copy of copy of demat accounts - gurbhajan singh saggu o2222

8/9/2019 Copy of Copy of Demat Accounts - Gurbhajan Singh Saggu o2222

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SUMMER PROJECT REPORT

ON

DEMAT ACCOUNT

SUBMITTED FOR THE PARTIAL FULFILLMENT OF THE DEGREE OF

MASTER OF BUSINESS ADMINISTRATION

(PUNJAB TECHNICAL UNIVERSITY)By

GURBHAJAN SINGH

ROLL NO.81005317105

Under The Supervision Of

Ms.ROSY SHARMA(Lecturer)

Chandigarh Business School, Landra, Mohali

YEAR 2008-2010

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Certificate of Supervisor

This is to certify that Mr. / Ms. Gurbhajan singh Roll No. 81005317105 has

completed the Summer Project Titled DEMAT ACCOUNT under my

supervision in partial fulfillment of the MASTER OF BUSINESS

ADMINISTRATION degree from chandigarh business school, landran

(affiliated by Punjab Technical university).

Ms. ROSY SHARMA

(Lecturer)

Date:

Place:

Forwarded for evaluation by the Dean:

(Deans Signature)

Seal of the Dean

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Declaration

I, hereby declare that the research project report titled DEMAT ACCOUNT

is my own original research work and this report has not been submitted to any

University/Institute for the award of any professional degree or diploma.

(GURBHAJAN SINGH)

MBA (3rd)

Chandigarh Business School

Date:

Place:

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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 .

My honourable Mentor Mr.Tajendar Singh ,for allowing me to work on this

project and provide necessary help.

I thank my respected faculties ,dear friend & colleagues ,who help me in every

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

GURBHAJAN SINGH

MBA II1rd Semester

ROLL No-81005317105

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CONTENTS

Introduction 7

Company Profile 8

Product of the Reliance Money 16

Research Methodology

Need for the study 35

Competitors 36

Objective 43

Data Analysis and Interpretation 53

Observation and Finding 55

Limitation 57

Bibiliography

Appendix

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INTRODUCTION

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, IPOs

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.

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PROFILE OF RELIANCE MONEY

The Reliance Anil Dhirubhai Ambani Group is among Indias top three private sector

business houses on all major financial parameters, with a market capitalisation of

Rs.325,000 crores (US$ 81 billion), net assets in excess of Rs.115,000 crores (US$ 29

billion), and net worth to the tune of Rs.55,000 crores (US$ 14 billion)

Reliance Money is a comprehensive electronic transaction platform offering a wide

range of asset classes. Its Endeavour is to change the way India transacts in financial

markets and avails financial services. Reliance Money is a single window, enabling you

to access, amongst others in Equities, Equity & Commodities Derivatives, Mutual

Funds, IPOs, Life &

General Insurance products, Offshore Investments, Money Transfer, Money Changing

and Credit Cards.

Reliance Money is a group company of Reliance Capital; one of India's leading and

fastest growing private sector financial services companies, ranking among the top 3

private sector financial services and banking companies, in terms of net worth. Reliance

Capital Ltd. has interests in asset management, life and general insurance, private

equity and proprietary investments, stock broking and other financial services.

Reliance Capital is one of Indias leading and fastest growing private sector financial

services companies, and ranks among the top 3 private sector financial services and

banking companies, in terms of net worth. The company has interests in asset

management and mutual funds, life and general insurance, private equity

andproprietary investments, stock broking and other activities in financial serv

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RELIANCE ADA GROUP

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Reliance Money

Reliance Money is a group company of Reliance Capital, one of India's leading andfastest growing private sector financial services companies, ranking among the top 3

private sector financial services and banking companies, in terms of net worth. Reliance

Capital is a part of the Reliance Anil Dhirubhai Ambani Group.Reliance Money is a

comprehensive electronic transaction platform offering a wide range of asset classes. Its

endeavour is to change the way India transacts in financial markets and avails financial

services.

Reliance Money is a single window, enabling you to access, amongst others in Equities,

Equity & Commodities Derivatives, Mutual Funds, IPOs, Life & General Insurance

products, Offshore Investments, Money Transfer, Money Changing and Credit Cards.

The Reliance Anil Dhirubhai Ambani Group is one of India's top 3 business houses, and

has a market capitalisation of over Rs.2,90,000 crore (US$ 75 billion),net worth in

excess of Rs.40,000 crore (US$ 10 billion), cash flows of Rs. 9,000 crore (US$ 2.2 billion),

net profit of Rs. 5,000 crore (US$ 1.3 billion) and zero net debt.

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. Groups

major interests 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

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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 theservices 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.

The Reliance Money stock trading websites uses special security features 'Security

Token', which makes your online trading experience more secure without complexity.

Stock Trading through RelianceMoney.com is available for BSE and NSE stockexchanges. Offline trading is also available through Reliance Money partners in more

then 5000 city across India and through phone by dialing 022-39886000.

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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 26,000employees.Money has increased its market share among private financial companies to

nearly Convenient & effective Anytime & anywhere financial transaction capability.

Launched inApril 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.

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Advantages of Reliance Money

Extra security features with 'Security Token'', which is the most secure and tested

technology in computer world.

Simple, easy and fast online stock trading.

Almost all investment options are available under one account including EquityTrading, Derivatives, Forex, Commodity, IPO, Mutual Funds and Insurance.

Branches are available in all major cities and the number is growing

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RELI ANC E MON EY P RODUC T OF FERI NG

1 . Trading Porta l (with almost negligible brokerage )

Equity Broking

Commodity Broking

Derivatives ( Futures & Options )

Offshore Investments (Contract For Differences)

D-Mat Account.

2 . F inancial Products

Mutual Funds

Life Insurance

o ULIP plan

o Term Plan

o Money Back Plan

General Insurance

oVehicle/Motor Insurance

oHealth Insurance

oHouse insurance

IPOs

NFOs

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the older traditional trading method, (i.e) the share buyer have to inform to the broker

regarding his purchase decision and then the broker forward it to the stock exchange,

then they allot the shares to the respective buyer and send him a registered share

certificate via postal department. The investor has to wait for 5 days for his transaction.

But now due to the entry of Demat account and online share trading platforms. The

investor can buy and sell any volume of shares online by one mouse click

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Procedure

1. Fill demat 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 R&T Agent .

4. After dematerialisation, your depository account with your DP, would be credited

with the dematerialised securities.

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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, IPOs

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 a reliance money account

Its cost effective

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

to pay a flat fee of just Rs. 500/- and 750/- and transact through reliance money. This

fee is valid for two months or a specified transaction value

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*. See the table for details. Validity

(wichever is earlier) Turnover limit

Access Fee (Rs.) Time ValidityTurnover Validity Non-delivery turnover

Delivery turnover500 2 months Rs. l Cr. Rs. 90 Lac Rs. 10 Lac

1350 6 months Rs. 3 Cr. Rs. 2.7 Cr. Rs. 30 Lac

2500 12 months Rs. 6 Cr. Rs. 5.4 Cr. Rs. 60 Lac

It offers Single Window Access to almost all financial products.

Its Convenient - Reliance Money's services are through the Internet, Transaction

Kiosks and over the phone.

It's Safe

Accounts are safe guarded with a unique security number that changes every 32

seconds. This number works as a dynamic password to keep your account extra safe.

It provides you a 3...in...l facilityof Banking, Trading and Demat Account through a single window and transfer funds

across accounts seamlessly

The table below for details.

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Its offers single

Through reliance moneys associates, you can transact in equity, equity and

commodities derivatives, offshore investments mutual funds, IPOs life insurance,

general

insurance, money transfer, money changing and credit cards, amongst others.

Its convenient

You can access reliance moneys services through

The internet

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Transaction kiosks

The phone (call & transact)

Our all India network of associatesOn an assisted trade (through the call centre or

our network of associates) a charge of Rs 12 per executed trade applicable.

Its SafeYour 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.

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You get your own demat account with reliance capital at an annual fee of just Rs.

50/-.

Its 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 seamlessly.

It provide you value- added service

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

CEOs / 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 allocators to build an appropriate investment portfolio

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Innovative use of technology for facilitating

convenient trading/investments

kiosks (similar to ATMs)

Reliance Money Provide the kiosks (similar to ATMs) Facilities, to their customer

through which the customers can trade on available kiosks at the particular Branch of

Reliance Money. The company are going to open these kiosks in the market as the

ATMs of the Banks.

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Reliance Money provides 3 different trading platforms for equity trading:

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;

Extra security features with 'Security Token'', which is the most secure and

tested technology in computer world.

Simple, easy and fast online stock trading.

Almost all investment options are available under one account including Equity

Trading, Derivatives, Forex, Commodity, IPO, Mutual Funds and Insurance.

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Proof of Address

Proof of Pan card (mandatory)

Recent photographs, one and, or moreFor proof of identification and,

or address self-attested facsimile copies of PAN card, Voters ID, Passport, Ration card,

Drivers 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.

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Points To Remember

1. Only securities admitted by NSDL can be dematerialized. The list is available with

your DP.

2. Only securities registered in the name of the account holder can be dematerialized.

3. Dematerialization is normally completed within 15 days after the share certificates

have reached the issuer/ their R&T Agent. Thus it may take you a month from the date

you hand over shares, to receive demat credit.

4. Dematerialization would be done only when the issuer / their R&T Agent is satisfied

of genuineness of securities & ownership status

5. All the joint holders should sign the DRF.

6. The pattern of holding in the DRF should match the pattern of holding on the share

certificate & the pattern in which account is opened.

7. Demat requests with name(s) not matching exactly with the name(s) appearing on the

certificates merely on account of initials not being spelt out fully or

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put afteror prior to the surname, would be processed, provided the signature(s) of the

client(s) on the DRF tallies with the specimen signature(s) available with the issuer/

their R & T agent.

8. If the signature in the DRF does not match with the signature available with the

issuer/ their R & T agent, the issuer/ their R & T agent may at the time of demat

confirmation, ask for additional documentation (like

bank attestation/ notarisation, etc.) to prove that the certificate belongs to the person

who forwarded the DRF.

9. In case there is any problem in processing the DRF, contact your DP and if he cannot

resolve the problem you may contact NSDL.

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Benefit

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 scrips tobe 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 toholding securities in physical form..

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

form.

Instantaneous transfer of securities enhances liquidity.

I t e liminates delays, the ft s, intercept ions and subsequent

misuse of certificates.

Change of name, address, registration of power of attorney,

delet ion o f deceased's name, e tc . - can be e ffec ted across

companies by one single instruction to the DP.

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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.

I t fac il itates taking advances aga inst secur it ie s on low margin/ low

interest.

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RESEARCH METHODOLOGY

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

methodology as a scientific and systematic search for required information on aspecific

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 systemstized effort to gain new knowledge.

TYPES OF RESEARCH

ANALYTICAL RESEARCH:-

It has to used facts or information already available and analyze these to make a

critical evaluation of material.

SAMPLE SIZE :Considering the constraints it was decided to conduct the study based

on sample size of 50 people in specific age groups.

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DATA ANALYSIS AND INTERPRETATION

Q .1 Which bank is easily available every were ?

Company Name Percentage of respondent

Reliance Money 25

ICICI 15

HDFC 10

0

5

10

15

20

25

Reliance ICICI HDFC

Interpretation:- 50% have respondent of Reliance Money, 30% have respondent of

HDFC, 20% have respondent of ICICI.

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

Company Name Percentage of respondentReliance money 25

HDFC 10

ICICI 15

0

5

10

15

20

25

RLIANCE HDFC ICICI 4th Qtr

INTERPRETATION : 50% have respondent of Reliance Money, 20% have respondent

of HDFC, 30% have respondent of ICICI.

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

Company Name Percentage of respondentReliance money 23

HDFC 11

ICICI 16

0

5

10

15

20

25

Reliance HDFC ICICI

INTERPRETATION: 46% have respondent of Reliance Money, 22% have respondentof HDFC, 32% have respondent of ICICI.

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Q.4 Which company provide a less BROKARAGE rate ?


Reliance money 21

HDFC 15

ICICI 14

0

5

10

15

20

25

Reiance HDFC ICICI 4th Qtr

INTERPRTETATION: 42% have respondent of Reliance Money, 30% have

respondent of HDFC, 28% have respondent of ICICI.

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


Reliance money 21

HDFC 15

ICICI 14

0

5

10

15

20

25

Re liance HDFC ICICI

INTERPRETATION:- 42% have respondent of Reliance Money, 30% have respondent

of HDFC, 28% have respondent of ICICI.

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Represent a pie chart

Reliance

45%

HDFC

28%

ICICI

27%

OBSERVATION

To s tu dy t he s al es a nd d is tr ib ut io n man ag emen t a nd i mp ro ve t he

Customer Acquisi t ion 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




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NEED OF THE STUDY

The need of the study arises because of the reason that a trainee must

understand the company , i ts ach ievements and tasks , products and

services and a lso to col lect information about i ts competi tors , i ts

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.

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COMPETITORS

HDFC BANK is one of the leading Depository Participant (DP) in the country with over

8 Lac demat accounts.

HDFC Bank Demat services offers you a secure and convenient way to keep track of

your securities and investments, over a period of time, without the hassle of handling

physical documents that get mutilated or lost in transit.

HDFC BANK is Depository particpant both with

National Securities Depositories Limited (NSDL) and Central Depository Services

Limited (CDSL).

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Features & Benefits

As opposed to the earlier form of dealing in physical certificates with delays in

transaction, holding and trading in Demat form has the following benefits :

Settlement of Securities traded on the exchanges as well as off market transactions.

Shorter settlements thereby enhancing liquidity.

Pledging of Securities.

Electronic credit in public issue.

Auto Credit of Rights / Bonus / Public Issues / Dividend credit through ECS.

Auto Credit of Public Issue refunds to the bank account.

No stamp duty on transfer of securities held in demat form.

No concept of Market Lots.

Change of address, Signature, Dividend Mandate, registration of power of attorney,

transmission etc. can be effected across companies held in demat form by a single

instruction to the Depository Participant (DP).

Holding / Transaction details through Internet / email.

Incase you need any more information or have any queries , feedback & complaints ,

you may please mail us at [email protected]

Secured & easy transaction processing

HDFC Bank Ltd provides convenient facility called 'SPEED-e' (Internet based

transaction) whereby account holder can submit delivery instructions electronically

through SPEED-e website (https://speed-e.nsdl.com). SPEED-e offers secured means of

transaction processing eliminating preparation of instruction slips and submission of

the same across the

counter to the depository participant.

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The 'IDEAS' facility helps in viewing the current transactions and balances (holdings)

of Demat account on Internet on real time basis.

Disclaimer:

Whatever have been stated above are in the good interest of the Investor / Demat

Applicants / holders to provide a brief picture about the depository system. You are

requested go through the guidelines of the depositories before taking any further action.

For detailed guidelines, you are requested to approach your nearest HDFC Bank

branch. HDFC Bank will not be responsible for any misunderstanding / act based onthe above. Also HDFC Bank might ask for additional information / documentation than

what has been stated above to process your application / instruction.

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ICICI DIRECT

ICICIDirect (or ICICIDirect.com) is stock trading company of ICICI Bank. Along with

stock trading and trading in derivatives in BSE and NSE, it also provides facility to

invest in IPOs, Mutual Funds and Bonds. Trading is available in BSE and NSE

ICICIDirect offers 3 different online trading platforms to its customersType of Account

1. Share Trading Account

Share Trading Account by ICICIDirect is primarily for buying and selling of

stocks in BSE and NSE.

This account allows Cash Trading, Margin Trading,

MarginPLUS Trading, Spot Trading, Buy Today Sell Tomorrow and Call and Trade

on phone.

ICICIDirect.com website is the primary trading platform for this trading

account. They also provide installable application terminal based application for

high volume trader.

2. Wise Investment Account

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3. Online Mutual funds investment allows investor to invest on-line in around

19 Mutual Fund companies. ICICI Direct offers various options while

investing in Mutual Funds like Purchase Mutual Fund, Redemption and

switch between different schemes, Systematic Investment plans, Systematic

withdrawal plan and transferring existing Mutual Funds in to electronic

mode. This account also provides facility to invest in Government of India

Bonds and ICICI Bank

4. Tax Saving Bonds.

2.Active Trader account gives more personalized investment options to the investors. It

allows investor to use online and offline stock trading. It also provides with independent

market expertise and support through a dedicated Relationship Manager from ICICI.

Active Trader also provides commodity trading.

Brokerage and fees

Account opening fees : Rs 750/- (One time non-refundable)

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Disadvantages of ICICIDirect

1. Getting access to ICICIDirect.com website during market session can be

frustrating.

2. ICICIDirect brokerage is high and not negotiable.

3. Not all stocks are available under Margin Plus.

OBJECTIVE

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To find the market potential and market penetration of Reliance

Money product offerings in Bhopal.

To collect the real t ime information about preference level of

customers using Demat account and their incl inat ion towards

v ar io us o th er b ro ke ra ge f ir ms e .g . I nd ia bu ll s, S ha re kh an ,

Indiainfoline, Religare, Alankit , Unicon.

To expand the market penetration of R eliance money.

To provide pric ing strategy of competi tors to f ight cut throat

competition.

To increase the product awareness of Reliance money as s ingle

window shop for investment solutions .

Major Findings

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CONCLUSION

Reliance Demat Account is better than other Demat account . Reliance Money have 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 provide a security with the use of specisl type of key .

From this 45 days experience in a corporate, I got a good exposure about

what really the corporate life is about. Its waking along with targets and

mind stresses every morning. The person who can manage these target andstress are shining in those fields.

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LIMITATION

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.

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SUGGESTION

The Brand image of Reliance Money is good in market but according to customer

saticfaction the company have to provide the better service.

And also change the Market strategy

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BIBLIOGRAPHY

Websites:

www.reliancemoney.com

www.hdfc.com

www.icicidirect.com

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QUESTIONNAIRE

Q .1 Which bank is easily available every were ?

Reliance Money

HDFC

ICICI

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

Reliance Money

HDFC ICICI

Q.3 Which bank provide you abetter email facility?

Reliance Money

HDFC

ICICI

Q.4 Which company provide a less BROKARAGE rate ?

Reliance Money

HDFC

ICICI

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

Reliance Money

HDF

ICICI

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Q.6 Do you feel investing in STOCK MARKET is safe ?

YES

NO

Q.7 Are MUTUAL FUNDS a better option than stocks ?

YES

NO

DONT SAY

Q.8 How do you rate a FIXED DEPOSIT as an investment ?

GOOD

AVERAGE

EXCELLENT

Q.9 Are you aware about of all TAX SAVING SCHEMES available ?

YES

NO

DONT SAY

Q.10 General insurance remember the date of insurance expiry of your car?

YES

NO

DONT SAY

Q.11 Do you have a D-mat/Trading account?

YES

NO

DONT SAY

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copy of copy of demat accounts - gurbhajan singh saggu o2222

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