Académique Documents
Professionnel Documents
Culture Documents
ON
A comparative Analysis of Consumer
Behaviour in Relation to Products of SCH
with respect to other brands
present in the market.
1
PREFACE
Quite frequently these days’ people talk of practical knowledge, both in academic
institutions and outside. At each and every aspect in life we require some sort of
It means only classroom lecture may not be enough to get the proper knowledge
Keeping all this in view, the present report has been written for the promotion the
brand position of Sahara care house in the highly competitive environment and to
study the comparison with other products available in the market.
I am grateful to all those who have helped me in the successful completion of this
report.
2
DECLARATION
3
CERTIFICATE OF THE COMPANY SUPERVISOR
Anubhav chaudhry
H.R person
SAHARA CARE HOUSE
Moti nagar delhi
Ph. 09911813103
4
Signature of Company Supervisor
5
CERTIFICATE FROM PLACEMENT CELL
Mr.A.K.Tyagi
Training placement officer
.
6
ACKNOWLEDGEMENT
Some works are so typical that are impossible for a person to complete it
alone. Summer Internship Project is one of them. I would not be able to
complete my work without the help of my respected Company Guide, Faculty
Guide, my college and workplace colleagues and my family members. So it is
my obligation to thank all of them.
I have had the honour of having been associated & working under the able &
stimulating guidance of Mr.Anubhav Chaudhary, Head Business Development
,Sahara Care House.Mrs Jayshree sapra ,Faculty Of Lloyd business school of
Management The Project work was undertaken under their keen supervision
and the Project has been prepared by me. I express sincere feeling of gratitude
and respect for their inspiring help throughout the work. Without their
esteemed and valuable help and guidance it would not have been possible for
me to accomplish my job. I am gratefully indebted to them.
Ms. also deserves my thanks for typing this thesis.And finally I would
like to offer my heartiest prayer to the Goddes Saraswati, who has given me
mental and spiritual strength to complete this project work.
Name of Trainee
7
TABLE OF CONTENT
8
EXECUTIVE SUMMARY
Being a management trainee at sahara care house my objective of study was:
The study of knowing the strategic approach of sahara care house is done by
knowing the key approach adopted by sahara care house and the way marketing done
by them to attract the customer base.
To give a strong base to my study I researched about the all the aspects
through which sahara is doing its marketing about the plans and policies of sahara
care house.
The study regarding the comparison of plans of others like Tata AIG, ICICI
Lombard etc is done by comparing each plan provided by sahara care house to the
plan which is almost similar to the plan provided by the other competitors.
Through this research I have studied the different aspects of policy making
and attracting the customers:
• Firstly by making the plan according to the need of customers as in common.
• Secondly by adjusting the price of premium according to the age of user.
9
INTRODUCTION OF THE INDUSTRY
COMPANY PROFILE
Type Private
Industry Conglomerate
1978
Founded
in Gorakhpur, India
Important Points
10
• The employees at Sahara India Pariwar greet each other by saying “Sahara
Pranam”.
• Every year, republic day and independence day is celebrated as Bharat Parv
(national festival) and Sahara India Pariwar celebrates it as the biggest event of
the pariwar( family).
• Sahara India Pariwar has been the official sponsors of the Indian cricket team and
Indian hockey team.
• Sahara India Pariwar in often referred as the world’s largest family.
• 910,000 workers/ employees and no trade union.
• Its five star hostel ‘Sahara Star’ near Mumbai airport has the world’s largest
pillar less clear-to-sky dome of its kind.
• Holds the Guinness world record for planning 125,256 trees by 1400 volunteers
in 6 hours and 35 minutes 0n 5th June 1988 at amby valley city.
• Hold the record in India for 25%-50% hike in the gross salary of all of its
employees at one go.
• Conducts mass marriage ceremony of 101 underprivileged girls every year.
Profit Sharing
11
SAHARA INDIA PARIWAR
OVERVIEW
Sahara India Pariwar is a major entity on the corporate scene having diversified
business interests that include Finance, Infrastructure & Housing, Media &
Entertainment, Consumer Products, Manufacturing, and Services & Trading.
Quality is our essence and we, at Sahara India Pariwar , have always stressed on the
Qualitative aspect. Consequently in this run for quality, quantity has always pursued
us. We look forward to reaching the zenith and reaffirm our commitment to the
process of sound nation-building.
• Emotion
• Discipline
• Duty
• No discrimination
• Quality
• Give respect
• Self-respect
• Truth
• Collective Materialism
• Religion
• Absolute Honesty
What
A commitment of Sahara India Pariwar to the genuine needs and
rights of anybody & everybody - Be it to a depositor, newspaper
reader, consumer.... all business associates and Sahara India
Family Members.
12
Need
India needs effective consumer protection and protection of
workers' genuine rights. There are various agencies, promising
protection & action. But no external body can provide justice unless
the company becomes 'QUALITY CONSCIOUS' WITH STRICTLY NO
DISCRIMINATION POLICY AND JUSTICE CONSCIOUSNESS as its very
dominating nature. Motto
We not only believe but practice NO DISCRIMINATION, JUSTICE &
HIGH QUALITY - means enthusiastic, productive performance of
duty "KARTAVYA' towards the consumer', workers' genuine
satisfaction.
Aim
To provide justice - be it a matter of the tiniest imperfection or
injustice in our COMMITMENT - products or services. direct or
indirect, short term or long term.
Where
Kindly rush your grievances/suggestions or any queries related to
Sahara India Pariwar to the nearest Sahara establishment and/or
to:-
Sahara India Pariwar is a major entity on the corporate scene having diversified
business interests that include Finance, Infrastructure & Housing, Media &
Entertainment, Consumer Products, Manufacturing, and Services & Trading.
Quality
Quality is our essence and we, at Sahara India Pariwar, have always stressed on the
Qualitative aspect. Consequently in this run for quality, quantity has always pursued
us. We look forward to reaching the zenith and reaffirm our commitment to the
process of sound nation-building.
13
LEADERSHIP
My Biggest Achievement in Life “I’m very proud to
be the Guardian of The world’s Largest Family.”
In business profit earnings and overall growth of business get the highest priority and
are certainly creditable, but ultimate credibility of business enterprise, particularly of
larger ones is in the utilization of profit, be it for best possible enlistment of its
workforce and for espousing Social, National Development causes or for rendering
services to mankind as a whole. Fulfilling the Qualitative aspect of utilization of
profit, the world's largest family ‘Sahara India Pariwar' is proud to have reached
today new horizons of growth and development.
I, therefore earnestly appeal to one and all in Politics, Media, Business etc.
that every action, reaction, selection, appreciation or criticism should be oriented
strictly towards the Qualitative aspect. I appeal to anybody and everybody to accord
top priority to Qualitative aspect in anything and everything for peaceful, prosperous
and progressive co-existence of mankind anywhere and everywhere.
Today, I feel proud of the fact that I am the Guardian of the World's largest
family. Perhaps, I am the world's only person whose family is so vast, so disciplined,
so dedicated and so committed. Such a vast family as Sahara India Pariwar has a
grand and infinite future and I am sure that we will sustain our duty, consciousness,
discipline and dutifulness with a sense of dedication, as we have always done in the
14
past, so that together we could build an India full of energy and radiance.
SAHARAINDIA
PARIWAR
Busines
s
Infrastructur Media & Consumer Manufactur- Service &
Finance
e & Housing Entertainment Product ing Trading
Entertainm Consumer
Para Jute Sahara
Hill City ent Product &
banking Retail Chain
Project Next
Mega Channel
Life Movie Handicraft Care
Quality
Insurance Channel Promotion House
Townships
Mutual Travel &
Hotels World
Fund Tourism
Hosing Cinema
Hospitals
Finance Residential
Production
& Cinema
Commercial Halls
Project
News
15
Sahara India Life Insurance Company Ltd.
Sahara India Life Insurance Company Ltd. (SILICL) is today the first wholly Indian-
owned Life Insurance Company in the private sector. We launched our operations on
30 October 2004 after being granted license to operate as a life insurer in India by
Insurance Regulatory and Development Authority on 6 February 2004.
The range of products:
Sahara Nidhi - Endowment (with profit)
Sahara Sampann - Money back (with profit)
Sahara Amar Jeevan - Deferred Annuity
Sahara Kavach – A pure term policy
Sahara Sanchay-R - Unit Linked plan
Sahara Swabhimaan - Unit Linked Pension Plan
Sahara Ankur – A unit linked policy for children
Sahara Samriddhi – Money back with profits
Sahara Sahyog - Micro Endowment Insurance Plan
Sahara Samooh Samyojana - Unit Linked Group Savings cum Insurance plan
Sahara Jamakarta Samooh Bima - Group Term Insurance Plan-Non-Par
16
Media & Entertainment:-
17
Introduction of the SAHARA CARE HOUSE
Sahara care house is a part of Sahara India Pariwar, one of India’s largest business
conglomerates with a workforce of over 9, 10000 workers. Sahara India Pariwar has
the largest workforce with it. Its diversified business interests include financial
services, infrastructure & housing, media and entertainment, tourism and hospitality,
retail chain, manufacturing, services and trading. Sahara pariwar’s success story
started in 1978. (Saharasri) Subrata Roy Sahara is the managing director of Sahara
pariwar. We are here to serve the society not to mint the money. Sahara India
Pariwar is strongly committed to the cause of sports and today we are one of the
largest supporters of sports in India. We are actively associated with different sports
and sponsor many national and international sporting events. Sahara India Pariwar is
committed to make determined efforts to help India emerge as a developed nation.
The amount spent for various Social, Developmental, Cultural & Sports Programmes
by Sahara India Pariwar by June, 2006 is Rs. 655 crore (USD 152 million) approx.
It is all about Sahara India Pariwar. We understand the value of relationships so we
devised to personalize our services for you and we launched Sahara care house in the
year of 2006 for NRIs who are settled overseas and but have family and friends in
India. We have 3500 relationship ambassadors who are ready 24*7 to assist you. It’s
a great opportunity for you to make your loved ones feel that you strongly care them.
To expand the business Sahara care house was re launched in 2008 for all
people of India. We have come with many additional services.
Under the flagship real estate project Sahara City Homes chain of townships is
proposed to be across 217 cities in India. Recently Sahara has launched its Sahara
Grace brand of residential complex at Kochi. After Sahara Grace at Gurgaon and
Lucknow the Kochi project is the third under this brand which is positioned to
provide a product mix of apartments and penthouses to its residents. Other ventures
of Sahara real estate business are Sahara States – Lucknow, Gorakhpur, Hyderabad
and Bhopal, Brand malls – Sahara Ganj, Lucknow and Sahara Mall, Gurgaon.
SAHARA CARE HOUSE is consist of many of the services like plan B1,plan B plan
A etc.All these services have ixplained briefly in further pages.
Membership Plan-B1
18
Cost: Rs 6666
Renew: Rs 3499
Valid for 1 year
1. CONCIERGE SERVICES:
a) Individual healthcare service:
Designed to take care of the specific health needs of your loved ones, our
Individual Healthcare services are flexible enough to suit the varying
health requirements of your family members in India. By availing this
service, NRIs may offer their loved ones the convenience to get lab
investigations done, avail medicines and get access to ambulance and
doctors while sitting at home!
19
We provide wide range of Document and Certificate facilitation services
including facilitation for birth certificates, marks transcripts, marriage
certificate, death certificate and encumbrance certificate in India. Our NRI
friends can also post request for ration card, passport and PAN card
facilitation services.
New Passport (Other than City) Passport for Minor (Other than
City)
Change in Name (City) Birth Certificates from
Municipal Corporation, Taluka,
Tehsil etc.
Change in Name (Other than Degree School / College
City) Certificate
Change of Address (City) Marriage Certificate
20
By subscribing to our Household Utility Bill Payment services NRIs may
bring much relief in the lives of their family members in India. This means,
your parents will never have to stand in a queue to pay utility bills as our
efficient Relationship Ambassadors will take care of it all.
21
h) Property Management & Maintenance
Even while staying abroad, NRIs may assist their loved ones buy, sell or
rent property in India through Sahara Care House. Our Property
Management and Maintenance service also incorporate services like
whitewashing, plumbing, carpentry, pest control etc to assist your parents
take care of their property in India.
i) Relocation Services
NRIs can now help their family members in India relocate without any
hassles by taking advantage of our dependable relocation service. A
friendly Relationship Ambassador will help your family in packing,
moving and settling in with ease - whether it’s within the same city or to
another city.
Relocation Services
j) Security Services
22
Security Guard Hi - Tech Security
k) Event Management
Acquaint your loved ones with rich Indian culture and heritage by sending
books and CDs from our exclusive collection. Incorporating
knowledgeable products on yoga, classical Indian dance and music,
mythology, heritage coins and more, our collection of books and VCDs
make great gift ideas for kids and connoisseurs of Indian culture.
23
n) Tax Filing Facilitation Service
We take care of all your travel needs from booking affordable air tickets, rail
tickets to hotel reservation in luxury and budget hotels of India. Besides, we
also offer affordable tour packages to North, South, East and exotic North-
East India. Plan your tour with Sahara Care House today!
2. Vacation voucher:
• You can plan your holiday for 7N/8D * 52 times = 365 days
• You get 50 to 80% discount on lodging (50% in seasonal times and 80% in
off seasons), Discount is available in 3*, 4*, 5* resorts which are affiliated by
RCI (Resort Condominium International). RCI is an international body which
has certain standards and parameters for resorts, It has 3700 affiliated resorts.
3. Discount Voucher
You get flat 10% discount on online shopping from Sahara care house website.
24
Plan-B
Cost: Rs 7777
Renew: Rs 3999
Valid for 1 year
1. CONCIERGE SERVICES:
a) Individual healthcare service:
Designed to take care of the specific health needs of your loved ones, our
Individual Healthcare services are flexible enough to suit the varying
health requirements of your family members in India. By availing this
service, NRIs may offer their loved ones the convenience to get lab
investigations done, avail medicines and get access to ambulance and
doctors while sitting at home!
25
Executive Healthcare Plan
New Passport (Other than City) Passport for Minor (Other than
City)
Change in Name (City) Birth Certificates from
Municipal Corporation, Taluka,
Tehsil etc.
Change in Name (Other than Degree School / College
City) Certificate
Change of Address (City) Marriage Certificate
26
Our Essential Goods delivery service is designed to make household
shopping convenient for your loved ones in India. On your request, our
dedicated Relationship Ambassadors will deliver grocery, toiletries and
other household items at your loved one’s doorsteps.
27
Our Legalization and Attestation of Documents service is of great benefit
for NRIs who wish to get any document attested or notarized for
themselves or their loved ones in India. On your request, our efficient
Relationship Ambassadors will get your documents attested from gazetted
officer, municipalities or Government bodies in India.
Even while staying abroad, NRIs may assist their loved ones buy, sell or
rent property in India through Sahara Care House. Our Property
Management and Maintenance service also incorporate services like
whitewashing, plumbing, carpentry, pest control etc to assist your parents
take care of their property in India.
i) Relocation Services
28
NRIs can now help their family members in India relocate without any
hassles by taking advantage of our dependable relocation service. A
friendly Relationship Ambassador will help your family in packing,
moving and settling in with ease - whether it’s within the same city or to
another city.
Relocation Services
j) Security Services
k) Event Management
29
Dinner reservations at requested
hotel/restaurant
Acquaint your loved ones with rich Indian culture and heritage by sending
books and CDs from our exclusive collection. Incorporating
knowledgeable products on yoga, classical Indian dance and music,
mythology, heritage coins and more, our collection of books and VCDs
make great gift ideas for kids and connoisseurs of Indian culture.
30
o) Travel and Leisure
We take care of all your travel needs from booking affordable air tickets, rail
tickets to hotel reservation in luxury and budget hotels of India. Besides, we
also offer affordable tour packages to North, South, East and exotic North-
East India. Plan your tour with Sahara Care House today!
2. Vacation voucher:
• You can plan your holiday for 7N/8D * 52 times = 365 days
• You get 50 to 80% discount on lodging (50% in seasonal times and 80% in
off seasons), Discount is available in 3*, 4*, 5* resorts which are affiliated by
RCI (Resort Condominium International). RCI is an international body which
has certain standards and parameters for resorts, It has 3700 affiliated resorts.
3. Discount Voucher
You get flat 10% discount on online shopping from Sahara care house website.
6. Thyrocare
Get 20% discount on Thyrocare.
31
7. Accidental claim (Rs. 8lack)
Husband- Rs. 4 lack (Rs.3.2 lack- RS.80,000)
Wife- Rs. 4lack (Rs.3.2 lack- RS.80,000)
At the time of spot death the person can get full accidental claim of Rs.4 lack. When
he just injured in the accident in this case he could get the benefit of Rs.80,000. If
their treatment is cross over the Rs. 80,000 then the person will give the rest of
amount from their pocket.
Plan-A
Cost: Rs 11029
Renew: Rs 6617
Valid for 1 year
32
1. CONCIERGE SERVICES:
a) Individual healthcare service:
Designed to take care of the specific health needs of your loved ones, our
Individual Healthcare services are flexible enough to suit the varying
health requirements of your family members in India. By availing this
service, NRIs may offer their loved ones the convenience to get lab
investigations done, avail medicines and get access to ambulance and
doctors while sitting at home!
33
New Passport (City) Passport for Minor (City)
New Passport (Other than City) Passport for Minor (Other than
City)
Change in Name (City) Birth Certificates from
Municipal Corporation, Taluka,
Tehsil etc.
Change in Name (Other than Degree School / College
City) Certificate
Change of Address (City) Marriage Certificate
34
By subscribing to our Household Utility Bill Payment services NRIs may
bring much relief in the lives of their family members in India. This means,
your parents will never have to stand in a queue to pay utility bills as our
efficient Relationship Ambassadors will take care of it all.
35
h) Property Management & Maintenance
Even while staying abroad, NRIs may assist their loved ones buy, sell or
rent property in India through Sahara Care House. Our Property
Management and Maintenance service also incorporate services like
whitewashing, plumbing, carpentry, pest control etc to assist your parents
take care of their property in India.
i) Relocation Services
NRIs can now help their family members in India relocate without any
hassles by taking advantage of our dependable relocation service. A
friendly Relationship Ambassador will help your family in packing,
moving and settling in with ease - whether it’s within the same city or to
another city.
Relocation Services
j) Security Services
36
Security Guard Hi - Tech Security
k) Event Management
Acquaint your loved ones with rich Indian culture and heritage by sending
books and CDs from our exclusive collection. Incorporating
knowledgeable products on yoga, classical Indian dance and music,
mythology, heritage coins and more, our collection of books and VCDs
make great gift ideas for kids and connoisseurs of Indian culture.
37
n) Tax Filing Facilitation Service
We take care of all your travel needs from booking affordable air tickets, rail
tickets to hotel reservation in luxury and budget hotels of India. Besides, we
also offer affordable tour packages to North, South, East and exotic North-
East India. Plan your tour with Sahara Care House today!
2. Vacation voucher
• You can plan your holiday for 7N/8D * 52 times = 365 days
• You get 50 to 80% discount on lodging (50% in seasonal times and 80% in
off seasons), Discount is available in 3*, 4*, 5* resorts which are affiliated by
RCI( Resort Condominium International). RCI is an international body which
has certain standards and parameters for resorts, It has 3700 affiliated resorts.
3. Discount Voucher
You get flat 10% discount on online shopping from Sahara care house website.
38
you will get the list of outlets, you will get up to 25% discount in shopping from
those outlets.
5. HEALTH COVER
The member and his family of 3(spouse & 2 dependent children below 21 years)
are covered by medical cover for Rs 2,00,000 under floater policy.
i.Cashless hospitalization
ii.Age limit of 70 Years
iii.No Pre Medical Test Required
iv. Covers Pre Existing diseases(after 6 months of policy
endorsement)
v. Maternity benefit up to Rs 15000 for first 2 children.(after
9 months of policy endorsement)
vi. Covers pre (upto 30 days) & post (up to 60 days)
Hospitalization expenses.
vii. OPD expenses of 1% or Rs 2000.
6. HOUSEHOLD COVER
Burglary, Fire, Earthquake and floods—this policy covers the household of the
purchaser against burglary, Fire, Earthquake and floods etc for Rs 1,50,000.
7. MATIRNITY
Get Rs.15000 each at the first two child birth after taking the service.
8. Accidental claim
Get Rs. One lacks each family member (H/W/C/C) at spot death.
39
Plan-D
Cost: Rs 9803
1. CONCIERGE SERVICES:
a) Individual healthcare service:
Designed to take care of the specific health needs of your loved ones, our
Individual Healthcare services are flexible enough to suit the varying
health requirements of your family members in India. By availing this
service, NRIs may offer their loved ones the convenience to get lab
investigations done, avail medicines and get access to ambulance and
doctors while sitting at home!
40
We provide wide range of Document and Certificate facilitation services
including facilitation for birth certificates, marks transcripts, marriage
certificate, death certificate and encumbrance certificate in India. Our NRI
friends can also post request for ration card, passport and PAN card
facilitation services.
New Passport (Other than City) Passport for Minor (Other than
City)
Change in Name (City) Birth Certificates from
Municipal Corporation, Taluka,
Tehsil etc.
Change in Name (Other than Degree School / College
City) Certificate
Change of Address (City) Marriage Certificate
41
By subscribing to our Household Utility Bill Payment services NRIs may
bring much relief in the lives of their family members in India. This means,
your parents will never have to stand in a queue to pay utility bills as our
efficient Relationship Ambassadors will take care of it all.
42
h) Property Management & Maintenance
Even while staying abroad, NRIs may assist their loved ones buy, sell or
rent property in India through Sahara Care House. Our Property
Management and Maintenance service also incorporate services like
whitewashing, plumbing, carpentry, pest control etc to assist your parents
take care of their property in India.
i) Relocation Services
NRIs can now help their family members in India relocate without any
hassles by taking advantage of our dependable relocation service. A
friendly Relationship Ambassador will help your family in packing,
moving and settling in with ease - whether it’s within the same city or to
another city.
Relocation Services
j) Security Services
43
Security Guard Hi - Tech Security
k) Event Management
Acquaint your loved ones with rich Indian culture and heritage by sending
books and CDs from our exclusive collection. Incorporating
knowledgeable products on yoga, classical Indian dance and music,
mythology, heritage coins and more, our collection of books and VCDs
make great gift ideas for kids and connoisseurs of Indian culture.
44
n) Tax Filing Facilitation Service
We take care of all your travel needs from booking affordable air tickets, rail
tickets to hotel reservation in luxury and budget hotels of India. Besides, we
also offer affordable tour packages to North, South, East and exotic North-
East India. Plan your tour with Sahara Care House today!
2. Vacation voucher
• You can plan your holiday for 7N/8D * 52 times = 365 days
• You get 50 to 80% discount on lodging (50% in seasonal times and 80% in
off seasons), Discount is available in 3*, 4*, 5* resorts which are affiliated by
RCI( Resort Condominium International). RCI is an international body which
has certain standards and parameters for resorts, It has 3700 affiliated resorts.
3. Discount Voucher
You get flat 10% discount on online shopping from Sahara care house website.
45
you will get the list of outlets, you will get up to 25% discount in shopping from
those outlets.
5. Travel Agency
Sahara is providing lifetime travel agency as Sahara global. Any person can buy the
franchise of Sahara global and become a travel agent.
• An opportunity to own your own travel agency
• Book travel across the world is just a “click away”
• Have a choice of more than 40,000 hotels worldwide and more than 3000
hotels across India at best competitive prices, Air fare (domestic and
international) and holiday packages.
• An opportunity to have dual earnings
• The incentive model remains same as per membership option A, B+ over and
above huge earnings through commission while booking travel.
46
Plan-F
Cost: Rs 11029
Renew: Rs 6617
Valid for 1 year
1. CONCIERGE SERVICES:
a) Individual healthcare service:
Designed to take care of the specific health needs of your loved ones, our
Individual Healthcare services are flexible enough to suit the varying
health requirements of your family members in India. By availing this
service, NRIs may offer their loved ones the convenience to get lab
investigations done, avail medicines and get access to ambulance and
doctors while sitting at home!
47
c) Document & Certificate Facilitation in India
New Passport (Other than City) Passport for Minor (Other than
City)
Change in Name (City) Birth Certificates from
Municipal Corporation, Taluka,
Tehsil etc.
Change in Name (Other than Degree School / College
City) Certificate
Change of Address (City) Marriage Certificate
48
Our Essential Goods delivery service is designed to make household
shopping convenient for your loved ones in India. On your request, our
dedicated Relationship Ambassadors will deliver grocery, toiletries and
other household items at your loved one’s doorsteps.
49
Our Legalization and Attestation of Documents service is of great benefit
for NRIs who wish to get any document attested or notarized for
themselves or their loved ones in India. On your request, our efficient
Relationship Ambassadors will get your documents attested from gazetted
officer, municipalities or Government bodies in India.
Even while staying abroad, NRIs may assist their loved ones buy, sell or
rent property in India through Sahara Care House. Our Property
Management and Maintenance service also incorporate services like
whitewashing, plumbing, carpentry, pest control etc to assist your parents
take care of their property in India.
i) Relocation Services
NRIs can now help their family members in India relocate without any
hassles by taking advantage of our dependable relocation service. A
friendly Relationship Ambassador will help your family in packing,
moving and settling in with ease - whether it’s within the same city or to
another city.
50
Relocation Services
j) Security Services
k) Event Management
51
Acquaint your loved ones with rich Indian culture and heritage by sending
books and CDs from our exclusive collection. Incorporating
knowledgeable products on yoga, classical Indian dance and music,
mythology, heritage coins and more, our collection of books and VCDs
make great gift ideas for kids and connoisseurs of Indian culture.
We take care of all your travel needs from booking affordable air tickets, rail
tickets to hotel reservation in luxury and budget hotels of India. Besides, we
also offer affordable tour packages to North, South, East and exotic North-
East India. Plan your tour with Sahara Care House today!
2. Vacation voucher
• You can plan your holiday for 7N/8D * 52 times = 365 days
• You get 50 to 80% discount on lodging (50% in seasonal times and 80% in
off seasons), Discount is available in 3*, 4*, 5* resorts which are affiliated by
RCI( Resort Condominium International). RCI is an international body which
has certain standards and parameters for resorts, It has 3700 affiliated resorts.
52
3. Discount Voucher
You get flat 10% discount on online shopping from Sahara care house website.
5. Travel Agency
Sahara is providing lifetime travel agency as Sahara global. Any person can buy the
franchise of Sahara global and become a travel agent.
• An opportunity to own your own travel agency
• Book travel across the world is just a “click away”
• Have a choice of more than 40,000 hotels worldwide and more than 3000
hotels across India at best competitive prices, Air fare (domestic and
international) and holiday packages.
• An opportunity to have dual earnings
• The incentive model remains same as per membership option A, B+ over and
above huge earnings through commission while booking travel.
6) Thailand Trip
Sahara is providing 4N/5D trip to Thailand for one person. In this trip there are two
days for Pataya and 2 days for Bangkok. We are providing visa charges, medical
insurance and kingfisher flight charges.
• 4N/5D
53
• 1 person
• Lodging free
• Breakfast, lunch and dinner free
• Transportation is free
This means whole charges are included in the plan. No extra charges. The
person can visit the trip after 2 months.
PLAN C
LIC & MONEY BACK PLAN
In this plan, a customer need to pay Rs.15000/- every year for 15 years.
On doing this, he gets a sum assured of 1,50,000/- and the end of 15th year with a tax
rebate of 80C and 10(10)D
Apart form this, customer also gets money back.
• In 4th yr : 20% of the sum assured: 30,000/-
• In 8th yr : 20% of the sum assured: 30,000/-
• In 12h yr : 30% of the sum assured: 45,000/-
• In 16th yr : 30% of the sum assured: 45,000/-
Total =150000/-
Also customer would get an yearly interest of 9000/- which would amount to
9000 X 15
=135000/-
So, the customer pays Rs.225000/- for 15 years but in return he gets Rs.435000/-
from Sahara at the end of 15th year.
Introduction Of Project
CONCEPT
54
A study on the strategic approach adopted by sahara care house
to stand strongly in the competitive service industry. Like what
are the various marketing issues related to the policies provided
by the sahara care house and how does it affect the selling level
of the sahara care house and how it is different from the other
companies policies. Here I am going to find out what type of
customers are preferring the policies according to their
occupation and income level and also let me understand the
efforts that a service provider company sahara care house
make to meet the customers’ demands/requirements as well as
making reasonable business.
55
OBJECTIVE OF STUDY
In a service Company where policies are sold what can be the objective for a trainee?
Yes, it has to do with sales. My SIP was about selling the policies to customers.
The Sales task involves generating leads to recognizing the need of the plan suiting the
customers and finally helping him/her in meeting their objective. Finally converting the lead
and getting the form filled by the customer.
• Identifying: Identifying the customer base for plan contacting the customers
and fixing up meetings with the customers.
• Relationship Building: This is building relationship with the customers.
• Choosing the appropriate Plan: After discussing the Financial status the
appropriate plan is chosen depending on the need of customer.
• Closing the Deal : After the above mentioned steps the following things are
done :
• Master Form: The deal is finally closed by completing and signing the form
and attaching the documents required.
Once all this is complete the forms are submitted at the Office and the receipt is handed over
to the customer.
56
COMPETITORS
Before sahara care house was opened in India their were a number of
companies present in the market which were providing a similar kind of
plans with a little differences.
• Bajaj Allianz
• ICICI Lombard
• Apollo Munich
• Tata AIG
• Max Newyork
57
COMPARISION OF PLAN-D WITH OTHER PRODUCT
AVALIBLE IN THE MARKET
58
Vacation voucher
• You can plan your holiday for 7N/8D * 52 times = 365 days
• You get 50 to 80% discount on lodging (50% in seasonal times and 80% in
off seasons), Discount is available in 3*, 4*, 5* resorts which are affiliated by
RCI( Resort Condominium International). RCI is an international body which
has certain standards and parameters for resorts, It has 3700 affiliated resorts.
Vs
Club Mahindra
7 days inflation free holiday at any of their resorts once an year for 25 years
*Own a week at any club Mahindra resort for a week
*Free 3 year membership to RCI
Club Mahindra primarily own over 15 resorts across India.
Every year you have to pay Annual Subscription fee every year (irrespective of
usage). This amount is anywhere between Rs. 13,094 to Rs 6647 (depending on 2
bedroom apartment, 1 bed room apartment or Studio apartment etc). (This amount is
over and above the regular member ship fee which is in lakhs).
Rs.1,10,381 to Rs 6,21,612 as membership fee (The exact amount depends on the
season you choose to travel, number of people, the type of accommodation you
choose, number of EMIs you wish to pay etc) plus Rs. 166175 to Rs 327350 in
annual subscription fee (That’s 6647*25 years to Rs 13,094 *25 years). In total,
you’ll end up paying anywhere between Rs 2,76, 556 to Rs. 9,48,962 all for
accommodation.
You get flat 10% discount on online shopping from sahara care house website.
It entitles you to avail fabulous (up to 25%) discount from over 1800 outlets across
India. You just go to sahara care house website and select your state, city, category
you will get the list of outlets, you will get up to 25% discount in shopping from
those outlets.
59
Sahara Care House Life Style Magazine
It is the most valuable service for you which gives a great opportunity for those who
want to be an entrepreneur. You can start your own business with the association of
Sahara Global. Sahara Global is a tour and travel company of Sahara India Pariwar.
It is like You get the franchisee of Sahara Global. You are given a travel guide
(book) and ID and Password. Member will have access to personalized data in the
website and can book/act online or offline on a wide range of tourism products.
These products can be used for personal booking or can be sold to others for a profit.
Sahara Global has tie up with 40000 hotels all over the world (3000 in India). You
just need a telephone line, a computer and an internet connection. You can book
tickets both online and offline. You get an opportunity to have dual commission. As
you log in with your ID and Password, You can book air tickets, rail tickets, hotels,
holiday packages, transportation involved etc. when you book a message flash on
your screen about your commission given by Sahara. You can take extra as your
service charge from your customers. You get 5 to 10% discount and it varies with the
amount of transaction. You can pay via debit card, credit card, can deposit cash in
bank account of Sahara, You can pay cash, You just need to call Sahara, Our
collection team will come and collect cash from you. It totally depends on you how
you want to pay. We are best competitive in the prices. Once you take this plan you
get Sahara global franchise for life time. You need not to pay any subscription
amount life time.
There are lots of companies available in the market
who provides an opportunity the client to become a entrepreneur. Some of the
companies are Cox and kings, club Mahindra, 365 tour, raj travel world and prime
travel etc. they all provides services as their convenience. Each and every company
provide different features at different costs.
FRANCHISE
60
Cox and Kings Sahara Global
Commission from
Fixed 4% 5-10%
company
FRANCHISE
61
PRIME TRAVELS SAHARA GLOBAL
Franchise Fee 150,000 9803
Security 40000 Nil
Space Required 200 sq.ft. Up to You
• Should preferably be on
the ground floor.
• Should be main road
facing.
• Should have a provision
Basic Requirement of a Sign board which
will be clearly visible.
Computer, internet
• Air-conditioning
Connectivity&
• A flair for managing a
a printer
Direct Sales team
FRANCHISE
62
CLUB MAHINDRA SAHARA GLOBAL
Franchise Fee 50000 9803
Security 40000 Nil
Space Required 300 sq.ft. Up to You
• Should preferably be on
the ground floor.
• Should be main road
facing.
• Should have a provision
Basic Requirement of a Sign board which
will be clearly visible.
Computer, internet
• Air-conditioning
Connectivity&
• A flair for managing a
a printer
Direct Sales team
Lifestyle, travel/holiday
Experience products, Insurance, Personal Not Necessary
loans and credit cards
63
Vs.
Franchise
FINANCIAL VIABILITY
Rs 1,00,000.00 + 12.25%
Royalty fees Service Tax(non refundable)
Rs 9803
Computer Printer,
On your minimum
Telephones and Rs 45,000
Rate
Internet
Furniture &
Rs 50,000 Up to you
Air-conditioning
Printing ,
Stationery & Rs 10,000 Up to you
Sign Board
RS 9803 + your
TOTAL Rs 2,05,000 Min.
Requirement
64
ESTIMATED MONTHLY EXPENSES OF A FRANCHISE UNIT
Telephone- Communications
2000 Up to you
65
FEATURES 365TOURS
SAHARA
GLOBAL
1 PRICE 8888 +TAX STARTING
5. PROPERTY ON (10.3%)
NO FROM 10,000
PRIVATE
WHICH +TAXRENTED
NOT
2. MINIMUM
OFFICE IS NIL 200 SQ FT
SITUATED
AREA
6.
3. FRANCHISE
TERRITORI YES
NO YES
NO
TRANNING
AL RIGHT
7. TERM OF 1 YEAR LIFE TIME
4. PERFORMA
FRANCHISEE NO NO
8. NCE
RENEUABLE YES YES
GUARANTE
E
9. A/c, quality
No Yes
furniture
10. MINIMUM No No
STAFF
11. SECURITY No
MONEY
12. COMMISSION Very Very
67
Preferably be under ownership
Can be on lease or can
be under ownership
Main-road facing
Not compulsory
Telephone lines
2 phones and 1 fax line only 1 phone line
Air-conditioning
Properly air conditioned Not compulsory
Computer, internet
Connectivity & a printer
68
A peon to facilitate daily
Operations Not compulsory
This includes all the data which is been collected through the Market Research done
by me. It completely shows the comparison of Medical Claim given by other Brands
& SAHARA CARE HOUSE in its Plan-A as an Additional benefit.
The comparison what we have done of SAHARACAREHOUSE is some of the
renowned BRANDS like ICICI Lombard, MAX NEWYORK etc..
Market Research for the PLAN-A is as follows:-
69
SAHARA CARE BAJAJ ALLIANZ
HOUSE
1 DOCUMANTATION No Documentation No Documentation
required required
2 SUM AMOUNT 2L 2L-4L
3 FLOATER FACILITY Available Available
4 ENTRY AGE & 3 months-70 years 3 months-55years, renewal
renewal period up to 65 yrs.
5 CASH LESS Tie up with 3500 Tie up with 2400 hospitals
FACILITY hospitals
6 REIMBURSEMENT Within 7 days with 10% of co-payment is
PERIOD full amount deductable in non-network
hospital
7 PRE EXISTING Covers after 6 months Covers after 4 years
DISEASE
8 PRE & POST Pre-30 days Pre-60 days
HOSPITALIZATION Post-60 days Post-90 days
9 PREMIUM 11027 for 1st year 2338(90days-25yrs)
6617 for every year if 2736(26yrs-40yrs)
you want to avail the 3591(41yrs-45yrs)
service for rest of your 5586(46yrs-55yrs)
life.
10 MATERNITY Yes,15000 for 1st 2 Not given
children
11 TESTING No testing required Testing required after
45years
70
SAHARA CARE ICICI LOMBARD
HOUSE
1 DOCUMANTATION No Documentation No Documentation required
required
2 SUM AMOUNT 2L 2L-4L
71
SAHARA CARE APOLLO MUNICH
HOUSE
1 DOCUMANTATION No Documentation No Documentation required
required
2 SUM AMOUNT 2L 2L
72
SAHARA CARE TATA AIG
HOUSE
1 DOCUMANTATION No Documentation No documentation required
required
2 SUM AMOUNT 2L 2 lacs after evry 7 days
73
5.Comparison between SAHARACAREHOUSE & MAX
NEWYORK
Research Methodology
74
Definition of Research
The word research is derived from the Latin word meaning to know. It is a
systematic and a replicable process which identifies and defines problems, within
specified boundaries. It employs well designed method to collect the data and
analyses the results. It disseminates the findings to contribute to generalizeable
knowledge.
OBJECTIVE OF RESEARCH
Research design phase :-
75
This phase mainly involve stating the conceptual structure within which research
would be conducted. The main steps involved in this phase are as:
Sampling Plan:
The sample was selected for the study by convenient method. This type of sampling
where each & every item in the population has an equal chance of inclusion in the
sample.
Sample unit:
Under the study the customers are considered the sample unit in JAIPUR & Jaipur,
Bundi Districts.
Sample size:
The sample for research consisted of 100 Customers of JAIPUR Jaipur & Bundi
Districts. The sample was spread all over the JAIPUR Jaipur& Bundi Districts. The
sample size was restricted to 100 because of financial & time constraint.
1. Primary sources:-
2. secondary sources:-
Preparation of Questionnaire :-
76
The questionnaire was prepared by the researcher himself. The preparation of
questionnaire was done by keeping the objective of study in mind. The researcher
took some help from experts during the framing of questionnaires. The preparation
of questionnaire took about 4-5 days. The questionnaire used for study was of closed
type since it is free from bias nature of respondents.
Analysis phase :-
After the data has been collected the researcher tabulated the data from the tables the
researcher analyzed the data. During the analysis of data help of various types of
charts & graphs was taken. The analysis phase took about seven days. For further
results weighted average method was used whenever required. Finally on the basis of
analysis various results and conclusions were drawn.
77
78
SWOT ANALYSIS
Strength
Good brand image.
Policies are better than competitors.
Easily purchasable policies.
Weakness
• Marketing of policies are not done much.
• Too much dependence on current customers to lead to new customers.
Opportunity
• Target the older customers as its policies are beneficial and easily affordable
for them.
• Target the lower income group with some new policies.
Threats
• Too much competition.
• Its not easy to convince a customer to buy the policy.
79
WORKING METHODOLOGY
Basically the project is based on field work where the policies are meant to be sold
to the customers. This selling is done by personally meeting the customer and
explaining him/her all the plans or by explaining the plan which may fit him/her the
most as per the requirement of the customer. Also leads are generated from one
customer to others that is by getting information or contact of the person who could
be the possible customer.
Other than the field work some research work has been done regarding the
comparison of the sahara care house plans and its competitors. The comparison has
been shown above.
80
STRATEGIC APPROACH ADOPTED BY SAHARA CARE
HOUSE
All products and services are generally sold through distribution channels. These
distribution and advertising costs range between 25% -50% of the product cost but
products get sold generally on the basis of recommendations made by existing users
or experts. But recommendations don’t fetch any money to the recommender. The
power of recommendation is so strong in some businesses that they live or die on this
basis, of which cinema is the finest example
If we are somehow able to pay the recommender for recommendation one can
Imagine of how strong a market of a product or service can be
81
MULTILEVEL MARKETING
82
LIMITATIONS OF THE PROJECT
• People like to buy those plans which are generally promoted more through
advertisements and in case of sahara care house plans they don't use
advertisements so to motivate people to buy their plans becomes more tough.
• Sahara care house does not give tax redemption as against most of the
competitors give to its customers.
• Plans offered by sahara care house doesn't provide much variety where as
other competitors provide more then one plan in same category like in
mediclaim.
RECOMMENDATIONS
83
through advertisement or any other media which affects its
awareness among people and thus dependence upon current
customers to add on more customers through them is too much.
Thus I would suggest sahara care house to use the benefits of
advertisement
to market and increase the awareness of its presence in the market.
• One major advantage that the other competitors take over from
sahara care house is of providing tax redemptions benefits that
sahara care house is not providing so I would suggest sahara care
house if they provide tax redemption then it will give them a clear
cut advantage over the other competitors.
• The claim amount given by sahara care house in its plans is fixed
to same one amount where as other competitors provide different
claim amount for same plan. Thus I suggest if sahara care house
plans gets a little flexible they will get the benefit as some people
requirement for insurance amount is more which will be then
provided by other competitors.
CONCLUSION
84
The information and findings based on the research done
regarding the plans offered by sahara care house and comparing
them with the plans offered by the other competitors is done
successfully and it has been found that all the plans offered by
Sahara care house are unique in themselves and are even better
then them in most of the ways. Just a little bit changes and
adding some more features as suggested in the
recommendations and adding them to its plans will make it one
of the best.
As the summer internship training was basically a field
job of selling the plans offered by Sahara care house which
gives me a good amount of experience while facing the
corporate sector practically. The plans offered by Sahara care
house teaches me basically the manner in which one has to deal
with the customers. The selling job itself teaches a lot
especially when it is related to the selling of medical related
policies , vacation vouchers etc.
At last I would like to say that the summer internship was
totally beneficial to me and helps me to understand the selling
job. The experience was totally knowledgeable and thus
making me use to of corporate life.
BIBLIOGRAPHY
BOOKS/MAGAZINES:
85
Marketing Management by Philip Kotler
Economic Times.
Data gathered from Broachers
WEBSITES:
• www.sahara.in
• www.saharacarehouse.in
• www.wikipedia.org
• www.icicilombard.com
• www.tataaig.com
• www.bajajalliance.co.in
• www.apollomunichinsurance.com
• www.maxnewyork.com
• www.coxandkings.com
• www.sotc.in
• www.thomascook.in
• www.clubmahindra.com
• www.makemytrip.com
www.greatindiaholiday.com
QUESTIONNAIRE
Name…………………………………….
Age…………………….
Occupation………………………………………………………..
Address………………………………………………………………………………
…………………………….
86
1. Are you aware of Sahara Care house, a Sahara India
Pariwar Initiative?
Yes No
Yes No
Healthcare Services
Personalized services
Utility Services
Sending Gifts
Others (please Specify)
Yes No
87
6. How do you make your bookings & reservations?
(Multiple responses accepted)
88
Connectivity Issues
Customer support
Quality of web content
Other secondary facilities (ForEx, visa,
insurance etc.)
Brand Awareness
10. Which kind of promotional strategy motivates you most to book tickets from
a certain online travel portal?
Discount Voucher/gifts Attractive Tour packages other facilities
Please specify for others:
11.Which of the following advertising media are effective to increase sells and
that can change purchasing decision? (Multiple responses accepted)
Television Print media Email/SMS alert
Banner/Hoarding Online advertisement Blogs & Reviews
12. Will you buy/use Sahara Care House Plans in near future?
Yes Maybe No
Personal Information
89
Monthly income: Rs 20,000-30,000 Rs 30,000-50,000
Rs 50,000-80,000 Rs 80,000-1,20,000
90