A STUDY ON

“ULIPS AN INVESTMENT ALTERNATIVE”A CONCEPTUAL STUDY

IN HDFC SLIC

Submitted by

VASANTHA PRABHA.P
ACHARYA INSTITUTE OF TECHNOLOGY
BANGALORE
U.S.NO:-1AZ09MBA81

UNDER THE GUIDANCE OF

Internal: External:

Mr. MANU K.S, Mr.KARTHIK KUMAR

Lecturer, Sr Channel development manager
Department of MBA, HDFC Standard life
AIT, Bangalore -90. Bangalore.

SUBMITTED TO

VISVESVARAYA TECHNOLOGICAL UNIVERSITY, BELGAUM

In Partial Fulfillment of the Requirements for the Award of the Degree of

MASTER OF BUSINESS ADMINISTRATION

DEPARTMENT OF MANAGEMENT STUDIES

ACHARYA INSTITUTE OF TECHNOLOGY
SOLDEVANAHALLI, HESARAGHATTA ROAD
BANGALORE-560090
 STUDENTDECLARATION

I, MS VASANTHA PRABHA.P, USN No:1AZ09MBA81, hereby declare that

this work entitled “A STUDY ON ULIPS AS AN INVESTMENT

ALTERNATIVE AT HDFC SLIC IN BANGANLORE”, is prepared by me,

during the period from 2ND JAN 2010 to 10TH MARCH 2010.

I declare further that this report is my original work and has not been submitted

to any other University or Institute for the award of any Degree or Diploma.

Date : Name: VASANTHA PRABHA.P

Place: BANGALORE USN :1AZ09MBA81

 GUIDE CERTIFICATE

This is to certify that VASANTHA PRABHA.P [1AZ09MBA81] a bonafied student of 4 th

semester MBA has carried out a project work on ‘’A STUDY ON ULIPS, AN
INVEATMENT ALTERNATIVE AT HDFC SLIC LTD.” BANGALORE, from 2nd January
till March 10th under my guidance towards the partial fulfillment for the award of Master of
Business Administration, Vishveshwaraya Technology University, Belgaum.

Mr. MANU K.S

Lecturer
Department of MBA
Acharya Institute of Technology
Bangalore-90
 ACKNOWLEDGEMENT

I am grateful to all those who helped me directly and indirectly on doing the project on “A

Report Organization Study conducted HDFC STANDARD LIFE, BANGALORE” and

making it a success. A great deal of time and much effort have gone into developing and

researching this project.

I am very much obliged to our Principal of AIT DR H.D MAHESHAPPA ACHARYA

INSTITUTE OF TECHNOLOGY and also our Director DR C.VIJAYKUMAR for allowing

me to do the project study.

I express my gratitude to and my project guide Mr. MANU K.S for helping me for helping

me and guiding me throughout the course of work and for having helping me and for valuable

suggestions and for providing me with necessary books and reference materials. I also thank

him for having encouraging and inspired me to complete the project at the right time.

I also express my sincere thanks to the personnel officer MR.KARTHIK KUMAR of HDFC

STANDARD LIFE BANGALORE where I have done my Project work successfully.

“There is nothing I can master without the help of the one who given us strength”, so I thank

the Almighty because without these blessings this project would not have been a success.

VASANTHA PRABHA.P
CHAPTER PAGE
NO PARTICULARS NO

PART-A
1 INDUSTRY PROFILE 1-4
2 COMPANY PROFILE 5
2.1 a) Background of the Company 6
2.2 b) Nature of the Business carried 6
2.3 c) Vision, Mission and Quality Policy 7
2.4 d) Products/Service Profile 8-11
2.5 e) Area of Operation 12
2.6 f) Ownership Pattern 12
2.7 g) Competitors Information 13
2.8 h) Infrastructural Facilities 13-14
2.9 i) Achievements/Awards if any 14-16
2.10 j) Work Flow Model(End to End) 16
2.11 k) Future Growth and Prospects 17
3 Mckensy’s 7S FRAME WORK 17-23
4 SWOT ANALYSIS 23-25
5 ANALYSIS OF FINANCIAL STATEMENTS 26-33
6 LEARNING EXPERIENCE 34
PART-B
1 GENERAL INFORMATION 35-46
1.1 a) Statement of the Problem 46
1.2 b) Objectives of the Study 47
1.3 c) Scope of the Study 47
1.4 d) Methodology 47-48
1.5 e) Limitations of the Study 48
2 DATA ANALYSIS AND INTERPRETATION OF RESULTS 49-61
3 FINDINGS 62
3 SUGGESTIONS/OBSERVATION 63
3 CONCLUSIONS AND RECOMMENDATIONS 64
4 ANNEXURE 65-71
5 BIBLIOGRAPHY 72

LIST OF TABLES
TABLES PARTICULARS PAGE
NO
TABLE 1 FUND VALUE CALCULATION 49
TABLE2 BALANCEED MANAGEMENT 51
INVESTMENT
TABLE3 DEFENSUVE MANAGEMENT 53
INVESTMENT
TABLE 4 EQUITY MANGEMANT FUND 55

TABLE 5 GROWTH FUND 57

TABLE6 LIQIUDMANAGEMANT FUND 59
TABLE7 COMPARISION OF RETURNS OF 60
ALL FUNDS AT HDFC SL

LIST OF GRAPHS

GRAPH NO PARTICULARS PAGE NO

 GRAPH1 BALANCED MANAGEMANT 50
INVESTMENT
GRAPH2 DEFENSIVE MANGEMENT 52
FUND
GRAPH3 EQUITY MANAGED FUND 54

GRAPH4 GROWTH FUND 56

GRAPH5 LIQUID FUND 58
GRAPH6 ALLOCATION OF FUNDS BY 61
SECTOR-EQUITY AT HDFC
SLIC

EXECUTIVE SUMMARY

HDFC Standard Life is one of India’s leading private life insurance companies, which offers
a range of individual and group insurance solutions. It is a joint venture between Housing
Development Finance Corporation Limited (HDFC), India’s leading housing finance
institution and Standard life insurance leading providers of financial service in the united
kingdom. HDFC are the main shareholders with 72.56%, while Standard Life owns 26% .

“ULIP AS AN INVESTMENT ALTERNATIVE” A CONCEPTUAL STUDY IN

HDFC SLIC .This report aims to provide a better understanding of ULIP and
various other traditional investment alternatives such as insurance, fixed deposit and
mutual funds.

ULIPS (Unit link insurance policy) is a type of investment alternative provided by insurance
industry to provide a combined benefit of insurance and investment in stocks and debentures
The research methodology used is descriptive in nature and is used for finding facts. The
objective is to understand the concept of financial planning for investors, to compare
traditional investment instruments with investment in insurance and the study ulips as an
investment alternative.

Based on the study findings, suggestions and conclusions have been drawn.