bajaj capital 1

8/13/2019 Bajaj Capital 1

1/32

PROJECT REPORT

ON

IMPORTANCE OF LIFE INSURANCEIN

INDIVIDUAL FINACIAL PLANNING

AT

BAJAJ CAPITAL BHUBANESWAR SUBMITTED TO THE

INSTITUTE OF MANAGEMENT & INFORMATIONSCIENCE

IN PARTIAL FULFILLMENT OF

THE POST GRADUATE IN DIMPLOMA IN

MANAGEMENT

ByName: JYOTI RANJAN SAHOO

Roll.No: 12DM0 !Under The Gu d!n"e O#

Name o" #$e E%#e 'al G()*eSAMBIT $UMAR MOHANT%

&Br!n"h M!n!'er(Name o" #$e I'#e 'al G()*ePr)#*B*D*PANDA &A++,* -r)#e++)r (


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INTERNAL GUIDE CERTIFICATE

G()*e Name: P o". +.D. Pa'*a

De,)-'a#)o' : A,,#. o"e,,o .

Th + + ,) "er, #y ,h!, ,he -r).e", re-)r, en, ,/ed IMPORTANCE OF LIFE

INSURANCE IN INDIVIDUAL FINACIAL PLANNING h!+ 0een -re-!red

0y Mr J%OTI RANJAN SAHOO Under 1y +u-er2 + )n !nd 'u d!n"e3 #)r ,he

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EXAMINER CERTIFICATE

Th + + ,) "er, #y ,h!, ,h + - e"e )# 4)r5 en, ,/ed IMPORTANCE OF LIFE

INSURANCE IN INDIVIDUAL FINACIAL PLANNING +u01 ,,ed )n -!r, !/

#u/# /1en, #)r de'ree )# BBA + ! re")rd )# +,ud e+ !nd 0)n!# ed -r).e", 4)r5

"!rr ed )u, 0y Jy), R!n.!n S!h)) )# PGDM 6786 TO 6789 )# INSTITUTE OF

MANAGEMENT : INFORMATION SCIENCE*

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AC NO LEDGEMENT

I, + re!//y ! 're!, -/e!+ure ,) h!2e ,h + )--)r,un ,y ,) de+"r 0e ,he #ee/ n' )#'r!, ,ude 1-r +)ned n ,he ")re )# 1y he!r,*

I ")n2ey 1y + n"ere 'r!, ,ude ,) MR SAM+IT UMAR MOHANTY & BRANCH MANAGER ( #)r ' 2 n' 1e ,he )--)r,un ,y ,) -re-!re 1y -r).e",

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FINACIAL PLANNING

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neededStart by working out your goals in life, in the short, mediumand long term. Prioritise them, and think about the likely costof those goals and when you will need the money, so you canstart to plan your finances to work out how to achieve them.Dont forget you also have to plan for some of the hurdlesyou may have to overcome too. Its about getting organised;being in control of your finances rather than letting yourfinances control you. By -/!nn n' y)ur # n!n"e+ ,) 1ee, y)ur ')!/+ y)u 4 //

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19/32

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TYPE OF LIFE INSURANCE

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7. E'*o>me'# Pol)/

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n+ured #)r ! +-e" # " -er )d )# , 1e* In +u"h ,y-e )# ! / #e n+ur!n"e -)/ "y3 !#


21/32

,he nd 2 du!/ en.)y+ ,he / #e ")2er ,hr)u'h)u, h + )r her / #e*Under ,h + / #en+ur!n"e -)/ "y3 ,he -)/ "yh)/der -!y+ re'u/!r -re1 u1+ un, / h + de!,h3 u-)n4h "h ,he ")r-u+ + -! d ,) ,he #!1 /y* The -)/ "y d)e+ n), e


22/32

In "!+e )# de!,h dur n' ,he -)/ "y ,er13 ,he 0ene# " !ry 'e,+ ,he #u// +u1!++ured* Ne4 ULIP 2er+ )n+ )# 1)ney 0!"5 -)/ " e+ !re !/+) 0e n' )##ered 0y2!r )u+ / #e n+urer+*

The -re1 u1+ -! d !nd ,he re,urn+ !""u1u/!,ed ,h)u'h ! 1)ney 0!"5 -)/ "y )r,+ ULIP 2!r !n,+ !re ,!< e n' re,urn+* *

ULIP+ -r)2 de ,he #/e< 0 / ,y )# "h))+ n' #r)1 ! 2!r e,y )# #und )-, )n+de-end n' )n ,he "u+,)1er+ r +5 !--e, ,e* One "!n )-, #r)1 !''re++ 2e #und+& n2e+,ed /!r'e/y n ,he e u ,y 1!r5e, 4 ,h ,he )0.e", 2e )# h 'h "!- ,!/!--re" !, )n( ,) ")n+er2!, 2e #und+ & n2e+,ed n de0, 1!r5e,+3 "!+h3 0!n5de-)+ ,+ !nd ),her n+,ru1en,+3 4 ,h ,he ! 1 )# -re+er2 n' "!- ,!/ 4h /e

-r)2 d n' +,e!dy re,urn+(*

ULIP+ "!n 0e u+e#u/ #)r !"h e2 n' 2!r )u+ /)n'=,er1 # n!n" !/ ')!/+ +u"h !+ -/!nn n' #)r re, re1en,3 "h /d + edu"!, )n3 1!rr !'e e,"*

A''()#)e, a'* Pe',)o'

In ,he+e ,y-e+ )# / #e n+ur!n"e -)/ " e+3 ,he n+urer !'ree+ ,) -!y ,he n+ured !+, -u/!,ed +u1 )# 1)ney -er )d "!//y* The -ur-)+e )# !n !nnu ,y + ,) -r),e",

!'! n+, # n!n" !/ r +5+ !+ 4e// !+ -r)2 de 1)ney n ,he #)r1 )# -en+ )n !,re'u/!r n,er2!/+


23/32

RESULT

8*O""u-!, )n

)ovt.sector Pvt sector #ntrepreneur

others

*+ + -+ +

6*INCOME

less than /++++ /++++ to -++++ -++++ to0lakh

0lakh above

1- -- 1+ /+


24/32

* Are y)u !2! / n' L #e In+ur!n"e -)/ "y

2#S %!010 3

9* F)r h)4 1!ny ye!r+ y)u !re n,) ,he L #e In+ur!n"e

less than 0 year 0 year to /year

/year to above

3 4 *


25/32

* Fr)1 4h "h # n!n" !/ n+, ,u, )n !re y)u !2! / n' ,he -)/ "y

@*Wh "h -)/ "y d) y)u !re !2! / n'

I(I(I P ID#%5I'" 6!5'6 "I$#I%S& '%(#

"I( S7I "I$#I%S& '%(#

!58#

- /3 3 1 0/


26/32

5# 9 P!"I(2 (8I"D P"'% #%D!:%9#%5

&"IP Wh)/e L #eP)/ "y

Annu , e+ !ndPen+ )n

/4 // -/ 03 /- 01

*H)4 1u"h !1)un, )# L #e In+ur!n"e -re1 u1 y)u !re !2! / n'

"#SS 58'%0++++

0++++ 5!-++++

-++++ 5! 0"'68

0"'68 '%D '7! #

-3 1 /1 0

*R!,e y)ur )2er!// +!, +#!", )n /e2e/ 4 ,h ,he +"he1e

#


27/32

' # ')#

- 4* 1 / +

?*Are y)u +!, +# ed 4 ,h ,he +er2 "e+ y)u !re 'e,, n' #r)1 y)ur -re+en,L #e In+ur!n"e n+, ,u, )n =

2#S %!0-3 /


28/32

UESTIONNAIRE

De!r S r;M!d!1

I !1 ! ,r! nee !, B!.!. C!- ,!/ M!+,er C!n,een Br!n"h3 Bhu0!ne+4!r !nd -re+en,/y d) n' ! -r).e", )n I1-)r,!n"e )# L #e In+ur!n"e n Ind 2 du!/ F n!n" !/ P/!nn n'* I re ue+, y)u ,)

5 nd/y # // ,he ue+, )nn! re 0e/)4 !nd I !++ure y)u ,h!, ,he d!,! 'ener!,ed +h!// 0e 5e-,")n# den, !/ !nd )n/y 0e u+ed #)r 1y edu"!, )n!/ -ur-)+e*

N!1e =

Gender =

O""u-!, )n =

Annu!/ In")1e =

N)* )# 1e10er n y)ur h)1e =

T),!/ 1e10er+ n")1 n' n y)ur h)1e =

8* Are y)u !2! / n' L #e In+ur!n"e -)/ "y =

%e+ N)

Re!+)n =


29/32

6* F)r h)4 1!ny ye!r+ y)u !re n,) ,he L #e In+ur!n"e

Le++ ,h!n8ye!r 8 ye!r ,) 6ye!r

6ye!r !nd !0)2e

* Fr)1 4h "h # n!n" !/ n+, ,u, )n !re y)u !2! / n' ,he -)/ "y

ICICI PRUDENTIAL $OTA$ LIFE INSURANCE

LIC SBI LIFE INSURANCE

O,her+ -/e!+e +-e" #y =

9* Wh "h -)/ "y d) y)u !re !2! / n'

Ter1 -)/ "y End)41en, Wh)/e L #e P)/ "y

Ch /d P/!n ULIP Annu , e+ !nd Pen+ )n

O,her+ -/e!+e +-e" #y =

Wh "h -r)du", d) y)u !re !2! / n' #r)1 ,h + -)/ "y

* H)4 1u"h !1)un, )# L #e In+ur!n"e -re1 u1 y)u !re !2! / n'

Le++ ,h!n87777 87777 ,) 7777

7777 ,) 8L!5h 8 L!5h !nd !0)2e

@* H)4 1u"h !1)un, )# +u1 !++ured !re y)u !2! / n'


30/32

* Are y)u +!, +# ed 4 ,h ,he +er2 "e+ y)u !re 'e,, n' #r)1 y)ur -re+en, L #e In+ur!n"en+, ,u, )n =

%e+ N)

* R!,e y)ur )2er!// +!, +#!", )n /e2e/ 4 ,h ,he +"he1e

E


31/32

2. A'al #)/al Re,ea /$

An!/y, "!/ re+e!r"h ,!5e+ de+"r -, 2e re+e!r"h )ne +,!'e #ur,her 0y +ee5 n' ,)e


32/32

h,,- ;;,y-e+)# n+ur!n"e*)r';

444*!

bajaj capital 1

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