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Consumer Preference for Business Newspaper in

Ghazipur City

Survey Project Report

Submitted to

VEER BAHADUR SINGH PURVANCHAL UNIVERSITY, JAUNPUR

In Partial Fulfillment of the requirement of the degree of

BACHELOR OF BUSINESS ADMINISTRATION

Submitted By- Under the Supervision of

Km. Dipika Mrs. Fati shaffat

BBA IV Semester (Senior Lecturer)

Roll No. -5460044

2014

Technical Education & Research Institute,Post-Graduate College, Ravindrapuri

Ghazipur (U.P.) Pin-233001


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CERTIFICATE

This is to certify that Km. Dipika pursuing BBA 4 thSemester from this Institute has prepared

the Survey project report entitled Consumer Preference for Business Newspaper in

Ghazipur City in partial fulfillment of the requirements of the degree of Bachelor of

Business Administration from V.B.S. Purvanchal University, Jaunpur, for the session of

2013-14.

This report is based on bona fide research undertaken by Km. Dipika under

my supervision during the course of fourth semester and fulfills the requirements of

regulations relating to the nature and standard of B.B.A.course of V.B.S. Purvanchal

University.

I recommend that this survey project report may be sent for evaluation.

Rahul Anand Singh Mrs. Fati ShaffatAssociate Professor& Head, Senior Lecturer,Dept. of Business Administration Dept. of Business Administration


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DECLARATION

I Km. Dipika,hereby declare that this survey project report entitled ConsumerPreference for Business Newspaper in Ghazipur Cityhas been prepared by me on

the basis of survey done the course of my fourth semester of BBAproramme under

the supervision of Mrs. Fati Shaffat, T.E.R.I., P. G. College affiliated to Veer

Bahadur Singh Purvanchal University.

This survey project report is my bona fide work and has not been submitted in

any university or Institute for the award of any degree or diploma prior to the under

mentioned date. I bear the entire responsibility of submission of this project report.

10th

May 2014

Km. Dipika

BBA IV Semester

Department of Business Administration

Technical Education & Research Institute

P.G. College Ghazipur


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INDEX OF CONTENTS

Preface Acknowledgement

CHAPTER -1

Introduction to the topic Objective Importance Scope

CHAPTER-2

Research MethodologyCHAPTER-3

Data Analysis & InterpretationCHAPTER-4

Finding & RecommendationsCHAPTER-5

Conclusion Limitation Annexure ( Questionnaires ) Bibliography


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PREFACE

The first real insight of an organization for management student comes only during

his preparation of project work because student first interacts with real practical work.

This is first introduction to industry and its working. This project work synthesize the

theoretical concept learn in the class room and its practical orientation in organization.

In my project I have studied the Consumer Preference for Business

Newspaper in Ghazipur City

The First chapter deals with the introduction of the topic, It also describes the

profile and history of Business Newspapers.

In first chapter I have mentioned institute. This chapter also describes the

organizational structure of both the organization. The objective and need of research

is also mentioned in section of project work.

The Second chapter deals with research methodology. The process of carrying

out the whole research problem is defined in it. It contains information about the

objectives of the research, methods of data collection, sampling and sample design.

Third chapter is data analysis and interpretation. This is the most important

section of the project work. This section contains the analysis of all the data collected

so far and they are interpreted to produce the final conclusion. It contains all the tables

and charts which depicts the result.

Chapter four contains the finding and recommendation of the research. This is

based on the data analyzed and interpreted in the previous chapter. This is the most

important section of the research report for a report is evaluated on the validity ad

correctness of findings.

Chapter five depicted conclusion which concludes the whole report, that is,

gives a brief description of the process employed so far. And later chapters contain


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ACKNOWLEDGEMENT

Many thanks to the God, who has sent me on this earth and by mercy of him, I would

be able to accomplish this research.

A person who has always encouraged me towards positive and used to say

Nothing can be impossible if you are working hard with heart and soul. The

Word regard is very small for him and I dont know what word will be appropriate for

him, that person is my senior Mr. Pankaj.

I express my deep sense of gratitude and regards to Mrs. Fati Shaffat

(Lecturer, Dept. of management studies, T.E.R.I., P.G. College affiliated to Veer

Bahadur Singh Purvanchal University) under whose guidance I completed this

project, I am thankful to her valuable guidance, gentle encouragement and pains she

took in guiding me throughout the study.

Some of my Friend, Simmi and Swetawhose suggestion for what is Right

or Wronghas shown my aim and objectives of life.

Again, I heartily express my regard to all the above person mentioned and

pray to the God May live them long.

Km. DipikaBBA 4

thSem.


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INTRODUCTION

CONCEPT OF INSURANCE:

Life has always been an uncertain thing. To be secure against unpleasant possibilities ,

always requires the utmost resourcefulness and foresight on the part of man . To pray

or to pay for protection is the spirit of the humanity . Man has been accustomed to

pray God for protection and security from time immemorial . In modern days

Insurance Companies want him to pay for protection and security . The insurance man

says "God Helps those who help themselves "; probably he is correct.

Too many people in this country are not in employment ; and work for too many no

longer guarantees income security . Several millions are part-time , self employed and

low -earning workers living under pitiable circumstances where there is no security

cover against risk . Further the inherent changing employment risks , the prospect of

continual change in the work place with its attendant threats of unemployment and

low pay especially after the adoption of New Economic Policy and the imminent life

cycle risks - a new source of insecurity which includes the changing demands of

family life , separation , divorce and elderly dependents are tormenting the society .

Risk has become central to ones life. It is within this background life insurance policy

has been introduced by the insurance companies covering risks at various levels . Life

insurance coverage is against disablement or in the event of death of the insured ,

economic support for the dependents . It is a measure of social security to livelihood

for the insured or dependents . This is to make the right to life meaningful, worth living

and right to livelihood a means for sustenance. Therefore , it goes without saying that an

appropriate life insurance policy within the paying capacity and means of the insured

to pay premium is one of the social security measures envisaged under the Indian


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Constitution . Hence , right to social security , protection of the family , economic

empowerment to the poor and disadvantaged are integral part of the right to life and

dignity of the person guaranteed in the constitution.

Man finds his security in income (money) which enables him to buy food , clothing ,

shelter and other necessities of life . A person has to earn income not only for

himself but also for his dependents , viz , wife and children . He has to provide legally

for his family needs , and so he has to keep aside something regularly for a rainy

day and for his old age . This fundamental need for security for self and dependents

proved to be the mother of invention of the institution of life insurance.

What is Insurance?

Mankind is exposed to many serious perils such as property losses from fire and

windstorm and personal losses from disability and premature death. Although it is

impossible for an individual to foretell or completely prevent their occurrence but it

ispossible to provide against their financial effect the loss of property and earnings.

From the point of view of the individual the life Insurance may be defined as a

contract whereby for a Consideration amount called the premium , one party (the

insurer) agrees to pay to the other (the insured) or a beneficiary a particular amount

upon the occurrence of death or any other agreed event.

Insurance is the method of spreading and transfer of risks. Losses of few unfortunate are shared by and spread over to many exposed to

the same risk.

Assets created by the owner in expectation of future needs have a value. Losses of assets for any reason deprive the owner of the expected benefits.


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It acts as a form of a safeguard against misfortunes. From the point of view of community life insurance may be defined as a

social device to make accumulations to meet uncertain losses resulting from

premature death or disability.

Purpose and need of insurance :

Assets are insured , because they are likely to be destroyed , through accidental

occurrences . Such possible occurrences are called perils. Fire, flood, breakdown, lightening,

earthquake, etc. are perils. If such perils can cause damage to the assets , we say that

the asset is exposed to that risk. Perils are the events. Risks are the consequential losses

or damages. The risk to a owner of a building , because of the peril of earthquake ,

may be a few crores of rupees, depending on the cost of the building and the

contents in it. The risk only means that there is a possibility of loss or damage. The

damage may or may not happen. Insurance is done against the contingency that it may

happen. There has to be an uncertainty about the risk. Insurance is relevant only if there are

uncertainties . If there is no uncertainty about occurrence of an event , it cannot be

insured against . In case of human being death is certain , but the time of death is

uncertain . In case of a person who is terminally ill , the time of death is not uncertain

, though not exactly known. He cannot be insured. Insurance does not protect the asset. It

does not prevent its loss due to the peril. The peril cannot be avoided through insurance. The

peril can sometimes be avoided , through better safety and damage control

management . Insurance only tries to reduce the impact of risk on the owner of the

asset and those who depend on that asset. It only compensates the losses and that too,

not fully. Only economic consequences can be insured. If the loss is not financial

,insurance may not be possible . Examples of non- economic losses are love and affection


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of parents , leadership of managers , sentimental attachments to family heirlooms ,

innovative and creative abilities, etc.

FUNCTIONS OF INSURANCE:-

The functions of Insurance can be described into two parts:

1. Primary Functions

2. Secondary Functions

The primary functions of insurance include the following:-

Provide Protection -The primary function of insurance is to provide protection against

future risk , accidents and uncertainty . Insurance cannot check the happening

of the risk , but can certainly provide for the losses of risk . Insurance is actually a

protection against economic loss , by sharing the risk with others.

Collective bearing of risk Insurance is a device to share the financial loss of few among

many others. Insurance is a mean by which few losses are shared among larger number

of people.

Assessment of risk -Insurance determines the probable volume of risk by evaluating various

factors that give rise to risk. Risk is the basis for determining the premium rate also.

Provide Certainty -Insurance is a device , which helps to change from uncertainty to

certainty. Insurance is device whereby the uncertain risks may be made more certain.

The secondary functions of insurance include the following:-


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Prevention of Losses - Insurance cautions individuals and businessmen to adopt suitable

device to prevent unfortunate consequences of risk by observing safety instructions ;

installation of automatic sparkler or alarm systems , etc . Prevention of losses cause

lesser payment to the assured by the insurer and this will encourage for more savings

by way of premium . Reduced rate of premiums stimulate for more business and better

protection to the insured.

Small capital to cover larger risks - Insurance relieves the businessmen from security.

Investments , by paying small amount of premium against larger risks and uncertainty.

Contributes towards the development of larger industries Insurance provides

development opportunity to those larger industries having more risks in their setting

up . Even the financial institutions may be prepared to give credit to sick industrial

units which have insured their assets including plant and machinery.

Brief History Of Insurance

The story of insurance is probably as old as the story of mankind . The same instinct

that prompts modern businessmen today to secure themselves against loss and disaster

existed in primitive men also . They too sought to avert the evil consequences of fire

and flood and loss of life and were willing to make some sort of sacrifice in order

to achieve security. Though the concept of insurance is largely a development of the

recent past , particularly after the industrial era past few centuries yet its beginnings

date back almost 6000 years.


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Life Insurance in its modern form came to India from England in the year 1818.

Oriental Life Insurance Company started by Europeans in Calcutta was the first life

insurance company on Indian Soil . All the insurance companies established during that

period were brought up with the purpose of looking after the needs of European

community and Indian natives were not being insured by these companies . However ,

later with the efforts of eminent people like Babu Muttylal Seal , the foreign life

insurance companies started insuring Indian lives. But Indian lives were being treated

as sub-standard lives and heavy extra premiums were being charged on them.

Bombay Mutual Life Assurance Society heralded the birth of first Indian life

insurance company in the year 1870 , and covered Indian lives at normal rates.

Starting as Indian enterprise with highly patriotic motives , insurance companies came

into existence to carry the message of insurance and social security through insurance

to various sectors of society. Bharat Insurance Company (1896) was also one of such

companies inspired by nationalism . The Swadeshi movement of 1905-1907 gave rise

to more insurance companies . The United India in Madras , National Indian and

National Insurance in Calcutta and the Co-operative Assurance at Lahore were

established in 1906 . In 1907 , Hindustan Co-operative Insurance Company took its

birth in one of the rooms of the Jorasanko , house of the great poet Rabindranath

Tagore , in Calcutta . The Indian Mercantile , General Assurance and Swadeshi Life

(later Bombay Life) were some of the companies established during the same period .

Prior to 1912 India had no legislation to regulate insurance business. In the year 1912

, the Life Insurance Companies Act, and the Provident Fund Act were passed . The

Life Insurance Companies Act, 1912 made it necessary that the premium rate tables

and periodical valuations of companies should be certified by an actuary . But the Act


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discriminated between foreign and Indian companies on many accounts , putting the

Indian companies at a disadvantage

The first two decades of the twentieth century saw lot of growth in insurance business. From

44 companies with total business-in-force as Rs.22.44 crore, it rose to 176 companies with

total business-in-force as Rs.298 crore in 1938. During the mushrooming of insurance

companies many financially unsound concerns were also floated which failed miserably. The

Insurance Act 1938 was the first legislation governing not only life insurance but also

non-life insurance to provide strict state control over insurance business . The demand

for nationalization of life insurance industry was made repeatedly in the past but it

gathered momentum in 1944 when a bill to amend the Life Insurance Act 1938 was

introduced in the Legislative Assembly . However , it was much later on the 19th of

January , 1956 , that life insurance in India was nationalized . About 154 Indian

insurance companies , 16 non-Indian companies and 75 provident were operating in

India at the time of nationalization . Nationalization was accomplished in two stages ;

initially the management of the companies was taken over by means of an Ordinance

, and later , the ownership too by means of a comprehensive bill. The Parliament of

India passed the Life Insurance Corporation Act on the 19th of June 1956 , and the

Life Insurance Corporation of India was created on 1st September , 1956 , with the

objective of spreading life insurance much more widely and in particular to the rural

areas with a view to reach all insurable persons in the country , providing them

adequate financial cover at a reasonable cost.

Some of the important milestones in the life insurance business in India

are:


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1818:Oriental Life Insurance Company , the first life insurance company on Indiansoil started functioning.

1870: Bombay Mutual Life Assurance Society , the first Indian life insurancecompany started its business.

1912:The Indian Life Assurance Companies Act enacted as the first statute toregulate the life insurance business.

1928:The Indian Insurance Companies Act enacted to enable the government to

collect statistical information about both life and non-life insurance businesses.

1938:Earlier legislation consolidated and amended to by the Insurance Act withthe objective of protecting the interests of the insuring public.

1956:245 Indian and foreign insurers and provident societies are taken over bythe central government and nationalized . LIC was formed by an Act of Parliament, viz

. LIC Act, 1956 , with a capital contribution of Rs. 5 crores from the Government

of India.

The General insurance business in India , on the other hand , can trace its roots to the

Triton Insurance Company Ltd., the first general insurance company established in the

year 1850 in Calcutta by the British.

1907: The Indian Mercantile Insurance Ltd. set up , the first company to transact allclasses of general insurance business.

1957: General Insurance Council , a wing of the Insurance Association of India ,frames a code of conduct for ensuring fair conduct and sound business practices.


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1968: The Insurance Act amended to regulate investments and set minimumsolvency margins and the Tariff Advisory Committee set up.

1972: The General Insurance Business (Nationalization) Act, 1972 nationalized thegeneral insurance business in India with effect from 1st January 1973.

107 insurers amalgamated and grouped into four companys viz. the NationalInsurance Company Ltd., the New India Assurance Company Ltd., the

Oriental Insurance Company Ltd. and the United India Insurance Company

Ltd. GIC incorporated as a company.

Life Insurance

Life insurance is a contract under which the insurer (Insurance Company ) in

Consideration of a premium paid undertakes to pay a fixed sum of money on The

death of the insured or on the expiry of a specified period of time whichever is

earlier. In case of life insurance , the payment for life insurance policy is certain. The

Event insured against is sure to happen only the time of its happening is not known .

So life insurance is known as Life Assurance. The subject matter of insurance is life of

human being. Life insurance provides risk coverage to the life of a person. On death

of the person , insurance offers protection against loss of income and compensate the

titleholders of the policy.


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Why life insurance:-

Protection of the interest of the family member. Provision for education and marriage of the children. Post retirement income for self and dependents Special needs for medical expenses. Provision for health / illness. Provision for housing. Provision for income tax rebate.

Benefits of life insurance :

Insurance not only serves the ends of individuals or of special groups of individuals

but also is advantageous to the society as a whole.

Benefits To The Individual:- Superior to any other saving plans Encourages and forces thrift Easy Settlement And Protection Against Creditors Administering the legacy for beneficiaries Ready marketing and suitability for quick borrowing Disability benefits Accidental death benefits Tax relief


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Benefits to business :Insurance results in business continuation and welfare of employees. Uncertainty of business

losses are reduced by insurance.

Benefits of society :The welfare of the society is protected. Insurance results in economic growth of the country

and reduction in inflation.

List of Life Insurance companies in India:-

1. AEGON RELIGARE2. AVIVA3. BAJAJ ALLIANZ4. BHARATI AXA5. BIRLA SUN LIFE6. FUTURE GENERALI7. HDFC STANDARD LIFE8. HSBC9. ICICI PRUDENTIAL10.IDBI FORTIS11.ING VYSYA12.KOTAK LIFE INSURANCE13.LIC14.MAX NEWYORK LIFE15.MET LIFE16.RELIANCE LIFE17.SAHARA INDIA


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18.SBI LIFE19.SHRIRAM LIFE20.TATA AIG LIFE21.DLF PRAMERICA22.CANARA HSBC OBC

Market share of Life Insurance Companies:-

Life Insurance Corporation of India (LIC) , remains by far the largest player in the

market . Among the private sector players , ICICI Prudential Life Insurance (JV between

ICICI Bank and Prudential PLC ) is the largest followed by Bajaj Allianz Life

Insurance Company Limited (JV between Bajaj Group and Allianz).

The market share of the major market players of the insurance industry

can be shown as the following pie chart:-

64%9%

7%

3%

3%

3%2%

2%1%

6%

Market share

LIC

ICICI Prudential

Bajaj Allianz

SBI Life

Reliance

HDFC Standard Life


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Unit Linked Insurance Plan (ULIP)

What is ULIP?

A plan which gives complete clarity about the various charges deducted and why its

being deducted and so how your fund will grow over time.

Unit Linked Insurance Policies (ULIPs) as an investment avenue are closest to mutual

funds in terms of their structure and functioning . As is the case with mutual funds ,

investors in ULIPs is allotted units by the insurance company and a net asset value

(NAV) is declared for the same on a daily basis.

Similarly ULIP investors have the option of investing across various schemes similar

to the ones found in the mutual funds domain , i.e. diversified equity funds , balanced

funds and debt funds to name a few. Generally speaking , ULIPs can be termed as

mutual fund schemes with an insurance component . However it should not be

construed that barring the insurance element there is nothing differentiating mutual

funds from ULIPs.

ULIPs are a category of goal-based financial solutions that combine the safety of

insurance protection with wealth creation opportunities . In ULIPs , a part of the

investment goes towards providing you life cover. The residual portion of the ULIP

is invested in a fund which in turn invests in stocks or bonds ; the value of

investments alters with the performance of the underlying fund opted by you.


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Simply put , ULIPs are structured in such that the protection element and the savings

element are distinguishable , and hence managed according to your specific needs . In

this way , the ULIP plan offers unprecedented flexibility and transparency.

Financial Pyramid

Life Insurance will take care of your protection and saving & investment needs


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Company Profile

Life Insurance Corporation of India:-The Life Insurance Corporation of India popularly known as LIC of India was incorporated

on September 1, 1956 by nationalizing 245 Indian as well as foreign companies . It was

established 52 years ago with a view to provide an insurance cover against various risks in

life. The luminaries who spearheaded this move at that time visualised an entity that will

provide life insurance to Indians, especially the vast rural masses, at an economical cost and

channel the savings for the betterment of the nation. It is the largest life insurance company in

India and also the countrys largest investor. It is fully owned by the Government of India

and headquartered in Mumbai.

Vision:-

To emerge as a transnational competitive financial conglomerate of significance to societies

and be the pride of India.

Mission:-

Explore and enhance the quality of life of people through financial security by providing

products and services of aspired attributes with competitive returns and by rendering

resources for economic development.

LIC Product Portfolio:-

Children Plans Jeeevan Anurag


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CDA Endowment Vesting at 21 CDA Endowment Vesting at 18 Jeevan Kishore Child Career Plan Child Fortune Plus Marriage Endowment or Educational Annuity Plan Jeevan Chhaya Child future Plan

Money Back Plans Jeevan Varsha The Money Back Policy-20 years The Money Back Policy-25 years Jeevan Surabhi-15 Years Jeevan Surabhi-20 Years Jeevan Surabhi-25 Years Bima Bachat

Plans for Handicapped Dependents Jeevan Aadhar Jeevan Vishwas

Endowment Assurance Plans The Endowment Assurance Policy


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The Endowment Assurance Policy-Limited Payment Jeevan Mitra (Double Cover Endowment Plan) Jeevan Mitra (Triple Cover Endowment Plan) Jeevan Anand New Janraksha Plan Jeevan Amrit

Special Money Back Plan for women Jeevan Bharti-1

Whole Life Plans The Whole Life Policy The Whole Life PolicyLimited Payment The Whole Life PolicySingle Premium Jeevan Anand Jeevan Tarang

Unit Linked Plans Market PlusI Profit Plus Fortune Plus Money Plus-I Child Fortune Plus


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Pension Plans Jeevan Nidhi Jeevan Akshay-VI New Jeevan Dhara-I New Jeevan Suraksha-I

Term Assurance Plans Two year Temporary Assurance Plan The Convertible Term Assurance Policy Anmol Jeevan- 1 Amulya Jeevan -1


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HDFC Standard Life Insurance Ltd.

Introduction:-

HDFC Standard Life Insurance Company Limited. is one of India's leading private insurance

companies, which offers a range of individual and group insurance solutions. It is a joint

venture between Housing Development Finance Corporation Limited (HDFC Limited),

India's leading housing finance institution and a Group Company of the Standard Life Plc,

UK. As on February 28, 2009 HDFC Ltd. holds 72.43% and Standard Life (Mauritius

Holding) 2006, Ltd. holds 26.00% of equity in the joint venture, while the rest is held by

others.

Our Key Strengths:-

Financial Expertise:-

As a joint venture of leading financial services groups, HDFC Standard Life has the financial

expertise required to manage your long-term investments safely and efficiently.

Range of Solutions:-

We have a range of individual and group solutions, which can be easily customized to

specific needs. Our group solutions have been designed to offer you complete flexibility

combined with a low charging structure.

Track Record So Far:-

Our gross premium income, for the year ending March 31, 2009 stood at Rs. 5,564.69 crores.

As on March 31, 2009, the company has more than 27 lakh polices in force.


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Our Vision & Values:-

Our Vision:-

The most successful and admired life insurance company, which means that we are the most

trusted company, the easiest to deal with, offer the best value for money, and set the

standards in the industry'. 'The most obvious choice for all':

Our Values:-

Values that we observe while we work:

Integrity Innovation Customer centric People Care One for all and all for one Team work Joy and Simplicity

Organizational Goals:-

HDFCs main goals are to:

a) Develop close relationships with individual households,b) Maintain its position as the premier housing finance institution in the country,c) Transform ideas into viable and creative solutions,d) Provide consistently high returns to shareholders,e) To grow through diversification by leveraging off the existing client base


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Standard Life Group (Standard Life plc and its subsidiaries):-

TheStandard Life Group has been looking after the financial needs of customers for over 180

years. It currently has a customer base of around 7 million people who rely on the company

for their insurance, pension, investment, banking and health-care needs. Its investment

manager currently administers 125 billion in assets. It is a leading pensions provider in the

UK, and is rated by Standard & Poor's as 'strong' with a rating of A+ and as 'good' with a

rating of A1 by Moody's. Standard Life was awarded the 'Best Pension Provider' in 2004,

2005 and 2006 at the Money Marketing Awards, and it was voted a 5 star life and pensions

provider at the Financial Adviser Service Awards for the last 10 years running. The '5 Star'

accolade has also been awarded to Standard Life Investments for the last 10 years, and to

Standard Life Bank since its inception in 1998. Standard Life Bank was awarded the 'Best

Flexible Mortgage Lender' at the Mortgage Magazine Awards in 2006.

Why HDFC Standard Life?

There are many reasons why one may choose HDFC Standard Life Insurance

Company Ltd. as your partner in meeting your insurance needs:

a) Innovative products to meet your needs.b) Efficient customer service team.c) Good financial track record of both parentsHDFC and Standard Life.d) Certified Financial Consultants to advise you.e) Professional approach in managing your investments.

f) Income Tax benefits for our insurance products.

Products of HDFC standard life insurance:-

Individual


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Group Social

Individual Products: We have a varied range of Products that you can choosefrom to suit all your needs. These will help secure your future as well as the future

of your family. Our individual products are as follows:-

Protection Plans:-

You can protect your family against the loss of your income or the burden of a loan in

the event of your unfortunate demise, disability or sickness. These plans offer valuable

peace of mind at a small price. Our Protection range includes our Term Assurance

Plan & Loan Cover Term Assurance Plan.

Investment Plans:-

Our Single Premium Whole of Life planis well suited to meet your long term investment

needs. We provide you with attractive long term returns through regular bonuses.

Pension Plans:-

Our Pension Plans help you secure your financial independence even after retirement.

Our Pension range includes our Personal Pension Plan, Unit Linked Pension, Unit

Linked Pension Plus.

Savings Plans :-

Our Savings Plans offer you flexible options to build savings for your future needs such as

buying a dream home or fulfilling your children immediate and future needs. Our Savings

range includes Endowment Assurance Plan, Unit Linked Endowment, Unit Linked

Endowment Plus, Unit Linked Endowment Plus II, Money Back, Unit Linked Enhanced Life


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Protection II, Children's Plan, Unit Linked Young Star, Unit Linked Young Star Plus, Unit

Linked Young Star Plus II.

Group Products:-

We now offer the following group products to our esteemed corporate clients:

Group Term Insurance Group Variable Term Insurance Group Unit-Linked Plan

Social Product:-

Development insurance plan

Development Insurance plan is an insurance plan which provides life cover to members of a

Development Agency for a term of one year. On the death of any member of the group

insured during the year of cover, a lump sum is paid to those member beneficiaries to help

meet some of the immediate financial needs following their loss.


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ICICI Prudential Life Insurance Company Limited

ICICI Prudential Life Insurance Company Limited was incorporated on July 20, 2000.The

authorized capital of the company is Rs.2300 Million and the paid up capital is Rs.1500

Million. The Company is a joint venture of ICICI (74%) and prudential plc UK (26%). The

Company was granted Certificate of Registration for carrying out Life Insurance business, by

the Insurance Regulatory and Development Authority on November 24, 2000. It commenced

commercial operations on December 19, 2000, becoming one of the first few private sector

players to enter the liberalized arena.

The Company is now operational in Agra, Ahmadabad, Ajmer, Allahabad, Amritsar,

Aurangabad, Bangalore, Bhatinda, Bhopal, Bhubaneswar, Chandigarh, Chennai, Coimbatore,

Dehradun, Goa, Guntur, Gurgaon,Greater Noida, Hyderabad, Hubli, Indore, Jaipur,

Jalandhar, Jamnagar, Jamshedpur, Jodhpur, Kanpur, Karnal, Kochi, Kolakata, Kota,

Kottayam, Lucknow, Ludhiana, Madurai, Mangalore, Meerut, Mumbai, Nagpur, Nasik,

Noida, New Delhi, Patiala, Pune, Rajkot, Ranchi, Surat, Thane, Thrissur, Trichy,

Trivandrum, Vadodara, Vashi, Vijaywada. Till March 31,2002 the Company has issued

100,000 polices translating into a Premium Income of around Rs. 1,200 Million and a sum

assured of over Rs.15,000 Million. The Company recognizes that the driving force for

gaining sustainable competitive advantage in this business is superior customer experience

and investment behind the brand. The Company aims to achieve this by striving to provide

world-class service levels through constant innovation in products, distribution channels and

technology based delivery. The Company has already taken significant steps to achieve this

goal.


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Prudential Plc:-

Prudential Plc was founded in 1848. Since then it has grown to become one of the largest

providers of a wide range of savings products for the individual including life insurance,

pensions, annuities, unit trusts and personal banking. It has a presence in over 15 countries,

and caters to the financial needs of over 10 million customers. It manages assets of over US$

259 billion (Rupees 11, 39,600 crore approx.) as of December 31, 1999. Prudential plc has

had its presence in Asia for the past 75 years catering to over 1 million customers across 11

Asian countries. Prudential is the largest life insurance company in the United Kingdom. Asia

has always been an important region for Prudential and it has had a presence in Asia for over

75 years. In fact Prudential's first overseas operation was in India, way back in 1923 to

establish Life and General Branch agencies. In the US, Prudential owns Jackson National

Life, one of the leading life insurance companies. Prudential controls approximately 4% of all

the listed shares on the second largest stock exchange in the world, the London Stock

Exchange, making it one of the largest institutional investors in the UK. Prudential is focused

on the Internet generation and is one of the first financial service organizations to use the

Internet on a fully integrated basis. In October 1998, Prudential launched a "branchless" bank

based on the internet. Unusually titled as " egg:|". The bank has in a short span of its

existence become a leading banking service provider in the UK. Infect in the first six months

of its existence it garnered over 5 billion (US$ 8 billion) in deposits from over 500,000

customers.

Development of superior products and services that offer value for money and security while

producing superior financial returns enables Prudential to maximize the value of its

shareholder's investment and to establish lasting relationships with customers and policy

holders. ICICI and Prudential came together in 1993 to provide mutual fund products in India


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and today are the largest private sector mutual fund company in India. The two companies

bring together two of the strongest financial service brands in Asia known for their

professionalism, excellent quality of service and long term commitment.

PRODUCTS OF ICICI PRUDENTIALP:-

Insurance Solutions for Individuals:-ICICI Prudential Life Insurance offers a range of innovative, customer centric products that

meet the needs of customers at every life stage. Its products can be enhanced with up to 4

riders, to create a customized solution for each policyholder.

Savings & Wealth Creation Solutions:

Save'n'Protect is a traditional endowment savings plan that offers life protection alongwith adequate returns.

Cash Back is an anticipated endowment policy ideal for meeting milestone expenses likea child's marriage, expenses for a child's higher education or purchase of an asset. It is

available for terms of 15 and 20 years.

Lifetime Super & Lifetime Plus are unit-linked plans that offer customers the flexibilityand control to customize the policy to meet the changing needs at different life stages.

Each offer 6 fund options - Preserver, Protector, Balancer, Maxi miser, Flexi Growth and

Flexi Balanced.

Life Link Super is a single premium unit linked insurance Plan which combines lifeinsurance cover with the opportunity to stay invested in the stock market.

Premier Life Gold is a limited premium paying plan specially structured for long-termwealth creation.


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Invest Shield Life New is a unit linked plan that provides premium guarantee on theinvested premiums and ensures that the customer receives only the benefits of fund

appreciation without any of the risks of depreciation.

Invest Shield Cash back is a unit linked plan that provides premium guarantee on theinvested premiums along with flexible liquidity options.

Protection Solutions:

Lifeguard is a protection plan, which offers life cover at low cost. It is available in 3options - level term assurance, level term assurance with return of premium & single

premium.

Home Assure is a mortgage reducing term assurance plan designed specifically to helpcustomers cover their home loans in a simple and cost-effective manner.

Child Plans:-

Education insurance under the Smart Kid brand provides guaranteed educational benefits to a

child along with life insurance cover for the parent who purchases the policy. The policy is

designed to provide money at important milestones in the child's life. Smart Kid plans are

also available in unit-linked form - both single premium and regular premium.

Retirement Solutions:-

Forever Life is a traditional retirement product that offers guaranteed returns for the first4 years and then declares bonuses annually.

Lifetime Super Pension is a regular premium unit linked pension plan that helps oneaccumulate over the long term and offers 5 annuity options (life annuity, life annuity with

return of purchase price, joint life last survivor annuity with return of purchase price, life

annuity guaranteed for 5,10 and 15 years & for life thereafter, joint life, last survivor

annuity without return of purchase price) at the time of retirement.

Life Link Super Pension is a single premium unit linked pension plan.


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Immediate Annuity is a single premium annuity product that guarantees income for lifeat the time of retirement. It offers the benefit of 5 payout options.

Health Solutions:-

Health Assure and Health Assure Plus: Health Assure is a regular premium plan whichprovides long term cover against 6 critical illnesses by providing policyholder with

financial assistance, irrespective of the actual medical expenses. Health Assure Plus

offers the added advantage of an equivalent life insurance cover.

Cancer Care: is a regular premium plan that pays cash benefit on the diagnosis as well asat different stages in the treatment of various cancer conditions.

Diabetes Care: Diabetes Care is a unique critical illness product specially developed forindividuals with Type 2 diabetes and pre diabetes. It makes payments on diagnosis on any

of 6 diabetes related critical illnesses, and also offers a coordinated care approach to

managing the condition. Diabetes Care Plus also offers life cover.

Hospital Care: is a fixed benefit plan covering various stages of treatment hospitalisation, ICU, procedures & recuperating allowance. It covers a range of medical

conditions (900 surgeries) and has a long term guaranteed coverage up to 20 years

Group Insurance Solutions: ICICI Prudential also offers Group Insurance Solutions forcompanies seeking to enhance benefits to their employees.

Group Gratuity Plan: ICICI Prudential's group gratuity plan helps employers fund theirstatutory gratuity obligation in a scientific manner. The plan can also be customized to

structure schemes that can provide benefits beyond the statutory obligations.

Group Superannuation Plan: ICICI Prudential offers both defined contribution (DC)and defined benefit (DB) superannuation schemes to optimize returns for the members of

the trust and rationalize the cost. Members have the option of choosing from various


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annuity options or opting for a partial commutation of the annuity at the time of

retirement.

Group Immediate Annuities: In addition to the annuities offered to existingsuperannuation customers, we offer immediate annuities to superannuation funds not

managed by us.

Group Term Plan: ICICI Prudential's flexible group term solution helps provideaffordable cover to members of a group. The cover could be uniform or based on

designation/rank or a multiple of salary. The benefit under the policy is paid to the

beneficiary nominated by the member on his/her death.


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Bajaj Allianz Life Insurance Ltd.:-

THE COMPANY:-

BAJAJ Allianz Life Insurance Company is a joint venture between two leading

conglomerates, Bajaj Auto Limited, one of largest manufactures of motorcycles and

scooters in the world, and Allianz AG of Germany one of the largest insurance companies.

Bajaj Allianz Life Insurance Co. Ltd. Was incorporated on 12th March 2001. The company

received the Insurance Regulatory and Development Authority (IRDA) certificate of

Registration (R3) No 116 on 3rd August 2001 to conduct Life Insurance business in India.

Bajaj Allianz Shareholder Capital Base stands at Rs. 500 crore with Bajaj Auto Limited and

Allianz AG of Germany holding 74% and 26% stake respectively. It is the largest private

player in the Insurance Industry in India with a market share of around 34% amongst the

private companies and second to LIC.

Bajaj Auto Limited:-

Bajaj Auto Ltd, the flagship company of the Rs. 8000 crore Bajaj group is the largest

manufacturer of two-wheelers and three-wheelers in India and one of the largest in the world.

A household name in India, Bajaj Auto has a strong brand image & brand loyalty

synonymous with quality & customer focus. With over 15,000 employees, the company is a

Rs. 4000 crore auto giant, is the largest 2/3- wheeler manufacturer in India and the 4th largest

in the world. AAA rated by Crisil, Bajaj Auto has been in operation for over 55 years. It has

joined hands with Allianz to provide the Indian consumers with a distinct option in terms of

life insurance products.

As a promoter of Bajaj Allianz Life Insurance Co. Ltd., Bajaj Auto has the following to offer


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Financial strength and stability to support the Insurance Business. A strong brand-equity. A good market reputation as a world class organization. An extensive distribution network. Adequate experience of running a large organization. A 10 million strong base of retail customers using Bajaj products. Advanced Information Technology in extensive use. Experience in the financial services industry through Bajaj Auto Finance Ltd.Allianz AG:-

Founded in 1890 in Berlin, Allianz is now present in over 70 countries with almost 174,000

employees. At the top of the international group is the holding company, Allianz AG, with its

head office in Munich. Allianz AG is in the business of General (Property & Casualty)

Insurance; Life & Health Insurance and Asset Management and has been in operation for

over 110 years. Allianz is one of the largest global composite insurers with operations in over

70 countries. Further, the Group provides Risk Management and Loss Prevention Services.

Allianz has insured most of the world's largest infrastructure projects (including Hong Kong

Airport and Channel Tunnel between UK and France), further Allianz insures the majority of

the fortune 500 companies, besides being a large industrial insurer, Allianz has a substantial

portfolio in the commercial and personal lines sector, using a wide variety of innovative

distribution channels.

ALLIANZ AG- A GLOBAL FINANCIAL POWERHOUSE

Worldwide 2nd by Gross Written Premiums - Rs.4, 46,654 cr. 3rd largest Assets Under Management (AUM) & largest amongst Insurance cos. -

AUM of Rs.51, 96,959 cr.


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12th largest corporation in the world 49.8 % of global business from Life Insurance Established in 1890, 110 yrs of Insurance expertisePRODUCTS PROFILE:-

Unit Linked Plan :-

New family gain New unit gain plus New unit gain premier

Traditional plan:-

Invest gain Cash gain Child gain

Retirement Solutions:-

Swarna visranthi New unit gain easy pension plus

Health Plan:-

Care first Health care

Term Plan:-

Risk care Term care


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OBJECTIVE OF THE STUDY


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Importance of the study


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Scope of the study


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Research Methodology`Research`

Research is a purposeful investigation. It is a scientific & systematic search for knowledge &

intimation on a specific topic research is use full & research objective can be achieved if it is

done in propose process

Methodology

The world methodology spell the meaning itself if the method used by the researches in

obtaining information. The data (information can be collected from primary sources &

secondary sources.) By primary data we mean data collected by researches himself for the

first time to collaborate the data which has previously not been used is known as primary data

By secondary data we mean the data collected from various published matters, a Magazine

newspapers status of previous research report etc. In other words we can say that the data

which as already been used your different purpose by different people is known as secondary

Primary data can be collected through questionnaire and personal interview as for as concern

my research is limited to dealers personality Secondary data are collected from the various

books journals new spapereditional expert suggestions web sites & internet & etc. Research is

a common language refers to a search of knowledge. Research is scientific & systematic

search for pertinent information on a specific topic, infect research is an art of scientific

investigation. Research Methodology is a scientific way to solve research problem. It may be

understood as a science of studying how research is doing scientifically. In it we study

various steps that are generally adopted by researchers in studying their research problem. It

is necessary for researchers to know not only know research method techniques

The scope of Research Methodology is wider than that of research methods .


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The research problem consists of series of closely related activities. At times, the first step

determines the native of the last step to be undertaken. Why a research has been defined,

what data has been collected and what a particular methods have been adopted and a host of

similar other questions are usually answered when we talk of research methodology

concerning a research problem or study. The project is a study where focus is on the

following points:

RESEARCH DESIGN-

A research design is defined, as the specification of methods and procedures for acquiring the

Information needed. It is a plant or organizing framework for doing the study and collecting

the data. Designing a research plan requires decisions all the data sources, research

approaches, Research instruments, sampling plan and contact methods.

Research design is mainly of following types: -

1.

Exploratory research.

2. Descriptive studies3. Experimental

EXPLORATORY RESEARCH

The major purposes of exploratory studies are the identification of problems, the more precise

Formulation of problems and the formulations of new alternative courses of action. The

design of exploratory studies is characterized by a great amount of flexibility and ad-hoc

veracity.

DESCRIPTIVE STUDIES

Descriptive research in contrast to exploratory research is marked by the prior formulation of

specific research Questions. The investigator already knows a substantial amount about the


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research problem. Perhaps as a Result of an exploratory study, before the project is initiated.

Descriptive research is also characterized by a Preplanned and structured design.

EXPERIMENTAL DESIGN:-

A casual design investigates the cause and effect relationships between two or more

variables. The hypothesis is tested and the experiment is done. There are following types of

casual designs:

I. After only designII. Before after designIII. Before after with control group designIV. Four groups, six studies designV. After only with control group design.VI. Consumer panel designVII. Exposit facto design


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B) DATA COLLECTION METHOD

PRIMARY SECONDARY

Direct personal Interview

Indirect personal Interview

Information from correspondents Govt. publication

Mailed questionnaire Report Committees & Commissions

Question filled by enumerators. Private Publication

Research institute

PRIMARY DATA

These data are collected first time as original data. The data is recorded as observed or

encountered. Essentially they are raw materials. They may be combined, totaled but they

have not extensively been statistically processed. For example, data obtained by the peoples.

SECONDARY DATA

Following are the main sources of secondary data:

Official Publications. Publications Relating to Trade: Journal/ Newspapers etc.: Data Collected by Industry Associations:

UnpublishedPublished


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Unpublished Data: Data may be obtained from several companies, organizations,working in the same areas like magazines.

Period of Study: This study has been carried out for a maximum period of 4 weeks.

Area of study: The study is exclusively done in the area of marketing. It is a process

requiring care, sophistication, experience, business judgment, and imagination for which

there can be no mechanical substitutes.

Sampling Design: The convenience sampling is done because any probability sampling

procedure would require detailed information about the universe, which is not easily

available further, it being an exploratory research.

Sample Procedure: In this study judgmental sampling procedure is used. Judgmental

sampling is preferred because of some limitation and the complexity of the random sampling.

Area sampling is used in combination with convenience sampling so as to collect the data

from different regions of the city and to increase reliability.

Sampling Size: The sampling size of the study is 100 users.

Method of the Sampling

Probability Sampling

It is also known as random sampling. Here, every item of the universe has an equal chance or

probability of being chosen for sample.

Probability sampling may be taken inform of:

Simple Random Sampling A simple random sample gives each member of the

population an equal chance of being chosen. It is not a haphazard sample as some people

think! One way of achieving a simple random sample is to number each element in the

sampling frame and then use random numbers to select the required sample. Random


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numbers can be obtained using your calculator, a spreadsheet, printed tables of random

numbers, or by the more traditional methods of drawing slips of paper from a hat, tossing

coins or rolling dice.

Systematic Random Sampling

This is random sampling with a system! From the sampling frame, a starting point is chosen

at random, and thereafter at regular intervals.

Stratified Random Sampling

With stratified random sampling, the population is first divided into a number of parts or

'strata' according to some characteristic, chosen to be related to the major variables being

studied. For this survey, the variable of interest is the citizen's attitude to the redevelopment

scheme, and the stratification factor will be the

values of the respondents' homes. This factor was chosen because it seems reasonable to

suppose that it will be related to people's attitudes.

Cluster and area Sampling

Cluster sampling is a sampling technique used when "natural" groupings are evident in a

statistical population. It is often used in marketing research. In this technique, the total

population is divided into these groups (or clusters) and a sample of the groups is selected.

Then the required information is collected from the elements within each selected group. This

may be done for every element in these groups or a sub sample of elements may be selected

within each of these groups.

Non Probability Sampling

It is also known as deliberate or purposive or judge mental sampling. In this type of sampling,

every item in the universe does not have an equal, chance of being included in a sample.


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It is of following type:

Convenience SamplingA convenience sample chooses the individuals that are easiest to reach or sampling that is

done easy. Convenience sampling does not represent the entire population so it is considered

bias.

Quota SamplingIn quota sampling the selection of the sample is made by the interviewer, who has been given

quotas to fill from specified sub-groups of the population.

Judgment SamplingThe sampling technique used here in probability > Random Sampling.

The total sample size is 100 profiles.

I have selected Probability sampling method for this research study.

Data Collection: - Data is collected from various customers through personal interaction.

Specific questionnaire is prepared for collecting data. Data is collected with more interaction

and formal discussion with different respondents and we collect data about investment

pattern of people by face to face contact with the persons from whom theinformation is to be

obtained (known as informants). The interviewer asks them questions pertaining to the

survey and collects the desired information.


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Which business newspaper do you prefer to read?

Table- 1

Particular No of respondent Percentage

Economic times 40 40%

Business Standard 60 60%

Total 100 100%

Chart- 1

0%

10%

20%

30%

40%

50%

60%

Economic times Business Standard

40%

60%


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Analysis-After the survey the researcher found that 100% respondent use Food oil and 0% says no.

Interpretation-

The above analysis shows that most of the respondents use Food oil.


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Findings

In every project report it is considered to be an important part to find and analyze all the facts

and figures been produced by the research work. It helps in drawing out final conclusions and

reaching at a final result or to find the solution of the problem for which the research is being

done. In the project the survey is been carried out on the food oil in Ghazipur city.


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Recommendations

After completion of the Survey work the surveyor came to some conclusions which could

help in preference food oil in Ghazipur City. This is helpful in future development of the food

oil market. The following points come in the suggestion parts which came after the analysis

and conclusion of the survey:-

Further Survey in this area after a span of years time would be worthwhile to dobecause the food oil markets are not stable.

A survey based on food oil market in Ghazipur city and new environment may become in future.

The company should improve the quality of the product.

The company should improve its promotional activities through advertisement, freegifts coupons etc. Since the price of the product is also an important factor which

influence the purchasing decision so the company should design the products price

according to the customer affordance level.

Company should instruct the sales representatives not to make extra ordinarycommitments on behalf of the company for sale.

The distribution channel should be arranged according to the convenient of thecustomer.


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Conclusion

From the above study it can be concluded that food oil is performing well in the existing

market condition in the area of Ghazipur, but the market of Ghazipur is highly competitive

and there is a scope of huge improvement with the changing scenario an marketing condition

of less developed area of Ghazipur, so there is an extensive need of improving company

image and better utilization of resources to utilize the market potential.

The results of current time are satisfactory but the company should try to attract more

customers towards the company.

From above analysis and survey we can conclude as follows:


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Limitation

The time available to conduct the study is little; it being a wide topic has a limitedtime.

Limited resources are available to collect the information about the human resourcedevelopment.

Market is so much volatile and it is difficult to forecast anything about it whether youtrade online or offline.

Some of the aspects may not be covered in my study, its gives knowledge about Foodoil market and environmental small prospects and its challenges.

In a rapidly changing industry, analysis on one day or in one segment can change veryquickly. The environmental changes are vital to be considered in order to assimilate

the findings.

The foremost limitation is regarding the sources of information. The informationcontained has been obtained from sources believed to be reliable and in good faith,

but which may not be verified independently.

The limitation is that some of the calculations are based on certain assumptionsconsidered appropriate.


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Using several statistical tools derives the estimates. Hence the findings obviouslycarry all the limitations of the statistical tools used.

Same sets of data from different sources are different. Since not all the data areavailable from a single source, an attempt has been made to standardize the data

wherever required, which is essential to maintain uniformity throughout the project.

The aggregate figures for various parameters are subject to exclusion or inclusion ofvarious constituent variables. While sincere efforts are made to ensure the absence of

mismatch, the extent to which this can be done is limited.


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Bibliography & References

Books Referred :-

A Srikanth and AnupMenon (2003)Index Futures - the Scope of Arbitrage. Alan C. Shapiro (2000), Prentice- HallMultinational Financial Management. Bansal M., Bansal N. (2003) - Derivatives & Financial Innovations, Bombay Stock

Exchange.

Bharti V (1999).Pathak, Pearson EducationIndian Financial System. Blaxter (1997)How to Research. David Silverman (2000)Do Qualitative research. Dr. NarendraJhadav (2000)Indian Banking. Donald S. Tull and Del I. Hawkins (1993)- Marketing Research E. Sirisha (2001)Stock Market Derivatives: Role of Indices ( 2ndEdition) Flower (1985)How to collect Data. G R K Murty (2000)Indian Derivatives Market: Issues at Stake. Hathaway (1995)Qualitative VS Qualitative research analysis. Hull J. (1995)Introduction to Futures and Options Market (1st Edition). J Marlowe (2000)Hedging Currency Risk and Options and Futures.


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Journals Referred:-

Dhingra G. (2010), An understanding of financial derivatives of financial

derivatives, The Chartered Accountant, March

Kandathil C.(2009), Indian Derivatives Markets Structural Issues,, CharteredFinancial Analyst, December

Gulati S. (2011)CurrenyOptions, Chartered Financial Analyst, November Sisodiya A.S.(2008)Credit Derivatives: Is Indian Banking Sector Ready, Chartered

Financial Analyst, July

Website Referred:-

Web1 Derivative Definition (Online) (Cited on 27thApril 2013) Available from

Web 2 Definition of Forward Contract (Online) (Cited on 29thApril 2006) Availablefrom

Web 2 Definition of Forward Contract (Online) (Cited on 30thApril 2006) Availablefrom

Web 3 Definition of Futures Contract (Online) (Cited on 1 thMay2006) Available from

Web 4 Definition of Futures Contract (Online) (Cited on 2 thJuly 2006) Availablefrom

NSE & BSE home page.


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