hdfcslic share in market
TRANSCRIPT
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SUMMER TRAINING PROJECT ON
“To study the awareness of life insurane in !areilly ity"
SU!MITTE# TO$% #r&
SU!MITTE# !'$%
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AC(NO)*E#GMENT
I am thankful to our Training and Placement Officer Mr. Santosh Sir who arrange
my Summer Training in HDFS!I "areilly.
I am also thankful to Mr. #i$un %ohri &Sr. 'ssociate( HDFS!I "areilly who
guides me in the $eriod of training and $re$are for industry. I am also thankful to
all the staff of HDFS!I "areilly who hel$s me at each and e)ery le)el.
I am also thankful to my institution *.P.T.*+ !ucknow to hel$ me in attaining the
o$$ortunity to learn the $ractical as$ects of my curriculum through this Industrial,
Training $rogram.
I am also sincerely thankful to our Dean Prof. Padam sir and all my faculty
mem-ers who contri-uted in my de)elo$ment through their diligent efforts andmake me ca$a-le and confident enough to understand the industrial en)ironment
and s$ecially Mr. #i$ur Sir who guide me to $re$aring my training re$ort.
't last I am also thankful to $eo$le of "areilly who are directly or indirectly hel$s
me at e)ery stage during the training.
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P/'SH'#T 0'D'
M"' &Mkt( &2rd( Semester
PRE+ACE
This research re$ort is conduct to know the awareness of life insurance in
"areilly city. This re$ort is di)ided in two $arts that is Part 1 and Part
In Part 1 includes com$any $rofile. That is a-out the HDF grou$+ Standard !ife
and -rief information a-out the HDFS!I. in HDFS!I+ I ha)e told a-out the
com$any $ortfolio+ -alance sheet and $roducts of the com$any.
In $art it includes the main $art of research study. In this $art all the data are
collected from the sur)ey. 3ith the hel$ of sur)ey+ I want to sol)e the research
$ro-lem.
This re$ort is hel$ for all the em$loyees and $eo$le who are related to the
HDFS!I. This re$ort is also hel$ for the research scholar to understand the life
insurance characteristics in "areilly city.
P/'SH'#T 0'D'
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M"' &2/D S4M.(
CONTENTS To,i ,a-e no&
.& A/nowled-e0ent 1
2& A3out 4#+CS*IC 5
1& Its ,arenta-e 6%7
8& Its 9ision and 9alues :5& !rief o9er9iew a3out industry ;%.6
6& Insurane%the 3asis .7%.:
7& So,e of Insurane .;
:& O3
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..& Proess 12
.2& Result 11
.1& Analysis 18
.8& Reo00endations 15
.5& Referenes 16
.6& A,,endi> . 17%1:
.7& A,,endi> 2 1;%8=
.:& A,,endi> 1 8.
.;& A,,endi> 8 82
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A!OUT 4#+CS*IC *td&
HDF Standard !ife Insurance om$any !td. is one of India8s leading $ri)ate
insurance com$anies+ which offers a range of indi)idual and grou$ insurance
solutions. It is a 9oint )enture -etween Housing De)elo$ment Finance or$oration
!imited &HDF !td.(+ India8s leading housing finance institution and a :rou$
om$any of the Standard !ife+ *;
The HDF and Standard life first together for a $ossi-le 9oint )enture+ to
enter the !ife Insurance market+ in %anuary11.5+
while Standard !ife own 1>.7.
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!anassurane Partners of 4#+CS*IC *td&
4#+C
4#+C !an/
Union !an/ of India
Indian !an/
Saraswat !an/
!a
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4#+CS*IS?S /ey stren-ths
+inanial E>,ertise
's a 9oint )enture of leading financial ser)ices grou$s+ HDF Standard !ife has
the financial e?$ertise reBuired to manage your long,term in)estments safely and
efficiently.
Ran-e of solutions
3e ha)e a range of indi)idual and grou$ solutions+ which can -e easily customiCedto s$ecific needs. Our grou$ solutions ha)e -een designed to offer you com$lete
fle?i-ility com-ined with a low charging structure.
Tra/ Reord so far
Our cumulati)e $remium income+ including the first year $remiums and renewal
$remiums is /s. 162.1 rores '$r,Mar @@6 , @7.
3e ha)e co)ered o)er 1.7 million indi)iduals out of which o)er 6+ @@+@@@
li)es ha)e -een co)ered through our grou$ -usiness tie,u$s.
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4#+C *i0ited
HDF is Indias leading housing finance institution and has hel$ed -uild more
than 2+ @@+@@@ houses since its incor$oration in 1
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A3out the -rou, o0,anies of 4#+C
4#+C
4#+C !an/
4#+C Mutual +unds
4#+C Seurities
4#+C realty&o0
Intelnet
Credit Infor0ation !ureau @India *i0ited
4#+C Chu33 General Insurane Co0,any *i0ited
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Standard *ife Grou, @Standard *ife ,l and its su3sidiaries
1( The Standard !ife grou$ has -een looking after the financial needs of customers
for o)er 1>@ years
( It currently has a customer -ase of around A million $eo$le who rely on the
com$any for their insurance+ $ension+ in)estment+ -anking and health,care needs
2( Its in)estment manager currently administers 16 -illion in assets
5( It is a leading $ensions $ro)ider in the *;+ and is rated -y Standard G Poor8s as
8strong8 with a rating of ' and as 8good8 with a rating of '1 -y Moody8s
6( Standard !ife was awarded the 8"est Pension Pro)ider8 in @@5+ @@6 and @@7
at the Money Marketing 'wards+ and it was )oted a 6 star life and $ensions
$ro)ider at the Financial 'd)iser Ser)ice 'wards for the last 1@ years running.
The 86 Star8 accolade has also -een awarded to Standard !ife In)estments for the
last 1@ years+ and to Standard !ife "ank since its ince$tion in 1
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Bision of 4#+CS*IC *td&
8The most successful and admired life insurance com$any+ which means that we are
the most trusted com$any+ the easiest to deal with+ offer the -est )alue for money+
and set the standards in the industry8.
The most o-)ious choice for all8.
Mission statement of HDFCSLIC Ltd .
The company is aim to be the top new life insurance company in the
market. This does not just mean being the largest or the most productive
company in the market, rather it is a combination of several things like:-
• Customer services of the highest order.
• Value for money for customer.
• Professionalism in carrying out business.
• Innovative roducts to cater to different needs of different
customer.• !se of technology to imrove service standard.
• Increasing mar"et share.
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#$%&'IS&(I#' S($!C(!$) #F HDFCSLIC
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Hierarchy of sales in HDFCSLIC *areilly *ranch
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Future Plans of HDFCSLIC Ltd.
• (o enhance sales by increasing the number of Financial
Consultant and Cororate agents.
.
• (he comany is lanning to decentrali+e its !nder,riting facility.
• (o increase the *ranches to - across (he India in ucoming
year that is /0
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Balues of 4#+CS*IC
Balues that they o3ser9e while they wor/$
• Integrity
• Inno)ation
• ustomer centric
• Peo$le are One for all and all for oneJ
• Team work
• %oy and Sim$licity
Aolades and Reo-nition
/ated -y 8"usiness world8 as 8India8s Most /es$ected Pri)ate !ife Insurance
om$any8 in @@5
/ated as the K"est #ew Insurer , @@2K -y Outlook Money magaCine+ Indias
num-er 1 $ersonal finance magaCine
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!rief o9er9iew of indian insurane industry
Other Insurane o0,anies in india
')i)a
"a9a9 allianC
"irla sun life
Icici $ru
Ing )ysya
!ife insurance cor$oration
Ma? new york life
Melife india
Om kotak mahindra
/eliance life insurance
S"I life insurance
Tata 'I:
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ABIBA
The 'I' !ife Insurance com$any is 9oint )enture -etween Da-ur India and the
')i)a *;. Da-ur is one of the Indias oldest and largest grou$ of com$anies with
consolidated 'nnual turno)er in e?cess of /s 1+26@ crores+countrys leading
$roducer of traditional Healthcare $roducts. ')i)a Plc is *;s largest and the
worlds fifth largest insurance grou$. It is one of the leading $ro)iders of life G
$ension $roducts to 4uro$e and has su-stantial -usiness eleswhere around the
world.
!a@@@ crore "a9a9 grou$ is the largest
manufacturer of two,wheelers and three,wheelers in India and one of the largest in
the world.
Allian
'llianC grou$ is insurers and financial ser)ice $ro)iders.Founded in 1>
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!irla sun life insurane o0,any *i0ited
"irla sun !ife Insurance is the coming together of the 'ditya "irla grou$ G Sun
!ife Financial of anada to enter the Indian insurance sector. The 'ditya "irla
:rou$+ a multinational conglomerate has o)er A6 -usiness units in India and
O)erseas with o$erations in anada+ *S+ *;+ Thailand+ Indonesia+ Phili$$ines+
Malaysia+ and 4gy$t
To name a few.
Foreign $artner
Sun life assurance+ sun life financials $rimary insurance -usiness+ has e?cellent
rating with the worlds to$ rating agencies. 3ith assets under management as on
Se$tem-er 2@+ @@@ totaling more than D# -illion+ it ranks amongst the largest
international financial ser)ice organiCations in the world.
ICICI Prudential *ife Insurane
III Prudential !ife insurance is a 9oint )enture -etween the III grou$ and
Prudential Plc+ of the *;. III standard off its o$eration in 1
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4sta-lished in 1>5>+ Prudential $lc. Of *.; has grown to -e the largest life
insurance and mutual fund om$any in *.;. Prudential $lc. Has had its $resence
in 'sia for the $ast A6 years catering to o)er 1 million customers across 11 'sian
countries.Prudential is the largest !ife Insurance om$any in the *nited
;ingdom.III and $rudential came together in 1
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*ife insurane or,oration of India @*IC
The !ife insurance or$oration was esta-lished a-out 55 years ago with a )iew
to $ro)ide an insurance co)er against )arious risks in life. ' monolith then+ the
cor$oration+ en9oyed a mono$oly status and -ecome synonymous with life
insurance.
Its main asset is its staff strength of 1.5 lakh em$loyed and +@5> -ranches and
O)er si?,lakh agency force.
!I has hundred di)isonal offices and has esta-lished e?tensi)e training facility
't all le)els. 't the a$e?+ is the Management De)elo$ment Institute+ se)en
Conal Training entre and 26 sales Training enters .
't the industry le)el+ along with the :o)ernment and the :I+ it has hel$ed
esta-lish the #ational Insurance 'cademy. It $resently transacts indi)idual !ife
Insurance -usiness+ grou$ Insurance -usiness+ social security schemes and
Pensions+ grants housing loans through its su-sidiary. 'nd the markets sa)ings and
In)estment $roducts through its mutual fund. It $ays off a-out /s 7+@@@ crore
'nnually to6.7 million $olicyholders
O0 /ota/ 0ahindra life insurane
4sta-lished in 16 as ;otak ca$ital management finance $romoted -y *day kotak
the com$any has come a long way since its entry into cor$orate finance. It has
da--led in leasing+ auto finance+ hire $urchase+ in)estment -anking+ consumer
finance+ -roking etc. The com$any got its name kotak mahindra as industrialists
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Harish and 'nand Mahindra $icked a stake in the com$any. ;otak Mahindra is
today one of Indias leading Financial institute.
O!D Mutual,
Old mutual $lc is an international Financial ser)ice grou$ in !ondon with
e?$anding o$erations in life assurance+ asset management+ -anking and general
insurance. O!D Mutual is listed on the !ondon Stock 4?change and also on the
south,'frican+ #ami-ian+ Malaawi+ and im-a-we stock e?changes. It has 167
years of e?$erience in life insurance -usiness.
OM ;otak Mahindra,
OM ;otak Mahindra is the coming together of ;otak Mahindra Finance !td .and
Old Mutual $lc to enter the Indian insurance arena to offer a wide rang of
inno)ati)e life insurance $roducts.
Reliane *ife Insurane$%
/eliance !ife Insurance om$any !td is a $art of /eliance a$ital !td. of the
/eliance N 'nil Dhiru-hai 'm-ani :rou$. /eliance a$ital is one of Indias
leading $ri)ate sector financial ser)ices
om$anies+ and ranks among the to$ 2 $ri)ate sector financial ser)ices and
-anking com$anies+ in terms of net worth. /eliance ca$ital has interests in asset
management and mutual funds+ stock -roking+ life and general insurance+
$ro$rietary in)estments+ $ri)ate eBuity and other acti)ities in financial ser)ices.
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/eliance a$ital !td is a #on,"anking Financial com$any "FT( registered with
the /eser)e "ank of India act under section 56,1'.
/eliance a$ital sees immense Potential in the ra$idly growing financial ser)ice
sector in India and aims to -ecome a dominant $layer in this Industry and offer
fully integrated financial ser)ices
/eliance !ife Insurance is another ste$ forward for /eliance a$ital !td to offer
need -ased !ife Insurance solution to indi)idual and cor$orate.
S!I *ife Insurane$%
S"I !ife Insurance om$any !td is a 9oint )enture -etween Indias largest -ank+
State "ank Of India
'nd ardif S.'. a leading !ife Insurance om$any in France.
State -ank of India is a household name+ and it stands as the last world for financial
strength and security in the country. S"Is illustries -ackground dates -ack to the
year 1>@7 when it started -usiness+ as a Presidency "ank+ known as "ank of
"engal. O)er the long 9ourney+ it has learnt to com-ine the -est of -anking
$ractices handed down from the im$erial management with the more Dynamic
ways of doing -anking in the modern India. It has grown as a res$onsi-le giant in
the -anking field o)er the years.
radif came into -eing in the year 1
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'nd more than *S 2 -illion of funds under its management. ardif has -een
s$ecialiCing in the art of selling insurance $roducts through
ommercial -ank in France and 2 other countries.
S"I !ife Insurance om$any !td is registered as a life Insurance om$any with
the Insurance /egulatory G De)elo$ment 'uthority of India and has -een issued
!icense num-er 111 on
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Insurane%the 3asis
)hat is life Insurane
!ife insurance is a contract for $ayment of money to the $erson assured &or to the
$erson entitled to recei)e the same( on the occurrence of the e)ent insured against.
*sually the contract $ro)ides for ,
Payment of an amount on the date of maturity or at s$ecified $eriodic inter)als or
at death+ if it occurs earlier.
$eriodical $ayment of insurance $remium -y the assured+ to the cor$oration who
$ro)ides the insurance.
)ho an 3uy a life insurane ,oliy
'ny $erson a-o)e 1> years of age+ who is eligi-le to enter into a )alid contract+
Su-9ect to certain conditions+ a $olicy can -e taken on the life of a s$ouse or
children.
)hat is a )hole *ife Poliy
3hen most $eo$le think of life insurance+ they think of a traditional whole life
$olicy. These are the sim$lest $olicies to understand 0ou $ay a fi?ed $remium
e)ery year -ased on your age and other factors+ you earn interest on the $olicy8s
cash )alue as the years roll -y+ and your -eneficiaries get a fi?ed -enefit after you
die. The $olicy takes you into old age for the same $remium you started out with.
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3hole life insurance $olicies are )alua-le -ecause they $ro)ide $ermanent
$rotection and accumulate cash )alues that can -e used for emergencies or to meet
s$ecific o-9ecti)es. The surrender )alue gi)es you an e?tra source of retirement
money if you need it.
)hat is an Endow0ent ,oliy
*nlike whole life+ an endowment life insurance $olicy is designed $rimarily to
$ro)ide a li)ing -enefit and only secondarily to $ro)ide life insurance $rotection.
Therefore+ it is more of an in)estment than a whole life $olicy. 4ndowment life
insurance $ays the face )alue of the $olicy either at the insured8s death or at a
certain age or after a num-er of years of $remium $ayment.
4ndowment life insurance is a method of accumulating ca$ital for a s$ecific
$ur$ose and $rotecting this sa)ings $rogram against the sa)er8s $remature death.
Many in)estors use endowment life insurance to fund antici$ated financial needs+
such as college education or retirement.
Premium for an endowment life $olicy is much higher than those for a whole life
$olicy.
)hat is a Money !a/ ,oliy
This is -asically an endowment $olicy for which a $art of the sum assured is $aid
to the $olicyholder in the form of sur)i)al -enefits+ at fi?ed inter)als+ -efore the
maturity date. The risk co)er on the life continues for the full sum assured e)en
after $ayment of sur)i)al -enefits and -onus is also calculated on the full sum
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assured. If the $olicyholder sur)i)es till the end of the $olicy term+ the sur)i)al
-enefits are deducted from the maturity )alue.
SCOPE O+ INSURANCE
)hy do one need *ife Insurane
!ife insurance is designed to $rotect you and your family against financial
uncertainties that may result due to unfortunate demise or illness. 0ou can also
)iew it as a com$rehensi)e financial instrument N as a $art of your financial
$lanning offering you sa)ings G in)estment facilities along with co)er againstfinancial loss. "y choosing the right $olicy as $er your needs i.e. customiCed
solutions+ you will -e a-le to $lan for a secure future for yourself and your lo)ed
ones.
Choosin- the ri-ht ,lan
Identifying the right $lan -asis your needs is the first crucial ste$ towards
insurance $lanning.
't HDF S! we hel$ you through this decision -y identifying your )arious needs
and offering $lans that are customiCed for you. 0ou may also choose a $lan for
yourself -y identifying the life stage you are at.
Analyin- Needs
The followin- needs of a ,erson an 3e fulfilled 3y insurane$%
Protetion
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#eed for a sound income $rotection in case of your unfortunate demise
In9est0ent
#eed to ensure long,term real growth of your money
Sa9in-
Sa)e for the milestones and $rotect your sa)ings too
Pension
#eed to sa)e for a comforta-le life $ost retirement
Once you ha)e analyCed your needs as $er a-o)e classification+ you need to then
ascertain im$ortant factors such as ty$e of co)er+ insurance amount as $er one8s
income+ life stage and de$endents
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S)OT Analysis of 4#+G S*IC
Stren-th
• o)ered )ast area
• High grade $roduct
• 4fficiency and effecti)e Management Information
• On,line $rogram control
• Im$ro)e customer orientation
)ea/ness
• #ot o$timum utiliCation of a)aila-le resource
• Promotion is not good
• The com$any can not cash the o$$ortunities
O,,ortunities
• ')aila-le of li)es and resource is sound
•
The literacy regarding life insurance is increase -y the go)ernmentcam$aign
Threats
• urrent $er ca$ital consum$tion of $olicies in India is far less+ then other
countries
•
High $ower tariff+ increasing $rices of administrating $roducts ha)e added tothe woes of domestic industry com$eting with a-road en9oying ad)antage of
economies of scale+ ad)anced technology+ low cost of finance+ chea$er
$ower tariff etc.
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O!JECTIBE
TO !44/':4 TH4 T/'I#44 /4SO*/4 FO/ /4/*ITM4#T OF F
'#D TH4/4"0 "44FI#: *P TH4 S'!4S FO/4.
'#D TO P/OID4 TH4 ESMT TH4 '!*'"!4 O#,%O" T/'I#I#: '#D
OPP*/T*#IT0 TO 4'/# 3HI!4 0O* !4'/# +3ITH STIP4#4D '#D
P4/FO/M'#4 "'S4D I#4#TI4S "0 4#H'#I#: TH4I/
OMM*#I'TIO#Q#4T3O/;I#:QS4!!I#: ;I!!S /4R*I/4D FO/ '#0
S'!4S /4!'T4D %O".
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The ,roduts of 4#+CS*IC
HDFS!I realiCe that not e)eryone has the same kind of needs. ;ee$ing this in
mind+ we ha)e a )aried range of $roducts that you can choose from to suit all you r
needs. These will hel$ secure your future of your family.
Protetion ,lans$%
• Ter0 Assurane Plan
• *oan Co9er Ter0 Assurane Plan
In9est0ent Plans
• Sin-le Pre0iu0 )hole Of *ife Plan
Pension Plan
• Personal Pension Plan
Sa9in- Plans
• Endow0ent Assurane Plan
• Money !a/ Plan
• Children?s Plan
• )o0en?s Plan
• Crest
• Sa0,oorn Sa0ridhi Plan
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Researh Methodolo-y
/esearch Design , Descri$ti)e
Sam$ling Design , on)enient Sam$ling
Sur)ey Period , 56 Days
Sam$le siCe , 1@@ /es$ondents
The study is -ased on Primary data and the sur)ey method has -een used for
collecting $rimary data through Buestionnaire.
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RESEARC4 MET4O*OG'
Fundamental to the success of any formal marking research $ro9ect is sound
research methodology. ' research design $urely and sim$ly the framework or $lan
for a study that guides the collection and analysis of the data.
Method of #ata Colletion $
The research was conducted using $rimary as a source of information and the
method ado$ted was 8sur)eying8. Sur)ey is the most commonly used of $rimary
data collection in market research. This widely used of its e?treme fle?i-ility.
Sur)ey research is a systematic gathering of data from res$ondents through
Buestionnaires. The $ur$ose research is to facilitate understanding or ena-le
$rediction of some as$ects of -eha)iors of the $o$ulation -eing sur)eyed. '
Buestionnaire is a formal list of Buestions to -e answered in the sur)ey.
The Buestionnaire formed contained direct Buestion+ which were -oth o$en,ended
and close,ended. 'mong close,ended Buestion+ again -oth dichotomous and
multi$le choice Buestions were used. The Buestions were framed kee$ing the
o-9ecti)e of research in mind and in such a way that they are a-le to e?tract the
reBuired information from the res$ondents.
O-ser)ation method was also used. In it+ the factors around the res$ondents wee
keenly o-ser)ed e.g. s$ace+ $otential for e?$ansion etc. They were noted down as
8comments8 which $ro)ed )ery useful while analyCing the data. .
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O!JECTIBE O+ RESEARC4
Toshi-a as $er its new marking strategy increase its $resence in all the segments
needs to generate a data-ase. 's soon as the data-ase is in $lace+ the strategy of
telemarketing will -e used to $ros$ect customers and there -y e?tend market share.
3ith this o-9ecti)e in mind a sur)ey was conducted in "areilly city. '
Buestionnaire was framed -y me who asked regarding their knowledge and a-out
the insurance industry. The idea was to generate information regarding the !ife
Insurance awareness in "areilly city.
MAIN O!JECTIBE$
To study the awareness of Life Insurance in Bareilly city and HDFCSLIC share
in market.
SU! O!JECTIBES$
The analysis has gi)en the following information
Segment wise $ros$ecti)e customers.
Preferred -uying o$tions.
To assess the satisfaction le)el of )arious !ife Insurance Plans.
SAMP*ING P*AN
The Sam$ling $lan was designed as follows
Sa0,lin- Unit Sam$ling *nits are those $eo$le who are a-o)e the age of
1> years+ they are -elonging to different in Income le)els that is -elow the
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/s.6@+@@@ /s.6@+@@@,1+@@+@@@ /s.1+@@+@@@,+@@+@@@ and more then /s.+@@+@@@
these income is yearly. #ow
• Sa0,le Sie$ The sam$le siCe of my data is 1@@. Peo$le are -elonging
to the different areas of ur-an "areilly.
• CO**ECTION O+ #ATA
The task of data collection -egins after a research $ro-lem has -een defined and
research design is chalked out. 3hile deciding a-out the method of data collection
to -e used for the study the researchers should kee$ in mind two ty$es of data i.e.
Primary and Secondary data.
The $rimary data are those which are collected afresh and for the first time+ and
thus ha$$en to -e original in character. The secondary data on other hand are those
which ha)e already -een collected -y someone else and which ha)e already -een
$assed through the statistical $rocess. The data used for the $resent research is
$rimary data. The different methods that are used for collecting $rimary data are as
follows
A Contat Method$
The 8contact method 8 considering the short coming was selected to $ersonal
inter)iew. This method -eing )ersatile was arranged inter)iewing as it made
concerned a$$roach to the res$ondent.
! O3ser9ation Method$
The $resent in)estigation was done on the -asis of making note of -eha)ior and
gestures of the target customers.
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C Fuestionnaire Method$
The method of data collection is Buite $o$ular and is -eing ado$ted -y researchers+
$ri)ate indi)iduals and organiCation.
# Shedule Method$
The method of data collection is )ery much like the collection of data through
Buestionnaire+ with little difference which lies in the fact that schedules are -eing
filled in -y the enumerates who are s$ecially a$$ointed for the $ur$ose+ these
enumerators go to the res$ondents along with the schedule and $ut u$ the
Buestion. Inferences are drawn on the answers gi)en -y them.
2
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*IMITATIOS
1. The information disclosed -y the res$ondent may not -e )ery accurate.
. 't some $laces difficulty faced in o-taining the information due to a-senceof the $ro$rietor.
2. *nwillingness on the $art of few res$ondents to disclose the information as
$er the Buestionnaire.
5. Indecisi)eness on the $art of the res$ondents regarding some Buestions+
hence difficulty faced in recording and analyCing the data.
5@
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Analysis of Fuestionnaire
In the "areilly city I done se)eral inter)iew and fill the res$ondent form this
analysis is de$end on that inter)iew with the hel$ of this analysis I want to o-tain
the o-9ecti)e of this research re$ort. They are -elonging to different age grou$+
Income grou$ and Professions
#ow firstly I descri-e $ro$ortion of age+ income and $rofession of $eo$le -etween
these I done the sur)ey.
The ,ro,ortion of A-e of Peo,le who ,artii,atin- in sur9ey
I did the sur)ey in "areilly to conduct their research. During the sur)ey I meet
se)eral ty$es of $eo$le they are different in age $ro$ortion of $eo$le according to
age grou$s are as fallows,
A-e -rou, in years .:%1= 56
A-e -rou, in years 1=%85 .;
A-e -rou, in years 85%6= .;
A-e -rou, in years 6=H 6
51
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'early ino0e of ,eo,le who ,artii,atin- in sur9ey
In the sur)ey there is different income le)el of $eo$le are in)ol)ed and their
$ro$ortion is different. This income of $eo$le is on the yearly -asis and it is in the
/u$ees. #ow I descri-e the $ro$ortion income le)els of $eo$le. They are as
fallows,
The highest $ro$ortion is the income grou$ of /s.6@+@@@ to 1+@@+@@@ that is
5= and the income
-etween the 1+@@+@@@ to +@@+@@@ that is @=.
5
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The Profession of ,eo,le who ,artii,ate in the sur9ey
My sur)ey includes $eo$le+ who are -elonging to different $rofession they all
ha)e different earning and they are -elonging to different age grou$. #ow here I
only to descri-e the $ro$ortion of different $rofession of $eo$le who are
$artici$ating in my sur)ey.
The $ercentage of Ser)iceman+ "usinessman+ Professionals and Others are
res$ecti)ely 21=+ 6=+ 6= and 1
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Awareness le9el of life Insurane
In the city of "areilly 1@@= $eo$le know a-out the !ife Insurance. 'll $eo$le
whether they are Ser)iceman+ "usinessman+ Professional or -elonging to any other
$rofession. These $eo$le are a-o)e age of 1>years.These all are literate and they
ha)e some source of earning.
55
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45/85
Awareness of IR#A in !areilly ity
The awareness of I/D' in "areilly is )ery low. Only >= of $eo$le know a-out the
I/D'. The $eo$le who know a-out the I/D' these are mostly $rofessional like as
'd)ocate+ ' and ser)iceman. These are mostly the age grou$ of 2@,7@.
56
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Nu03er of o0,anies /nows 3y the ,eo,le
In the "areilly city 16= $eo$le know only single com$any that is !ife Insurance
or$oration of India. The $eo$le who know single com$any+ their literacy le)el are
)ery low they are mostly related to -usiness. In these 7@= $erson are a-o)e the
age of [email protected] ha)e traditional thinking. They ha)e full thrust only on the
go)ernment owned com$any.
In the "areilly city @= of $eo$le know t@ 5 com$anies of life insurance.
In this grou$ mostly $eo$le are -elonging to age grou$ of 1>,2@ and 56,7@.
57
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5@= $eo$le know a-out the 5,> num-ers of com$anies of life insurance+
these $eo$le are a-o)e the age of 1> and -elow the age of 7@+ the ma9or segment in
this is the age grou$ of 1>,2@.
6= of $eo$le know more then > com$anies who are in sector of life
insurance+ they are mostly in the age grou$ of 2@,56.there income is more then One
!akh. These are mostly the ser)ice class and $rofessionals.
5A
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Awareness of 4#+CS*IC in !areilly ity
In the "areilly 7@= $eo$le know a-out the HDFS!I. The main reason of this
$eo$le is well known a-out the HDF "ank+ it is -igger "ank in the city+ which is
$ri)ate "ank+ -ut its ser)ices are good.
In the time of sur)ey we talk a-out the HDFS!I then the most of $eo$le say
that “Wo D !e "har !e Samne Wala #o ci$il line me hai% .and some $eo$le
says wo kachahari ke &as wala' Then I told him no HDFS!I is near to the
Ayoob khan Chauraha. I told then that HDFS!I is se$arated from his "ank it is
su-sidiary of HDF+ which does the -usiness of life insurance.
5>
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49/85
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Ino0e -rou, analysis$ % the $eo$le who know the HDFS!I they are
-elonging to different Income grou$ these income grou$s are on the -asis of yearly
and in the /u$ees. #ow I descri-e the $ro$ortion of Income grou$s that is -elow
6@+@@@ the $ercentage is 52 Income 6@+@@@ to 1+@@+@@@ the $ercentage is 6@+
1+@@+@@@ to +@@+@@@ the $ercentage is @ and income more then +@@+@@@ is A=.
This $ro$ortion is descri-ed in gi)en $ie chart,
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Profession of res,ondent$ % The $ro$ortions of $rofession of $eo$le who include
in my research and they are known a-out HDFS!I their $ro$ortion is as
fallows
Ser)iceman 52=
"usinessman A=
Professionals 27=
Others 15=
61
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52/85
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The ,eo,le ha9e life insurane ,oliy of any o0,any
The $eo$le who ha)e the life insurance $olicy of any com$any their $ercentage
is )ery high it is 7
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Peo,le who ha9e life insurane ,oliy$ % #ow I descri-e the further
classification of the $eo$le who ha)e the life insurance $olicy. These $eo$le are
-elonging to the different age grou$s.
A-e -rou,$ In these the highest $ercentage is the age grou$ of 1>,2@ that is 7=+
the $ercentage of 2@,56 age grou$ is 2=+ only 16= of $eo$le ha)e life insurance
$olicy -elonging to the age grou$ of 56,7@+and the $eo$le a-o)e the age of 7@
years their $ro$ortion is @=.
65
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Ino0e -rou,$ % The $eo$le who ha)e life insurance $olicy they are
-elonging to different income le)el in these the highest $ercentage of income
grou$ -etween the /s.6@+@@@ to 1+@@+@@@ +the $eo$le -elow the /s.6@+@@@ income
-
8/18/2019 HDFCSLIC Share in Market
56/85
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57/85
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Peo,le who says no$ %
The >1= $ercent of $eo$le says that I ha)e the life insurance of other
com$anies -ut dont ha)e the $olicy of HDFS!I most of $eo$le ha)e $olicy of
!I Of India -ut some ha)e $olicy of some $ri)ate com$anies like as III Pru.+
"a9a9 'llianC+ "irla sun life and I#: ysya -ut the $ercentage is )ery low these
com$anies are ra$idly increase their share in life insurance market of -areilly.
#ow I further descri-e the age+ income grou$ and $rofession of $eo$le
who dont ha)e the $olicy of HDFS!I.
A-e Grou,$ % The $eo$le who dont ha)e the $olicy of HDFS!I their
age wise $ercentages are as fallows,
'ge 1>,2@ &years( A@=
'ge 2@,56&years( 16=
'ge 56,7@&years( 16=
'ge more then 7@&years( @=
This shows that young $eo$le are not -uying $olicy of $ri)ate com$anies
-ut in these com$anies em$loyees are young and generic.
This age $ro$ortion is shown in gi)en $ie chart,
6>
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Ino0e Grou,$ %
The income of $eo$le who says that they dont ha)e $olicy of HDFS!I
they are -elonging to different income grou$ that is -elow the /s.6@+@@@+
/s.6@+@@@ N 1+@@+@@@ /s.1+@@+@@@,+@@+@@@ and more then /s.+@@+@@@ their
$ro$ortion are res$ecti)ely 21=+ 65=+ @= and 16=.
6
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Profession$ %
The $eo$le who dont ha)e life insurance $olicy of HDFS!I they are
-elonging to different $rofessions their $ercentages are ser)iceman 2=+ -usiness
man 21=+ $rofessionals 21=+and others 16=.
7@
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Peo,le who say yes$ % The $eo$le who say that I ha)e the $olicy of HDFS!I
they also -elonging to different age grou$+ income grou$ and $rofessions.
#ow descri-e the different $ro$ortion of $eo$le who -elong to different age
grou$s.
A-e -rou, analysis ,
The $eo$le who ha)e the $olicy of HDFS!I they are -elonging to different age
grou$s and there $ercentages are different like as in the age grou$ &years( of 1> to
2@+ 22= of $eo$le says that I ha)e the $olicy of HDFS!I+ age -etween 2@ to 56
years ha)e the $ro$ortion of 25=+ age -etween the 56 to 7@ years the $ro$ortion is
again 22= and the $eo$le whose age is more then 7@ they dont ha)e the $olicy of
HDFS!I.
71
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Ino0e -rou, analysis$, $eo$le of -areilly who ha)e the $olicy of
HDFS!I they are -elonging to different income grou$. The income grou$ is on the
-asis of yearly income of $eo$le in /u$ees.
#ow I descri-e the $ro$ortion of $eo$le who ha)e the $olicy of HDFS!I.
This $ro$ortion is as fallows,
Income -elow 6@+@@@ 7A=
Income 6@+@@@,1+ @@+@@@ 22=
Income 1+ @@+@@@,+ @@+@@@ @=
Income more then + @@+@@@ @=
7
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Profession analysis$ % the $eo$le of "areilly who ha)e the $olicy of HDFS!I.
They are -elonging to different $rofession.
The $ro$ortion of $eo$le on -asis of $rofession is as fallows,
Ser)iceman 7A=
"usiness man @=
Professional 22=
Others @=
72
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64/85
Ty,e of *ife Insurane Poliy
The !ife Insurance $olicy is meagerly four ty$es that is Protection $lan+
Pension Plan+ In)estment Plan and Sa)ing Plan. The $eo$le of "areilly -uy different
ty$e of $olicy which is -elonging to a-o)e segment. The $ro$ortion of segment of
$olicy are as fallows,
Protection $lan 2>=
Pension $lan @=
In)estment $lan >=
Sa)ings Plan 65=
This $ro$ortion shows that $eo$le of "areilly more $refer the Sa)ing Planafter the sa)ing $lan $eo$le $refer Protection $lan -ut $eo$le are not taking the
Pension $lan this show that $eo$le are much aware for their future
75
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65/85
The Person who ha9e Protetion Plan$%
There are so many $eo$le who ha)e the $rotection $lan they are -elonging to
different age grou$+ Income grou$ and $rofession of $eo$le. #ow descri-e each
segment in detail.
A-e Grou,, the $eo$le who ha)e the $rotection $lan they are -elonging to
different age grou$ there $ro$ortion is as fallows,
'ge &years( 1>,2@ 5@=
'ge &years( 2@,56 @=
'ge &years( 56,7@ 5@=
'ge &years( 7@U @=
76
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Ino0e -rou,$ Pro$ortion of yearly income of $eo$le who ha)e the
Protection $lan are as fallows,
/s. -elow 6@+@@@ @=
/s. 6@+@@@,1+ @@+@@@ 5@=
/s 1+ @@+@@@,+ @@+@@@ @=
/s. More then + @@+@@@ 5@=
77
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Profession$% #ow here I descri-e the $ro$ortion of $rofession of $eo$le who ha)e
the Protection $lan !ife Insurance of any om$any. There $ro$ortion is as fallows,
Ser)iceman @=
"usinessman @=
Professional @=
Others 5@=
7A
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The Peo,le who ha9e sa9in- Plan$%
The $eo$le of "areilly who ha)e the sa)ing $lan their ratio is )ery high and they
also -elonging different age grou$+ Income grou$ and $rofession.
#ow I descri-e the -rief descri$tion of $eo$le.
A-e -rou, analysis$% the $eo$le who ha)e Sa)ing $lan there age )ise $ro$ortion is
as fallows,
'ge &in years( 1>,2@ A1=
'ge &in years( 2@,56 16='ge &in years( 56,7@ 15=
'ge &in years( more then 7@ @=
7>
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Ino0e -rou, analysis$% The $eo$le who ha)e the Sa)ing Plan there income wise
$ro$ortion is as fallows,
Income &/s.( -elow 6@+@@@ 52=
Income &/s.( 6@+@@@,1+ @@+@@@ 6A=
Income &/s.( 1+ @@+@@@,+ @@+@@@ @=
Income &/s.( more then + @@+@@@ @=
7
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70/85
Profession of ,eo,le$% the $eo$le who ha)e the sa)ing $lan they are -elonging to
the different $rofession. There $ro$ortion is as fallows,
Ser)iceman
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8/18/2019 HDFCSLIC Share in Market
71/85
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72/85
The ,eo,le who ha9e the In9est0ent ,lan
The characteristic of those $eo$le who ha)e In)estment Plan they are the age
grou$ of 2@,56&year(+ his income is -etween the 6@+@@@ to 1+ @@+@@@ /u$ees annual
income of $eo$le. They are mostly the ser)ice class.
Satisfation of ,eo,le a3out the ,lans of 4#+CS*IC
The $eo$le of "areilly are not dissatisfied with the insurance $lans which are
offers -y HDFS!I. 15 $ercentages of $eo$le says that the $lans are a)erage+
6A= of $eo$le say that they are satisfied with the $lans of HDFS!I and
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73/85
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74/85
Perfor0ane of 4#+CS*IC with other o0,anies in !areilly
The $osition of HDFS!I in the "areilly is good .-ecause no $eo$le says
that the HDFS!I is -ad life insurance com$any. The $erformance of
HDFS!I in "areilly city on the )iew of $eo$le of "areilly is as fallows,
"est 12=
:ood 67=
')erage 21=
"ad @=
A5
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75/85
Perenta-e of ,eo,le who /now the +inanial Consultant of 4#+CS*IC
The 7@ = $eo$le of "areilly know a-out the HDFS!I -ut $ercentage of $eo$le who know a-out the Financial onsultant of HDFS!I is only 67= and
rest are not know a-out the Financial consultant of HDFS!I -ut they are know
a-out the HDFS!I.
A6
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)hy ,eo,le in9est in *ife Insurane
There se)eral reasons that why $eo$le in)est in the life insurance. These
reasons are miserly di)ided in to four ma9or $arts that is for risk co)er+ for
in)estment+ for safe future return and for ta? -enefit. #ow I descri-e the $ro$ortion
of reasons that are as fallows,
For /isk o)er
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77/85
OPINION O+ PEOP*E ON *I+E INSURANCE
The $eo$le of "areilly ha)e gi)en a $ositi)e res$onse on the life insurance the
$eo$le says that all the $ersons must ha)e a life insurance $olicy which is -etter for their
future. This $olicy also sol)es the $ro-lem of sa)ing and in)estment.
Some $eo$le says that insurance is a -etter o$tion for the in)estment -ecause it is
the safest mode of sa)ing the money the money and it gi)es them safety and security with
life and after the life to their family mem-ers.
The $eo$le say that $ension $lan o$tion for all the $eo$le who are do not ha)e
regular income and who ha)e insecure future.
AA
-
8/18/2019 HDFCSLIC Share in Market
78/85
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8/18/2019 HDFCSLIC Share in Market
79/85
• *ess awareness of IR#A in ,eo,le&
Conlusion and Su--estion
HDFS!I is Indias most re$udiated !ife Insurance om$any their $erformance
is )ery good.
During the sur)ey I o-ser)e that $eo$le are well known a-out the !ife Insurance
-ut they are not much aware a-out the $ri)ate sector com$anies
The $eo$le ha)e full trust on the !ife Insurance or$oration of India a $u-lic
sector com$any -ut some $eo$le are di)erted to the $ri)ate sector com$anies. The $eo$le
are satisfied with )arious and ser)ices which are gi)en -y the $ri)ate insurance com$anies
In the "areilly ity there are so many !ife Insurance com$any are intered in the
market such as "irla Sun !ife Insurance+ Sahara !ife+ "a9a9 'llianC+ Ing ysya+ Ma? #ew
0ork !ife+ III Pru.+ and so on. These all com$anies done the well 9o- -ut they all are
increase the com$etition.
HDFS!I did the good 9o- in the Insurance sector. 't $resent it is to$ most !ife
Insurance om$any in not only "areilly city -ut also in India. The market share of HDFS!I is ra$idly increases.
The using of Information and Technology the com$any can easily im$ro)e their
$erformance. To im$ro)e the insurance sector four need to -e fulfilled that are,
&a( 4m$hasis on technology and translate the ad)antage into customer
con)eniences.
&-( Rualification and o-9ecti)e assessment of customer satisfaction
across )arious segments is must.
&c( 4nsuring le)el $laying field for the $u-lic sector insurance -y
which sufficient autonomy is ado$ted for acce$tingQrefusing
A
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80/85
)arious ty$e of -usiness -ased are o$en or close -ranches -ased
$urely on -usiness consideration.
&d( 4nduring a trans$arent $ricing system -ased on actual com$anies
analysis and consensus is achie)ed towards $aying a higher $rice
for -etter ser)ices.
If the $ri)ate insurance com$anies want to make full thrust on their -usiness then
they must increase the awareness of Insurance /egularity and De)elo$ment 'uthority
of India that is the go)ernment -ody of insurance regularity.
3ith the reference to HDFS!I they must ado$t the im$ressi)e $romotional
scheme -ecause most of $eo$le in "areilly they are well known a-out the HDFS!I
-ut the com$any is not reach on door of the their $otential customer.
There are lots of o$$ortunities in "areilly which com$any can easily cash -y using
their full resources. HDFS!I make the strategic decision to occu$y market share
-ecause there are lots of $ro-lems $hases -y the com$any like as so many $ri)ate
com$anies are inter in the life insurance market of "areilly. If com$any not ado$ts
correct decision then they can not sta-le in the market
The to$ management logically should -e in)ested with the right to take decision
and -e accounta-le. Trans$arency has -ecome a necessary )irtue in the $u-lic
institutions like insurance area. The strategy will ha)e to start with system o$timiCing
of e?isting their resources+ ca$ital+ eBui$ment and other assets like $ro$erty.
The HDFS!I select the safe and secure mode for their sta-le im$ro)ement and
growth.
>@
-
8/18/2019 HDFCSLIC Share in Market
81/85
FUESTIONNAIRE
TOPIC$TO STU#' T4E A)ARENESS O+ *I+E INSURANCE IN
!AREI**' CIT'
NAME O+ RESPON#ENT$KKKKKKKKKKK&KKKKKKKK&
GEN#ER$KKKKKKKKKKKKKKKKKKKKKKKKKKKK
A##RESS$KKKKKKKKKKKKKKKKKKKKKKKKKKKK
CONTACT NUM!ER$KKKKKKKKKKKKKKKKKKKKK&&
RESERC4ER NAME$ PRAS4ANT (UMAR 'A#AB
• Res,ondent a-e -rou,@years
.:%1= @ 1=%85 @
85%6= @ L6= @
•
Res,ondent ino0e -rou, @,er year in Rs&
!elow 5==== @ 5====%. ===== @
. =====%2 ===== @ L2===== @
• Res,ondent?s Profession
Ser9ie0an @ !usiness0an @
Professionals @ Others @
>1
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8/18/2019 HDFCSLIC Share in Market
82/85
• Are you aware a3out life insurane
'es @ No @
• #o you /now a3out IR#A
'es @ No @
• 4ow 0any nu03ers of o0,anies in life insurane are you aware of
.@ 2%8@
8%:@ L:@
• #o you /now a3out 4#+C STAN#AR# *I+E INSURANCE
'es @ No @
•Soures of awareness of 4#+C STAN#AR# *I+E INSURANCE
Ad9ertise0ent @ +riend irle @
+a0ily 0e03er @ +C of 4#+C @
>
-
8/18/2019 HDFCSLIC Share in Market
83/85
• #o you ha9e any life insurane ,oliy in any o0,any
'es @ No @
• #o you ha9e any life insurane ,oliy in 4#+C STAN#AR# *I+E
INSURANCE
'es @ No @
• )hih ty,e of life insurane ,oliy do you ha9e
Protetion Plan @ Pension Plan @
In9est0ent Plan @ Sa9in- Plan @
• Are you satisfied with 4#+C Standard life Insurane Plans
#issatisfied @ A9era-e@
Satisfied @ 4i-hly satisfied@
• Are you satisfied with usto0er ser9ies -i9en 3y the 4#+CS*IC
#issatisfied @ A9era-e@ Satisfied @ 4i-hly satisfied@
• Ran/ the 4#+C*IC with other Insurane Co0,anies in !areilly&
>2
-
8/18/2019 HDFCSLIC Share in Market
84/85
!est @ Good @
A9era-e @ !ad @
• #o you /now a3out any +&C& of 4#+CS*IC
'es @ No @
• )hy do you in9est in life insurane
+or ris/ o9er @
+or in9est0ent @
+or safe future return @
+or ta> 3enefits @
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#ate%
Plae% Res,ondent si-nature
>5
-
8/18/2019 HDFCSLIC Share in Market
85/85
BIBLIOGRAPHY
• www.google.com
• www.hdfclife.com
• www.wikipedia.com
http://www.google.com/http://www.hdfclife.com/http://www.wikipedia.com/http://www.hdfclife.com/http://www.wikipedia.com/http://www.google.com/