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Survey On
Awareness Of BAJAJ CAPITAL LIMITED &Investment Pattern Of People Of Varanasi
City.
FOR PARTIAL FULLFILLMENT OFPGDM
UNDER THECOMPILED BY:SUPERVISION OF:NAME
SR. Prof. PGDM!
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Co""#$e N#%e
TABLE O CO!TE!T"
Acknowledgement --------------------------------2
Declaration -------------------------------------3
Preface ----------------------------------------4
Research Objectives ------------------------------5
Research ethodolog! and Design -------------------"
#ntrod$ction ------------------------------------%
Data Anal!sis and #nter&retation -------------------5'
(indings ---------------------------------------'2
)oncl$sions -------------------------------------'5
*imitations -------------------------------------''
+$ggestions ------------------------------------'%
,ibliogra&h! ------------------------------------'
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Anne.$re --------------------------------------%/
AC&NO'LEDGEMENT AC&NO'LEDGEMENT
0o gain witho$t &ains is a common sa!ing1 ratit$de is the hardest
of emotion to e.&ress and often does not find ade$ate words to
conve!1 herefore a +$rve! Project Re&ort is not an effort of a
single &erson b$t it is a contrib$tor! effort of man! hands andbrains1 +o # wo$ld like to thanks all those who have hel&ed me
directl! or indirectl! d$ring m! +$rve! Project1
6ith an ineffable sense of gratit$de # take this
o&&ort$nit! to e.&ress m! dee& sense of indebtness to
for allowing me to carr! o$t this s$rve! work1
# am also thankf$l to 777777name of $r metor
8both of collage 9 bajaj ca&ital:77777 for his keen interestconstr$ctive criticism &ersistent enco$ragement and $ntiring
g$idance thro$gho$t the develo&ment of the &roject1 #t has been m!
great &rivilege to work $nder his ins&iring and &rovoking g$idance.
# wo$ld like to thank all m! teachers
staff members and *ibrar! members for their val$able advice and
g$idance which hel& me to make this re&ort effective interesting
and &$r&osef$l1
# A also thankf$l to the cons$mers for being
a so$rce of information in &roviding me the correct and the fact
data1
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DECLARATION------------------------------------------------------------------------------------------------------------
# hereb! declare that the information &resented
here is correct to the best of m! knowledge1 Also the
re&ort &resented has not been &$blished an!where.
Pla#e $ DATE :
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P%EACE------------------------------------------------------------------------------------------------------------
#t is great hono$r to work on the &roject assigned to me
and to &re&are a re&ort on this1
#n the &resented re&ort the introd$ction of ,A;A;)AP#A* which is a well known and a leading ,roker
com&an! dealing with #ns$rance Policies $t$al ($nd
De&osits etc of )om&anies is given in detail which will hel&
the reader to make a clear fig$re of it in mind1
he to&ic assigned to me was a ver! challenging one and
after a hard work in collecting the data 9 anal!sis # havereached to the concl$sion which is ver! clearl! shown in the
re&ort &resented1
#t was not an eas! job to work on it and this was &ossible
onl! with the great hel& and g$idance of m! mentor 7777r1
name of $r mentor 77777777who g$ided me to the right &ath
in each and ever! &roblem came in front1
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#t is re$est to the res&ected readers to give their views
and s$ggestions regarding this &roject and will be hono$red
which will definitel! hel& me on m! ne.t task1
hanking !o$1
%E"EA%C OBJECTIVE"------------------------------------------------------------------------------------------------------------
he s$rve! was cond$cted with following objectives=-
o know awareness of #nvestors in >aranasi )it! regarding,ajaj )a&ital1
o know awareness of #nvestors in >aranasi )it! regarding
Prod$cts 9 +ervices Provided b! ,ajaj )a&ital1
o know the satisfaction level of c$stomers of ,ajaj )a&ital
regarding 0o8s: 9 *ocations of its ,ranches in >aranasi )it! 9
the formalities re$ired b! ,ajaj )a&ital (or selling a (inancialProd$ct1
o know the c$stomers? +atisfaction regarding )harges a&&lied
b! ,ajaj )a&ital 9 )$stomer )are +ervices &rovided b! ,ajaj
)a&ital1
o know the c$stomers? Overall +atisfaction Regarding ,ajaj
)a&ital1
o know the investors investment &attern in different
#nvestment O&tions available in the market1
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o know the Objective of #nvestors behind their investment 9
Parameters which the! consider before investment1
o know the #nvestment Pattern of #nvestors in >aranasi )it!8heir ann$al #nvestment amo$nt 9 #nvestment Period:1
RESEACH METHODOLOGY
+ignificance of st$d! = - he st$d! signifies a s$rve! onAwareness Of ,A;A; )AP#A* *##@D 9 #nvestment Pattern of
Peo&le of >aranasi )it!1
+AP*@ 0#4=- #nvestors residing in >aranasi )it!1
+am&le +iBe= - he sam&le siBe taken to cond$ct the s$rve! wasC// in n$mbers1
+election of st$d! area= - he s$rve! has been carried o$t in>aranasi )it!1
Data )ollection ethod= - he collected data is &rimar! innat$re1 i1e1 the first hand data as there is a better sco&e of
getting re$ired information and also it is in the form that we want1
(or the &$r&ose of collecting data $estionnaire method was
ado&ted1
C1 )losed @nded E$estions
Dichotomo$s E$estions
$lti&le )hoice E$estion
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21 O&en - @nded E$estion
+am&ling 4echni3$e= - +ince the siBe of the $niverse is $itelarge so relativel! small gro$& of individ$als from the $niverse is
selected which is also good eno$gh to re&resent the entire $niverse1#n m! s$rve! re&ort # followed the non-&robabilistic
)O0>@0#@0)@ +am&ling 9 +#P*@ RA0DO +am&ling as the
selection was done according to the researcher convenience and
each and ever! element of $niverse was not given e$al chance of
being selected in sam&le1
eas$rement 9 +caling 4echni3$es +am&ling= - # have $sed+$mmated +cales 8or *ikertt!&e scales: for knowing the satisfaction
level of cons$mers1
Research Design= - o know abo$t the &resent condition andstat$s regarding &artic$lar item or gro$& of items descri&tive
research is cond$cted1 he descri&tive research is descri&tion of the
state of affairs as it e.ists at &resent1
As the res$lt we were re$ired in anal!tical form1 he s$rve! was
cond$cted $sing $estionnaire method1 ,! $sing this method we fo$nd
the &resent sit$ation and the findings and its anal!sis is described in
the f$rther &arts1
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I!T%OD'CTIO!
HERE YOU HAVE TO GIVE DETAILED INFORMATINS ABOUT BABAJ CAPITAL FROM ITSWEBSITE..
REPORT ME JAHA-JAHA ************ HE WAHA APANE HISAB SE CHANGES KAR LENA AUR PURA
RAPORT PAD KE DEKH LENA KI SAB OK HE YA KAHI, JESE SPELIG MISTAKES HE YA NAHI.
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1) Do you know about Bajaj Capital?
Yes No
INTERPRETATION:
'4F Res&ondents o$t of C// Res&ondents know abo$t ,ajaj )a&ital1 #t means
that most of the res&ondents are aware of ,ajaj )a&ital1
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a) If yes, how do you come to know about Bajaj Capital?
News Paper Banners MagazinesTelevision t!ers " #a$io% C&s et'()
INTERPRETATION:
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ost of the res&ondents know abo$t ,ajaj )a&ital thro$gh 0ews Pa&er (ollowed
b! elevision 9 ,anners1
2) Which o t!e ollowing Pro$u'ts provi$e$ by Bajaj Capitalyou are aware o?
Co*pany +i,e$ Deposit Co*pany Bon$ Life Insuance !oducts -eneral .nsuran'e !ension "chemes Mutual +un$s
!ost #ffice $eposits Ta, /aving /'!e*es .nitial Publi' ers
INTERPRETATION:
#n investors awareness regarding &rod$cts &rovided b! ,ajaj )a&ital *ife
#ns$rance Prod$cts stands at Cst &osition followed b! $t$al ($nds )om&anies
(i.ed De&osit 9 eneral #ns$rance1 )om&anies ,onds 9 a. +aving +chemes
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stand jointl! at 5th &osition1 Pension +chemes #PO8s: 9 Post office de&osits
stands at 'th %th 9 th &osition res&ectivel!1
0ote= Res&onses of '4 Res&ondents 8those who know abo$t ,ajaj )a&ital: have
been considered for the above E$estion1
%) Which o t!e ollowing /ervi'es provi$e$ by Bajaj Capital you areaware o?
+inan'ial Planning Portolio Manage*ent Insta alet "e&ices +ree Money Multiplying Magazine to 'lient
INTERPRETATION:
ost of the res&ondents know abo$t the G(inancial PlanningH +ervices Provided
b! ,ajaj )a&ital (ollowed b! +ervices *ike Portfolio anagement #ntra Alert
services 9 (ree (inancial agaBine1
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0ote= Res&onses of '4 Res&ondents 8those who know abo$t ,ajaj )a&ital: have
been considered for the above E$estion1
') $o you (now whee the Banch of Bajaj Capital is located in
aanasi City?
Yes No
Yes No0 12
INTERPRETATION:
"/ 8%CF: Res&ondents o$t '4 Res&ondents 8who know abo$t ,ajaj )a&ital: know
abo$t the location of the branch of ,ajaj )a&ital in >aranasi )it!1 +o it can be
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said that most of the res&ondents know abo$t the location of the ,ranches of
,ajaj )a&ital in >aranasi )it!1
0ote= Res&onses of '4 Res&ondents 8those who know abo$t ,ajaj )a&ital: hasbeen considered for the above E$estion1
3) 4ave you .nveste$ t!roug! Bajaj Capital?
Yes No
#&eall In&estos
Included in "u&ey
*espondents who (now
about Bajaj Capital
*espondents who know
about the location+s) of
Banches of Bajaj
Capital in aanasi
otal .. /' 0.
*espondents who ha&e
in&ested thou1h Bajaj
Capital
2' 2' 2'
!ecenta1e of
*espondents, in&ested
thou1h Bajaj Capital
2' %2 '.
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INTERPRETATION:
Onl! 4/F Res&ondents o$t of "/ Res&ondents who know the location of branchof ,ajaj )a&ital in >aranasi have invested thro$gh ,ajaj )a&ital1 #t shows that
,ajaj )a&ital needs to strengthen its c$stomers ,ase1
a) 4ow $o you rate t!e or*alities ulille$ by you w!ile investingt!roug! Bajaj Capital?
3i1hly $issatisfactoy $issatisfactoy 4ai /atisfactoy 4ig!ly /atisfactoy
INTERPRETATION:
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2/ 8%3F: Res&ondents o$t of 24 Res&ondents are satisfied with the formalities
re$irement of ,ajaj )a&ital1 +o it can be said that ost of the res&ondents
are satisfied with the formalities re$irement of ,ajaj )a&ital for +elling a
(inancial Prod$ct1
b) 3ow do you ate the 5o+s) 6 Location+s) of Banches of Bajaj
Capital in aanasi?
3i1hly $issatisfactoy $issatisfactoy 4ai /atisfactoy 4ig!ly /atisfactoy
INTERPRETATION:
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Onl! 83'F: Res&ondents o$t of 24 are satisfied with the 0o8s: 9 location8s:
of ,ranches of ,ajaj )a&ital in >aranasi )it! 9 remaining C5 Res&ondents are
not satisfied with it1 #t means that ,ajaj )a&ital needs to increase the 0$mber
of its branches in >aranasi )it!1
') 4ow $o you rate t!e C!arges applie$ by Bajaj Capital wit!respe't to its servi'es?
3i1hly $issatisfactoy $issatisfactoy 4ai /atisfactoy 4ig!ly /atisfactoy
INTERPRETATION:
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C5 8"2F: Res&ondents o$t of 24 have said that )harges a&&lied b! ,ajaj )a&ital
against their +ervices are nominal whereas Res&ondents are dissatisfied with
the )harges a&&lied b! ,ajaj )a&ital1 +o it can be said that )harges a&&lied b!
,ajaj )a&ital are (air as its &eo&le general tendenc! that the! don?t like to &a!
charges1
d) 3ow do you ate the Custome Cae se&ices !o&ided by BajajCapital?
3i1hly $issatisfactoy $issatisfactoy 4ai /atisfactoy 4ig!ly /atisfactoy
INTERPRETATION:
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C 8'F: o$t of Res&ondents o$t of 24 Res&ondents are +atisfied with the
)$stomer )are +ervices of ,ajaj )a&ital1 Onl! 5 Res&ondents O$t of 24
Res&ondents are dissatisfied with the )$stomer )are +ervices of ,ajaj )a&ital1
+o it can be said that most of the Res&ondents are satisfied with the +ervices
&rovided b! )$stomer )are nit of ,ajaj )a&ital1
e) What is you #&eall "atisfaction *e1adin1 Bajaj Capital?
3i1hly $issatisfactoy $issatisfactoy 4ai /atisfactoy 4ig!ly /atisfactoy
INTERPRETATION:
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%3F Res&ondents 82/ o$t of 24 Res&ondents: are +atisfied with the over all
services 9 &erformance of ,ajaj )a&ital1 Onl! C'F are dissatisfied with ,ajaj
)a&ital1
0) Whee you ha&e in&ested you 7oney?
7utual 4unds 4i8ed $eposit "tock 7aket 5ie .nsuran'e &ny t!er666
INTERPRETATION:
ost of the Res&ondents have invested their mone! in *ife #ns$rance followed
b! fi.ed de&osit 9 $t$al ($nd1 Onl! C% F Res&ondents
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shows that ost of the #nvestors in >aranasi )it! are Risk Averse not Risk
akers1
/) !lease *ank the followin1 paametes which you conside befoe in&estin1?
a8 "a&in1 Life Co&e Li9uidity #eturn Low *isk
INTERPRETATION:
ost of the Res&ondents consider G*ife )overH ,efore investment (ollowed b!
GRet$rnH1 Parameters like G*ow RiskH Ga. +avingH 9 G*i$idit!H +tands at 3rd
4th 9 5th &ositions regarding investors? consideration before #nvestment1 #t again
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shows that most of the investors in >aranasi )it! are Risk Averse not Risk
takers1
5#:; In the analysis of abo&e 9uestion I ha&e 1i&en points to the *ankin1 !ositions as 4ollowin1;-
*ank < . points *ank 2< = points *ank %< 0 points *ank '< ' points *ank >< 2 points
=) What ae you #bjecti&e+s) behind you In&estment?
+!lease ick)
a8 "a&in1 4utue !o&ision Life Co&e Li9uidity #eturn &ny t!er666
INTERPRETATION:
ost of the Res&ondents have said that Glife )overH is their Prime Objective
behind their #nvestment followed b! GRet$rnsH 9 G($t$re ProvisionsH1 Ga.
+avingH G*i$idit!H 9 GOther ObjectivesH +tands at 4th 5th 9 "th &ositions
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res&ectivel!1 #t again shows that most of the investors in >aranasi )it! are Risk
Averse not Risk takers1
7) 4ow you !ave investe$?
T!roug! &gents hou1h d&isoy Companies By @ouself
INTERPRETATION:
3%F of Res&ondents have invested thro$gh Agents 8basicall! #ns$rance Agents:
while 32F have invested b! themselves 8basicall! invested in stock market 9 in
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fi.ed De&osits:1 Onl! 3/F Res&ondents have #nvested thro$gh Advisor!
)om&anies1
1) 8!at a*ount $o you invest annually?
Less han 2>,... 2>,... ->.,... >.,...-,..,... ,..,...-,>.,... 7oe han ,>.,...
INTERPRETATION:
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52F Res&ondents invest less than 25/// ann$all! followed b! 2 F Res&ondents
who invest within the range of 25///-5////1Onl! CF Res&ondents $se to
invest more than 5//// ann$all!1 his shows that most of the investors in
>aranasi )it! are +mall #nvestors1
) 4o what time peiod you in&est?
Less than 0 7onths 0 7onths- @ea -> yeas >-. yeas 7oe than . yeas
INTERPRETATION:
3%F Res&ondents have invested their mone! for C-5 Iears followed b! 24F
Res&ondents who have invested their mone! for 5-C/ !ears1 hese investors
have invested their mone! basicall! in *ife #ns$rance 8*#P Prod$cts: 9 fi.ed
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De&osits1 2/F Res&ondents have invested their mone! for less than C !ear1
hese investors have invested their mone! basicall! in +tock market1 Onl! C%F
Res&ondents have invested their mone! for more than C/ !ears1 hese investors
have invested their mone! basicall! in *ife #ns$rance 8raditional Prod$cts: 9
Real @state1#t shows that most of the investors in >aranasi )it! are edi$m erm 9 *ong
erm #nvestors1
A!AL("I" O TE I!DI!)"
'4F Res&ondents o$t of C// Res&ondents know abo$t ,ajaj )a&ital1 #t
means that most of the res&ondents are aware of ,ajaj )a&ital1
ost of the res&ondents know abo$t ,ajaj )a&ital thro$gh 0ews Pa&er
(ollowed b! elevision 9 ,anners1
#n investors awareness regarding &rod$cts &rovided b! ,ajaj )a&ital *ife
#ns$rance Prod$cts stands at Cst &osition followed b! $t$al ($nds
)om&anies (i.ed De&osit 9 eneral #ns$rance1 )om&anies ,onds 9 a.
+aving +chemes stand jointl! at 5th &osition1 Pension +chemes #PO8s: 9
Post office de&osits stands at 'th %th 9 th &osition res&ectivel!1
ost of the res&ondents know abo$t the G(inancial PlanningH +ervices
Provided b! ,ajaj )a&ital (ollowed b! +ervices *ike Portfolio
anagement #ntra Alert services 9 (ree (inancial agaBine1
"/ 8%CF: Res&ondents o$t '4 Res&ondents 8who know abo$t ,ajaj )a&ital:
know abo$t the location of the branch of ,ajaj )a&ital in >aranasi )it!1
+o it can be said that most of the res&ondents know abo$t the location of
the ,ranches of ,ajaj )a&ital in >aranasi )it!1
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A!AL("I" O TE I!DI!)"
Onl! 4/F Res&ondents o$t of "/ Res&ondents who know the location of
branch of ,ajaj )a&ital in >aranasi have invested thro$gh ,ajaj )a&ital1
#t shows that ,ajaj )a&ital needs to strengthen its c$stomers ,ase1
2/ 8%3F: Res&ondents o$t of 24 Res&ondents are satisfied with the
formalities re$irement of ,ajaj )a&ital1 +o it can be said that ost of
the res&ondents are satisfied with the formalities re$irement of ,ajaj
)a&ital for +elling a (inancial Prod$ct1
Onl! 83'F: Res&ondents o$t of 24 are satisfied with the 0o8s: 9
location8s: of ,ranches of ,ajaj )a&ital in >aranasi )it! 9 remaining C5
Res&ondents are not satisfied with it1 #t means that ,ajaj )a&ital needs
to increase the 0$mber of its branches in >aranasi )it!1
C5 8"2F: Res&ondents o$t of 24 have said that )harges a&&lied b! ,ajaj
)a&ital against their +ervices are nominal whereas Res&ondents are
dissatisfied with the )harges a&&lied b! ,ajaj )a&ital1 +o it can be said
that )harges a&&lied b! ,ajaj )a&ital are (air as its &eo&le general
tendenc! that the! don?t like to &a! charges1
C 8'F: o$t of Res&ondents o$t of 24 Res&ondents are +atisfied with
the )$stomer )are +ervices of ,ajaj )a&ital1 Onl! 5 Res&ondents O$t of24 Res&ondents are dissatisfied with the )$stomer )are +ervices of ,ajaj
)a&ital1 +o it can be said that most of the Res&ondents are satisfied with
the +ervices &rovided b! )$stomer )are nit of ,ajaj )a&ital1
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A!AL("I" O TE I!DI!)"
%3F Res&ondents 82/ o$t of 24 Res&ondents: are +atisfied with the over
all services 9 &erformance of ,ajaj )a&ital1 Onl! C'F are dissatisfied
with ,ajaj )a&ital1
ost of the Res&ondents have invested their mone! in *ife #ns$rance
followed b! fi.ed de&osit 9 $t$al ($nd1 Onl! C% F Res&ondents aranasi )it!
are Risk Averse not Risk akers1
ost of the Res&ondents consider G*ife )overH ,efore investment (ollowed
b! GRet$rnH1 Parameters like G*ow RiskH Ga. +avingH 9 G*i$idit!H
+tands at 3rd 4th 9 5th &ositions regarding investors? consideration before#nvestment1 #t again shows that most of the investors in >aranasi )it!
are Risk Averse not Risk takers1
ost of the Res&ondents have said that Glife )overH is their Prime
Objective behind their #nvestment followed b! GRet$rnsH 9 G($t$re
ProvisionsH1 Ga. +avingH G*i$idit!H 9 GOther ObjectivesH +tands at 4th
5th 9 "th &ositions res&ectivel!1 #t again shows that most of the investors
in >aranasi )it! are Risk Averse not Risk takers1
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A!AL("I" O TE I!DI!)"
3%F of Res&ondents have invested thro$gh Agents 8basicall! #ns$rance
Agents: while 32F have invested b! themselves 8basicall! invested in stock
market 9 in fi.ed De&osits:1 Onl! 3/F Res&ondents have #nvested thro$gh
Advisor! )om&anies1
52F Res&ondents invest less than 25/// ann$all! followed b! 2 F
Res&ondents who invest within the range of 25///-5////1Onl! CF
Res&ondents $se to invest more than 5//// ann$all!1 his shows that
most of the investors in >aranasi )it! are +mall #nvestors1
3%F Res&ondents have invested their mone! for C-5 Iears followed b!24F Res&ondents who have invested their mone! for 5-C/ !ears1 hese
investors have invested their mone! basicall! in *ife #ns$rance 8*#P
Prod$cts: 9 fi.ed De&osits1 2/F Res&ondents have invested their mone!
for less than C !ear1 hese investors have invested their mone! basicall!
in +tock market1 Onl! C%F Res&ondents have invested their mone! for
more than C/ !ears1 hese investors have invested their mone! basicall!
in *ife #ns$rance 8raditional Prod$cts: 9 Real @state1#t shows that most
of the investors in >aranasi )it! are edi$m erm 9 *ong erm
#nvestors1
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CONCLUSION
"W# nalysis #4 BAA C!IL
******* dp moadify it if u think there can be some chages********
"*:53" W:(5:"":"
• ery !trong "rand #mage
• $o% &harges'
• (e)) diersification of products
+e,' $ife insurance products of
different companies- .utua)funds- deposits etc'/
• ery ood &ustomer &are nit'
• n)y ne branch in aranasi
&ity'
• (eak dertisement o)icies'
• ****************ie some
%eakness according to ur perception'
#!!#*5II:" 3*:"
• $arge ntapped .arket'
• pportunity to educate inestors
about their products inspire them
to inest more encourage others'
•
ood pportunity to &ash its "rand#mage and eop)e rust'
• resence of ery strong competitors
$ike *gie name+s/ of some
competitors name''**'
• ggressie marketing by competitors'
•
arious inestment !chemes %ith highreturns'
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CONCLUSION ost of the res&ondents are aware of ,ajaj )a&ital 9 the! know abo$t ,ajaj
)a&ital mainl! thro$gh 0ews Pa&er elevision 9 ,anners1 ost of them know
abo$t the location of the ,ranches of ,ajaj )a&ital in >aranasi )it!1
ost of the res&ondents are aware that ,ajaj )a&ital &rovides *ife #ns$rance
Prod$cts 9 $t$al ($nds1 (ew Res&ondents know that ,ajaj )a&ital &rovides
)om&anies (i.ed De&osit 9 eneral #ns$rance 9 >er! few #nvestors know that
,ajaj )a&ital also &rovides )om&anies ,onds a. +aving +chemes Pension
+chemes #PO8s: 9 Post office de&osits1
ost of the res&ondents know that ,ajaj )a&ital &rovides +ervices like (inancialPlanning 9 Portfolio anagement 9 ver! few are aware that it also &rovides
services like #ntra Alert services 9 (ree (inancial agaBine1 Onl! 4/F Res&ondents o$t of "/ Res&ondents who know the location of branch of
,ajaj )a&ital in >aranasi 824F of investors o$t of C// Res&ondents: have
invested thro$gh ,ajaj )a&ital1 ost of the res&ondents are satisfied with the
formalities re$irement of ,ajaj )a&ital 9 +ervices &rovided b! its )$stomer
)are nit1 +ome )$stomers are not satisfied with the charges a&&lied b! ,ajaj
)a&ital1 ost of the c$stomers are dissatisfied with the 0o8s: 9 locations of
,ranchJ,ranches of ,ajaj )a&ital1 %3F c$stomers of ,ajaj )a&ital are +atisfied
with the overall +ervices 9 &erformance of ,ajaj )a&ital1 ost of the Res&ondents have invested their mone! in *ife #ns$rance (i.ed
De&osits 9 $t$al ($nds1 Onl! C% F Res&ondents have invested in +tock arket1
he! consider mostl! *ife )over as a &arameters before investing followed b!
Ret$rn *ow Risk a. +aving 9 *i$idit!1 heir Prime Objective behind their
investment is life )over followed b! Ret$rns ($t$re Provisions a. +aving
*i$idit! 9 some Other Objectives1 his shows that ost of the #nvestors in
>aranasi )it! are Risk Averse not Risk akers1
3%F of Res&ondents have invested thro$gh Agents 32F have invested b!
themselves 9 3/F have #nvested thro$gh Advisor! )om&anies1 %CF investors $se
to invest less than 5//// ann$all!1 his shows that most of the investors in>aranasi )it! are +mall #nvestors1
3%F Res&ondents have invested their mone! for C-5 Iears followed b! 24F
Res&ondents who have invested their mone! for 5-C/ !ears1 C%F Res&ondents
have invested their mone! for more than C/ !ears 9 onl! 2/F Res&ondents have
invested their mone! for less than C !ear1 #t shows that most of the investors
in >aranasi )it! are edi$m erm 9 *ong erm #nvestors1
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LIMITATIO!" O TE "T'D(
C here are some small errors 8in decimals: beca$se of Ro$nding
Off1
2 he major diffic$lt! was of lang$age &roblem1 As the
$estionnaire was in @nglish so &eo&le were not interested infilling it1 # had to s&ell o$t the meaning of Kwhat is the $estion
abo$t?1
3 (ew &eo&le did not have the time to fill $& or answer the
E$estionnaire1
4 Peo&le were also not giving the e.act information like their
monthl! income age and s$ggestion etc1
5 (ew &eo&le were not res&onding as we e.&ect from them and the!
were reacting for the s$rve! is cond$cted for false &$r&ose1
" he! asked for some favor for filling the $estionnaire1
' As the time was less for cond$cting the s$rve! so the s$rve!
co$ld not be cond$cted in a large area1
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"'))E"TIO!"ood elationships ae pi&otal to business successD With this o1aniEational objecti&e BAAC!IL should ty to maintain a fine balance between hi1h le&el of custome satisfaction
and the 9uality of se&ice po&ided by them but it lacks in some senseD hese ae the
followin1 su11estions that should be taken cae of while up1adin1 the 9uality of se&ice by
which they can be able to penetate moe customesD
Suggestions and Recommendations:
1 " &#$ has ery good "rand #mage and peop)es faith +because of
"/' #t shou)d uti)ie it in a better %ay to capture more market' here is a
)arge untapped urban market in aranasi' hey shou)d take initiaties to capture
it'
2 .ost of the #nestors in aranasi &ity are !ma)) :isk erse #nestors they
genera))y inest for $ong term .edium $ong erm' !o " &#$
shou)d inc)ude more such roducts- %hich %i)) satisfy their needs in their
roduct )ine'
3 " &#$ rea))y needs to increase its ;umber of "ranches as it has on)y
ne branch in aranasi &ity'
4 " &#$ ;
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BIBLIOGRAPHY
BOOKS:
*eseach 7ethodolo1y +7ethods and echni9ues) F CD *D (#3*I
7ethodolo1y of eseach in social sciences F (ishna swami
Chuchill 6 Bown, Basic 7aketin1 *eseach, homas !ublications
>th edition
"tatistical 7ethod - "D!D !
Websites :
GGGGG 1i&e the official website of BAA C!IL 6 some othe
financial website fom whee u will take the mateial fo intoduction
patGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGGG
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(UESTIONNAIRE
SUB)ECT: Awareness Of ,A;A; )AP#A* *##@D 9 #nvestmentPattern Of Peo&le Of >aranasi )it!1
Dear Sir/Madam,
I, student of PGDBM course of
conducting a field survey on people awareness regarding Bajaj Capital
imited ! t"eir Investment pattern in #aranasi City$
%"is survey is a part of my partial fulfillment of PGDBM
course$ Please provide relevant information &y filling t"e 'uestionnaire to
ma(e my survey more compre"ensive$ )ll details from your part will not &e
disclosed$ Do not leave any item$
PE%"O!AL DETAIL" *O%
CO!"'ME%"+$
!AME $ ,,,,,,,,,,,,,,,..
A)E $ ,,,,,,,,,,,,,,,..
ADD%E"" $ ,,,,,,,,,,,,,,,..
CO!TACT !O $ ,,,,,,,,,,,,,,
OCC'PATIO!$ ,,,,,,,,,,,,,,,,
"ALA%($ ,,,,,,,,,,,,,,,,.
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SIGNATURE. DATE:
1) Do you 9now about Bajaj Capital? Yes No
a) If yes, how do you come to know about Bajaj Capital?
News Paper Banners MagazinesTelevision t!ers " #a$io% C&s et'()
2) Which o t!e ollowing Pro$u'ts provi$e$ by Bajaj Capital you are aware o? Co*pany +i,e$ Deposit Co*pany Bon$ Life Insuance !oducts
-eneral .nsuran'e !ension "chemes Mutual +un$s!ost #ffice $eposits Ta, /aving /'!e*es .nitial Publi' ers
%) Which o t!e ollowing /ervi'es provi$e$ by Bajaj Capital you are aware o? +inan'ial Planning Portolio Manage*ent Insta alet "e&ices
+ree Money Multiplying Magazine to 'lient
') $o you (now whee the Banch of Bajaj Capital is located in aanasi City?
Yes No
3) 4ave you .nveste$ t!roug! Bajaj Capital? Yes No
a) 4ow $o you rate t!e or*alities ulille$ by you w!ile investing t!roug! Bajaj Capital? 3i1hly $issatisfactoy $issatisfactoy 4ai /atisfactoy 4ig!ly /atisfactoy
b) 3ow do you ate the 5o+s) 6 Locations of Banches of Bajaj Capital in aanasi?
3i1hly $issatisfactoy $issatisfactoy 4ai /atisfactoy 4ig!ly /atisfactoy
') 4ow $o you rate t!e C!arges applie$ by Bajaj Capital wit! respe't to its servi'es? 3i1hly $issatisfactoy $issatisfactoy 4ai /atisfactoy 4ig!ly /atisfactoy
d) 3ow do you ate the Custome Cae se&ices !o&ided by Bajaj Capital?
3i1hly $issatisfactoy $issatisfactoy 4ai /atisfactoy 4ig!ly /atisfactoy
e) What is you #&eall "atisfaction *e1adin1 Bajaj Capital?
3i1hly $issatisfactoy $issatisfactoy 4ai /atisfactoy 4ig!ly /atisfactoy
0) Whee you ha&e in&ested you 7oney?
7utual 4unds 4i8ed $eposit "tock 7aket 5ie .nsuran'e &ny t!er666
/) !lease *ank the followin1 paametes which you conside befoe in&estin1?
a8 "a&in1 Life Co&e Li9uidity #eturn Low *isk
=) What ae you #bjecti&e+s) behind you In&estment? +!lease ick)
a8 "a&in1 4utue !o&ision Life Co&e Li9uidity #eturn &ny t!er666
7) 4ow you !ave investe$? T!roug! &gents hou1h d&isoy Companies By @ouself
1) 8!at a*ount $o you invest annually? Less han 2>,... 2>,... ->.,... >.,...-,..,... ,..,...-,>.,... 7oe han ,>.,...
) 4o what time peiod you in&est?
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Less than 0 7onths 0 7onths- @ea -> yeas >-. yeas 7oe than . yeas