PROJECT REPORT ON

MARKET SCOPING OF FINANCIAL PRODUCTS

IN
INDIA INFOLINE FINANCE LIMITED
UNDER THE GUIDANCE OF
MR.V.N. KULKARNI

SUBMITTED IN PARTIAL FULFILMENT OF THE

REQUIRMENT OF
MASTER OF MANAGEMENT STUDIES

BY
AKSHAY JOSHI
STUDENT ID NO: - 2014160247
MMS- II

DON BOSCO INSTITUTE OF MANAGEMENT AND RESEARCH

KURLA (WEST), MUMBAI- 400070

PROJECT REPORT ON

INDIA INFOLINE FINANCE LIMITED

MARKET SCOPING OF FINANCIAL PRODUCTS

IN

INDIA INFOLINE FINANCE LIMITED

UNDER THE GUIDANCE OF

MR.V.N.KULKARNI
SUBMITTED IN PARTIAL FULFILMENT OF THE
REQUIREMENT OF
MASTER OF MANAGEMENT STUDIES
BY
AKSHAY SHARAD JOSHI
STUDENT ID NO: - 2014160247
MMS- II
YEAR 2014-2016

DON BOSCO INSTITUTE OF MANAGEMENT AND RESEARCH

KURLA (WEST), MUMBAI-400070

SUMMER INTERNSHIP PROJECT

INDIA INFOLINE FINANCE LIMITED

CERTIFICATE

INDIA INFOLINE FINANCE LIMITED

This is to certify that the project work titled MARKET SCOPING OF

FINANCIAL PRODUCTS is a summer internship work carried out by
Mr.Akshay Joshi.
The project was completed for India Infoline Finance Limited, under the
guidance of Mr.Jai Prakash Singh.
I further certify that the said work has not been submitted in the part or in
full, to any other University.

Date: 31st July 2015

Mr. V.N.Kulkarni

Dr.S.Ramchandarn

Project Guide

Dean,
(Don Bosco Institute Of Management & Research)

DECLARATION

INDIA INFOLINE FINANCE LIMITED

I, Mr.Akshay Joshi, student of Don Bosco Institute of Management

and Research of MMS II hereby declare that I have completed the
summer internship project on MARKET SCOPING OF FINANCIAL
PRODUCTS with (INDIA INFOLINE FINANCE LTD.) in the
Academic year 2014-2016. The information submitted is true and
original to the best of my knowledge.

AKSHAY JOSHI

ACKNOWLEDGEMENT

INDIA INFOLINE FINANCE LIMITED

This project bears imprint of all those who have directly or indirectly helped and
extended their support in completing this project
At this time of making this report I express my sincere gratitude to all of them. I
would like to express my sincere gratitude to Mr.Chirag Doiphode (Territory
Manager) and Mr. Jai Prakash Singh (Branch Manager) for giving me this
opportunity to undergo this lucrative project with India Infoline Finance Ltd at
IIFL Gold Loan Bandra West.
I would also thank IIFL Gold Loan employees and customers, whom I met during
this course of project, for their support and for providing valuable information,
which helped me, complete this project successfully.
I am very grateful to Dr.S.Ramachandran, Dean, Prof. Conrad Saldanha, Principal
Advisor, Fr. Mario Vaz, Executive Director of Don Bosco Institute of
Management and Research, for giving me the opportunity to do this project in
India Infoline Finance Limited
I would also like to thank MR.V.N.Kulkarni for being an excellent mentor and
helping me whenever I approached him/her.

EXECUTIVE SUMMARY

INDIA INFOLINE FINANCE LIMITED

The title of the Project done at India Infoline Finance Limited is Market Scoping of
Financial Products with special reference to IIFL Gold Loan Bandra Branch.
There are many reasons why customer expectations are likely to change over time.
Process improvements, advancement of technology, changes in customer priorities, improved
quality of service provided by competitors are just few of the examples
In todays competitive world there are many goods chasing few customers and some are
trying to expand their size and their share of the existing market. As a result there are losers and
winners. Winners are those who carefully analyze needs identify opportunities and create aloe
rich offers for target customer.
The objective of the market research is to determine the demand and supply and the use
of the product and competitors study as so to get the total market scenario of the product for
analyzing market problem research is needed.
The type of Research was qualitative research. Qualitative Research is collecting,
analyzing and interpreting data by observing what people do and say. The sources of information
for the study were primary and secondary data. The questionnaire was prepared and administered
to collect the relevant primary data. The data collection method was based on a survey form
which was provided.

OBJECTIVES AND RESEARCH DESIGN

INDIA INFOLINE FINANCE LIMITED

To study and analyze the awareness level of customers regarding different financial
investments and loan products

The main objective of this project is to understand what is gold loan, to study the gold
loan process at branch level.

To find out the competitive position of India Infoline Finance Limited, and the ways and
means to improve on the service by India Infoline Finance Limited.

RESEARCH DESIGN

Type of Design: Exploratory Research Design

Sources of Data: Primary and Secondary Data

Research Equipment: Questionnaire

Sampling Technique: Non Probability technique

Sample Size: 50

INDEX
SR.NO

CONTENTS

PAGE NO

1
2
3
4

Introduction

1-4

IIFL Corporate Structure and Vision

5-7

CSR Initiatives by IIFL

IIFL Businesses

INDIA INFOLINE FINANCE LIMITED

5
6
7
8
9
10
11
12
13
14
15
16
17
18
19
20
21
22
23
24
25
26

Gold and Indian Society

10

Gold Demand and Price Movement

11-13

Gold Market in India

14-15

Personal Loan Vs Gold Loan

16-17

Gold Loan-Its Safeguards

18-20

Carat And Karat

21

Product Features of Gold

22

IIFL-Gold Loan

23

Advantages of Gold Loan

24

RBI Guidelines for NBFCs

25

How is Gold Valuated At the Bank

26-27

Gold Loan Branch Process

28-30

Competitors

31

NBFC Marketing

32-33

All products at IIFL Finance Limited

34-36

Research Methodology

37

Operational Learning

38-47

Limitations

48

Findings

49

Recommendations and Suggestions

50

Conclusions

51

Bibliography

52