A PROJECT REPORT

On Demat Account

Submitted to

MANAGEMENT & COMMERCE INSTITUTE OF

GLOBAL SYNERGY,
AJMER

In the partial fulfillment

Of the award of the degree of
BBA (Bachelor of Business Administration)

“MAHARSHI DAYANAND SARASWATI

UNIVERSITY, AJMER”

Project guide: - Submitted by: -

Mr. Pradeep Morani SUNIL DAGAR
Sr. Lecturer BBA III

1
 PREFACE

The successful completion of this project was a unique

experience for me because by visiting many place and
interacting various person, I achieved a better knowledge
about sales. The experience which I gained by doing this
project was essential at this turning point of my carrier this
project is being submitted which content detailed analysis of
the research under taken by me.

The research provides an opportunity to the student to

devote his/her skills knowledge and competencies required
during the technical session.

The research is on the topic “Reliance Demat Account”

2
 ACKNOWLEDGEMENT

I would like to express my appreciation and gratitude to various

people who have shared their valuable time and made possible this
project, through their direct-indirect cooperation.

To Mr. PRADEEP MORANI (FACULTY) for allowing me to

work on this project and provide necessary help.

I thank my respected teachers, dear friend & colleagues, who

help me in every possible ways, support me and encouraged me to
explore new dimensions.

SUNIL DAGAR
BBA III

3
CERTIFICATE

4
 DECLARATION

I Sunil Dagar declare that the project work entitle on the

“Reliance Demat Account”at Ajmer is the original work
done by me.

This project report presented as a partial fulfillment

requirement for the degree of Bachelor of Business
administration.

Sunil Dagar
BBA III

Contents
5
INTRODUCTION
6
 PROFILE OF RELIANCE MONEY

Reliance Money, A Reliance Capital Limited Company, is the financial

services division of Reliance Anil Dhirubhai Ambani (ADA) Group.
Reliance ADA group is among top 3 business houses in India with wide
range of presence across various sectors. Group’s major interest’s
ranges from communications (Reliance Communications) and financial
services (Reliance Capital Ltd), to generation, transmission and
distribution of power (Reliance Energy), infrastructure and
entertainment.

Reliance Money has over 22 lakhs customers and more then 10'000
branches in around 5000 cities in India. Company is among the largest
broking and distribution house of financial products and having share
of more then 3% of total stock market volume at BSE & NSE.

RelianceMoney.com is the web based investment portal (with Online

Stock Trading) from Reliance Money. This website enables its customer
to invest & manage most of the services provided by Reliance Money
including Equity (Stock) Trading, Commodity Trading, Derivatives,
Mutual Fund Investment, IPO Investment, Life Insurances, General
insurances, Money Transfer, Forex exchange, Gold Coins and Credit
Cards Services. Company recently entered in to Wealth Management
with tools like investment in equity-linked portfolio management
services, structured products, insurance and mutual funds.

7
 The Reliance Money stock trading websites uses special security features
'Security Token', which makes you’re online trading experience more secure
without complexity.

Stock Trading through RelianceMoney.com is available for BSE and NSE

stock exchanges. Offline trading is also available through Reliance Money
partners in more then 5000 city across India and through phone by dialing
022-39886000.

8
RELIANCE ADA GROUP

9
10
Chairman's Profile:

11
Regarded as one of the foremost corporate leaders of contemporary India,
Shri Anil Dhirubhai Ambani is the chairman of all listed companies of the
Reliance ADA Group, namely, Reliance Communications, Reliance Capital,
Reliance Energy, Reliance Natural Resources and Reliance Power.He is also
Chairman of the Board of Governors of Dhirubhai Ambani Institute of
Information and Communication Technology, Gandhi Nagar, Gujarat.Till
recently, he also held the post of Vice Chairman and Managing Director in
Reliance Industries Limited (RIL), India's largest private sector enterprise.
Anil Dhirubhai Ambani joined Reliance in 1983 as Co-Chief Executive
Officer, and was centrally involved in every aspect of the company's
management

If we look for examples to prove this quote then we can find many but there is
none like that of Reliance Money. The company which is today known as the
largest financial service provider of India.

12
 Reliance Capital has interests in asset management and mutual
funds, life and general insurance, private equity and proprietary investments,
stock broking, depository services, distribution of financial products,
consumer finance and other activities in financial services. Reliance Life
Insurance is India's fastest growing life insurance company and among the
top 4 private sector insurers. Reliance General Insurance is India's fastest
growing general insurance company and the top 3 private sector insurers.

Reliance Money is the largest brokerage and distributor of financial products

in India with more than 2.5 million customers and the largest distribution
network. Reliance Consumer finance has a loan book of over Rs. 8,000 crores
at the end of June 2008. Reliance Capital has a net worth of Rs.6,862 crores
(US$ 1.6 billion) and total assets of Rs. 19,940 crores (US$ 4.6 billion) as of
June 30, 2008 and over 26,000 employees.Money has increased its market
share among private financial companies to nearly Convenient & effective –
Anytime & anywhere financial transaction capability. Launched in April
2007. It provides the Flat fees system. It has 2.2 million customers in 1 year of
official launch. It has over 5,000 outlets across 700 towns/cities. Average daily
turnover – in excess of Rs 2,000 crores. Considering the entire life market,
including the Rs. 12,890 crores booked by life insurance Corporation,
Reliance life insurance market share works out to around 6.25% .The life
insurance market continuous to be dominated By LIC which has about 67%
share this only a marginal dip from its 73% share in end-July. These
comparisons are only for first year or new business premium.

13
RELIANC MONEY PRODUCT OFFERING

1. Trading Portal (with almost negligible brokerage )

• Equity Broking
• Commodity Broking
• Derivatives ( Futures & Options )
• Offshore Investments (Contract For Differences)
• D-Mat Account.
2. Financial Products
• Mutual Funds
• Life Insurance
o ULIP plan
o Term Plan
o Money Back Plan
• General Insurance
o Vehicle/Motor Insurance
o Health Insurance
o House insurance
• IPO’s
• NFOs
3. Value-Added Services
• Retirement Planning
• Financial Planning
• Tax Saving
• Children Future Planning
4. Credit Cards
14
5. Gold coins retailing

.“Success is a journey, not a

destination’’

RELIANCE DEMAT ACCOUNTS

Overview of Demat Account

In India, a Demat account the abbreviation for dematerialised account, is a

type of banking account which dematerializes paper-based physical stock

shares. The dematerialised account is used to avoid holding physical shares:

the shares are bought and sold through a stock broker. This account is

popular in India. The Securities and Exchange Board of India (SEBI)

mandates a demat account for share trading above 500 shares. As of April

2006, it became compulsory that any person holding a demat account should

possess a Permanent Account Number (PAN)

15
Procedure

1. Fill demats request form (DRF) (obtained from a depository participant or

DP with whom your depository account is opened).

2. Deface the share certificate(s) you want to dematerialize by writing across

Surrendered for dematerialisation.

3. Submit the DRF & share certificate(s) to DP. DP would forward them to

the issuer / their Agent.

4. after dematerialisation, your depository account with your DP, would be

credited with the dematerialised securities.

16
 Reliance Money Demat Account

Services

Reliance Money – Transacting and investing simplified.

Get ready to change the way you transact and invest in financial products and

services.Whether you wish to transact in equity, equity & commodity

derivatives, IPO’s offshore investments or prefer to invest in mutual funds,

life & general insurance products or avail money transfer and money

changing services, you can do it all through reliance money.Simply open a

reliance money account and enjoy the convenience of handling all your key

financial transactions through this one window.

Benefits of having reliance money account

•It’s cost effective

You pay comparatively lower transaction fees. As an introductory offer, we

invite you to pay a flat fee of just Rs. 500/- and transact through Reliance

Money. This fee is valid for two months or a specified transaction value*

17
The table below for details.

Access Fee Time Turnover Non-delivery Delivery

(Rs.) Validity Validity turnover turnover

Rs. 500/- 2 months Rs. l Cr. Rs. 90 Lac Rs. 10 Lac
Rs.1350/- 6 months Rs. 3 Cr. Rs. 2.7 Cr. Rs. 30 Lac
Rs.2500/- 12 months Rs. 6 Cr. Rs. 5.4 Cr. Rs. 60 Lac
• Its offers single –

Through reliance money’s associates, you can transact in equity, equity and

commodities derivatives, offshore investments mutual funds, and IPO’s life

insurance, general Insurance, money transfer, money changing and credit

cards, amongst others.

•Its convenient

You can access reliance money’s services through

•The internet

•Transaction kiosks

•The phone (calls & transact)

•Our all – India network of associates on an assisted trade (through the call

centre or our network of associates).

•Its Safe

18
Your account is safeguarded with a unique security number that changes

every 32 seconds. This number works as a dynamics password to keep your

account extra safe.

• You get your own demat account with reliance capital at an annual fee of

just Rs. 50/-.

• Its provides you a demat account

Provides you a 3-in-1 facility

• You can access your banking, trading and demat

account through a single window and transfer funds

across accounts faultlessly.

• It provide you value- added services

At www.reliancemoney.com, you get

• Reliable research, including views of external experts with an enviable track

record

• Live news updates from Reuters and Dow Jones

• CEO’s / expert views on the economy and financial markets

• Tools that help you plan your investments, tax, retirement, etc. in the

personal finance section

• Risk Analyser for analysis of your risk profile

• Asset locators to build an appropriate investment portfolio

19
• Innovative use of technology for facilitating

Convenient trading/investments –

Kiosks (similar to ATM’s)

Reliance Money Provide the kiosks (similar to ATM’s) Facilities, to their

customer through which the customers can trade on available kiosks at the

particular Branch of Reliance Money. The companies are going to open these

kiosks in the market as the ATM’s of the Banks.

Reliance Money provides 3 different trading platforms for

equity trading:
20
Insta Trade:

Fast Trade:

Easy trade:

The benefits

• A safe and convenient way to hold securities;

• Immediate transfer of securities;

• No stamp duty on transfer of securities;

• Elimination of risks associated with physical certificates such as bad

delivery, fake securities, delays, thefts etc.

• Reduction in paperwork involved in transfer of securities;

• Reduction in transaction cost;

• No odd lot problem, even one share can be sold;

• Nomination facility;

• Change in address recorded with DP gets registered with all companies in

which investor holds securities electronically eliminating the need to

correspond with each of them separately;

• Transmission of securities is done by DP eliminating correspondence with

companies;

21
• Automatic credit into demat account of shares, arising out of

bonus/split/consolidation/merger etc.

• Holding investments in equity and debt instruments in a single account.

Required Documents

The extent of documentation required to open a demat account may vary

according to your relationship with the institution. If you plan to open a

demat account with a bank, a savings, current and, or other account for which

the holder have been issued a check book, such holder has an edge over the

non-account holder.

In fact, banks usually offer additional incentives to customers who open a

demat account with them. Along with the application form, your photographs

(with co-applicants) and proof of identity/residence/date of behave to be

submitted. The DPs also ask for a DP-client agreement to be executed on non-

judicial stamp paper.

Here is a broad list:

22
• A canceled check, preferably MICR

• Proof of Identification

• Proof of Address

• Proof of Pan Card (mandatory)

• Recent photographs, one and, or more For proof of identification and, or

address self-attested facsimile copies of PAN card, Voter’s ID, Passport,

Ration card, Driver’s license, Photo credit card, Employee ID card, Bank

attestation, latest IT returns and, or latest Electricity/Landline phone bill are

sufficient. While they only ask for photocopies of the documents, they will

need the originals for verification.

Benefit

23
Demat account has become a necessity for all categories of investors for the

following reasons/ benefits:

• SEBI has made it compulsory for trades in almost all

scrip’s to be settled in Demat mode. Although, trades up
to 500 shares can be settled in physical form, physical
settlement is virtually not taking place for the
apprehension of bad delivery on

• Account of mismatch of signatures, forgery of signatures,

fake certificates, etc.

• It is a safe and convenient way to hold securities

compared to holding securities in physical form...

• No stamp duty is levied on transfer of securities held in

Demat form.

• Immediate transfer of securities enhances liquidity.

• It eliminates delays, thefts, interceptions and subsequent

misuse of certificates.

24
 • Change of name, address, registration of power of

attorney, deletion of deceased's name, etc. - can be

effected across companies by one single instruction to the
DP.

• Each share is a market lot for the purpose of transactions

- so no odd lot problem.

Any number of securities can be transferred/delivered with

one delivery order. Therefore, paperwork and signing of
multiple transfer forms is done away with. It facilitates

taking advances against securities on low margin/low interest.

25
 NEED OF THE STUDY

The need of the study arises because of the reason that a trainee
must understand the company, its achievements and tasks,
products and services and also to collect information about its
competitors, its products and services offered. So that, after
understanding and collecting information about the organization
and its competitors, a trainee will be able to work well for the
organization.

From the study I have learned very much,

about the company as well as the strategy of the customers, which
helps me a lot at my working days.

26
Comparative Chart of Brokerage Charges

Online Broker Brokerage for Brokerage for MMC*

Delivery Intraday
trading

Sharekhan
brokerage
0.03% - 0.50% 0.03% - 0.10% NIL
charges

Religare
brokerage
0.20% - 0.30% 0.02% - 0.03% -
charges

Reliance
Money
brokerage
0.01% 0.01% card system
charges

27
 COMPETITORS
Sharekhan:

Sharekhan is online stock trading company of SSKI Group, provider of India-

based investment banking and corporate finance service. Share Khan is one of
the largest stock broking houses in the country. S.S. Kantilla Ishwarlal
Securities Limited (SSKI) has been among India’s leading broking houses for
more than a century.

Share khan’s equity related services include trade execution on BSE, NSE,
Derivatives, commodities, depository services, online trading and investment
advice. Trading is available in BSE and NSE. Along with Sharekhan.com
website, Share Khan has around 510 offices (share shops) in 170 cities around
the country.

Share khan has one of the best states of art web portal providing fundamental
and statistical information across equity, mutual funds and IPO’s. You can
surf across 5,500 companies for in-depth information, details about more than
1,500 mutual fund schemes and IPO data. You can also access other market
related details such as board meetings, result announcements, FII
transactions, buying/selling by mutual funds and much more.

28
Trade In: BSE and NSE
Type of Account:

1. Classic Account Trading Terminal

Share Khan Classic account

Allow investor to buy and sell stocks online along with the following
features like multiple watch lists, Integrated banking, demat and digital
contracts, Real-time portfolio tracking with price alerts and Instant credit &
transfer.
1. Online trading account for investing in Equities and Derivatives
2. Free trading through Phone (Dial-n-Trade)
a. Two dedicated numbers for placing your orders with your cell
phone or landline.
b. Automatic funds transfer with phone banking (for Citibank and
HDFC bank customers)
c. Simple and Secure Interactive Voice Response based system for
authentication
d. Get the trusted, professional advice of our telebrokers
E. after hours order placement facility between 8.00 am and 9.30 am
3. Integration of: Online trading + Bank + Demat account
4. Instant cash transfer facility against purchase & sale of shares
5. IPO investments
6. Instant order and trade confirmations by e-mail
7. Single screen interface for cash and derivatives

29
 2. Speed Trade Treading Terminal
Share Khan Speed Trade account
This accounts for active traders who trade frequently during the day's
trading session. Following are few popular features of Speed Trade account.
1. Single screen interface for cash and derivatives
2. Real-time streaming quotes with Instant order Execution &
Confirmation
3. Hot keys similar to a traditional broker terminal
4. Alerts and reminders
5. Back-up facility to place trades on Direct Phone lines

Brokerage:

Some stock trading companies charge direct percentage while others charge a
fixed amount per Rs 100. Sharekhan charges 0.5% for inter day shares and
0.1% for intra day or you could say Sharekhan charges 50 paisa per Rs 100.

How to open account with Sharekhan?

For online trading with Sharekhan, investor has to open an account.

Following are the ways to open an account with Sharekhan:

* Call them at phone number provided below and ask that you want to
open an account with them.
1. Call on Toll free number: 1-800-22-7500 to speak to a Customer
Service executive
30
 2. If you are in Mumbai call on 022-66621111
* Visit one of their branches. Sharekhan has a huge network all over India.
Click on http://sharekhan.com/Locateus.aspx this link to find out your nearest
branch. Just select the place near you and you'll find a manager to assist you
there.
* You can send them an Email on info@sharekhan.com to know about their
products and services.
* If you wish to chat with customer service representative, you can join the
chat session.
Advantages of Sharekhan:

1. Online trading is very user friendly and one doesn't need any software to
access.
2. They provides good quality of services like daily SMS alerts, mail alerts,
stock recommendations etc.
3. Sharekhan has ability to transfer funds from most banks. Unlike ICICI
Direct, HDFC Sec, etc., so investor not really needs to open an account with a
particular bank as it can establish link with most modern banks.

Disadvantages of Sharekhan:
1. They charge minimum brokerage of 10 paisa per stock would not let you
trade stocks below 20 Rs. (If you trade, you will loose majority of your money
in brokerage).
2. Lots of hidden rules and charges.
3. They do not provide facility to book limit order trades during after-hours.
4. Classic account holders cannot trade commodities.
5. Cannot purchase mutual funds online.
31
 RELIGARE

Religare Enterprises Limited is Ranbaxy Laboratories

Limited promoted financial product and service Provider
Company.

Religare provide its service in three different segments

including Retail, Wealth management and the Institutional
spectrum. Company offers wide range of services including
equities, commodities, insurance broking, wealth advisory,
portfolio management services, personal finance services,
Investment banking and institutional broking services. Religare
retail network has more than 900 locations in 300 cities and towns
in India.

Religare provides the online gateway to their investors so

investor can trade online in Equities, Commodities, apply for
IPO’s, invest in Mutual Funds, and buy Insurance.

Religare Securities Limited (RSL) is a subsidiary company of

Religare Enterprises Ltd and involve in equity related services
include online trading at BSE and NSE, Derivatives, commodities,
IPO, Mutual fund, Investment banking and institutional broking
services.

32
 People who wonder where Religare word came from, it's a
Latin word meaning 'to bind together'.

Type of Account

Religare offers its wide range of financial services though a

sophisticated and customized trading platform - R-ACE (Religare
Advanced Client Engine). Below are 3 flavors of R-ACE accounts
available to the investors.

1. R-ACE (Basic)

R-ACE (Religare Advanced Client Engine) the basic

online trading account provided by Religare. Investor can trade
and access their account information online and over the phone as
well. This account comes with a browser based online trading
platform and no additional software installation needed.

2. R-ACE Lite (Advanced)

R-ACE Lite is the advanced trading platform for the

investor of Religare. This trading account provides the entire
feature of R-ACE (Basic) account. In addition it also provides real-
time streaming stock quotes and alerts. This trading platform is
also browser based and no software installation is needed.

33
 3. R-ACE Pro (Professional)

As the name indicates this account is for high volume traders.

Along with the features from above 2 accounts, this account also
comes with Trading Terminal software which needs to install on
your computer. This terminal directly connects the investor to
stock market and having all industry standard Treading terminal
features including technical charting (intra-day and EOD),
multiple watch list, advanced hot-key functions for faster trading,
derivative chains, futures & options calculator etc.

As in basic and advance account, trading is available

online through internet and offline though phone.

Brokerage and Account opening fees:

Religare offers three kinds of accounts as above. Below are

detail about fees and activation charges for each account:

1. R-ACE

Account activation charges Rs.299/-.

Minimum margin of Rs.5000/- required.

2. R-ACE Lite

Account activation charges Rs.499/-.

Minimum margin of Rs.5000/- required.

34
 3. R-ACE Pro

Account activation charges Rs.999/-.

Minimum margin of Rs.10, 000/- required.

4. Brokerage at Religare

On the basis of volume and frequency of trading, Religare

provide different options for brokerages. On the broader way they
divided into three categories:

* Classic Account

Intraday brokerage varies from 0.03% to 0.05%.

Delivery brokerage varies from 0.30% to 0.50%.

Derivatives brokerage varies from 0.3% to 0.5%.

35
 * Classic Plus

Fees: Rs 600

Validity Period 6 Months

Intraday brokerage varies from 0.03% to 0.05%.

Delivery brokerage varies from 0.30% to 0.50%.

* Freedom Account

In this payment plan, investor has to pay a fix amount

in advance for Monthly (Rs 500), Quarterly (Rs.1400), Half-yearly
(Rs 2500) or Annual Subscription (Rs 4000). This one time
payment enable account holder to trade for Rs. 3, 00,000 intraday
& derivative trading and Rs. 40,000 of delivery based trading for
zero brokerage.

* Trump Account

Trump account has four payment options, Trump

plus, Trump Super, Trump Star and Trump Super Star plan.

• Trump plus has annual subscription fees of Rs

2,500, Brokerage on Delivery Trades is 0.25%
and Brokerage on Intraday Trades & F&O
Trades is 0.025%.

36
 • Trump Super has annual subscription fees of
Rs. 15,000, Brokerage on Delivery Trades is
0.15% and Brokerage on Intraday Trades &
F&O Trades is 0.015%.
• Trump Star has annual subscription fees of Rs.
50,000, Brokerage on Delivery Trades is
0.10%, Brokerage on Intraday Trades is 0.01%
and Brokerage on Future Trades is 0.008%.
• Trump Super Star has annual subscription fees
of Rs. 1, 00,000, Brokerage on Delivery Trades
is 0.10% and Brokerage on Intraday Trades &
F&O Trades is 0.005%.

Check current brokerage rate offered by Religare

http://www.religareonline.com/to_fees.asp.

How to open account with Religare?

For online trading with Religare, investor has to open an

account. Following are the ways to open an account with Religare:

There are 3 simple ways to open an account with Religare.

* Call at one of the below number and ask to open an

account with them.

Phone Numbers: 1800-11-44-88, 011-44312345

37
 * Visit one of their branches. Visit Religare Branch
Locater at http://www.religareonline.com/branches.asp

* Fill Online Account Application Form.

http://www.religareonline.com/applyonline.asp

* SMS"REWARD"" and send it to 58888. Customer

representative from Religare will call you with in 24 hours.

Advantages of Religare

1. Religare gives interest on unutilized cash when investor

is waiting to make next trade or online investment.

2. They provide intraday reports and historical charting.

3. Varity of fee structure to fulfill need of different type of

investors.

38
 OBJECTIVE

• To find the market potential and market penetration of

Reliance Dematerialized Account offerings in Ajmer.

• To collect the real time information about preference level of

customers using Demat account and their inclination towards
various other brokerage firms e.g. Sharekhan, Relegare.

• To expand the market penetration of Reliance money.

• To provide pricing strategy of competitors to fight cut throat

competition.

• To increase the product awareness of Reliance money as

single window shop for investment solutions.

39
 RESEARCH METHODOLOGY

Research Methodology refers to search of knowledge .one can also define

research methodology as a scientific and systematic search for required
information on a specific topic.

The word research methodology comes from the word “advance learner ‘s
dictionary meaning of research as a careful investigation or inquiry
especially through research for new facts in my branch of knowledge for
example some author have define research methodology as systematized
effort to gain new knowledge.

SAMPLING UNIT:

The respondents who were asked to fill out questionnaires are the sampling
units. These comprise of employees of Govt. Employees and Self Employed
etc.

SAMPLE SIZE:

Considering the constraints it was decided to conduct the study based on

sample size of 50 people which includes the sample universe & customers

SAMPLING AREA:

The area of the research was Ajmer, Rajasthan, India.

40
 METHODS OF DATA COLLECTION

In the project work Primary data secondary data (both)

sources of data has been used.

1. Primary sources of data: In the primary sources of data used

Observation Method & Questionnaire method.

2. Secondary sources of data: In the secondary sources of data is

used. (Internet , magazine ,books, journals)

41
DATA ANALYSIS AND INTERPRETATION

Q .1 Which Brokerage Firm is easily available everywhere?

Company Name Percentage of respondent

Reliance Money 10
Religare 15
Share Khan 25

30 Series1, Share
Khan, 25
25

20 Series1,
Series1, Religare, 15
15 Reliance Series1
Money, 10
10

0
Reliance Money Religare Share Khan
Series1 10 15 25

Interpretation: -20% have respondent of Reliance Money,

30% have respondent of Religare, 50% have respondent of
Share Khan.

42
Q.2Which Companies Demat account offered you a large no.
of services?

Company Name Percentage of respondent

Reliance money 15
Religare 10
Share Khan 25

30 Series1, Share
Khan, 25
25
Series1,
20 Reliance
money, 15
15 Series1, Series1
Religare, 10
10

0
Reliance money Religare Share Khan
Series1 15 10 25

INTERPRETATION: 30% have respondent of Reliance

Money, 20% have respondent of Religare, 50% have
respondent of Share Khan.

43
Q.3 Which Company provides you a better email facility?

Company Name Percentage of respondent

Reliance money 23
Religare 11
Share Khan 16

Series1,
25
Reliance
money, 23
20 Series1, Share
Khan, 16
15 Series1,
Religare, 11 Series1
10

0
Reliance money Religare Share Khan
Series1 23 11 16

INTERPRETATION: 46% have respondent of Reliance

Money, 22% have respondent of Religare, 32% have
respondent of Share Khan.

44
Q.4 which company provides a less BROKARAGE rate?

Company Name Percentage of respondent

Reliance money 14
Religare 15
Share Khan 21

25 Series1, Share
Khan, 21
20 Series1,
Series1,
Reliance
Religare, 15
15 money, 14

Series1
10

0
Reliance money Religare Share Khan
Series1 14 15 21

INTERPRTETATION: 42% have respondent of Reliance

Money, 30% have respondent of HDFC, 28% have
respondent of ICICI.

45
Q. 5 which company provide you a large number of product
and services?

Company Name Percentage of respondent

Reliance money 21
Religare 15
Share Khan 14

Series1,
25
Reliance
money, 21
20 Series1,
Series1,
Share
Religare, 15
Khan, 14
15
Series1
10

0
Reliance
Religare Share Khan
money
Series1 21 15 14

INTERPRETATION: - 42% have respondent of Reliance

Money, 30% have respondent of HDFC, 28% have
respondent of ICICI.

46
Represent a pie chart

ICICI
27%

Reliance
45%

HDFC
28%

OBSERVATION
47
To study the sales and distribution management and
improve the Customer Acquisition Process by
analyzing the consumer behavior, response and
mindset towards the product and services the
company offers.
• 50% have respondent of Reliance Money, 30%
have respondent of HDFC, 20% have respondent
of ICICI.
• 50% have respondent of Reliance Money, 20%
have respondent of HDFC, 30% have respondent
of ICICI.
• 46% have respondent of Reliance Money, 22%
have respondent of HDFC, 32% have respondent
of ICICI.

• 42% have respondent of Reliance Money, 30%

have respondent of HDFC, 28% have respondent
of ICICI.
• 42% have respondent of Reliance Money, 30%
have respondent of HDFC, 28% have respondent
of ICICI.

SUGGESTION
48
The Brand image of Reliance Money is good in market
but according to customer satisfaction the company
have to provide the better service.
And also change the Market strategy

Limitations
• the time constraint was one of the major problems.
• The study is limited to the different schemes available
under the Demat account selected.
• The lack of information sources for the analysis part.

49
 CONCLUSION

Reliance Demat Account is better than other Demat

account. Reliance Money has good return of investment.
A good brand is always welcomed over here people are
aware of quality so they go for ready to spend bucks of
money.
At last all con be concluded by that Reliance Money is
still growing industry in India
Reliance Demat account have less brokerage rate.
It provides a security with the use of special type of key.

50
 QUESTIONNAIRE

Q .1 Which bank is easily available everywhere?

 Reliance Money
 HDFC
 ICICI

Q.2Which banking Demat account offered you a large no. of

services?
 Reliance Money
 HDFC
 ICICI

Q.3 Which bank provides you a better email facility?

 Reliance Money
 HDFC
 ICICI

51
Q.4 which company provides a less BROKARAGE rate?
 Reliance Money
 HDFC
 ICICI

Q. 5 which company provide you a large number of product

and services?
 Reliance Money
 HDFC
 ICICI

52
BIBLIOGRAPHY

Websites:
www.reliancemoney.com
www.hdfc.com
www.icicidirect.com

Reference books:
1. FINANCIAL INSTITUTIONS AND MARKETS -
L.M.BHOLE
2.INVESTMENT MANAGEMENT - V.K.BHALL
3. Research methodology: KOTHARI

53
54