A REPORT ON

ORGANIZATION ATTACHMENT PROGRAMME

For
NJ INDIA INVEST PVT LTD, Nadiad.
Submitted to
INDUKAKA IPCOWALA INSTITUTE OF MANAGEMENT (I2IM)
CHAROTAR UNIVERCITY OF SCIENCE AND TECHNOLOGY
(CHARUSAT)
CHANGA
Prepared by
Soni Shail
ID No: 14BBA058
Dual Degree B.B.A + M.B.A Progremme, Semester-IV
Under The Guidence of
Mr. Rajesh Sadhavani

INDUKAKA IPCOWALA INSTITUTE OF MANAGEMENT (I2IM)

CHAROTAR UNIVERCITY OF SCIENCE AND TECHNOLOGY
(CHARUSAT)
AT.& PO CHANGA-388421 TA: PETLAD DIST.ANAND,GUJARAT
JULY 2016
1

DECLARATION
I Shail Soni, Student of the three year-Dual Degree BBA+MBA Programme at Indukaka Ipcowala Institute Of
Management (I2IM) hereby declare that the report on organization attachment programmeentiteld NJ INDIA
INVESTS PVT. LTD. is the result of my own work. I also acknowledge the other works / publications cited in
the report.

Place: Changa
Date:

Name: Soni Shail

Sign:

ACKNOWLEDGEMENT
Here you have the opportunity to thank the various people who have helped in the development of the project. It
might include specific individuals who have given information, offered insights, or generally been supportive.
Gratitude may be expressed to groups of people like department terms, heads, faculty members or individuals
like guides from industry , institute and dean/principal.

PART I ORGANISATIONAL PROFILE

INDEX
1. About NJ India invests..5
2. NJ Funds Network7
3. Vision and Mission11
4. FOUNDER OF THE COMPANY...11
5. BUSINESS MODULE OF NJ..12
6. Values.....13
7. Mutual Funds: An overview.18
8. TYPES OF MUTUAL FUNDS....19
9. 360 - Advisory Platform Of NJ Funds......20
10.Part -2-26
11. Research proposal...27
12. Research subject..27
13. Research Objective..27
14. Sample size....27
15. Research sampling method.27
16. Annexure..28
17. Data Analyses & interpretation.....31
18. Conclusion....40
19. Bibliography.40

About NJ India Invests

NJ India Invest Pvt. Ltd. is one of the leading advisors and distributors of financial products and
services in India. Established in year 1994, NJ has over a decade of rich exposure in financial
investments space and portfolio advisory services. From a humble Beginning, NJ over the years
has evolved out to be a professionally managed, quality conscious and customer focused
financial / Investment advisory & distribution firm.

NJ prides in being a professionally managed, quality focused and customer centric organization.
The strength of NJ lies in the strong domain knowledge in investment consultancy and the
delivery of sustainable value to clients with support from cutting edge technology platform,
developed in-house by NJ.

At NJ They believe in

Having single window, multiple solutions that are integrated for

Simplicity and sapience

Making innovations, accessions, value-additions, a constant

Process

Providing customers with solutions for tomorrow which will keep

Them above the curve, today

NJ Funds Network was established in year 2003 as a dedicated platform offering comprehensive
services and support to the independent financial advisors. The services offered by NJ Funds
5

Network are increasingly recognized as the best and most Comprehensive in nature. The scope,
depth, and quality of the services and support are unmatched in the industry. NJ Funds Network
is proud to be the pioneers in India in providing the 360 Advisory platform to independent
advisors. With this NJ managed to successfully transform the business of many independent
financial advisors, bringing them on equal footing or even better than the strongest competitors
in the industry. NJ has over 8,600* NJ Funds Network Partners and over 4,500* normal advisors
associated with us. NJ presently has over Rs. 5,050* Crore of assets under advice. NJ has over
130* PSCs (Partner Service Centers) in 22* states spread across India. The Numbers are
reflections of the trust, commitment and value that NJ shares with its clients.
Doing the 'right' thing is a virtue most desirable. The difference between success and failure is
often, not dictated by knowledge or expertise, but by its actual application and perseverance.
When it comes to successful wealth creation for customers, it is something that they believe in &
practice. For us it is more than a mission; it is what defines our lives and our actions at NJ India
Invest. With this passion, they continue to evolve and make the right product accessions and
service innovations in our offerings. To the advisors, we offer a 360 comprehensive business
platform with unmatched IT solutions, empowering them to set the best practice standards and
deliver real value to their customers. Over the years, our passion has seen us grow from strength
to strength and expand rapidly, setting new benchmarks in the process. But to us, what really
matters the most is the number of lives they have managed to transform and we still have a long
way to go.
Today NJ India invest Pvt. Ltd. is one of the leading advisors and distributors of financial
products and services in India. Established in year 1994, NJ has over a decade of rich exposure
in financial investments space and portfolio advisory services. From a humble beginning, NJ,
over the years has evolved out to be a professionally managed, quality conscious and customer
focused financial / investment advisory & distribution firm. NJ prides in being a professionally
managed, quality focused and customer centric organization. The strength of NJ lies in the strong
domain knowledge in investment consultancy and the delivery of sustainable value to clients
with support from cutting-edge technology platform, developed in-house by NJ.

NJ Funds Network

NJ Funds Network has been playing a pioneering role in India in providing independent advisors
/ advisory firms with integrated, comprehensive and practical business solutions for ensuring
continuous growth & continuity of business. It provides the financial advisors and the institutions
that serve them with insights, strategies and tools to help them significantly grow their
businesses. How do we do it? Thats because we understand how financial & wealth
management businesses work and what is needed to manage, monitor and grow the practice.

NJ Funds Network:
It started in 2003, is a dedicated channel for providing independent financial
advisors or IFA's with a complete business platform for the strengthening and
development of their advisory practice. NJ offers advisors under its network will
all the products; support and services that enables them add considerable value to
7

their business, emerge as a 'new age professional financial advisor' and compete
confidently in the industry.
Established as a distinct entity, NJ Wealth Advisors Pvt. Ltd. seeks to offer
comprehensive financial planning and portfolio advisory services to premium
clients. With NJ Wealth Advisors, NJ seeks to leverage the strong financial
advisory and portfolio management skills gained in over a decade of experience in
the industry. NJ Wealth Advisors offers its clients with quality, unbiased, needbased advisory services & investment solutions.
NJ Wealth Advisors:
It is a provider of comprehensive investment advisory and product distribution
services. With a strong lineage, NJ Wealth Advisors possesses rich experience and
strong domain understanding in delivering quality investment advisory services to
its clients. We address your investment management and advisory concerns
through our process driven approach and
comprehensive technological offerings. Our services are customized to meet your
specific needs in wealth creation and wealth management.
NJ Gurukul:
This sporadic growth in terms of need of performers in financial advisory services
has lead to the crunch of available performers. Though lots of youngsters are
getting into financial advisory services, but the greatest challenge is of RIGHT
SELLING, for which adequate Training is a prerequisite. Advisory function
demands updated knowledge, backed up by honed skills to fetch effective business.
Building long term relationship with clients depends upon possessing clear edge
over others in the field. Hence continuous people development has an important
role in building this fraternity.
Fin logic Technology:
Technology has traditionally been NJ's key strength. Our offering on the
technological front is unmatched, vibrant, and comprehensive in nature. Our focus
& commitment on technology can be gauged from the fact that we have set-up
distinct entity with a very strong, talented work-force for the sole purpose of
8

providing the best to NJ in terms of technology and support. Fin logic

Technologies (India) Pvt. Ltd. does all the development & support work in-house
on a continuous basis. It has successfully developed & implemented a powerful
support system for the mutual fund distribution business at NJ with a provision for
integrating the same with other investment products as well as the financial
accounting system.
NJ India Realty:
From India to a New India the world as we know is in a metamorphosis today.
The stage is wide open for those who are in transformation themselves and to those
who wish to be a part of it. The changing landscape offers a miscellany of great
opportunities and greater challenges. Riding past the obscurity with sense and
executing functions with efficiency, will be the key to turning your realty
aspirations into a reality.
At NJ India Realty we understand the challenges in shaping reality from your
realty aspirations. With our fully integrated end-to-end service model we offer
solutions that would enable you to meet the challenges of development, fortify
your own transformation and exploit the opportunities available in the Indian realty
sector.
At NJ India Realty we have made backward & forward integration of valueadded services to the core-realty services which lie at the heart of the business. The
services at NJ India Realty enable continual partnership right from idea to its
reality, encompassing all functional & operational undertakings. At NJ India Realty
we aim to provide you with substantive value in
Delivering core realty services
Execution of the other value-added services
NJ India Realty has a rich experience and a vast repertoire in project planning &
execution in the realty domain. The strong processes and systems in place ensure
the effective & timely execution of the projects. High-quality assurance forms the
under-current in the entire value-chain of service delivery.

NJ India Realty brings with it professional management, total quality

consciousness, confidence and keenness to offer customers with high-quality
development at attractive value propositions. At NJ India Realty we commit
ourselves to the continuous improvements, accessions in the value-chain and the
best practices adopted by the industry.
The team at NJ India Realty aims to not only fulfill but also exceed your desired
value. With the vast experience & strong delivery mechanism, we at NJ India
Realty ensure that you are successful in shaping reality from your realty
aspirations.
Build One
An integrated service model offering end-to-end - 360 Realty Services to cater to
the diverse needs of corporate & developers in project management & execution
managing realty projects right from identification to marketing is a lengthy process
replete with many challenges. You may be keen to execute realty projects for
commercial / residential purposes but may not be equipped with the right skillsets / know-how for the undertaking.
Build-One offers you with an integrated service model meeting the entire realty
business need to help you successfully undertake your realty projects. Build-One
offers you with a unified value-chain of core realty services with critical forward &
backward integration of other valueadded services. The services are effectively
streamlined enabling steady progression of the projects, right from idea
conceptualisation to profit generation / hand-over, encompassing all functional &
operational tasks.
With a vast experience in project management & execution, NJ India Realty offers
you with true business value in successful execution of realty projects with
enhanced delivery of the desired value.

10

Vision and Mission

Vision:
Creating Wealth Transforming Lives

Total Customer Satisfaction

Commitment to Excellence

Determination to Succeed with strict adherence to compliance

Successful Wealth Creation of our Customers

Mission:
They work towards building trusted relationship with our stakeholders, for inclusive growth
through constant process of innovation; time bound implementation & execution of ideas and
technological developments. They stretch our means and go overboard to make sure that our
clients' aspirations, dreams and expectations are met with, through high service standards.

FOUNDER OF THE COMPANY (Directors)

Neerajchoksi -

joint manager

Jignesh Desai -

joint manage

11

BUSINESS MODULE OF NJ
AMC

NJ
NJ

PARTNER

CLIENT

Recruitment Process for Employee

1.
2.
3.
4.
5.
6.

Send resume to HR
HR Send resume to Regional Head
Employee should give a test
Documentation
Regional head take a interview
Joining Latter

12

Values

At NJ their service and investing thinking is inspire and shape the thoughts, attitude, actions and
decisions of their employees. If NJ would beliefs, At NJ our Service and investing idea inspire
and shape resemble a body; our philosophy would be our spirit which drives their body.

Service viewpoint:

Their primary measure of success is customer satisfaction. They are committed to provide their
customers with continuous, long- term improvements and value-additions to meet the needs in an
exceptional way. In their efforts to consistently deliver the best service possible to their
customers, so that all employees of NJ will make every effort to:

Think of the customer first, take responsibility, and make prompt

Service to the customer a priority

deliver upon the commitments & promises made on time

Anticipate, visualize, understand, meet, exceed their customers
Needs

Bring energy, passion & excellence in everything they do

Be honest and ethical, in action & attitude, and keep the customers
Interest supreme

Strengthen customer relationships by providing service in a

Thoughtful & proactive manner and meet the expectations and effectively.

13

Investing Viewpoint:

They aim to provide Need-based solutions for long-term wealth creation they aim to provide all
customers of NJ, directly or indirectly, with true, unbiased, need-based solutions and advice that
best meets their stated & un-stated needs. In their efforts to provide quality
Financial & investment advice, we believe that

Clients want need-based solutions, which fits them

Long-term wealth creation is simple and straight
Asset-Allocation is the ideal & the best way for long-term wealth
Creation

Educating and disclosing all the important facets which the

Customer needs to be aware of, is important

The solutions must be unbiased, feasible, practical, executable,

Measurable and flexible

Constant monitoring and proper after-sales service is critical to

Complete the on-going process

At NJ their aim is to earn the trust and respect of the employees, customers, partners, regulators,
industry members and the community at large by following their Service and investing
philosophy with commitment and without exceptions.

14

Management

The management at NJ brings together a team of people with wide experience and knowledge in
the financial services domain. The management provides direction and guidance to the whole
organization. The management has strong visions for NJ as a globally respected company
providing comprehensive services in financial sector.

The Customer First philosophy in deeply ingrained in the management at NJ. The aim of the
management is to bring the best to the customers in terms of

Range of products and services offered

Quality Customer Service

All the key members of the organization put in great focus on the processes & systems under the
diverse functions of business. The management also focuses on utilizing technology as the key
enabler for all the activities and to leverage the technology for enhancing overall customer
experience.

People & Culture

People: - Enthusiasm, Enterprise, Education and Ethics form the four pillars at NJ. At NJ one
can witness the vibrant energy, enthusiasm and the enterprising drive to excel flowing freely
throughout the organization. At NJ can also experience the creativity, one-to-one responsiveness,
collaborative approach and passion for delivering value. At NJ people evolve to be more
effective, efficient, and result oriented. Knowledge is inherent due to the education-centric
approach and the experience in handling different clients groups across diverse product profiles.
NJ understands that the people are the most important assets of the company and it is not the
company that grows but the people. NJ hence undertakes rigorous training and educational
activities for enhancing the entire team at NJ. NJ also believes in the

15

Learning through Responsibility concept for its employees. For people at NJ success is not a
new word, but is a regular stepping-stone to realizing the one vision that everyone shares.
Culture: - At NJ they believe in transforming the lives of their customers. They exist to create a
difference a change towards a better life. The culture at NJ reflects this responsibility, this
dream of transforming lives. And they at NJ are always excited and enthused in doing so. They
believe in keeping You First and providing you with products and services that meet your stated
and unstated needs. Client satisfaction and client service is the Mantra they constantly recite.
This service oriented philosophy runs throughout the organization, from top to bottom.
Employees are given ample freedom in their work. The objective is to keep an open, healthy
environment with ample scope for enterprise, improvement, innovations and out-of-the box
solutions Their efforts are constantly engaged in improving our existing services, offering new
and innovative solutions that go beyond your expectations. This focus has made them one of the
most respected and preferred service providers, especially in the mutual fund industry.

Service Standards

Service in words, service in action

Service is the key to unlocking customer satisfaction, which again is Key for sustainability of
any business. At NJ they understand this very well. NJ has set strict processes in place to deliver
quality services to customers. At NJ strict quality service standards are set and a well-defined
process is established and followed religiously by their quality customer service teams.
Performance is evaluated on a frequent basis and glitches are ironed out. But quality service also
involves quality people in addition to processes. NJ gives significant focus to the proper training
and development of the people involved in the service delivery chain.

Further they,

16

Have well-defined "Privacy Policy" to keep clients. Information confidential & internal

audits done on the same at regular intervals

Receive various statistics which are analyzed on an ongoing basis to improve the service
standards

They are committed to improve and enhance our services and undertake new service initiatives.
Such and other services differentiate us with other service providers in the industry.

Their Service Commitments

The service commitments are to guide the actions of the people at NJ. Clearly stated, advisors
can freely communicate any such actions/events wherein they feel that any of the following
Commitments have been breached / compromised. At NJ they desire to honor their commitments
at all points of time and to all their advisors without any bias.

To provide advisor-focused need-based valued services

To provide reliable, accurate and timely information
To maintain all records in privacy
To optimize services/benefits at least justifiable cost
To develop and grow the advisors. business
To provide constructive after sales service
To honor our service commitments

Mutual Funds: An overview

17

A Mutual Fund is a trust that pools the savings of a number of investors who share a common
financial goal. The money thus collected is invested by the fund manager in different types of
securities depending upon the objective of the scheme. These could range from shares to
debentures to money market instruments. The income earned through these investments and the
capital appreciations realized by the scheme are shared by its unit holders in proportion to the
number of units owned by them (pro rata). Thus a Mutual Fund is the most suitable investment
for the common strategy.
A mutual fund is the ideal investment vehicle for todays complex and modern financial scenario.
Markets for equity shares, bonds and complex and modern financial scenario. Markets for
equity shares, bonds and other fixed income instruments, real estate, derivatives and other assets
have become mature and information driven. Price changes in these assets are driven by global
events occurring in faraway places. A typical individual is unlikely to have the knowledge, skills,
inclination and time to keep track of events, understand their implications and act speedily. An
individual also finds it difficult to keep track of ownership of his assets, investments, brokerage
dues and bank transactions etc.

A mutual fund is the answer to all these situations. It appoints professionally qualified and
experienced staff that manages each of these functions on a full time basis. The large pool of
money collected in the fund allows it to hire such staff at a very low cost to each investor. In
effect, the mutual fund vehicle exploits economies of scale in all three areas research,
investments and transaction processing. While the concept of individuals coming together to
invest money collectively is not new, the mutual fund in its present form is a 20th century
phenomenon. In fact, mutual funds gained popularity only after the Second World War.
Globally, there are thousands of firms offering tens of thousands of mutual funds with different
investment objectives. Today, mutual funds collectively manage almost as much as or more
money as compared to banks.

18

A draft offer document is to be prepared at the time of launching the fund. Typically, it pre
specifies the investment objectives of the fund, the risk associated, the costs involved in the
process and the broad rules for entry into and exit from the fund and other areas of operation. In
India, as in most countries, these sponsors need approval from a regulator, SEBI (Securities
exchange Board of India) in our case. SEBI looks at track records of the sponsor and its financial
strength in granting approval to the fund for commencing operations.

A sponsor then hires an asset management company to invest the funds according to the
investment objective. It also hires another entity to be the custodian of the assets of the fund and
perhaps a third one to handle registry work for the unit holders (subscribers) of the fund.
In the Indian context, the sponsors promote the Asset Management Company also, in which it
holds a majority stake. In many cases a sponsor can hold a 100% stake in the Asset Management
Company (AMC). E.g. Birla Global Finance is the sponsor of the Birla Sun Life
Asset Management Company Ltd., which has floated different mutual funds schemes and also
acts as an asset manager for the funds collected under the schemes.

TYPES OF MUTUAL FUNDS

Mutual fund schemes may be classified on the basis of its structure and its investment objective.
By Structure:
OPEN ENDED FUNDS: - An open-end fund is one that is available for subscription all
through the year. These do not have a fixed maturity. Investors can conveniently buy and sell
units at Net Asset Value (NAV) related prices. The key feature of open-end schemes is
liquidity.

CLOSED-ENDED FUNDS: -A closed-end fund has a stipulated maturity period which

generally ranging from 3 to 15 years. The fund is open for subscription only during a specified
19

period. Investors can invest in the scheme at the time of the initial public issue and thereafter
they can buy or sell the units of the scheme on the stock exchanges where they are listed. In
order to provide an exit route to the investors, some close-ended funds give an option of selling
back the units to the Mutual Fund through periodic repurchase at NAV related prices. SEBI
Regulations stipulate that at least one of the two exit routes is provided to the investor.

INTERVAL FUNDS: - Interval funds combine the features of open-ended and close-ended
schemes. They are open for sale or redemption during pre-determined intervals at NAV related
prices
360 - Advisory Platform OfNjFundz
360 is not an angle but 360advisor platform it means by how many ways NJ helps their
advisor to develop their Business.
NJ offers you with a unique, comprehensive business platform to help you grow &
develop your advisory practice in a powerful, effective way. The platform delivers much more to
you, keeping you above curve - both on your business front and on client services.

Marketing Support The Marketing Team will help you give the relevant support needed for effective
sales, creating brand and for the development of your business. The Marketing / Sales team will help you
with the following marketing support
20

Branded Flyers and One-pagers for products, new launches/NFOs, services, etc
Business Organizers, Performance Review Hand-books, etc
Communication support NJ Knowledge Edge and NJ I-Gurukul series Letters, Direct Mail
pieces Email Communications for products, new launches/NFOs, services, etc Calculators and
Tools for effective communication to clients Support in form of NJ websites, web services and
product development Branded Presentations. Effective marketing support would help you
complete your offering and package it properly. Such support would also add to your
effectiveness in sales activities. NJ India Invest and NJ Fundz Network enjoy a strong brand in
the industry. An NJ Fundz Network Partner leverages upon this brand in the market to gain
credibility and acceptance. NJ aims to support the NJ Fundz Partners in marketing indirectly by
contributing through written articles, advertisements in various magazines, newspapers, etc.

Sales & Development Support

Sales and development support form an integral part at NJ. Each NJ Fundz Network Partner has a
dedicated Relationship Executive and/or a Relationship Manager. The Relationship Executive stays in
touch with you on an ongoing, regular basis and provides you with all the support that you need. Your
requirements in terms of sales, marketing materials, application forms, etc would be taken care of.
Normally the team at NJ would help you with

Joint Calls to your clients

Presentations at your Client Meets
Organizing Sales Meets, Fairs and Workshops Business sales planning and helping you achieve
your personal business targets

You may even get experts from industry like Sales/Marketing Heads, Fund Managers, and Senior
Executives to speak at your Client Meets. Such activities have helped our Partners to gain rapid
acceptance, trust and goodwill in the markets. The active support from the sales team from NJ has
helped transform the businesses of many Partners working with us.
Print shop
At NJ we understand the importance of an effective marketing support. At NJ we have initiated
the Print Shop to a cutting marketing edge to our advisors.
Print Shop Features:
Pre-defined inventory / marketing materials available on an online menu card. Advisors only need to
place orders after viewing samples online Customization of marketing materials for advisors to reflect
their brand, contact details, etc NJ does all the conceptualization, designing, content and printing work.
Materials are sent to the advisors to the door step.

21

Print Shop Advantages:

Advisors get quality marketing materials with their own brand and much lower costs
Advisors using Print Shop services get benefits in
Client Acquisition
Client Loyalty
Communication to Existing Clients
Business mobilization

Items available presently available in Print Shop:

Leaflets & Flyers

Banners & Hoardings
Human Hoardings
Monthly Newsletters
One pagers
Canopy & Tents

Technology
Technology is the biggest differentiator NJ pots a lot of efforts and resources are put in to build a
technological edge to give you the best possible services to you so that you give the same to your clients.
Technology has been and is our key strength. What we offer on the technological front is unique and
comprehensive. Our focus can be gauged from the fact that we have a separate sister concern started for
the sole purpose of providing the best support to NJ in terms of technology. High infrastructural spending
is done to improve & strengthen our deliverables on this technological front. Fin logic Technologies
(India) Pvt. Ltd. does all the development work inhouse on a continuous basis through its team of talented
professionals. All the tools, services, products, etc offered by NJ has been developed in-house according
to what we feel.
In todays world much is dictated by two important words Information and Technology. NJ realizes
this more than anyone else. And thats way we make constant efforts to keep you ahead of the curve and
ensure that you and your client receive quality, accurate and timely information. But technology by itself
cannot make a difference. Only when technology is combined with strong domain knowledge and
understanding of customer needs, can it truly help make a significant difference. And this is what NJ has
achieved and aims to continue doing so.

22

Your Total Technology Solution Website creation and Management

On-line Automatic Investment Accounts to all clients

Centralized Online Automatic Advisor Account (Partners Desk) for Management, MIS, Portfolio
Access, etc.
Marketing, Sales and other support through application of technology

There exists a strong difference in quality, scope and type of reports offered by NJ against other
distributors. NJ, with very strong domain knowledge especially in mutual funds, and with investmentmanagement perspective offers reports that are superior to other advisors and brokers and are even
superior compared to what many good banks offer.
Further, the Partners Desk service offered by NJ is a pioneering effort in the industry. The kind of tools
and reports offered on the Desk is unique, more useful and superior to those offered by other distributors.
Data Management at NJ has made arrangements to receive the following Details of transaction of any
nature in Mutual Funds by any client, through our Associates or us, on a Daily basis NAV, Dividend, and
other details of all the Mutual Fund schemes on a Daily basis, Monthly Portfolio and other important
information of all the Mutual Fund schemes All relevant details of Direct Equities like Prices,
Dividends, Bonus, Market Capitalizations, etc on a Daily basis.
Partner Desk
The Partners Desk is a unique offering of great use to Independent Financial Advisors. The Partners Desk
lies at the heart of the NJ Fundz offering exclusive to NJ Fundz Partners. The Partners Desk is a webbased online account, which is updated on a daily basis.
The Partner Desk is the tool to keep you in full control of your business. The following are the tools
available to you at the desk Tools to Service Nests subscribed by you Includes Mutual Fund Nest,
Web Nest, Wealth Nest, etc
Comprehensive MIS Reports Client Portfolio Access AUM, Income,
Brokerage, Transaction, and many other reports Comprehensive SIP Reports Important Client reports The
Partners Desk gives you all the reports and insights that will help you in keeping records and management
of your business.
With Partners Desk

You do not need to maintain back-office records and reports with yourself.
You do not need to maintain records of the investments done by your clients.
You can centrally manage your NJ Services, send Queries, check Emails, etc.
You can effectively use reports/tools to improve your services to your clients and develop your
business.
You can do all the above anytime, anywhere!

23

Customer Care
NJ Customer Care offers you with a 'Single Service Point' to all the advisors to help solve their customer
queries. Our centralized team of Customer Care Executives would solve your queries at the earliest. You
can also view the latest status of all your queries online. As an NJ Advisor you may submit your queries
to Customer Case Executives by Telephonic Email or Online directly through your Advisors (Partners)
Desk NJ has also introduced a TOLL FREE number for NJ Customer Care. Members of NJ Fundz
Network can now call on 1800 233 0155 from throughout India and submit their Queries.
Customer Care Objectives:

Solve customer queries within defined turn-around times.

Serve Advisors as single contact point for all service related issues.
Provide complete transparency and information to customers on queries.
Set a quality customer service benchmark in the industry Query Management Automated Online Query Management Module is used to efficiently handle the queries of our
Advisors/Associates.
Query entered is automatically forwarded to concerned person who can immediately solve the
same.
Status is updated online and turnaround time for different types of queries defined.
Alerts for unsolved queries are automatically shouted to the higher management in instill
discipline stringent actions taken against non-compliance.

Training and Support

Making people benefit from the growing economy is possible by attracting them to participate in Equity
for long term, to make their money work for themselves and create wealth. For this to happen, a huge
force of effective Financial Advisors is needed.

Formation of fraternity of effective financial advisors is possible by spreading awareness and

enabling people qualify requisite examination and develop skills to function as qualified Financial
Advisor.
This sporadic growth in terms of need of performers in financial advisory services has lead to the crunch
of available performers. Though lots of youngsters are getting into financial advisory services, but the
greatest challenge is of RIGHT SELLING, for which adequate Training is a prerequisite.
Advisory function demands updated knowledge, backed up by honed skills to fetch effective business.
Building long term relationship with clients depends upon possessing clear edge over others in the field.
Hence continuous people development has an important role in building this fraternity.
Though there is a mushroom growth of bodies offering training, the deficiency of training centers and
effective trainers is very much there.

24

In addition to the organizations craving for right training facilities, a whole lot of un-taped junior
population needs to be oriented towards basics of investment, significance of financial planning for
wealth creation, right at the inception of their careers to be better off.

25

Part-II

26

Research proposal
I am the student of i2im (charusat university) in conducting a survey on Awareness
of Different between financial products among financial advisors for Organization
Attachment Programme (OAP)

Subject
A study on prepration of Awareness of Different between financial products among
financial advisors a subject of NJ india investment pvt.ltd.

Objective
Primary Objective:

To study the awareness of revenue/commissions in mutual fund

To know whether Financial Advisors are interested in Mutual Fund or not.

To find how many are ready to convert as mutual fund advisor

Sample size
In this survey my sample size will be 50.
Sampling method
In this survey I used Convenience sample Method to draw the sample from
random sampling
This is the Questioner for data collection from NJ India Invest pvt.ltd
I am the student of i2im (charusat university) in conducting a survey on Awareness of
Difference financial products among financial advisors for academic purpose .Please
27

spare some time to fill the questioner. The data provided by you will be used for
academic purpose only.

Questionnaire (sample)
Name:

Mobile no.:

Gender:
Male :
Female:

Email id:

Age group:
18 to 30 yrs
30to 40 yrs
40 to 50 yrs
Above 50 yrs

Occupation :
Businessman
Sole proprietor
Student
Service employee
Partnership firm
Other ________

Education:
SSC
HSC
Graduate
Post graduate
Other

28

Address:

1) In which company you are working as an advisor?

Birla sun life
Max life insurance
LIC
SBI life insurance
Reliance life insurance
Other __________
2) Being a financial advisor, how many years of experience do you
have?
Less than 1 yrs
1 to 5 yrs
5 to 10 yrs
More than 10
3) Which financial product you are selling?
Mutual fund
Insurance
Post
Stock broking
others_________
4) What challenges you are facing in acquiring customers?
5) How do you overcome from challenges?

29

6) What marketing activity you are doing to acquire customers?

7) Which product you sell the most?
8) Have you done any course in financial advisory?
Yes
No
9) Would you like to increase your product range?
Mutual fund
Portfolio management service
Real estate
Others _________

30

Gender:

Male
Female

:
INTERPRETATION: Most of the population is male.

31

Age group

18 to 30 yrs
30 to 40 yrs
40 to 50 yrs
Above 50 yrs

INTERPRETATION: Most of the age group is 18 to 30 yrs.

32

Occupation:

Business
Sole proprietor
Student
Service employee
Partnership firm

INTERPRETATION: Most of the populations are the businessman.

33

Education:

SSC
HSC
Graduate
Post graduate

INTERPRETATION: Most of people are studying in HSC and then

start business like that LIC Agent.

34

1) In which company you are working as an advisor?

Company

Birla sun life

Max life insu..
LIC
SBI life insu
Reliance life insu

INTERPRETATION: Most of the people are working in the LIC.

35

2) Being a financial advisor, how many years of experience do you

have?

Experience

Less Than 1 yrs

1 to 5 yrs
5 to 10 yrs
More than 10

INTERPRETATION: Most of the people are experience of 1 to 5

yrs in any company.

36

3) Which financial product you are selling?

Product

Mutual fund
Insurance
Post
Stock broking

INTERPRETATION: Most of the people are selling insurance in

financial product.

37

8) Have you done any course in financial advisory?

Financial Advisory

YES
NO

INTERPRETATION: The majority of people are cannot pursuing in a

financial course.

38

9) Would you like to increase your product range?

Product

Mutual fund
PMS
Real estate

INTERPRETATION: The majority of people are increase a PMS

in our product range.

39

Conclusion: The Company has good reputation in the market;

however, it requires some efforts to increase the level of
awareness in the market. If company gives the continuous
advertisement about the benefits and advantages of mutual fund
in local TV channel and newspapers then it can be a popular tool
for the customer and if the customer are aware about the mutual
fund and they demand for it the general advisor have no choice
other than that.
Lastly, we can say that NJ INDIA INVEST has bright future for the
coming years and we hope this project report will help them to
knowing various perceptions regarding various customers and
fulfill their demand.
People have suffered a lot from past bitter experience, so NJ tries
to remove these from the mind of people and advisors.

Annexure

http://www.njgroup.in/aboutus.php
http://www.njgurukul.com/career/careers.fin?
cmdAction=loadCurrentOpenings
http://www.njindiainvest.com/aboutus.php?
pgname=abtus
http://www.njgroup.in/aboutus.php

40

41