1|Page

OBJECTIVES OF THE STUDY

1. To study the preference of people for investment purpose

current economic conditions.

2. To study the popularity & success of ICICI BANK for Demat

Accounts.

3. To study the extent of customers satisfaction holding Demat

Accounts in ICICI BANK.

4.

To study the future expectations of customers at ICICIBANK

Demat accounts services.

1|Page

2|Page

1.

ICICI BANK COMPANY INFORMATION

3-6

2.

MANAGEMENT OF ORGANISATION

7-10

3.

SERVICES OFFERED

11-19

4.

DEMATERIALIZATION

20-22

5.

DEMAT ACCOUNTS & ASPECTS

23-28

6.

RESEARCH METHODOLOGY

29-31

7.

PROCEDURE OF SANCTIONING & OPENING DEMAT

ACCOUNTS

32-35

8.

DEMAT SERVICES OFFERED BY ICICI BANK

36-44

9.

DATA ANALYSIS & INTERPRETATION

45-50

10.

LIMITATIONS

51

11.

SWOT ANALYSIS

52

12.

CONCLUSION, RECOMMENDATION, APPENDIX

1.

ICICI BANK COMPANY INFORMATION

2|Page

53-59
3-6

3|Page

INDEX

3|Page

4|Page

Chapter-1
ICICI BANK COMPANY INFORMATION
ICICI Bank is India's second-largest bank with total assets of Rs. 3,446.58
billion (US$ 79 billion) at March 31, 2007 and profit after tax of Rs. 31.10
billion for fiscal 2007. ICICI Bank is the most valuable bank in India in
terms of market capitalization and is ranked third amongst all the
companies listed on the Indian stock exchanges in terms of free float
market capitalization..
The Bank has a network of about 950 branches and 3,300 ATMs in India
and presence in 17 countries. ICICI Bank offers a wide range of banking
products and financial services to corporate and retail customers through a
variety of delivery channels and through its specialized subsidiaries and
affiliates in the areas of investment banking, life and non-life insurance,
venture capital and asset management.

4|Page

5|Page

The Bank currently has subsidiaries in the United Kingdom, Russia and
Canada, branches in Singapore, Bahrain, Hong Kong, Sri Lanka and Dubai
International Finance Centre and representative offices in the United States,
United Arab Emirates, China, South Africa, Bangladesh, Thailand,
Malaysia and Indonesia. Our UK subsidiary has established a branch in
Belgium.
ICICI Bank's equity shares are listed in India on Bombay Stock Exchange
and the National Stock Exchange of India Limited and its American
Depositary Receipts (ADRs) are listed on the New York Stock Exchange
(NYSE).

History
ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian
financial institution, and was its wholly-owned subsidiary. ICICI's
shareholding in ICICI Bank was reduced to 46% through a public offering
of shares in India in fiscal 1998, an equity offering in the form of ADRs
listed on the NYSE in fiscal 2000, ICICI Bank's acquisition of Bank of
Madura Limited in an all-stock amalgamation in fiscal 2001, and secondary
market sales by ICICI to institutional investors in fiscal 2001 and fiscal
2002.

5|Page

6|Page

ICICI was formed in 1955 at the initiative of the World Bank, the
Government of India and representatives of Indian industry. The principal
objective was to create a development financial institution for providing
medium-term and long-term project financing to Indian businesses.
In the 1990s, ICICI transformed its business from a development financial
institution offering only project finance to a diversified financial services
group offering a wide variety of products and services, both directly and
through a number of subsidiaries and affiliates like ICICI Bank. In 1999,
ICICI become the first Indian company and the first bank or financial
institution from non-Japan Asia to be listed on the NYSE.
After consideration of various corporate structuring alternatives in the
context of the emerging competitive scenario in the Indian banking
industry, and the move towards universal banking, the managements of
ICICI and ICICI Bank formed the view that the merger of ICICI with ICICI
Bank would be the optimal strategic alternative for both entities, and would
create the optimal legal structure for the ICICI group's universal banking
strategy.

6|Page

7|Page

The merger would enhance value for ICICI shareholders through the
merged entity's access to low-cost deposits, greater opportunities for
earning fee-based income and the ability to participate in the payments
system and provide transaction-banking services.
The merger would enhance value for ICICI Bank shareholders through a
large capital base and scale of operations, seamless access to ICICI's strong
corporate relationships built up over five decades, entry into new business
segments, higher market share in various business segments, particularly
fee-based services, and access to the vast talent pool of ICICI and its
subsidiaries.
In October 2001, the Boards of Directors of ICICI and ICICI Bank
approved the merger of ICICI and two of its wholly-owned retail finance
subsidiaries, ICICI Personal Financial Services Limited and ICICI Capital
Services Limited, with ICICI Bank.
The merger was approved by shareholders of ICICI and ICICI Bank in
January 2002, by the High Court of Gujarat at Ahmedabad in March 2002,
and by the High Court of Judicature at Mumbai and the Reserve Bank of
India in April 2002. Consequent to the merger, the ICICI group's financing
and banking operations, both wholesale and retail, have been integrated in
a single entity.

7|Page

8|Page

Chapter-2
ORGANISATIONS STRUCTURE
Board Members
Mr. N. Vaghul, Chairman
Mr. Sridar Iyengar
Mr. Lakshmi N. Mittal
Mr. Narendra Murkumbi
Mr. Anupam Puri
Mr. Vinod Rai
Mr. M.K. Sharma
Mr. P.M. Sinha
Prof. Marti G. Subrahmanyam
Mr. T.S. Vijayan
Mr. V. Prem Watsa
Mr. K.V. Kamath, Managing Director & CEO
Ms. Chanda Kochhar, Joint Managing Director & Chief Financial Officer

Ms. Madhabi Puri-Buch, Executive Director

Mr. Sonjoy Chatterjee, Executive Director
Mr. V. Vaidyanathan, Executive Director
8|Page

9|Page

Board Committees
Audit Committee
Mr. Sridar Iyengar
Mr. Narendra Murkumbi
Mr. M. K. Sharma
Board Governance & Remuneration Committee
Mr. N. Vaghul
Mr. Anupam Puri
Mr. M. K. Sharma
Mr. P. M. Sinha
Prof. Marti G. Subrahmanyam

9|Page

10 | P a g e

Customer Service Committee

Mr. N. Vaghul
Mr. Narendra Murkumbi
Mr. M.K. Sharma
Mr. P.M. Sinha
Mr. K. V. Kamath
Credit Committee
Mr. N. Vaghul
Mr. Narendra Murkumbi
Mr. M .K. Sharma
Mr. P. M. Sinha
Mr. K. V. Kamath
Fraud Monitoring Committee
Mr. M. K. Sharma
Mr. Narendra Murkumbi
Mr. K. V. Kamath
Ms. Chanda D. Kochhar
Mr. V. Vaidyanathan

10 | P a g e

11 | P a g e

Risk Committee
Mr. N. Vaghul
Mr. Sridar Iyengar
Prof. Marti G. Subrahmanyam
Mr. V. Prem Watsa
Mr. K. V. Kamath
Share Transfer & Shareholders'/ Investors' Grievance Committee
Mr. M. K. Sharma
Mr. Narendra Murkumbi
Asset-Liability Management Committee
Ms. Chanda D. Kochhar
Ms. Madhabi Puri-Buch Ms. Chanda D. Kochhar
Ms. Madhabi Puri-Buch
Mr. Sonjoy Chatterjee
Mr. V. Vaidyanathan
Committee of Directors
Mr. K. V. Kamath
Ms. Chanda D. Kochhar
Ms. Madhabi Puri-Buch
Mr. Sonjoy Chatterjee

11 | P a g e

12 | P a g e

Mr. V. Vaidyanathan

Chapter-3
SERVICES OFFERED
DEPOSITS: ICICI Bank offers wide variety of Deposit Products to suit your
requirements. Coupled with convenience of networked branches/ ATMs
and facility of E-channels like Internet and Mobile Banking, ICICI Bank
brings banking at your doorstep. Select any of our deposit products and
provide your details online and our representative will contact you for
Account Opening.
Savings Account ICICI Bank offers you a power packed Savings Account
with a host of convenient features and banking channels to transact
through. So now you can bank at your convenience, without the stress of
waiting in queues.
Life Plus Senior Citizen services We understand that as you reach the age to
retire, you do have certain concerns, whether youre hard earned money is
safe and secure, whether your investments give you the kind of returns that
you need. That's why we have an ideal Banking Service for those who are
60 years and above. The Senior Citizen Services from ICICI Bank has
several advantages that are tailored to bring more convenience and
enjoyment in your life.

12 | P a g e

13 | P a g e

Young Stars its really important to help children learn the value of finances
and money management at an early age. Banking is a serious business, but
we make banking a pleasure and at the same time children learn how to
manage their personal finances.
Fixed Deposits Safety, Flexibility, Liquidity and Returns!!!! A combination
of unbeatable features of the Fixed Deposit from ICICI Bank.
Recurring Deposits When expenses are high, you may not have adequate
funds to make big investments. But simply going ahead without saving for
the future is not an option for you. Through ICICI Bank Recurring Deposit
you can invest small amounts of money every month that ends up with a
large saving on maturity. So you enjoy twin advantages- affordability and
higher earnings.
Easy Receive Account Easy receive account is a unique account that caters
to the domestic banking needs while offering additional benefits for
remittances received in the account.

LOANS:
ICICI Bank offers wide variety of Loans Products to suit your
requirements. Coupled with convenience of networked branches/ ATMs
and facility of E-channels like Internet and Mobile Banking, ICICI Bank
brings banking at your doorstep. Select any of our loan product and provide
your details online and our representative will contact you for getting loans.

13 | P a g e

14 | P a g e

Home Loans The No. 1 Home Loans Provider in the country, ICICI Bank
Home Loans offers some unbeatable benefits to its customers - Doorstep
Service, Simplified Documentation and Guidance throughout the Process.
It's really easy!
Personal Loans If you're looking for a personal loan that's easy to get, your
search ends here. ICICI Bank Personal Loans are easy to get and absolutely
hassle free. With minimum documentation you can now secure a loan for
an amount up to Rs. 15 lakhs.
Car Loans The No. 1 financier for car loans in the country. Network of
more than 2500 channel partners in over 1000 locations. Tie-ups with all
leading automobile manufacturers to ensure the best deals. Flexible
schemes & quick processing. Hassle-free application process on the click
of a mouse.
Commercial Vehicle Loans Range of services on existing loans & extended
products like funding of new vehicles, refinance on used vehicles, balance
transfer on high cost loans, top up on existing loans, Xtend product,
working capital loans & other banking products.
Two Wheeler Loans Avail attractive schemes at competitive interest rates
from the No 1 Financier for Two Wheeler Loans in the country. Finance
facility upto 90% of the On Road Cost of the vehicle, repayable in
convenient repayment options and comfortable tenors from 6 months to 36
months. Ride home on your Dream Two Wheeler with our hassle free
finance.
14 | P a g e

15 | P a g e

Farm Equipment Loans Preferred financier for almost all leading tractor
manufacturers in the country. Flexible repayment options in tandem with
the farmer's seasonal liquidity. Monthly, Quarterly and Half-yearly
repayment patterns to choose from. Comfortable repayment tenures from 1
year to 9 years.

INVESTMENTS:
At ICICI Bank, we care about all your needs. Along with Deposit products
and Loan offerings, ICICI Bank assists you to manage your finances by
providing various investment options ranging from ICICI Bank Tax Saving
Bonds to Equity Investments through Initial Public Offers and Investment
in Pure Gold.
ICICI Bank facilitates following investment products:
1. ICICI Bank Tax Saving Bonds
2. Government of India Bonds
3. Investment in Mutual Funds
4. Initial Public Offers by Corporate
5. Investment in "Pure Gold"
6. Foreign Exchange Services
15 | P a g e

16 | P a g e

7. Senior Citizens Savings Scheme, 2004

You can invest in above products through any of our branches. For select
products ICICI Bank also provides the ease of investing through electronic
channels like ATMs and Internet (ICICIdirect.com)

CARDS:
ICICI Bank offers a variety of cards to suit your different transactional
needs. Our range includes Credit Cards, Debit Cards and Prepaid cards.
These cards offer you convenience for your financial transactions like cash
withdrawal, shopping and travel. These cards are widely accepted both in
India and abroad. Read on for details and features of each.
Credit Cards

ICICI Bank Credit Cards give you the facility of cash,

convenience and a range of benefits, anywhere in the world. These benefits

range from life time free cards, Insurance benefits, global emergency
assistance service, discounts, utility payments, travel discounts and much
more.
Debit Cards The ICICI Bank Debit Card is a revolutionary form of cash
that allows customers to access their bank account around the clock, around
the world. The ICICI Bank Debit Card can be used for shopping at more
than 3.5 Lakh merchants in India and 24 million merchants worldwide.
Travel Card Presenting ICICI Bank Travel Card. The Hassle Free way to
Travel the world. Traveling with US Dollar, Euro, Pound Sterling or Swiss
Francs; Looking for security and convenience; take ICICI Bank Travel
Card. Issued in duplicate. Offers the Pin based security. Has the
convenience of usage of Credit or Debit card.
16 | P a g e

17 | P a g e

Pre Paid Cards ICICI Bank brings to you a complete bouquet of pre-paid
cards providing payment solutions at your fingertips. ICICI Bank pre-paid
cards are a safe & convenient way for associate payments, disbursements,
gifting & small ticket transactions. Pre-paid cards are available on a VISA
platform thus providing accessibility to over 3.5 Lakh merchant
establishments & cash withdrawal from all VISA ATMs in India.

FOREX SERVICES:
Foreign Exchange Services ICICI Bank's Foreign Exchange Services will
help you organize your foreign exchange in the most hassle free manner.
Whether its Foreign Currency, Travelers Cheques or Travel Card, ICICI
Bank Foreign Exchange Services is a one-stop solution to your foreign
exchange requirement. Smooth journeys begin at ICICI Bank's Foreign
Exchange Services. Take advantage of competitive rates. With ICICI
Bank's Foreign Exchange Services you are assured of the best possible
rates of Foreign Exchange - Currencies, Travelers Cheques or Travel Card,
round the year. Enjoy professional and personalized service. We ensure
hassle-free services for you with an assurance of prompt delivery of
Foreign Exchange at your doorstep*.
Foreign Exchange Services offers a variety of foreign exchange products
like:
ICICI Bank Travel Card
Travelers Cheques (American Express)
Foreign Currencies
17 | P a g e

18 | P a g e

Mobile Banking
Bank on the move with ICICI Bank Mobile Banking. With ICICI Bank,
Banking is no longer what it used to be. ICICI Bank offers the Mobile
Banking facility to all its Bank, Credit Card, Demat and Loan customers.
ICICI Bank Mobile Banking can be divided into two categories of
facilities:
Alert facility: The ICICI Bank Mobile Banking Alert facility informs you
promptly of the significant transactions in your accounts. It keeps you
updated wherever you go.
Request facility: ICICI Bank Mobile Banking Request facility enables you
to ask for your account information.
A user friendly automated service menu offers you convenient access to
your account coupled with security as, all your transactions are protected
by a Atm Pin - The Personal password to your Banks & Credit card
Account and Tpin for your Demat Account . But if you do need any
assistance our officers will be glad to help you
Self Phone Banking (IVR) access Mechanisms are as follows: For Deposits
--The customer would need to key-in his ATM/Debit Card Number and its
corresponding ATM PIN. For Credit Cards -The customer would need to
key-in his 16 digit Card Number and its corresponding ATM PIN.
For Demat Account Holders -The customer would need to key-in his 14
Digit Demat Account Number and its TPIN. For Bond Account Holders
-The customer would need to key in his Bonds holder Number only. Some
of the services offered are listed below

18 | P a g e

19 | P a g e

Banks Functionalities:
Account Balance
Mini Statement
Cheque Book Request
Cheque Status enquiry
Stop Cheque Payment
Utility Bill Payment
Internet Userid
Mobile banking Registration
Card Functionalities:
Outstanding Balance
Details of Last Statement
Details of Last Payment
Last five Transactions
Reward Points status
Demat Functionalities:
ISIN query
Holding statement
Transaction History
Submitting Delivery Instructions

19 | P a g e

20 | P a g e

Request for Instruction Booklet

Bonds Functionalities:
Information on Redemption
Information on Interest
Information on Despatch of Bonds certificates
Others:
Lost/Replacement card
ATM pin re-issue
Standing Instructions
Complaints and suggestions
Inquire about any ICICI Bank product

ATM
ICICI Bank's 24 Hour ATM network is one of the largest and most
widespread ATM Network in India. Our ATMs are located in commercial
areas, residential localities, major petrol pumps, airports, near railway
stations and other places which are conveniently accessible to our
customers. ICICI Bank ATMs features user-friendly graphic screens with
easy to follow instructions. We have introduced ATMs which interact with
customers in their local language for increased convenience.

20 | P a g e

21 | P a g e

Chapter-4
DEMATERLIZATION
Introduction
Trading in the shares of the Company is compulsory in dematerialized form
for all investors. The Company has, therefore, enlisted its shares with both
the depositories, viz, NSDL and CDSL. This means that you have now had
the option to hold and trade in the shares of the Company in electronic
form. While most of you may be familiar with how a Depository functions,
given below is a brief outline, in question and answer format, which we
hope will be useful to you.
Dematerialisation?
Dematerialisation (Demat in short form) signifies conversion of a share
certificate from its physical form to electronic form for the same number of
holding which is credited to your demat account which you open with a
Depository Participant (DP). Dematerialisation is a process by which the
physical share certificates of an investor are taken back by the Company
and an equivalent number of securities are credited in electronic form at the
request of the investor.

21 | P a g e

22 | P a g e

An investor will have to first open an account with a Depository Participant

and then request for the dematerialisation of his share certificates through
the Depository Participant so that the dematerialised holdings can be
credited into that account. This is very similar to opening a Bank Account.
Dematerialisation of shares is optional and an investor can still hold shares
in physical form. However, he / she has to demat the shares if he / she
wishes to sell the same through the Stock Exchanges. Similarly, if an
investor purchases shares, he / she will get delivery of the shares in demat
form.
Depository
A Depository (NSDL & CDSL) is an organisation like a Central Bank
where the securities of a shareholder are held in the electronic form at the
request of the shareholder through the medium of a Depository Participant.
If an investor wants to utilise the services offered by a Depository, the
investor has to open an account with the Depository through a Depository
Participant. The Depository can legally transfer beneficial ownership which
a custodian cannot. The main objective of a Depository is to minimize the
paper work involved with the ownership, trading and transfer of securities.
Depository Participant
Similar to the brokers who trade on your behalf in and outside the Stock
Exchange; a Depository Participant (DP) is your representative (agent) in
the depository system providing the link between the Company and you
through the Depository. Your Depository Participant will maintain your
securities account balances and intimate to you the status of your holding
from time to time. According to SEBI guidelines, Financial Institutions like
banks, custodians, stockbrokers etc. can become participants in the
22 | P a g e

23 | P a g e

depository. A DP is one with whom you need to open an account to deal in

electronic form. While the Depository can be compared to a Bank, DP is
like a branch of your bank with whom you can have an account.

Operation of Depository System

The Depository System functions very much like the banking system. A
bank holds funds in accounts whereas a Depository holds securities in
accounts for its clients. A Bank transfers funds between accounts whereas a
Depository transfers securities between accounts. In both systems, the
transfer of funds or securities happens without the actual handling of funds
or securities. Both the Banks and the Depository are accountable for the
safe keeping of funds and securities respectively.

23 | P a g e

24 | P a g e

Chapter-5
DEMAT ACCOUNT & ASPECTS
Demat Account:
Demat account allows you to buy, sell and transact shares without the
endless paperwork and delays. It is also safe, secure and convenient.
Demat refers to a dematerialised account.
Just as you have to open an account with a bank if you want to save your
money, make cheque payments etc, you need to open a demat account if
you want to buy or sell stocks. So it is just like a bank account where actual
money is replaced by shares. You have to approach the DPs (remember,
they are like bank branches), to open your demat account.
Lets say your portfolio of shares looks like this: 40 of Infosys, 25 of
Wipro, 45 of HLL and 100 of ACC. All these will show in your demat
account. So you dont have to possess any physical certificates showing
that you own these shares. They are all held electronically in your account.
As you buy and sell the shares, they are adjusted in your account. Just like

24 | P a g e

25 | P a g e

a bank passbook or statement, the DP will provide you with periodic

statements of holdings and transactions.

Features of a Demat account?

1. Trading in the shares of the Company is now under the compulsory demat
segment. With SEBI making demat mandatory on most of the traded scrips,
electronic transaction will be the only way everyone will trade.
2. No stamp duty for transfer of securities in the electronic form. In case of
transfer of physical shares, stamp duty of 0.5 percent is payable on the
market value of shares being transferred.
3. All risks associated with physical certificates such as delays, loss, in transit,
theft, mutilation, bad deliveries, etc. eliminated. Your shares can be kept in
the Frozen Mode by your Depository Participant under your specific
instructions.
4. The concept of an odd lot in respect of dematerialized shares stands
abolished, i.e. in the demat mode, market lot becomes one share.
5. Dematerialised securities are most preferred by banks and other financiers
for providing credit facility against securities. Generally, demat securities
attract lower margin and lower rates of interest compared to physical
securities.
6. Even in the electronic mode of trading, the payment mechanism (usually
through a broker) between the buyer and seller continues to be as before.
25 | P a g e

26 | P a g e

Also the usual brokerage charges would have to be incurred. However, after
the settlement, pay in and pay out are on the same day for scripless trading
which means you get your securities as well as cash immediately.
7. Shares bought or sold are transferred in your name on the very next day of
pay out. In case of physical shares, transfer of ownership takes 30 days or
sometimes even more.
8. No courier / postal charges for sending share certificates / transfer deeds.
9. Facility for freezing / locking of investor accounts, which enables you to
make your account non-operational, for instance if you are abroad.
10.Facility to pledge and hypothecate your securities available.
11.As the Depository System becomes popular, brokers will be increasingly
reluctant to deal with physical shares.
Investors prefer to buy shares which are already in dematerialised form.

Steps to fill Demat Account

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

26 | P a g e

27 | P a g e

Points to be considerd for opening a demat account:

1. Only securities admitted by NSDL can be dematerialised. The list is
available with your DP.
2. Only securities registered in the name of the account holder can be
dematerialised.
3. Dematerialisation is normally completed within 15 days after the share
certificates have reached the issuer/ their R&T Agent. Thus it may take
you a month from the date you hand over shares, to receive demat
credit.
4. Dematerialisation would be done only when the issuer / their R&T
Agent is satisfied of genuineness of securities & ownership status.
5. All the joint holders should sign the DRF.
6. The pattern of holding in the DRF should match the pattern of holding
on the share certificate & the pattern in which account is opened.
7. Demat requests with name(s) not matching exactly with the name(s)
appearing on the certificates merely on account of initials not being
spelt out fully or put after or prior to the surname, would be processed,
provided the signature(s) of the client(s) on the DRF tallies with the
specimen signature(s) available with the issuer/ their R & T agent.
27 | P a g e

28 | P a g e

8. If the signature in the DRF does not match with the signature available
with the issuer/ their R & T agent, the issuer/ their R & T agent may at
the time of demat confirmation, ask for additional documentation (like
bank attestation/ notarisation, etc.) to prove that the certificate belongs
to the person who forwarded the DRF.
9. In case there is any problem in processing the DRF, contact your DP and
if he cannot resolve the problem you may contact NSDL.
Is a demat account a must?
Nowadays, practically all trades have to be settled in dematerialised form.
Although the market regulator, the Securities and Exchange Board of India
(SEBI), has allowed trades of upto 500 shares to be settled in physical
form, nobody wants physical shares any more. So a demat account is a
must for trading and investing.

Importance of demat account:

The

demat

account

reduces

brokerage

charges,

makes

pledging/hypothecation of shares easier, enables quick ownership of

securities on settlement resulting in increased liquidity, avoids confusion in
the ownership title of securities, and provides easy receipt of public issue
allotments. It also helps you avoid bad deliveries caused by signature
mismatch, postal delays and loss of certificates in transit. Further, it
eliminates risks associated with forgery, counterfeiting and loss due to fire,
theft or mutilation. Demat account holders can also avoid stamp duty (as
against 0.5 per cent payable on physical shares), avoid filling up of transfer
deeds, and obtain quick receipt of such benefits as stock splits and bonuses.
28 | P a g e

29 | P a g e

The benefits are enumerated below:1.A safe and convenient way to hold securities;
2.Immediate transfer of securities;
3.No stamp duty on transfer of securities;
4.Elimination of risks associated with physical certificates such as bad
delivery, fake securities, delays, thefts etc.;
5.Reduction in paperwork involved in transfer of securities;
6.Reduction in transaction cost;
7.No odd lot problem, even one share can be sold;
8.Nomination facility;
9.Change in address recorded with DP gets registered with all companies in
which investor holds securities electronically eliminating the need to
correspond with each of them separately;
10.Transmission of securities is done by DP eliminating correspondence
with companies;
11.Automatic credit into demat account of shares, arising out of
bonus/split/consolidation/merger etc.

29 | P a g e

30 | P a g e

12.Holding investments in equity and debt instruments in a single

account.

30 | P a g e

31 | P a g e

Chapter-6
RESEARCH METHODOLOGY
Research Design: - The Research was Descriptive in nature as is dealt
with describing the market and the buying behavior of consumers. The
research was designed to discover the potentiality of A Study Of Banking
& Awareness Of Saving Bank Accounts In at Mumbai and also the survey
of the individuals to know about their perception, the psychological factors
associated with the product, the benefits they are looking forth from the
product and how do they rank in terms of risk and returns associated with
it.
Sample Design: - The first step in order to accomplish the task was to draw
a sample. To serve this purpose, the sample technique adapted was
Random Sampling. Sample Size for the conduct of survey was taken to
get the details with necessary and reliable information, sanctioning of
working capital overdraft in the absence of security and many more issues
discussed therein.
Also by adopting this procedure it was ensured that the sample drawn
would have the same composition and characteristics of the population.

31 | P a g e

32 | P a g e

Types of universe: - The investors/ potential investors were basically

businessmen who are dealing in middle level trading and usually require
cash in hand while transacting in their regular course of business and for
meeting day-to-day requirements.
Size of the sample: - Since the population was homogeneous in nature to
large extent, hence a sample size of 60 respondents was taken into account
to achieve the objective of the study. Other prominent factors, kept in view
while determining the size of the sample were size of the population, the
number of questions in the schedule, the sampling procedure adopted and
the time constraint. Thus it fulfilled the requirements of efficiency,
reliability and flexibility.
Method of data collection: -Schedule (Performa containing set of
questions) was developed to conduct the survey. The researcher put the
respondents the questions from the performer and recorded the replies.
The schedule was available alternatives for data collection. The other
option was that of interview and questions. The schedule has many features
which added value to its use as a tool for accumulation of the required
information.
Firstly, the segment was general public consisted of Salaried people,
business class individuals and rest were students and not working people
such as retired ones. Moreover, if the mailing was used it would have made
the task of follow up extremely difficult.

32 | P a g e

33 | P a g e

Interview as a tool is quite economical but it is difficult to record and retain

the information and especially if the queries include open ended question.
Moreover, schedule surveys the purpose of a structure form the interview.
Though schedule has limitations like error on behalf of researchers while
recording the response or putting the query. It solved the purpose of data
collection for the project.
Contents of the schedule: - The schedule mainly comprised closed end
questions. A structure schedule was preferred for the study. Also the
language was kept as simple as possible and the questions were made an
unambiguous as possible. The questions have been arranged in a form to
provide all the needed information in maximum possible standardized
form.
The schedule consisted of questions which probed for the preference and
the reasons for certain buying pattern of the respondents. In order to
evaluate the efficiency of the schedule, a pilot survey was carried out. On
the basis of the finding of the pilot survey, necessary alternations were
made in he schedule to make it more effective.

33 | P a g e

34 | P a g e

Chapter-7
PROCEDURE OF SANCTIONING & OPENING OF
ACCOUNT
Steps involved:
First,
An investor has to approach a DP and fill up an account opening form. The
account opening form must be supported by copies of any one of the
approved documents to serve as proof of identity (POI) and proof of
address (POA) as specified by SEBI. Besides, production of PAN card in
original at the time of opening of account has been made mandatory
effective from April 01, 2006. All applicants should carry original
documents for verification by an authorized official of the depository
participant, under his signature.
Further,
The investor has to sign an agreement with DP in a depository prescribed
standard format, which details rights and duties of investor and DP. DP
should provide the investor with a copy of the agreement and schedule of
charges for their future reference. The DP will open the account in the
system and give an account number, which is also called BO ID
(Beneficiary Owner Identification number). The DP may revise the charges
by giving 30 days notice in advance. SEBI has rationalised the cost
structure for dematerialisation by removing account opening charges,
transaction charges for credit of securities, and custody charges vide
34 | P a g e

35 | P a g e

circular dated January 28, 2005.

Further,
SEBI has vide circular dated November 09, 2005 advised that with effect
from January 09, 2006, no charges shall be levied by a depository on DP
and consequently, by a DP on a Beneficiary Owner (BO) when a BO
transfers all the securities lying in his account to another branch of the
same DP or to another DP of the same depository or another depository,
provided the BO Account/s at transferee DP and at transferor DP are one
and the same, i.e. identical in all respects. In case the BO Account at
transferor DP is a joint account, the BO Account at transferee DP should
also be a joint account in the same sequence of ownership.
Important Documents Required:
The extent of documentation required to open a demat account may vary
according to your relationship with the institution. If you plan to open a
demat account with a bank, a savings account holder has an edge over the
non-account holder. In fact, banks usually offer additional incentives to
customers who open a demat account with them. Along with the
application form, your photographs (with co-applicants) and proof of
identity/residence/date of birth have to be submitted. The DPs also ask for a
DP-client agreement to be executed on non-judicial stamp paper.

35 | P a g e

36 | P a g e

Here is a broad list of requisities:

1. PAN card
2. Voters ID
3. Passport
4. Ration card
5. Drivers license
6. Photo credit card
7. Employee ID card
8. Bank attestation
9. IT returns
10.Electricity/ Landline phone bill

Rights
1. You can open more than one depository account in the same name
with single DP/ multiple DPs.
2. No minimum balance is required to be maintained in a depository
account.
3. You can give a one time standing instruction to your DP to receive
all the credits coming to your depository account automatically.

36 | P a g e

37 | P a g e

Procedure of Sanctioning: 1. Fill account opening form (available with your DP).
2. Give your DP the duly filled account opening form with introduction
documents as may be required.
3. Sign agreement with DP (agreement will state rights & obligations of
both parties). The agreement will contain the fee structure of your DP.
Your DP would give you a copy of this signed agreement for your
record.
4. DP would give you Client Id no. (account no.) once your depository
account is opened. This Client Id no. alongwith your DP Id no.forms a
unique combination. Both these nos. should be quoted in all your future
correspondence with DP/NSDL/ Issuing company/their registrar &
transfer (R&T) agent.
5. Your DP would give you pre-printed instruction slips for depository
services viz., dematerialisation, delivery instruction for trades,
etc..Preserve these carefully.
6. Your DP would give you a list of deadlines for giving instructions for
various depository

activities viz., transfer

purchase,etc.. If not, check with the DP.

37 | P a g e

for

effecting

sale,

38 | P a g e

Chapter-8
DEMAT SERVICES BY ICICI BANK
DEMAT SERVICES
ICICI Bank Demat Services boasts of an ever-growing customer base of
over 11.5 lacs account holders. In our continuous endeavor to offer best of
the class services to our customers we offer the following features:
e-Instructions: You can transfer securities 24 hours a day, 7 days a week
through Internet & Interactive Voice Response (IVR) at a lower cost.
Now with "Speak to transfer", you can also transfer or pledge
instructions through our customer care officer.
Consolidation Demat Account: Dematerialise your physical shares in
various holding patterns and consolidate all such scattered holdings into
your primary demat account at reduced cost.
Digitally Signed Statement: Receive your account statement and bill by
email.
Corporate Benefit Tracking: Track your dividend, interest, bonus
through your account statement.
Mobile Request: Access your demat account by sending SMS to enquire
about Holdings, Transactions, Bill & ISIN details.

38 | P a g e

39 | P a g e

Mobile Alerts: Receive SMS alerts for all debits/credits as well as for
any request which cannot be processed.
Dedicated customer care executives specially trained at our call centre,
to handle all your queries.
Countrywide network of over 235 branches, you are never far from an
ICICI Bank Demat Services outlet.

Account Opening
You can download the account opening forms from the site and submit
them at our branches offering Demat services. Viewing these files would
need Acrobat Reader installed on your machine. This will use
approximately 5MB of hard disk space. Click here to download Acrobat
Reader.
You can also visit the branches offering Demat service for opening the
Demat account. There is no fee for opening a DP account with ICICI.
However, a nominal fee will be levied towards services, as per our tariff.
You can choose between Standard Rate Card or Frequent Trader Rate Card
as per your trading volume. Or if you wish to hold your Bonds in Demat
form you can choose Bond Rate Card.

39 | P a g e

40 | P a g e

Account Opening Form to Open Securities Account

Resident Non Corporate Account Opening Form
Resident Corporate Account Opening Form
NRI Account Opening Form
Declaration Cum Undertaking Form for NRI Repatriable Account
Checklist for Filling NRI Demat Account Opening Form
* Submission of Passport and Valid Visa Copy is mandatory for NRI
Customers for opening a Depository Participant (DP) Account with effect
from 7th May 2007
Account Opening Form to open Commodities Account in NSDL
Resident Non Corporate Account Opening Form
Resident Corporate Account Opening Form
Clearing Member Account Opening Form
Note : The DP Client Agreement on pg.7 of the form should be franked
with stamp duty applicable to the state mentioned in the correspondence
address.
DP account number will be intimated by by e-mail if the mail-id is written
on the application form or by Courier or by post.
Account Opening Form to open Commodities Account in CDSL
Resident Non Corporate Account Opening Form
Resident Corporate Account Opening Form
Clearing Member Account Opening Form

40 | P a g e

41 | P a g e

For NRIs
No approval from the Reserve Bank of India (RBI) is required for opening
a Depository Participant (DP) Account. However, if you do not hold any
shares at the time of opening the account, please enter in the account
opening form as follows:
1. Submission of Passport and Valid Visa Copy is mandatory for NRI
Customers for opening a Depository Participant (DP) Account with effect
from 7th May 2007
2.RBI reference no: No Holdings
3.RBI approval date: Present date
If you hold shares that were allotted in the primary market (under the
Direct Investment Scheme), please enter in the account opening form as
follows:
1.RBI reference no: Under General Permission
2.RBI approval date: Present date
If you are providing your foreign address as your address of
communication. NRI rate card will be applicable to you. Else you can open
account in Standard Rate Card.
NRI Investments are classified on the following basis:
1. Repatriability and
2. Mode of investment
A. Repatriable Repatriable funds (i.e. those which can be taken abroad)
need to be kept in a separate bank account, i.e. NRE Bank account.
Typically, funds brought in from abroad are permitted in such an account.
41 | P a g e

42 | P a g e

Investments made from such funds can be repatriated, i.e. proceeds from
sale or otherwise from such investments can be taken abroad. Such
investments are maintained in a Repatriable Demat account.
B. Non-repatriable Non-repatriable funds (i.e. those which cannot be taken
abroad) need to be kept separate from repatriable funds in a separate bank
account i.e. NRO Bank account. Investments made from such funds cannot
be repatriated, i.e. proceeds from sale or otherwise from such investments
cannot be taken abroad. Such investments are maintained in a NonRepatriable Demat account. Money once transferred from NRE account to
NRO account loses its repatriability and hence, cannot be transferred back
to NRE account.

Mode of Investment :
A. Portfolio Investment Scheme (PINS)
Portfolio Investment Scheme (PINS) is a scheme of the Reserve Bank of
India (RBI) under which the 'Non Resident Indians (NRIs)' and 'Person of
Indian Origin (PIOs )' can purchase and sell shares and convertible
debentures of Indian Companies on a recognized stock exchange in India
by routing all such purchase/sale transactions through their account held
with a Designated Bank Branch . The Designated Bank maintains a record
of all investments done under PINS (PINS portfolio).

42 | P a g e

43 | P a g e

B. Non - PINS
Any investment other than under PINS is Typically, this includes:
1. Subscription to Primary market offerings (IPOs)
2. Investments made when resident in India.
3. Investments in Mutual funds
4. Investments in derivatives
5. Gifts and Inheritance
Deciding Combination :
You may have to open demat accounts of a specific combination if you
already hold physical shares in that combination. The physical shares can
be converted into electronic form in your demat account by submitting the
certificates along with a demat request form. You should also open the
required combination under the correct type of demat account :
PINS NRE : For shares acquired earlier under PINS on repatriation basis.
PINS NRO : For shares acquired earlier under PINS on non-repatriation
basis.
Non-PINS NRE : For shares acquired earlier other than under PINS on
repatriation basis.
Non-PINS NRO : For shares acquired earlier other than under PINS on
non-repatriation basis and also when 'Resident' in India.

43 | P a g e

44 | P a g e

Revised Depository Service Charges for residents retail customers and corporates
w.e.f 01/11/2006
Charge Head
A/c Opening
Annual Service Charges

(Rs 1200/- for customers receiving

statements by e-mail )
Agreement Stamp Paper
Buy - Market and Off-Market
Sell - Market and Off-Market (%
of transaction value of each ISIN)
Max. Rs. 500 for debt
instruments
For
trade
done
on
www.icicidirect.com
For
instruction
submitted
through Internet (e-instructions)
For
instruction submitted
through
Call
Centre
(einstructions)
For instruction submitted
through Branches
Rejection/fails
Extra charges for processing of
instructions submitted on the
execution date late (accepted at
Client's risk)
For instruction submitted
through Internet (e-instructions)
For instruction submitted
through
Call
Centre
(einstructions)
44 | P a g e

Standard
Charges
Nil
Rs. 500/- (Rs
450/for
customers
receiving
statements by email )

Frequent/Sub-brokers
Charges
Nil
Rs. 1250/-

Rs. 100/Nil

Rs. 100/Nil

Nil

Nil

0.04%
(Min. 0.02% (Min. Rs. 5/-)
Rs. 10/-)
0.04%
(Min. 0.02% (Min. Rs. 10/-)
Rs. 15/-)
0.04%
(Min. 0.02% (Min. Rs. 15/-)
Rs. 30/-)
Rs. 30 /Rs. 15/-

Nil

Nil

Nil

Nil

45 | P a g e

For
instruction
submitted
through Branches
Dematerialisation
For each request form
Extra for each certifcate
Rematerialisation
(For
each
request form)
Closure of Account
Pledge
Creation/Closure/Confirmation/
Invocation
(% of value for each ISIN in each
request)
If ICICI Bank is the counter
party
If ICICI Bank is not the counter
party
Additional Account Statements

Rs. 10/ISIN

per Rs. 10/- per ISIN

Rs. 35/Rs. 2/Rs. 20/-

Rs. 35/Rs. 2/Rs. 20/-

Nil

Nil

0.02%
(Min. 0.02% (Min. Rs. 15/-)
Rs. 15/-)
0.04%
(Min. 0.04% (Min. Rs. 30/-)
Rs. 30/-)
Rs. 20/Rs. 20/-

NSDL charges are chargeable extra at actuals. Present NSDL Charges are :
Sell - Market and Off-Market Rs. 6/- per debit instruction (nil for
commercial paper & short-term debt
instruments)
Remat
Rs.10 for every hundred securities or
part thereof ; or a flat fee of Rs.10
per certificate whichever is higher.
Pledge Creation
Rs. 25/- per instruction
Conditions:
The value of shares and charges is calculated as per NSDL formula and rates.
There will be a charge of Rs. 100/- for dishonor of any cheque or unsuccessful
attempt to recover payment through direct debit or ECS. The depository services
are liable to discontinuation if ICICI Bank is unable to recover charges from the
45 | P a g e

46 | P a g e

customer for any reason whatsoever. In such cases there will be a charge of Rs.
250/- for resumption of services and the services will be resumed after a minimum
of three working days from the date of receipt of request at Central Processing
Office, Mumbai.
Any service that is not indicated above will be charged separately as per the
rates applicable from time to time.

ICICI Bank reserves the right to revise the tariff structure from time to time,
with notice of 30 days. The notice may be given by ordinary post or by an
advertisement in a national daily.
If the Demat Account is closed during the year, no pro-rata refund of Annual
Service Charge will be made.
There are two options for the recovery of demat service charges:
Customers who have only a depository relationship with ICICI Bank, will be
required to pay an advance fee for each Demat Account, which will adjusted
against service charges.The customer will also undertake to replenish the balance
immediately when it falls below the threshold amount, as specified below :
Standard

Frequent/Sub-brokers

Advance Amount

Rs. 2,500/-

Rs. 7,500/-

Threshold Amount

Rs. 1,000/-

Rs. 2,000/-

Option:2 Customers who have a banking relationship with ICICI Bank will provide
a debit authorization for recovery of charges.

46 | P a g e

47 | P a g e

Chapter-9
DATA ANALYSIS & INTERPRETATION
Q.1 Are you aware with the term Market
and securities?
10%
Yes
No
90%
Inference: It was found that mostly 72 individuals were aware with the
term market and securities. Whereas 8 of the total 80 respondents are not
aware due to improperly awareness about the fact of trading in securities.

Q.2 If yes, Do you deal in the market securities?

18%

82%
Yes
No

Inference: - From the positive reply holders of 72 respondents, 59 agreed

that they prefer to deal in the market securities, shares and bonds. Again 13
of them told us that they do not trade in market securities.

47 | P a g e

48 | P a g e

Q.3 If yes, have you listen the name of ICICI Bank

(ICICI Direct.com)and traded with it?
Respondents
Ratio

50
40

44

30
20

15

10
0
Yes

Responses

No

Inference: - Out of the total 59, 44 individuals are very well aware with the
trading and dealing in securities with ICICI Bank (ICICI Direct.com) and
are keen to open De-mats accounts with the company. 15 of the total
respondents have said no.

18%

Q.4 What perspective do you think regarding ICICI

Bank, a leading Financial services organization?

5%

77%

Suitable
Fair
Unsuitable

Inference When further asked with the 44 respondents about the

perspective of the ICICI Bank, near about 34 find it suitable for all the
trading activities in share market and securities. 8 found fair whereas 2 of
the individuals found it unsuitable as they used to trade with their
individuals brokers.

48 | P a g e

49 | P a g e
Q.5 How do you trade in the market:

Broker

5%

14%

27%

ICICI Bank
Agent

54%
Other investment
and securities firm

Inference: - It has been significantly noted that the fact regarding trading
how the respondents actually trade in the shares and securities. 24 of the
individuals are involved with ICICI Bank (ICICI Direct.com), 12 of them
are through their one of the other brokers, 6 of them with other investment
and securities and rest 2 with their agent.
Q.6 Are you aware with the term
Dematerialization of accounts?
21%
Yes
No
79%

Inference: - From the known respondents of 72, it has been inferred that 57
of them are known with the term Dematerialization of the accounts as it is
very important in todays life for one to deal in the stock market. Rest 15
individuals are quite unaware or less aware and need to be guided them
properly so that they may be to deal systematically in their securities via
ICICI Bank.

49 | P a g e

50 | P a g e
Q.7 Have you opened your De-Mat account while trading
with securities?

13, 23%
Yes
No
44, 77%

Inference: - Out of the 57 respondents who are aware with the term of
Dematerialization of the accounts, 44 individuals have already or opened
their accounts with us for their safe, secure and return growing investment
trading. Still 13 of the individuals have not opened their accounts but
positively they will open their accounts.
Q.8 Do you wish to open De-Mat accounts with ICICI Bank
which takes care of your all-financial services to the
maximum satisfaction of yours?
35%

15%
50%

Yes
No
later

Inference: - When enquired from 72 respondents that they wish to open the
De-mats accounts with ICICI Bank for themselves or for their near ones
who is interested in trading in securities, 11 individuals agreed to open their
accounts. 36 said later because they have already opened their accounts. 25
said no as they have open their accounts with one or other firms dealing in
securities.

50 | P a g e

51 | P a g e
Q.9 If you havent traded in your life, do you wish to learn and
join the world of market securities and investment with risk
free through ICICI Bank (ICICI Direct.com) Money?
17%
Yes

83%

No

Inf
erence: - We asked with the respondents who were unaware with the term
market about if they wish to look forward positively for risk and hassle free
investment and want toget the accurate information which can emerge the
trading power in them via ICICI BANK (ICICI Direct.com), we receive
83% of the total respondents who said yes, whereas 17% preferred no as
this field is not their cup of the tea.
Q.10 Where you preferably invest your money besides
securities?
40
30
20
10
0

34
16

)
nd
Fu
/CA
l
B
a
/S
utu
FD
(
M
k
n
In
Ba
In

20

18

e
s
anc
/RD
r
u
C
S
Ins
F/N
In
P
P
In

Inference: -Besides securities entire 60 respondents preferences to invest

in the following one or more of the financial services: In Mutual Fund
In Bank (FD/SB/CA)

51 | P a g e

16 In Insurance
20
34 In PPF/NSC/RDs 18

52 | P a g e
Q.11 Do you agree that to beat inflation and sustain in the
Indian economy one has to invest his hardcore money in
the high return generating scheme or plan where he can
avail many benefits in a cost of one?

6%
Yes
No
94%
Inference: - it has been a group positive reply regarding if to sustain in the
world of inflation one has to make investment which gives high return so that
they can be able to meet their future requirements of their near ones with ear
and comfort. People are now more inflation conscious and feeling that to beat
the inflation one has to secure his future funds and to get potentially higher
returns to sustain wealthy.

52 | P a g e

53 | P a g e

Chapter-10
LIMITATIONS
The following are the limitations as were found during the project:
a) People are not enough professionally sound to be the part of the
organization in delivering quality service to customers. They are under
aged and failed to deliver what the customer wants from them in making
out a solution to the problems.
b) There is a limitation faced by ICICI BANK that despite earning a good
brand name in the baking sector era, still people hesitate to open their
Demat Accounts on a private banking institution. Although this
limitation is eradicating due to well promotion by the ICICI BANK.
c) Lack of knowledge of company policies and procedures create a great
mess to the personnel working therein which is the result of inadequate
training and development to the working persons.
d) There is an also a limitation that an individual has to wait for a fairly
considerable time for his services of trading.
e) If a file is declined then an individual cannot logged his same file for the
further 6 months.

53 | P a g e

54 | P a g e

Chapter-11
SWOT ANALYSIS
Strengths: 1. A Big brand name of ICICI Bank.
2. Reliable customer service, better communication modes making it to
acquire huge customer base.
3. A private bank with the Largest satisfied customers in its quota.
Weaknesses: 1. Delay in handling queries.
2. Often delay in opening of Demat accounts
3. Risk of losing customers due to cut throat competition by not providing
quality services as expected by customers.
Opportunities: 1. Demat Accounts can be captured more to the potential investors who
generally trade via brokers ort local authorities and by making them
aware with the fact.
2. Growing competition but slowly.
Threat: 1. Enhancive competition with augmentation of new banks e.g. Centurion
bnak of Punjab and by existing ones such as IDBI, HDFC, CITI Bank,
SBI.

54 | P a g e

55 | P a g e

Chapter-12
CONCLUSION
Training under a prestigious organization like ICICI BANK was more of a
knowledge based experience where I came to understand and realize the
working under corporate environment and with team efforts.
I came to realize the application of my managerial studies and come to a
conclusion that training is an essential curriculum of the managerial studies
and one must go through for his clear understanding of the topics he/she
undertook in his previous years of the management course.
The basic objective of my training was to analyze the Procedure of
sanctioning of Demat accounts services as conducted by ICICI bank and its
services with respect to trading in securities via ICICI Direct.com and
Dematerialization of accounts and what the customer of today perceive for
our services. What significant was the name of the ICICI upon which
people are now imposing their trust and confident and feeling secure in
dealing with ICICI.

55 | P a g e

56 | P a g e

RECOMMENDATIONS
Following can be given as suggestions for the upliftment of the company
future growth and successive track over other competitors:
There should be a systematic way of documentation and dealing in the
matter of opening of Demat accounts with customers.
ICICI BANK should develop its staff to inculcate to solve grievances of
customers as early as possible and therefore emphasis should be given to
Training & Induction of employees and orientation towards coming
scenario and industrial trends.
There should be proper handling of customer grievances as well as his
deposits and withdrawal requests should be met as prompt desired.
A regular track on his performance in making the payment of
installations by the customer as well as to facilitate in troubles due
course of guidance and support so that he may not feel isolated in grief.
A regular reminder must be send by the company to review his account
performance to him.

56 | P a g e

57 | P a g e

QUESTIONNAIRE
Name: -
Age: -
Contact No.:
Location:- ..

Q.1 Are you aware with the term Equity Market and securities?
a) Yes
b) No

Q.2 If yes, Do you deal in the market securities?

a) Yes
b) No

57 | P a g e

58 | P a g e

Q.3 If yes, have you heard the name of ICICI BANK (ICICI Direct.com) and
traded with it?
a) Yes
b) No

Q.4 What perspective do you think regarding ICICI BANK, a leading Financial
services organization?
a) ___________________________________________________________
b) ___________________________________________________________
c) ___________________________________________________________

Q.5 How do you trade in the market:

a) Via Broker , Name it____________________
b) Via agent
c) Via ICICI BANK
d) Via Other investment and securities firm

Q.6 Are you aware with the term Dematerialization of accounts?

a) Yes
b) No

58 | P a g e

59 | P a g e

Q.7 Have you opened your De-Mat account while trading with securities?
a) Yes
b) No

Q.8 Do you wish to open De-Mat accounts with ICICI BANK Securities which
takes care of your all-financial services to the maximum satisfaction of yours?
a) Yes
b) No

Q.9 If you havent traded in your life, do you wish to learn and join the world of
market securities and investment with risk free through ICICI BANK?
a) Yes
b) No

Q.10 Where you preferably invest your money besides Equity Market

59 | P a g e

a) In Mutual Fund

b) In Insurance

c) In Bank (FD/SB/CA)

d) In PPF/NSC/RDs

60 | P a g e

Q.11 Do you agree that to beat inflation and sustain in the Indian economy one has
to invest his hardcore money in the high return generating scheme or plan where he
can avail many benefits in a cost of one?
a) Yes
b) No

Yours Valuable Suggestions

1.
2..
3.
4.

ICICI BANK

60 | P a g e

61 | P a g e

BIBLIOGRAPHY
BOOKS
1. Kothari, C.R. Research Methodology & Management, 4th Edition, 05

2. Pillai R.S.N. & Bagavathi, Management Accounting, S.Chand &

Company Limited, Eight Edition.
3. Kotler Philip, Marketing Manager, 5th Edition, 2006

MAGAZINES:
a) Business World, ICICI Bank Trading Bullish2007, May
b) ICICI Brochures
MEDIA: a) The Economics times, Indian Banking on a rise, 2006, May

REFERENCES
WEBSITES: a) www.icicibank.com
b) www.ibef.org
c) www.ciionline.com
d) www.sebi.org

61 | P a g e