motilal oswal summer ppt

GUIDED BY:

PROF. AABHA SHINGHVI

(INTERNAL)

MR. CHINTESH PATEL (EXTERNAL)

PRESENTED BY:

KALARIYA DHIREN

ROLL NO. 27

DIV – A

G.I.D.C. RAJJU SHROFF ROFEL INSTITUTE OF MANAGEMENT STUDIES, VAPI

CORE PURPOSE

To be a well respected and preferred global financial services organization enabling wealth creation for all our customers.

VALUES

Integrity A company honoring commitment with highest ethical and business practices.

Teamwork Attaining goals collectively and collaboratively.

Meritocracy Performance gets differentiated, recognized and rewarded in an apolitical

Passion & High energy and self motivated with a “Do It” attitude and entrepreneurial Attitude spirit.

Excellence in Time bound results within the framework of the company ’s value system. Execution

ORGANISATION STRUCTURE

BUSINESSES

MILESTONES

AWARDS & ACCOLADES

! India network with presence in over 430 cities/ towns comprising 1,430 business locations (own as well as franchisees)

! Network growing at a rapid pace - grown from a single location to a nationwide network in over 430 cities and towns

! Extensive distribution network providing opportunities to cross-sell products and services, particularly as we diversify into new business streams

! Physical distribution supplemented by on line channel

! Recently entered into a strategic alliance with State Bank of India (SBI), the largest bank in India, to offer our online brokerage services to SBI’s retail banking clients

! Plans to enter into additional strategic alliances to cater to an even wider customer base

INDIA NETWORK

SERVICE OFFERING BY MOFSL

SERVICE OFFERING BY MOSL

(1) PORTFOLIO MANAGEMENT SERVICES (PMS)

PMS is the service under which Portfolio of the client is maintained by the Company.

Types Of PMS: (a) Value PMS (b) Bull’s Eye PMS

Who is it for?Portfolio management service is well suited for high-net worth customers.

Benefits of PMS: Professional Management Risk Control Convenience Constant Portfolio Tracking

Transparency Dedicated Relationship Manager

(2) RESEARCH BASED ADVICE

(3) E-Broking service

Motilal Oswal MyBroker (E-Broking) platform which provides uninterrupted online investing –anyplace, anytime i.e. Buying and selling of shares and securities.

For whom?For High value investors and high volume traders who wants uninterrupted access to stock prices and execution facility.

Key benefits of trading online with MyBroker:Instant order/trade confirmation gives you similar trading experience as exchange based software without the burden of overhead and maintenance cost A refreshing experience of getting outstanding research based advise equity and derivatives on the same screen. Live quotes of NSE–Cash/Derivative, BSE Cash, CommodityGet access to various online reports like margin report, Demat A/c detailsOnline transfer of funds through multiple banksAccess to latest research reports, daily market dairy, derivative dairy

(4) IPO

Initial Public Offering (IPO) is when a company makes a fresh issue of securities/shares to the public.

IPO’s at MOSL:

Easy access to motilal oswal Business locations with over 1430 Business locations spread across over 430 cities.

Research and advice on new issues.

Regular updates on ongoing and forthcoming issues to investors.

IPO funding can be made available in case the application amount is greater then Rs 50 Lakhs.

(5) MUTUAL FUND

Mutual funds offer a platform to participate in the equity & debt market indirectly through professional management.

Services Offered:Need based advisory fully backed with solid research. Dedicated Mutual fund advisors to understand needs and building a prudent portfolio. Monthly review of portfoliosMonthly Fact-sheet covering motilal oswal analysis of various funds Knowledge sharing through educational seminars and workshops.

What Motilal Oswal Do: Client Profiling Asset Allocation Plan Scheme Selection Re-balancing:

Periodic portfolio re-balancing to maintain the long term asset allocation. A disciplined approach of buying in a falling market and selling in a rising market will be adopted.

(6) COMMODITY

Motilal Oswal Commodities Broker (P) Ltd. is a fully owned subsidiary of Motilal Oswal Financial Services Ltd. and has been providing commodity trading facilities and related products and services on MCX and NCDEX.

Trading through Motilal Oswal: Solid Research: Daily Fundamental and Technical Research

Reports on highly traded commodities

One Stop Shop: MOCBPL provides end-to-end advice for all the commodities to all motilal oswal prestigious individual

investors. Privileged customers also get exclusive & customized advice.

Dual Membership: MOCBPL has membership to MCX and NCDEX

Personalized Service: Service through dedicated relationship managers

(7) MOTILAL OSWAL DP SERVICES

Motilal Oswal is Depository Participant in CDSL. It provides Demat a/c services under MODES. In terms of number of accounts MODES is the second biggest Depository Participant in CDSL with over 150,000 accounts.

Client receives regular account reports and an efficient service at all times. Clients having holdings over Rs. 10 lakhs receive special SMS service.

Investor enjoys many benefits if they buy and sell shares in the depository mode.

Motilal Oswal is one of the broker who is acting as wholesalers and as a broker, it is the duty of it to provide service of collecting funds and securities from the investors and send it to clearing house and vice versa. According to SEBI investor has to open trading account for trading in shares. Client can open an account in any depository.

TRADING DEPARTMENT

Trading department is divided into three parts: Pre-trading (A/c opening, Deposits, ect.)

Trading (Dealing room, Sauda punching,

conformation)

Post-trading (Payout process, Bills, Pay-in-process,

Contract note)

The main aim of marketing activities at Motilal oswal is that the customer should get enough guidance to join the company and how he can get the best service than any other stockbroker.

MARKETING DEPARTMENT

Marketing Mix:

Products

Price

Place

Promotion


‘Knowledge First’ Campaign

This year MOFSL introduced a new brand philosophy. The relentless focus on research and insight, which is the DNA of the company, has manifested itself in the brand idea - ‘Knowledge First’. This simple philosophy of 'Knowledge First' has been brought alive through a multimedia campaign in TV, print, outdoor and the web.


Wealthwise

Building on their promise of providing knowledge to investors, MOSL introduced a unique intitiative - Wealthwise. This investor education programme (televised on CNBC) consisted of a series of investor camps that provided customers wealth management advice for different life stages.


Purple

Purple is their recently launched Private Banking brand that provides holistic wealth management solutions for Individual, Family and Business needs of High Net Worth Individuals (HNIs). To provide these clients a gold standard private banking experience, they introduced a series of Purple lounges in different cities.

HUMAN RESOURCE DEPARTMENT

MOFSL has grown at a scorching pace, not only in terms of business but also in terms of its most valuable asset -people. They have an ever-growing employee strength of 2315 associates that operates out of a rapidly expanding Company network.

HR at Motilal Oswal, on the one hand strives to make every employee of the organisation its brand ambassador and on the other hand make the Motilal Oswal brand stand for the best people practices.

The 3 pillars of HR strategy are:

(1) A clear and relentless (persistent) focus on leadership development

(2) Stringent (severe) focus on the identification and development of 'High Potentials' at all levels

(3) Investment in technology to deliver state-of-the-art HR processes across the organisation in a time and cost efficient manner


The key initiatives towards implementation of the strategy have been:

Balanced Scorecard and KRA implementation:

Leadership Development: Style and competency assessment for the top tier management of the Company was carried out and an intensive Executive Coaching programme based on Individual Developement Plans has been started for 13 of the top leaders of the organization.

Technology: The recruitment process has been enabled and implemented using the existing HR software of MyZone. This has been implemented in Mumbai during the current year and will be rolled out across all regions during this year.


SWOT ANALYSIS OF MOTILAL OSWAL

Strengths

Large and diverse distribution network Strong research and sales teams Brand recognition Experienced top management Strong financial results

Weaknesses

Charges are high compare to other companies in industry

Opportunities Growing Financial Services industry's share of wallet for disposable income Huge market opportunity for wealth management service providers as Indian wealth management business is transforming from mere wealth safeguarding to growing wealth. Regulatory reforms would aid greater participation by all class of investors Leveraging technology to enable best practices and processes Increased appetite (need) of Indian corporate for growth capital

Threats Execution risk Slowdown in global liquidity flows Increased intensity of competition from local and global players Unfavorable economic conditions

SWOT ANALYSIS OF MOTILAL OSWAL

ANALYSIS

OF

ARCHIDPLY INDUSTRIES LIMITED

ON

ITS INITIAL PUBLIC OFFER (IPO)

IPO DETAILS

IPO of Archidply Industries Ltd.

Sector Woodpanel products

No. of shares on offer 66,15,720

Price band (Rs) 70-80

Face Value 10

Issue open date 11th June 2008

Issue close date 17th June 2008

Minimum lot size 75 shares

QIB (50%) 33,07,860

Non-institutional (15%) 9,92,358

Retail (35%) 23,15,502

Total 66,15,720

IPO DETAILS

Equity Shares o/s prior to the Issue 1,53,84,280

Equity Shares offered through IPO 66,15,720

Equity Shares o/s after the Issue 2,20,00,000

Listing BSE, NSE

Objects of the Issue

1. Setting up a new manufacturing facility of Plain Particle Board (PPB), Pre Laminated Board (PLB) and decorative plywood at Chintamani in Karnataka. 2. Setting up a new manufacturing capacity for medium density fibreboard (MDF) at Rudrapur in Uttarakhand. 3. Margin Money for Working Capital.

Book Running Lead Manager Motilal Oswal Investment Advisors Private Limited

Registrar to this Issue Karvy Computershare Private Limited

IPO Grading

ICRA Limited has assigned an IPO Grade 3 (pronounced ‘three on five’), indicating average fundamentals. ICRA assigns IPO grading on a scale of IPO Grade 5 through IPO Grade 1, with Grade 5 indicating strong fundamentals and Grade 1 indicating poor fundamentals.”

IPO DETAILS

GENERAL INFORMATION

Name of company: Archidply Industries Limited

Sector/industry: Wood Panel Products

Registered and 29/2, G.K. Manor,Corporate office: 1st Floor, Nehru Nagar Circle,

Seshadripuram,Bangalore – 560 020,Website: www.archidply.com

Promoters: Mr. Deen Dayal Daga – CMD,Mr. Shyam Daga – Joint Managing Director and CFOMr. Rajiv Daga - Director and Assam Timber Products

Private Limited

INDUSTRY OVERVIEW

Plywood Industry in India

Today, India is one of the most exciting and emerging markets with a robust economy that is expected to expand further. With a growing population of Indians who have a higher disposable income, the domestic market for the woodworking industry is ripe and ready to be harvested.

In the recent years architects, designers, furniture manufacturers and consumers in India are becoming interested in high value timber applications and high quality finished wood products. There is a big demand for modular office furniture and workstations.

There was no restriction of putting up plywood Mill upto 1970. The Wood based Industry was under Compulsory Industrial Licensing from 1988 whether a small scale unit or a Large/Medium unit, new undertaking or substantial expansion would require Industrial License. In 1997 the Government of India totally de-licensed wood based industry as a result more than 2000 small-scale units coming up

ProductionThe production of Commercial plywood, decorative plywood, blockboards, Flushdoors, veneers, particleboard, Hard/Soft boards and medium density fibreboard (MDF).

INDUSTRY OVERVIEW

Particulars Unit 2004-05 2005-06 2006-07

Plywood M2 – 4MM 24.44 20.73 21.67

Particle Board M.T. 56,705 47,124 81,214

Veneers SQM 3,56,42,575 28,79,851 78,77,585

Medium Density Fibre M.T. 70,644 60,030 56,315

Hard/Soft Board M.T. 1,54,059 1,22,579 42,982

INDUSTRY OVERVIEW

Industry Trends in India Broadly the wood panel and decorative surfacing products come under the building material category and can be further narrowed down to interior infrastructure or interior solution sector.

The sector is witnessing tremendous growth driven byRetail stores (fast expanding chain of stores) Large firms, corporate spaces (IT and BPO sector) Hospitality sector (restaurant, lounges, hotel and resorts etc.) Services sector (banking and financial services like new banks)

Entertainment sector (like multiplexes) Housing sector Hospital and health careInfrastructure projects (like airports, railways, SEZs) etc.

Industry Trends in India

Government is also encouraging this sector by reducing the excise duty from 16% to 8% in the financial bill 2007.

Also some of the state government like Delhi, Utter Pradesh, West Bengal, Madhyapradesh have reduced the VAT from 12.5% to 4% in the recent past.

Major Companies

Archidply IndustriesGreenply IndustriesNovopan IndustriesUniply IndustriesCentury Plyboard

INDUSTRY OVERVIEW

BUSINESS INFORMATION

OVERVIEW OF THE COMPANY

Archidply Industries Limited is the flagship company of the Archidply group.

There promoters have been associated with plywood manufacturing for more than 30 years.

Company was incorporated in 1995 and today, they are modern state-of-the-art manufacturers of wood panel products and decorative surfacing products in two locations, Rudrapur and Mysore, with a network of branches, distributors and dealers across India.


Products

1. Plywoods 2. Block Board and Flush Doors3. Particle Boards4. Decorative Laminates5. Decorative Veneers

The products comply with quality standards of BIS and International standards of UK, USA and Germany. It has been awarded ISO 9001: 2000 for quality management systems to manufacture and marketing of wood and agro based panel products.

BOARD OF DIRECTORS


The Board comprises of:

Sr. No.

Name Designation

1 Mr. Deen Dayal Daga Chairman and Managing Director

2 Mr. Shyam D. Daga Joint Managing Director

3 Mr. Rajiv D. Daga Executive Director

4 Mr. Krishna Kant Somani Director (Technical)

5 Mr. Mohammed Shahid Aftab Independent Director

6 Mr. Narayan Subrao Adkoli Independent Director

7 Mr. Kamal Kishore Taparia Independent Director

8 Mr. Bharathkumar Hukumchand Rathi Independent Director


BRANDS

Archidply “premium segment”

Silvi“middle segment “ Pureply

“premium plywood product”

SELLING & DISTRIBUTION NETWORK


Distribution Chandellesa) Factory → Company Depot → Distributor → Dealer → Consumerb) Factory → Distributor → Dealer → Consumerc) Factory → Large Contractors/ Large Builders

Region

Distributors Network Dealers Network

States City No. of Distributor

States City No. of Dealers

North 11 21 21 10 54 150

East 5 8 8 8 21 72

South 4 12 12 4 56 256

West 3 20 20 3 12 108

Total 23 61 61 25 143 586

Distributors Network

21

812

20 North

East

South

West


SELLING & DISTRIBUTION NETWORK

Dealers Network

150

72256

108North

East

South

West

MAJOR CUSTOMERS

Products are used for interior and construction work, the main customers for the products are individual houses, bungalows, Apartment builders, Government organization like CPWD, Banks, Software Offices, Hotels etc.

The products have been specified in various leading projects such as HIndalco, BSNL, Bank of India, Appollo Hospital, ABN AMRO, Punjab National bank, Hotel Leela Venture, BHEL, to name a few.


COMPETITION

Their major competitors in plywood, decorative veneers and decorative laminates are Greenply and Century Ply. In pre laminated particle board segment, they face competition with Novapan.

Company and the wood based industry in general continue to face competition from the unorganized sector.


INFRASTRUCTURE FACILITIES

Raw MaterialLabourWaterElectricityPollution Control


Raw Material Cost (Rs. in lakhs)

Particulars For the half year ended For the year ended September 30, 2007 March 31, 2007

Total Income 6,602.63 10,062.88

Cost of Goods Sold 3,781.73 6,428.18

% of Raw Material Consumed to 57.28% 63.88%Total Income


SOCIAL RESPONSIBILITY

HUMAN RESOURCEAt present they have the total strength of 531 permanent employees (including workmen) in various departments. The details of which are given as below:

Sr. No.

Category Number of Employees

1 Top Management Personnel 08

2 Finance & Accounts Personnel 34

3 Human Resource Personnel 05

4 Technical Personnel 94

5 Marketing Personnel 137

6 Administrative staff 20

7 Skilled & Unskilled Workers 233

Total 531They have not experienced any material strikes, work stoppages, labour disputes or actions by or with their employees.


FINANCIAL INFORMATION


Y/E MARCH MAR-07 MAR-08

Income (Rs m)

Net Sales 900 1,359

Increase /(Decrease) in Inventory 59 -

Total Income 959 1,359

- Operating Expenses 835 1,102

Operating Profit 123 258

+ Other income 8 11

- Depreciation 26 37

- Interest 40 70

- Tax 11 18

- Preli. Pre op. Exp. 1 0

PAT 53 143

Profit and Loss A/c

FINANCIAL INFORMATION


Y/E MARCH MAR-07 MAR-08

Net Worth 272 424

Debt (LT+ST) 549 541

Deferred Tax Liability 5 2

Capital Employed 827 967

Fixed Assets 412 409

Investments 0 0

Working capital 388 506

Cash 27 51

Capital Deployed 827 967

Balance Sheet (Rs m)


Special Tax Benefits to the one unit of Company located in the state of Uttarakhand

Lower rate of 1 % on Central Sales Tax

Exemption from Central Excise Duty for ten years from the year financial year 2006-07

Exemption of 100 % from Income Tax for first five years with effect from the financial year 2006-07 and 30 % for next five years as stated above in point no. a of Tax deductions and concessions available to the Company

Strength

The Promoter/ Directors are well experienced in this industry. Company has wide sales network. The trade name is already established in the market. Company is allotting funds every year for the advertisement.Government IncentivesLocational Advantage

Weaknesses

Once the unit is established, the entire unit would be looked after by professional people and not by the main Promoters. The main Promoter will visit the unit at regular intervals.

SWOT ANALYSIS

Opportunities

New industry to near by areaPositive industry outlook (Growth rate @ 30%)

Threat

Change in government policy regarding excise dutyDelay in implementationThreat from unorganized sectorRealty sector – Primary growth driverPending license to manufacture MDF

SWOT ANALYSIS

RESEARCHON

“ARARENESS REGARDING STOCK MARKET”

PROBLEM IDENTIFICATION

I have conducted study on awareness regarding stock market. Now, Motilal Oswal wants to know about the investment instruments used by the people of Rajkot city. It also wants to know how to educate people about stock market. It wants to know sources which are affecting to the decision of client to invest in stock market.

RESEARCH OBJECTIVE

The objectives of the study are as under:

1. To know the awareness of stock market.2. To know the investment habit/pattern of the people of Rajkot city.3. To know the purpose of investing in stock market.4. To know the influencing forces behind the decision making while trading in stock

market.5. To know constraints which are affecting investment in stock market6. To find out best way or method to educate about stock market.

RESEARCH INSTRUMENT

QUESTIONNAIRE SAMPLING METHOD : Convenient sampling method

SAMPLE UNIT : Those who are investing in different investment Options SAMPLE SIZE : 100 samples

Type of Questionnaire : Structured

Type of Questions : Closed ended questions

No of Questions : 12

Place : RAJKOT CITY

DATA COLLECTION METHOD

1. Primary Data

2. Secondary data

BENEFITS OF THE STUDY:

The research that is being conducted by me will be useful in the following respect:

• This will help the company, how to make people aware about stock market by imparting best education.

• This will help to know the investment options used by people and turn them towards stock market.

• This will help the company to frame effective marketing strategy.• This will also help to select right media for advertising to create brand

awareness as well as to give knowledge of the products.• It will help to know how the people take decision to invest in stock

market.

LIMITATIONS OF THE STUDY

1. Personal bias

2. Time limit

3. Are

4. Sample size:

5. Lack of expertise

DATA ANALYSIS & INTERPRETATION AGE GROUP WISE RESPONDENTS

Age No. of respondents

21 – 30 31

31 – 40 26

41 – 50 22

51 – 60 14

Above 61 07

Total 100

31

26

22

14

7

0

5

10

15

20

25

30

35

21 – 30 31 – 40 41 - 50 51 - 60 Above 61

Age group

No

. o

f re

sp

on

den

ts

DATA ANALYSIS & INTERPRETATION

EDUCATION QUALIFICATION WISE RESPONDENTS

Education qualification No. of respondents

Under-Graduate 24

Graduate 22

Post-Graduate 27

Professional 26

Illiterate 01

Total 100

2422

27 26

1

0

5

10

15

20

25

30

Under-Graduate

Graduate Post-Graduate

Professional Illiterate

Education Qualification

No

. o

f re

sp

on

den

ts


OCCUPATION WISE DISTRIBUTION OF RESPONDENTS

Occupation No. of respondents

Professional 16

Businessman 34

Employee 21

Student 18

Others 11

Total 100

16%

34%

21%

18%

11%

Professional

Businessman

Employee

Student

Others


INVESTMENT IN DIFFERENT INVESTMENT INSTRUMENTS

Investment options No. of Investors

Bank Fixed Deposit 57

Mutual Fund 49

Shares/Equity 87

Insurance 61

Real Estate 54

Govt. Securities 26

Bonds/Debenture 07

Postal Scheme 19

P.P.F 10

Pension Fund 16

Jewellery 78

Other 04


INVESTMENT IN DIFFERENT INVESTMENT INSTRUMENTS

5749

87

6154

26

7

1910

16

78

4

0

10

20

30

40

5060

70

80

90

100

Investment instruments

No

. o

f in

vesto

rs


DO YOU INVEST IN STOCK MARKET?

Invest (Yes)

Do Not Invest (No)

Total

87 13 100

87

13

Invest

Do Not Invest


HOW TO INVEST IN STOCKS

No. of Investors

IPO’s 26

Secondary Market

23

Both 38

2623

38

0

5

10

15

20

25

30

35

40

IPO’S Secondary Market Both

No

. o

f in

vesto

rs


FACTORS CONSIDERED IN INVESTMENT

1st Rank 2nd Rank 3rd Rank 4th Rank

Safety of investment 44 24 18 14

High return 25 40 24 11

Speculation 11 19 22 48

Regular Income 20 17 36 27

1st Rank

44

25

11

20

Safety of investment

High return

Speculation

Regular Income


2nd Rank

24

40

19

17


High return

Speculation

Regular Income


3rd Rank

18

24

22

36Safety of investment

High return

Speculation

Regular Income


4th Rank

14

11

48

27


High return

Speculation

Regular Income


INVESTMENT INSTRUMENT IN WHICH PEOPLE WANT TO INVEST

Instruments No. of Investors

Equity 37

Derivatives 39

Commodity 43

Others 35

37 3943

35

05

1015

2025

3035

4045

50

Equity Derivatives Commodity Others

Investment instruments

No

. o

f in

vesto

rs


THE CONSTRAINTS WHICH ARE AFFECTING THE INVESTMENT IN STOCK MARKET

Constraints Nos.

Lack of knowledge 47

Fund facilities 29

Risk taking ability 23

Regulatory constraints 11

Lack of Guidance 38

Other 07

47

29

23

11

38

7

0

5

10

15

20

25

30

35

40

45

50

Lack ofknowledge

Fundfacilities

Risk takingability

Regulatoryconstraints

Lack ofGuidance

Other

Constraints


DECISION TAKEN BY INVESTORS WHILE INVESTING INTO STOCK MARKET

Factors Percentage

Independently 41

Advice from friends/colleagues 12

Broker's/Agent's Advice 56

Advice from CA/Tax Consultant 14

News Channels 43

Well-known stock broking house 23

Business Newspapers 31

Business Magazines 19

Internet 15


DECISION TAKEN BY INVESTORS WHILE INVESTING INTO STOCK MARKET

41%

12%

56%

14%

43%

23%

31%

19%

15%

0% 10% 20% 30% 40% 50% 60%

Independently

Advice from friends/colleagues

Broker's/Agent's Advice

Advice from CA/Tax Consultant

News Channels

Well-known stock broking house

Business Newspapers

Business Magazines

Internet


TOOLS PERFERED BY PEOPLE WHILE LEARNING ABOUT STOK MARKET

Tools No. of responses

Literature 38

Classroom Training 31

Documentaries 21

Internet 26

Seminars 29

Self-Experience 67

38

31

21

26

29

67

0 10 20 30 40 50 60 70 80

Literature

Classroom Training

Documentaries

Internet

Seminars

Self-Experience

No. of respondents

RECOMMENDATION

I have examined that different investors are giving priorities to investment instrument as per their need. Accordingly, as per the needs of the client, a product can be recommended to him. Motilal Oswal Financial Services Limited (MOSL) has strength in Top Quality Research, Internet Trading, Investment Advisory Services, Value Added Back office services and DP Services. The firm also deals in commodities and mutual funds to add more number of clients.

1. Motilal Oswal should increase its promotional activities and it should make aware people of Rajkot city about its product and services.

2. Motilal Oswal should turn the existing customer to trade or invest in other product, which they are not aware about, or not investing in them.

3. Motilal Oswal should organize seminars and presentation of highly experienced person. It should provide classroom training and literature to those who are eager to learn about share market. It should distribute documents about product information.

4. Motilal Oswal should utilize the Radio (FM), Newspaper, and local T.V advertisement as a medium of promotion.

Thank You

Motilal Oswal Financial Services Ltd.

Regd Office: Palm Spring Centre, 2nd Floor, Palm Court Complex, New Link Road, Malad (W), Mumbai - 400 064.

motilal oswal summer ppt

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