SUMMER

INTERNSHIP REPORT

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 SUMMER INTERNSHIP REPORT
A report submitted in partial fulfillment of the requirements for the
award of degree of

Bachelors in commerce
MITHARYA PVT. LTD.

DURATION- FROM 1ST NOV TO 10th DEC 2023

SUBMITTED BY:

NAME: ANUSHKA TRIPATHI

EXAMINATION ROLL NO:2110722010007

SUBMITTED TO: MR.JAI SHANKAR SHUKLA SIR

SUPERVISOR

SHERWOOD COLLEGE OF
PROFESSIONAL MANAGEMENT
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INTERNSHIP
CERTIFICATE

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4
DECLARATION

I hereby declare that matter embodied in this project work

entitle "An Internship Report on
the Customer Relationship Management of MITHARYA PVT
LTD" Is uniquely prepared by me after completion of 40 days
Internship.
This has to be undertaken for the purpose of partial fulfillment
of b.com. at department of commerce SHERWOOD COLLEGE
OF PROFESSSIONAL MANAGEMENT LUCKNOW.

SIGNATURE OF CANDIDATE

………………
ANUSHKA TRIPATHI
ROLL NUMBER-2110722010007

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 ACKNOWLEDGEMENTS
I express my sincere thanks to MY SUPERVISOR MR.JAI SHANKAR
SHUKLA SIR, for the effort in installing confidence and enthusiasm in
me at every stage and providing the opportunity to do the project and
also co-operation, without which this Endeavour would not have been
possible, my project guide who has supported me by his guidance for
this project work, timely and aptly. And I also thank to other faculty,
librarian, friends, and relatives. I also thank the HR employees of
mitharya pvt ltd., lucknow, who directly and indirectly supported me. My
gratitude will not be complete if I do not than the Almighty and my
loving parents who have been supportive throughout the project

Anushka Tripathi

………………

ROLL NUMBER-2110722010007

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TABLE OF CONTENT

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 TABLE OF CONTENTS
o About the internship organization
o Introduction of project
o About the work profile
o Work experience
o Key learnings
o Challenges faced during internship
o Conclusion
o Future scope
o Bibliography

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ABOUT THE
INTERNSHIP
ORGANISATION

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 Executive Summary

The title of my project is Customer profiling and Customer relationship management:-

It involves implementing tools and technique of Customer profiling and Customer relationship management for
generating revenue for the company

Project includes identifying the customer, gathering information about the customer and finally providing
him/her with a product or service which is need driven an promoting a Customer-oriented
product/service providing successful Customer support, handling Customer complaints, building
a long term relationship. The project reveals the importance of Customer profiling and Customer
relationship management for generating revenues for the organization

I am profiling the employees of Emphasis for Mitharya pvt ltd. As per my schedule for the purpose
of profiling the Customers I have used the primary sources of data which has been planned by the
use of questionnaires. Employees were asked to fill up the questionnaire to facilitate Customer
profiling

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Introduction

Relationship with customers has existed since the advent of trade and business. Companies that need customers in
order to build a profit need to have a system in place that effectively and successfully manages the /Customer
relationship. Customer profiling and Customer Relationship Management has become a strategic initiative in most
companies today. Customer profiling and Customer relationship management enables an organization capability to
manage and nurture its one to one relationship with its customers. In order to generate Customers and to maintain
good relations with them organizations are realizing the importance of Customer profiling and Customer relationship
management. Moreover companies are more attentive for relationship building due to growing competition to attract
customers.

Scope of the project

Customer profiling involves identifying the customer, gathering information about the customer
and finally providing him/her with a product or service which is need driven. The information could relate
to age, gender , occupation, income, status, lifestyle, savings etc. After the process of
Customer profiling comes Customer relationship management

Customer Relationship Management systems are also important to the top management because it provides crucial
data like customer satisfaction and efficiency of service by the frontline crews.

Customer Profiler helps organization find new customers for the business. It will extract people and/or businesses
that match the profile of the current customers.

This will provide with a list of prospective customers As the economy is growing, the demands and expectations
of the customers are also growing at a much faster rate, so the need is to concentrate on the needs and requirements
of the various customers and accordingly deliver superior product or service qualities which fulfills the
customer expectations, it is the customer service levels that really matters and this is where customer relationship
management (CRM) plays an important role.CRM is a strategy that is desired to develop a stronger relationship with
customers, especially the most profitable ones

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Object of the project :- The aim of the project is also identify future scope of Customer profiling and customer
relationship management (CRM) ,the project also includes studying various CRM methods and technique which a
particular company adopts to attach the new customer for example use of technology, use of software for building
CRM and have a firm relation with the custom object includes

o To understand the need of the corporate Customers for the company

o To identify the optimal customers

o To analyze the buying patterns and behavior and gain a greater understanding of consumer motivations

o To analyze the factor that affect customer relationship with organization

o To recommend the company the ways for maintaining long term relationship with the Customer

Scope of the study:- By applying profiling techniques, an organization can fully exploit data about customers
buying patterns and behavior and gain a greater understanding of consumer motivations. Customer Profiling helps
to dramatically increase response rates of marketing campaigns by micro targeting the right customer with the right
product. Businesses today are using profiling to reduce fraud, to anticipate demand, to increase new customer
acquisition and customer loyalty. Customer profiling is also used to develop lifelong relationships with Customers
by anticipating and fulfilling their needs. Consumers appreciate a personal touch and something they can act on.
When the message matches the need, the conversion rates for sales can skyrocket.

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Industry Analysis &Analysis of Indian Financial Sector:- Reveals that it is at present going
through a phase of stable growth rate which is experiencing a upward swing. The rise can be maintained over a long
period the inflation down. The financial sector in India has experienced a growth rate of 8.5% per annum. The rise
in the growth rate suggests the growth of the economy. The financial policies and the monetary policies are able to
sustain a stable growth rate.

The reforms pertaining to the monetary policies and the macroeconomic policies over the last few years have
influenced the Indian economy to the core. With sustained deregulatory measures, exposure to international financial
markets and the introduction of new products and services, the Indian financial sector is charting an impressive
growth path. According to global research data from Macquarie, India is the most preferred stock market in terms
of portfolio allocation owing to current lucrative valuations and the government fiscal measures taken to boost
liquidity in the economy. With sustained deregulatory measures, exposure to international financial markets and the
introduction of new products and services, the Indian financial sector is charting an impressive growth path.
According to global research data from Macquarie, India is the most preferred stock market in terms of portfolio
allocation owing to current lucrative valuations and the government fiscal measures taken to boost liquidity in the
economy

The market is also expected to undergo structural transformation with organized players increasing their market
share. As a measure to ease the present liquidity situation and boost market volumes, the Securities and Exchange
Board of India (SEBI) will be allowing cross-margining norms to all the participants in the market. In a previous
move in May 2008, SEBI had permitted institutional investors to avail this facility. According to SEBI, "In order to
improve the efficiency of the use of the margin capital by market participants, it has now been decided to revise the
existing facility of cross-margining and to extend it across cash and derivatives segments to all categories of market
participants."In a recent move, the government has permitted liquidity support for non- banking finance companies
(NBFCs) through a subsidiary of state-run lender Industrial Development Bank of India (IDBI). The liquidity
support would be worth approx. US$ 3.94 billion US$ 4.93 billion and can be utilized by the NBFCs only to repay
active liabilities.

The measure is expected to look after the liquidity needs of the NBFCs for around the first six months of
2009.According to a MasterCard survey, Mumbai leads the pack of strategically important commercial centre in

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emerging nations, ahead of Shanghai and Kuala Lumpur."In terms of financial services environment, Mumbai ranks
one among all 65cities covered by the index. It received the top score in the dimension of banking services and
currency exchange regulations, and ranked highly on the volume of financial services traded," said the report. In all,
eight cities from India found a place in the list. Furthermore, foreign pension funds are bullish on India, with over 40
such funds (endowments and university and family foundations) getting registered with the SEBI, during the last
few months. One of the reasons for this was the simplification of regulations by SEBI.

Future of Indian Financial Service Sector: India’s financial services sector will enjoy generally
strong growth during coming years, driven by rising personal incomes, corporate restructuring, financial sector
liberalization and the growth of a more consumer-orient

Credit -oriented culture. This should lead to increasing demand for financial products, including consumer loans
(especially for cars and homes), as well as for insurance and pension products. India’s financial services sector is
expected enjoy generally strong growth during coming years, driven by rising personal incomes, corporate
restructuring, financial sector liberalization and the growth of a more consumer-oriented, credit-oriented culture. This
is expected to lead to increasing demand for financial products, including consumer loans (especially for cars and
homes), as well as for insurance and pension products.

Opportunities for the financial sector of India- The distributed financial gain of the venture capital
funds is not taxed. The financial gains are taxed after the investors receive as income
o The have more insurance and banking products introduced into the market to broaden the spectrum which
in turn would boost the growth of the sector
o Further nullification of the regulations have to take place in order to increase the competition and boost the
growth of the financial sector to reach the US$ 51 billion mark

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About the work
profile

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Company Analysis:- Mitharya pvt ltd is one of the leading financial services company in India. Its current
businesses include investment banking, securities broking, and investment management. It provides a wide range of
services to corporations, institutional investors and high net-worth individuals.

Evolution of the company: The Mitharya pvt ltd Group is a conglomerate of 31 entities including
28Subsidiaries and 2 Associate companies, engaged in the business of providing financial services, primarily linked
to the capital markets.

Mitharya pvt ltd Capital Limited (www.mitharya.com), incorporated on 21st November 1995,
today has emerged as one of India’s leading diversified financial services group. The Mitharya pvt
ltd Group offers one of the largest range of products and services spanning varied asset classes and
diversified consumer segments. The Group’s product offerings are broadly divided into Investment
Banking, Brokerage Services, Asset Management and Financing. The company’s research driven
approach and consistent ability to capitalize on emerging market trends has enabled it to foster
strong relationships across corporate, institutional and HNI Customers. Mitharya pvt ltd Group
now employs over 300 employees, leveraging a strong partnership culture and unique model of
employee ownership. It operates through 12 offices in 6 cities in India. Mitharya pvt ltd has
recently completed the acquisition of Anagram Capital Limited which adds 139 offices, 122
franchise offices and over 1300+ sub-brokers to its operations and enables it to enlarge its retail
footprint. The Mitharya pvt ltd Group is now a conglomerate of 4 entities including 3 Subsidiaries
and 1 Associate companies (June ‟10), which are engaged in the business of providing diverse
financial services. It is a listed company since December 2007 under the symbols: MITHARYA
PVT LTD, : and Bloomberg: EDEL.IN.

Board of Directors:- The Mitharya pvt ltd Board comprises of three independent directors
and one non-independent non-executive director out of a total of 3 directors, each of whom brings
in his own expertise in diverse areas.

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These are the following Stages:-

o 2000 Acquisition of Cross border Investments Private Limited

o 2001 F & O license obtained in the year 2001

o 2002 NBFC registration of Cross border Investments Private Limited

o Acquisition of Rooshnil Securities Private Limited

o 2004 Commencement of Commodity Broking

o 2005 Commencement of Insurance Broking

o 2006 NBFC registration of ECL Finance Limited

o 2006 Managed the first Qualified Institutional Placement under the new regulatory
framework in India.

o 2006 Advised the first AIM listing of a listed Indian corporate.

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o 2007 Clearing Member License

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Work experience

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SERVICES PROVIDED BY THE COMPANY

Equities:

Company believes in fast, efficient, quality-based service with immediate execution

and the timely pay-in/pay-out of deliveries and funds, resulting in substantial cost savings for our
customers. Our processes have been developed so as to maximize customer benefits with
personalized services.

Derivatives:

Derivatives (Futures & Options) are ideal instruments to protect your portfolio
against risk. You can trade with index movements, hedge and leverage your portfolio
by limiting risk but keeping your upside unlimited.

Depository Services:

In the times of T+2 working days having a demat account linked to Customer
trading account becomes really convenient. The non-trading Customers also can
avail of their Depository services. Customer can receive regular account reports
and an efficient service at all times.

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Mutual Fund Distribution:

Based on Customer risk appetite, investment horizon and Customer’s

existing investments company will suggest investment in mutual fund
schemes, which are best, suited.

The fund and scheme selection is done after an in-depth research on parameters like risk-adjusted
returns, rolling returns, volatility and portfolio churn. Company provides a mature and long-term
view on mutual fund investments.

Internet Trading:

Company also provides internet trading facility through BSEWEBX.

New Issues:

IPO bidding facilities are available & Customers can apply for new issues
through company.

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Online Back office:

Customers can view their contract notes, bills and ledgers through company
website.

About the product:- EQUTIY AND DEBT FUNDS

As per the schedule in the first two weeks I got the product knowledge and the various schemes which are to be
provided to the various Customers to maintain a long term relationship which in others refers to CRM from the
company. The product includes:
Investment Account ± It is a product which provides the investors with a platform of getting a Demat account,
trading account, information’s regarding mutual funds floating in the market and information regarding the various
insurance floating in the market

Facilities included in investment account:-

o It includes Mutual fund investment

o Annual maintenance cost free for two years

o Online portal- www.edelblue.com

o Offline trading facilities

o Toll free number

o Personalized Dealer

o Relationship manager (RM)

o Free mobile tips

o Daily market report, weekly report and monthly report

o Transaction charges nil in Intraday and delivery

o No depository participant charges

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 o 75% margin holding.

various schemes of Investment Account: 1250 Plan:In this, customers have to pay amount worth
Rs.1250. These charges are for account opening. And six month brokerage free, turnover
200000.Features:

There is no minimum margin compulsory for investment.

Subscription Broker charge Validity Turnover

Amt.
1250 0.045/0.45 6 months 200000
2450 0.04/0.4 1 year 1000000
4950 0.03/0.3 1 year 2500000
7450 0.25/.25 1 year 5000000
9950 0.02/.2 1 year 10000000

REASONS FOR INVESTING IN EQUITY FUNDS:-

o Your money needs to generate much higher returns to secure your retirement:-

Connect the dots of your ages, your 30s/ 40s or 50s and they WILL connect to 60,70 and
even 80. You will turn old one day. And you will not want to depend on someone then,
even your kids. The good news is that you can start today and build sizeable savings by -
50% the time you retire.

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 The chart shows how saving at a more than average rate of 20% can make your savings
increase substantially over the next 20 years. By how much? A 1 lakh savings today can
increase to close to Rs. 40 lakhs by the time you are ready to hang up your boots.

The trick is not to be satisfied with the 5% or 10% returns and hunt for investments that
can give you above average returns. Your search ends here.

• Equity markets can give the returns needed to secure your future:- The graph below shows
that returns generated by the Sensex over the past 20 year period have been a healthy 15%.
This while the Indian economy grew at 3-4% for more than half that 150% period. Going
forward, this growth is targeted to be 6-8%, now you know why we are optimistic about the
equity markets.

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 If you have been wary of investing in equity funds because
of the risk involved, we have some news for you…

• Historical data proves that investing in the Equity market becomes less risky in the long
term

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 As shown above, the peaks and troughs of returns can be mellowed by remaining invested for
the long term. The historical analysis shows how the maximum and minimum returns
generated by the Sensex behave from 1 year to 20 years.

But you may be a complete beginner and may know nothing about how to invest. Fortunately,
there are collections of investors called Mutual funds that have professional fund managers
that invest in the stock market collectively on behalf of investors.

Introduction of Mitharya pvt ltd comtrade:_

o EFA agent will contact you either by telephone, or by tracking registrations on

website regarding Commodities

o Upon agreeing on a face to face meeting, the form along with details such as
brokerage, lot sizes, volumes traded etc will be communicated to the Customer

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 o This communication happens via the dealer or Relationship Manager who will
handle the Customer, he is also responsible for ensuring the form gets filled up
correctly and is responsible for follow ups which may be required

Service Tax @ Brokerage

10.3% on %
Plan Subscription
Number Amount Rs subscription Total Amount Rs Validity

1 2500 258 2758 12 months 0.03

2 5000 515 5515 12 months 0.03

3 10000 1030 11030 12 months 0.025

4 25000 2575 27575 12 months 0.02

5 50000 5150 55150 12 months 0.015

6 100000 10300 110300 12 months 0.01

7 250000 25750 275750 12 months 0.005

Overall timeline:- Lead Generation (Varies)

o Lead Assignment and Activation (48 Hours)

o Form Filling and Submission (24 Hours)
o Verification by Branch and Submission to Ahmedabad (24 Hours)
o Verfication by Ahmedabad and Reverting (48 Hours)
o Customer Code Generation / Activation of UCC / Verification of UCC by
Exchange / Activation on Terminals (48 Hours)
o Total Time – 192 Hours – 8 Days

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o KEY LEARNING OF
THE PROJECTS

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Learning from the Project:-

o Start early
o Keep some cash aside
o Decide how much risk you can tolerate
o Bear in mind that inflation will eat into your savings
o Think carefully about how long you will be investing for
o Invest regularly
o Spread your money across a range of investments
o Choose your funds carefully
o Remember that time not timing is the key to successful investing
o Don’t let the Sensex guide your senses
o Review your investments

In detail, we can understand these easily:

o Start early:- The sooner one invests, the more time his money will have to grow. If he
delays, he will almost certainly have to invest much more to achieve a similar result e.g. if
you started investing Rs. 5,000 a month on your 40th birthday, in 20 years time you would
have put aside Rs. 12 lakhs. If that investment grew by an average of 7% a year, it would
be worth Rs. 25,52,994 when you reach 60.

o Keep some cash a side:- It is always a good idea to have some money in a deposit account
in case of emergencies. Enough to cover three months living expenses is often a rough
guide to how much you need and make sure you can withdraw it when you need to, without
penalties. The following may be the reasons for which you might need your money at short
notice:
• making a major purchase,
• taking an unplanned holiday,
• seeing you through an emergency such as sudden hospitalization or job loss etc.

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o Decide how much risk you can tolerate:- There is no point having a stock market
investment you are going to lose sleep every time share prices go through a rough patch.
It’s vital that you are realistic about your appetite for risk – an Investment Adviser may be
able to help you decide how much risk you can tolerate. Peter Lynch, Vice Chairman of
Fidelity Management & research Company has expressed his opinion as “In many ways,
the key organ for investing is the stomach, not the brain. What is your stomach going to do
when an investment your brain selected declines for a year or two?”

o Bear in mind that inflation will eat into your savings:- Returns on risk – free cash
investments may sound respectable, but when you subtract the current rate of inflation you
may not be so impressed. For significant long – term grow you need to make your money
work a little harder e.g. if you have Rs. 10,000 in a savings account earning 3% interest
each year, in 20years time, your savings would be worth Rs. 18,061. That’s a return of just
over 80%. However, if inflation is about 7%, Rs. 18,061 would only be worth Rs. 4,688 in
today’s terms

o Think carefully about how long you will be investing for:- Only look at the stock market
if you are prepared to put your money away for five or ten years, or perhaps even longer.
If you are likely to need your money any sooner, keep it in a lower – risk investment so
there is less chance of a fall in value just before you make a withdrawal. As Peter Lynch,
Vice Chairman of Fidelity Management & Research Company has said earlier “If you are
going to need money within the near future to pay college tuition or put a down payment
on a house – the stock market is not the place to be. You can flip a coin over where the
market is headed over the next year. But if you are in the market for the long haul – five,
ten or twenty years – then time is on your side and you should stick to your long – term
investment plan.”

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o Invest regularly:- vesting regularly can be a great way to build up a significant lump sum.
You will also benefit from what is known as “Rupee Cost Averaging”. This means that, if
you are investing in a mutual fund, over the years you will pay the average price for units.
If the market goes up, the units you already own will increase in value. If it goes down,
your next payment will buy more units. This can be frequently understood at the time of
studying about the “Systematic Investment Plan”. The regular saver finishes the period
with an investment that is worth more than that of the lump sum investor – even though
the starting price, finishing price and average price are exactly the same. It sounds unlikely,
but it’s true.

o Spread your money across a range of investments:- It’s rarely a good idea to have all
your eggs in one basket. Depending upon your goals and your attitude to risk, you will
probably want to spread your money across different types of investment – equities, bonds
and cash. You may also want to diversify within each of these categories.

The principle of diversification holds true within equities as well. Investing across
a range of companies, sectors and even markets ensure that you are not reliant on the
performance of any one type of equity and hence, do not run the risk of having “all your
eggs in one basket”.
Diversification within equities should ideally be considered at three levels:
• Across stocks
• Across sectors
• Across markets

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 Type Of
Advantage Disadvantages
Asset

Interest rates are variable and

High level of security
currently very low

Cash High liquidity The best rates may only be

available on special terms or for
Interest will always be paid larger amounts

Interest is set in advance and paid

regularly The bond issuer may default on
interest payments or be unable
The value of the bond in the open to make the final payment
market may go up
Bonds
Paying interest on bonds is a
The value of a bond in the open
higher priority than paying
market may go down
dividends on shares

Equities can increase Equities can also fall

significantly in value significantly in value

Equities It’s very difficult to predict

Dividends can increase as
what will happen in the short
company profits increase
term

o Choose your funds carefully:- You should select investments on the basis of what is right
for your personal circumstances and goals. If you are deciding on a mutual fund to invest
in, don’t opt for the one that is the flavor of the month, unless you are sure it will be right
for your needs in the years to come. And don’t assume that all funds investing in Indian
equities are essentially the same – look at the details of what a fund invests in and check if
you are comfortable with its investment style and objectives.

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 2006 2007 2008 2009 2010
Industry Sector
(%) (%) (%) (%) (%)

Info. Technology (BSE IT Index) -37.2 -39.4 4.1 23.0 24.7

Public Sec. Utilities (BSE PSU Index) -37.0 -4.2 73.9 144.2 11.6

Capital Goods (BSE CG Index) -35.9 -19.6 47.8 167.8 27.2

Consumer Goods (BSE FMCG Index) -7.2 -10.9 -11.4 35.4 -6.9

COMPOUNDED ANNUALISED RETURNS

60%
Actively managed funds
50% BSE Sensex

40%

30%

20%

10%

0%
1 Year 3 Years 5 Years 9 Years

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 Over each of these periods, actively managed funds have outperformed the Sensex. Over a five
year period this out performance has been quite substantial – more than four times better than
the index. This is the benefit of active management.

Active fund mangers make their own decisions about which shares to buy. Some use statistical
analysis, others follow fashion. A good fund manager will choose stocks on the basis of thorough
research, seeking companies with the potential of reward investors.

For the greatest long term growth potential you could simply invest all your money in
equity mutual funds, right from the start of your investing period to the end. But, of course,
this would be a high risk strategy. The markets could dip just before you need the money.
That’s why you need to think about changing your portfolio over time. You may want to aim
for strong growth in the early years, and then, as the years go by, lock in any gains you have
made and move into lower risk investments, such as bonds. As you get closer to needing your
money, lower risk bond and cash investments could become your emphasis.
.

25 Years to go 10 Years to go 5 Years to go

Bonds Equities Cash Bonds Equities Cash Bonds Equities Cash

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 AGGRESIVE PORTFOLIO
2%
18%

80%

Equity Fixed Income Cash

MODERATE PORTFOLIO
3%

37%

60%

Equity Fixed Income Cash

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 CONSERVATIVE PORTFOLIO

6%

35%
59%

Equity Fixed Income Cash

Another way to ascertain the right asset allocation is by looking at your life cycle. The basis of this
theory lies in the simple maxim that younger people with secure jobs will normally opt for higher
returns and take higher risks compared to older retired people. One must remember that these are
only indicative strategies and will probably have to be fine-tuned to meet your individual needs.

Age Main Objectives Portfolio Strategy

Aggressive Growth – Sow the seeds, 50% - Growth Funds

20-29 plan for housing and create a safety 30% - Balanced Funds
cushion 20% - Money Markets / Cash

45% - Growth Funds

Growth – Save for housing, children’s
30% - Balanced Funds
30-39 expenses (present and future – education
05% - Blue Chip Stocks
etc.) and safety cushion
20% - Money Markets / Cash

Growth – Children’s expenses (present

40-49 and future – education etc.) and safety 40% - Growth Funds

cushion 30% - Balanced Funds

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 10% - Blue Chip Stocks
20% - Money Markets / Cash

30% - Growth Funds

Retirement – Save for retirement and 40% - Balanced Funds
50-59
build on safety cushion 10% - Blue Chip Stocks
20% - Money Markets / Cash

10% - Balanced Funds

15% - Income Funds
Safety – Preserve investments/ savings 10% - Blue Chip Stocks
60-69
and opt for minimal growth 20% - Dividend Stocks
30% - Certificates of Deposits
15% - Money Markets / Cash

70 30% - Income Funds

Safety – Preserve investments/ 25% - Dividend Stocks
&
savings 35% - Certificates of Deposits 10% -
Above Money Markets / Cash

Effective sales time:- Since market conditions is improving its important to capturethose
Customers who are not active due to bad financial

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Challenges faced
during the
internship

o Training program:-

Roles & responsibility as a intern:-

o Duration of the training:-The duration my training was 30 days at Mitharya pvt ltd.

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 o Object of training:- Main Object:- To develop a Customer network for the Mitharya pvt
ltd broking limited

• Secondary objects:- To understand the business development process of the organization

o To relates various theoretical concept of finance studied in the class room to real
market situation
o To learn the art of convincing and negotiating and how to achieve the expected
result

Responsibility as a student intern:- As a summer internship my responsibility are as follow

o To visit a corporate house and sell Dmat account,

o Learn how to initiate trader pitch, handover the business to company what I get.
o Callings to their existing Customers and solving the problems
o Retaining of Customer through cross selling of product

Scope and duties assigned:- I have visited the following area for Customer network
development.

o Sikar road
o Pratap nagar
o Tonk road
o C- scheme

Corporate Customer- Bosch company & forest department

o During the initial phase of my project I along with my team member searched for the corporate Customers.
We searched for prospective corporate Customer’s thorough internet and reference. We got contact
numbers of many companies through internet. Our first approach with the company was telephonic. With
the continuous search we were able to crack

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 o Bosch company & forest department :- which is one of the company in sitapura (industrial area)
& another one in c-scheme jaipur

Retail Customers:- For the retail Customers I focused on Employees of Mphasis &
TelePerphormencewhich is a call centre in Indore. Mphasis, an EDS company, is a leading ± Applications
Services, Remote Infrastructure Services, BPO and KPO services provider. We deliver real improvements in
business performance for Customers through a combination of technology know-how, domain and process
expertise. With currently over 24,000 people on the roles, we service Customers in Financial Services, Healthcare,
Communications, Transportation, Consumer & Retail industries

New knowledge acquired:-

o Get an exposure to the different function of the organization and understand how they are
perfomed and coordinate

o How to relates various concept studied in the class room to real organization enviorment

o Relationship building with industrial people

o All over the practical exposure of the corporate world

Problem encountered:- Due to the nature of product-higly risky as well as in price. It became
a arise difficulty to sell the product across a large territory

• Shortage of time

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• Limited area

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CONCLUSION

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Conclusions:-

After going through all the aspects of Customer profiling and Customer relationship management,
it can be inferred that Customer profiling and Customer relationship management is very much
necessary to survive in the fiercely competitive market. In order to give Customers the best product
and maximum satisfaction, it is indispensable to do their profiling first. Customer Profiling helps
in finding new customers for business. It will extract people and/or businesses that match
the profile of our product. For example, we wouldn't try to sell a fur coat to an animal activist or a
pack of cigarettes to a health advocate.

Therefore Customer profiling should be first thing to be done by Mitharya pvt ltd before
approaching any of the Customer. Customer profiling is one of the best prospecting tools. By
applying profiling techniques, you can fully exploit data about customers buying patterns and
behavior and gain a greater understanding of consumer motivations. Customer Profiling helps to
dramatically increase response rates of your marketing campaigns by micro targeting the right
customer with the right product.

I applied the concept of Customer profiling and I used it to profile the employees of Mphasis Tele
Perphormence. Accordingly I approached them with the product that suits them best. Customer
Relationship management also helped me to build long term relations with my customers. This
kind of harmonious relationship will further bring new business opportunities to Mitharya pvt ltd
in the form of new Customers. Through continuous follow up of Customers

I could built personal and healthy relationship with my Customers. With the economy showing
signs of consolidation and recovery, it is now even more important for Mitharya pvt ltd to attract
new customer as the market is expected to-do well in coming months. To do so it is of utmost
importance for Mitharya pvt ltd to use Customer profiling and Customer relationship management.

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Future scope

During my project I came across certain aspects about Mitharya pvt ltd. These aspects are as
follows:

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More accessibility- Mitharya pvt ltd has only one branch in rajasthan. In order to increase its reach
Mitharya pvt ltd needs have more no. of branches so that as much as Customers can be converted
into new business opportunities.

More promotional activities- Since Mitharya pvt ltd has recently started its retail broking
business; it needs to aggressively make itself aware to the common public. Although Mitharya pvt
ltd has done well in HNI sector, but to do well in retail sector it needs to do more of the promotional
activities.

Customized Seminars for working persons :- As per my experience with Bosch company&
forest department prospective Customers are busy in their own job. Most of the retail Customers
are either employed or professionals who don’t have time to think about investment planning.
Mitharya pvt ltd needs to cater to their needs by arranging seminars on weekends, so that
prospective Customers can command gain insight about the company and investment avenues.

If you know absolutely anything about investing, and then you have probably heard of mutual
funds. The one investment vehicle that has truly come of age in India in the past decade is mutual
funds. Today, the mutual fund industry in the country manages around more than Rs 100,000 crore
of assets, a large part of which comes from retail investors. And this amount is invested not just in
equities, but also in the entire gamut of debt instruments. Mutual funds have emerged as an
alternative for investing in avenues that are out of reach of most retail investors, particularly
government securities and money market instruments.

The popularity of mutual funds may be relatively new but not their origin which dates back to 18th
century.

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Mutual fund means a fund established in the form of a trust to raise money through the sale of
units to the public under one or more schemes for investing in securities including money market
instruments

Mutual Fund is a trust that pools the savings of a number of investors who share a common
financial goal. The money thus collected is then invested in capital market instruments such as
shares, debentures and other securities.

The income earned through these investments and the capital appreciations realized are shared by
its unit holders in proportion to the number of units owned by them.

Thus a Mutual Fund is the most suitable investment for the common man as it offers an opportunity
to invest in a diversified, professionally managed basket of securities at a relatively low cost.

The flow chart below describes broadly the working of a mutual fund:

FUNDS SCHEMES: -

There are a myriad of different mutual funds.

The Investment Company Institute (ICI) is an association for mutual funds that classifies the many
types of funds. Essentially, there are three basic types of mutual funds: equity funds, fixed-income
funds and money-market funds. If you are not completely sure what classification a mutual fund
belongs to, check its beta co-efficient.

The funds with the higher betas will probably be aggressive growth funds (equity or stock
funds), and those with lower betas will be fixed-income funds.

• By Structure

o Open - Ended Schemes

o Close - Ended Schemes
o Interval Schemes

• By Investment Objective

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 o Aggressive Growth Schemes
o Growth fund
o Income Schemes
o Balanced Schemes
o Bond fund
o Money Market Schemes

• Other Schemes

o Tax Saving Schemes.

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BIBLIOGRAPHY

BIBLIOGRAPHY

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Book-inside the decade that transform well decades by
Jonathan a. knee
Journal- business world, business today
Newspaper– the economics times,
Business standard
Website-www.mitharya.com
Www.google.mitharya.com//cc

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