 and finally their client2.
!2
6y t3e 3elp of 6oo-s
1u2ine22 &n#ironent written 1y
N rancis %3erunilam N
5arketing 5anageent written 1L
N P3illip >otlarO
6y t3e Celp of Manuals
,eliance 5oney ,e*ort of 2//% = 4nternet.
6y t3e 3elp of &t3er Sources
1y the head92 and the con2ultant of the ,eliance 5oney.
6y t3e 3elp of =e2sites
1. www. 4,-A4ndia.org.
2. www.,elianceoney.co
3. www.in2ure2b2ecure.co
4. www.google.co
5. www. <ikki*edia.co
!3
<ith the globalize econoy and ien2e co*etition aong countrie2 for fa2ter
de#elo*ent of their re2*ecti#e econoie26 the 2ignificance of 4n2urance6 5utual Fund2
and Foreign in#e2tent ha2 taken anifold. <ith a buoyant #ibrant and e'*erienced
2tock arket6 4ndia today i2 looking ahead to 2ur*a22 China in ter2 of foreign
4n#e2tent and growth *ro2*ect2. (tock e'change being the baroeter of the econoy
*lay2 a #ital role in 2howca2ing growth of an econoy and luring in#e2tent. <hile
2tudying the role of 4n2urance6 5utual fund and F442 in (tock 5arket6 4 di2cu22ed with a
few *er2on2 who are into 2tock broking bu2ine22. And the inforation they ha#e *ro#ided
2how2 that though the in#e2tent and *artici*ation of doe2tic in#e2tor2 are ri2ing6 2till6
they ha#e not been able to *ro#e the2el#e2 to be a2 influential a2 4n2urance6 utual
fund2 and F442.
4*ortance and the role of 4n2urance6 5utual fund2 and F442 *lay in the 4ndian 2tock
arket can be 2een fro the fact that the recent 2urge in (en2e' and J4F$L i2 attributed
to the acti#e *artici*ation of F442 in the (tock 5arket. -e2*ite being aware of the A2ian
econoic cri2i2 where F442 role wa2 of a a"or concern6 the i*ortance of foreign ca*ital
in the de#elo*ent of econoy can not be underined in anyway.
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