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CERTIFICATE

SWAMI RAMANAND MARATHWADA UNIVERSITY, NANDED

SCHOOL OF COMMERCE AND MANAGEMENT SCIENCES

This is to certify that Mr Narsing.S. Nimmanwad student of School of

Commerce & Management Sciences. S.R.T.M.U. NANDED pursuing his

MBA (Finance) has worked under my guidance and supervision on her

Work entitled Reliance Money To the best of my knowledge this is her

own work carried by her satisfactorily in the academic year 2009-2010

H.O.D Guide

Dr. J.V.Joshi Dr. Mrs. V.N. Laturkar

Faculty member, placement Coordinator


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ACKNOWLEDGEMENT

This report bears the imprint of many people. Right from the experienced staff of

Reliance Money, to the staff ofSWAMI RAMANAND TEERTH MARATHWADAUNIVERCITY,NANDED without whose support and guidance I would have not gotthe unique opportunity to successfully complete my internship in this esteemedorganization.

I take this opportunity to express my deep gratitude to all the employees of, RelianceMoney,NANDED. Also I am indebted for the rich guidance, knowledge and suggestionsprovided by my guide, Mr.Ameen Jassani who took sincere efforts and illustrated theonline trading of Financial Products, with their vast knowledge in the field, which

helped me in carrying out my internship.

I am gratified to Dr.Mrs. V.N. Laturkar for their earnest coordination owing to which,I had the leg-up of undertaking the internship at the prominent organization, RelianceMoney Pvt ltd.

Last but not least, I also thank all those people whom I met in the industry during myinternship and helped me to accomplish my assignments in the most efficient andeffective manner.

Narsing.S.Nimmanwad

M.B.A. IV sem .(Finance)


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INTRODUCTION:-

Reliance money is a part of the reliance Anil Dhirubai Ambani Group and is promoted

by Reliance capital, the fastest growing private sector financial services company in

India, ranked amongst the top 3 private sector financial companies in terms of net worth.

Reliance money is a comprehensive financial solution provider that enables you to carry

out trading and investment activities in a secure, cost-effective and convenient manner.

Through reliance money, you can invest in a wide range of asset classes from Equity,

Equity and commodity Derivatives, Mutual Funds, insurance products, IPOs to availing

services of Money Transfer & Money changing.

Reliance Money offers the convenience of on-line and offline transactions through a

variety of means, including its Portal, Call & Transact, Transaction Kiosks and at its

network of affiliates.

Some key steps of the company that are as..

Success is a journey, not a destination. If we look for examples to prove this quote

then we can find many but there is none like that of Reliance Money. The company

which is today known as the largest financial service provider of India.


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OBJECTIVE OF THE TRAINING

Frankly speaking, any job or the task, have the specific objective i.e. what is need and

what is the requirement of the particular work. In the same way my objective is also to

learn something from the summer internship program. It means that the training program

in any reputed company give the market knowledge of its subject matter of study.

The right choice of the company in which a student has to do the training is also the part

of the learning and what he/she wants to learn in the summer training.

In the short span since the insurance sector was opened up, many companies have

literally dictated the markets evolution. Catering to all age and income segments, the

company stated out with the traditional insurance policies that were easy to understand,

the idea was to entice customers used to LICs style of functioning.

Reliance money began exploring new areas; it introduced modern products, like Unit-

linked Product where return are linked to the market performance of the underlying

assets.

Reliance Money leads and virtually all parameters; size of agent force, number of

policies sold, total sum, total sum assured, premium income and productivity of agents it

has set exacting standards for its range of products, riders offered, quality of information

in promotional material and even in the insurance awareness events organized.

What has been in favor of Reliance Money is the range of product in each

segment of life insurance-traditional, unit-linked and single premium option, that are for

retirement plan or child plan. With such a comprehensive bouquet, it caters to the

financial goals of a customer. Reliance Money a growing reputed company give the

good platform in selling of the product like insurance, Equity & commodities,

derivative, IPOs, offshore investment, mutual fund, gold coins etc.

So the objective of study is to see in the basket of product and satisfaction of

customers with the company through research work in Bokaro.


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EXECUTIVE SUMMERY

This project has been a great learning experience for me; at the same time it gave me

enough scope to implement my analytical ability.

The first part gives an insight about the Demat Account, Life Insurance, General

Insurance and mutual funds and theirs various aspects. It is purely based on whatever I

learned at Reliance Money. One can have a brief knowledge about mutual funds and all

its basics through the project. Other than that the real servings come when one moves

ahead. Some of the most interesting questions regarding these products have been

covered. Some of them are:

Why has it become one of the largest financial intermediaries?

How investors do chose between funds and these products?Most popular stocks among fund managers, most lucrative sectors for fund managers, a

special report on Systematic Investment Plan, does fund performance persists and the

topping of all the servings in the form of portfolio analysis tool and its application.

All the topics have been covered in a very systematic way. The language has been kept

simple so that even a layman could understand.

All the quarries of the customer asked by them had been solved with the support of the

seniors in the organization. The problems of the customer were being recorded for the

purpose of the research and development.


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SCOPE OF THE STUDY

The scope of the study refers to the job that to know about the activities of the

organization. The study means that the analysis of the products of the company on which

he/she has to focus.

During the summer training the volunteer need to find out the corporate strategies of the

running company and the mile stone which the company has covered during its journey.

In the summer training, it is necessary for the student that he /she involve with the

experience guys to get the knowledge about the company. That is how the company has

got the success, Or if it is going in the loss, why.

In my training period I have found that the reliance group is the biggest group in Indian

companies. I felt that I can learn the more in the Reliance Life Insurance Limited.

Reliance Life Insurance Limited is the part of the Reliance Capital Limited which is a

growing company in the financial products.

Reliance Anil Dhirubhai Ambani group is also deals in communication, energy, natural

resources, media, and entertainment, healthcare and infrastructure.


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Mission statement:

Our mission is to be a leading and preferred service provider to our customers,

and we aim to achieve this leadership position by building an innovative,

enterprising , and technology driven organization which will set the highest

standards of service and business ethics.

Vision of Reliance Money

To achieve & sustain market leadership, Reliance Money shall aim for complete

customer Satisfaction, by combining its human and technological resources, to provide

world class quality services. In the process Reliance Money shall strive to meet and

exceed Customers satisfaction and set industry standards.


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BUSINESS OVERVIEW

Reliance Capital has interests in asset and mutual funds, life and general insurance,

private equity and proprietary investments, stock broking, depository services,

distribution of financial products, consumer finance and other activities in financial

services.

Reliance Mutual Fund is India's no.1 Mutual Fund. Reliance Life Insurance is India's

fastest growing life insurance company and among the top 4 private sector insurers.

Reliance General Insurance is India's fastest growing general insurance company and the

top 3 private sector insurers. Reliance Money is the largest brokerage and distributor of

financial products in India with more than 2.5 million customers and the largest

distribution network. Reliance Consumer finance has a loan book of over Rs. 8,000

crores at the end of June 2008.

Reliance Capital has a net worth of Rs.6, 862 crores (US$ 1.6 billion) and total assets of

Rs. 19,940 crores (US$ 4.6 billion) as of June 30, 2008 and over 26,000 employees.

Money has increased its market share among private financial companies to nearly

Convenient & effective Anytime & anywhere financial transaction capability.

Launched in April 2007. It provides the Flat fees system. It has 2.2 million customers in

1 year of official launch. It has over 5,000 outlets across 700 towns/cities. Average daily

turnoverin excess of Rs 2,000 crores.

Considering the entire life market, including the Rs. 12,890 crores booked by life

insurance Corporation, Reliance life insurance market share works out to around 6.25%.

The life insurance market continuous to be dominated by LIC which has about 67%

share this only a marginal dip from its 73% share in end-July. These comparisons are

only for first year or new business premium.

The gap between Reliance life insurance and the second-in-line private insurer is vast. In

fact, this scenario has led some analysts to wonder if the company is not a trifle too


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aggressive. But others say this has more to do with the companies customer-centric

focus, its pan-India presence and superior risk management and investment strategies.

Reliance Money is not, however, resting on its laurels.

Companys customer centric approach will be studied during the training period and the

finding of the research work will definitely focus on the present condition & future

requirement (if any) relating to products of company.

PARTNERS PF THE COMPANY


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PRODUCTS OF THE COMPANY

Reliance Life Insurance

Demat Account Services

Reliance Mutual Funds

Reliance General Insurance


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Reliance Life Insurance

Reliance Life Insurance, a part of the Reliance - Anil Dhirubhai Ambani Group is India's

fastest growing life insurance company and among the top 4 private sector life insurers.

Reliance Life Insurance has a pan India presence and a range of products catering to

individual as well as corporate needs. Reliance Life Insurance has over 700 branches and

1, 80,000 agents. It offers 26 products covering savings, protection & investment

requirements. Reliance Life Insurance will endeavor to attain a leadership position in the

market over the next few years, by further expanding and strengthening its distribution

network and offering a diverse array of products to suit the varied and specific needs of

individual customers.

What is Life Insurance?

An amount of money paid to someone (called beneficiary) when the Life Assured (in

whose name the insurance policy is taken) dies. This amount can be used to pay the

expenses related to Life assureds death or can be invested to generate income that will

replace your salary. Life Insurance is an important tool in any investors portfolio & can

be used for - wealth creation, asset building, provide for contingencies and retirement

planning.


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Types of Life Insurance Policies

decreasing either one of these

components.

- ULIPs

- Term Insurance

- Endowment Policies : Whole Life; Unit Linked etc

- Annuities & Pension

The main reason to buy Life Insurance is toprovide income replacement for your

loved ones


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RELIANCE LIFE INSURANCE PLANS

Taking time out from your daily schedule to plan your future is a necessary task. You

could do with some help, but who can help you? Reliance Life Insurance is here with

Solutions for Individuals, a series of plans that will help you make wise investments,

protect your family, secure your childs future and even chalk out a plan for your

retirement.

Protection Plans

Protect your family even when youre not around by investing in Reliance Protection

Plans. Choose a limited period plan or a lifetime protection plan depending on your

needs. The latest Protection Plans are as below

1. Reliance Term plan

2. Reliance Simple Term plan

3. Reliance Special Term plan

4. Reliance Credit Guardian plan

5. Reliance Special Credit Guardian plan

6. Reliance Endowment plan

7. Reliance Special Endowment plan

8. Reliance Connect 2 Life plan

9. Reliance Whole Life plan

10. Reliance Wealth + Health plan
http://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/TermPlan/RTP_reliance_term_plan.aspx?from=Protection+Plans&path=ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/SimpleTermPlan/RSimpleTP_reliance_simple_term_plan.aspx?from=Protection+Plans&path=ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/SpecialTermPlan/RSTP_reliance_special_term_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/CreditGuardianPlan/RCGP_reliance_credit_guardian_plan.aspx?from=Protection+Plans&path=ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/SpecialCreditGuardianPlan/RSCGP_reliance_special_credit_guardian_plan.aspx?from=Protection+Plans&path=ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/EndowmentPlan/REP_reliance_endowment_plan.aspx?from=Protection+Plans&path=ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/SpecialEndowmentPlan/RSEP_reliance_special_endowment_plan.aspx?from=Protection+Plans&path=ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/Connect2Life/RC2LP_reliance_connect_2_life_plan.aspx?from=Protection+Plans&path=ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WholeLifePlan/RWLP_reliance_whole_life_plan.aspx?from=Protection+Plans&path=ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Protection+Plans&path=ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Protection+Plans&path=ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WholeLifePlan/RWLP_reliance_whole_life_plan.aspx?from=Protection+Plans&path=ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/Connect2Life/RC2LP_reliance_connect_2_life_plan.aspx?from=Protection+Plans&path=ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/SpecialEndowmentPlan/RSEP_reliance_special_endowment_plan.aspx?from=Protection+Plans&path=ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/EndowmentPlan/REP_reliance_endowment_plan.aspx?from=Protection+Plans&path=ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/SpecialCreditGuardianPlan/RSCGP_reliance_special_credit_guardian_plan.aspx?from=Protection+Plans&path=ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/CreditGuardianPlan/RCGP_reliance_credit_guardian_plan.aspx?from=Protection+Plans&path=ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/SpecialTermPlan/RSTP_reliance_special_term_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/SimpleTermPlan/RSimpleTP_reliance_simple_term_plan.aspx?from=Protection+Plans&path=ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/TermPlan/RTP_reliance_term_plan.aspx?from=Protection+Plans&path=ProtectionPlans/protection_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/ProtectionPlans/protection_plan.aspx


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11. Reliance Cash Flow plan

Savings & Investment Plans

Reliance Savings & Investment Plans help you to set aside some money to achieve

specific goals in life, which means that you can enjoy life and provide for your familys

daily needs.

The savings and investment Plans are as below

1. Reliance Total Investment Plan Series I - Insurance


3. Reliance Automatic Investment plan

4. Reliance Money Guarantee plan

5. Reliance Cash Flow plan

6. Reliance Market Return plan

7. Reliance Endowment plan

8. Reliance Special Endowment plan

9. Reliance Whole Life plan

10. Reliance Golden Years Plan

11. Reliance Golden Years Plan Value

12. Reliance Golden Years Plan Plus
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13. Reliance Connect 2 Life plan

Retirement Plans

Invest today in Reliance Retirement Plans and save money to enjoy life even after

retirement. You will never have to depend on another person or make any compromises

to maintain your current lifestyle.

The latest Retirement Plans are as below

1. Reliance Total Investment Plan Series IIPension

2. Reliance Golden Years Plan

3. Reliance Golden Years Plan Value

4. Reliance Golden Years Plan Plus


6. Reliance Automatic Investment Plan

7. Reliance Money Guarantee Plan

Child Plans

Save systematically and secure your childs future needs by investing in Reliance Child

Plans. You can always be there for your child when he or she needs you. The Childs

plans are as below

1. Reliance Child plan

2. Reliance Secure Child plan

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Market Return Plan

Under This plan the investment risk in the investment portfolio is borne by the

policyholder.

key features

ucts with

maximum maturity age of 80 years.

- ups

How does this plan work

The premium paid by the client net of premium allocation charges is invested in

fund/funds of your choice and units are allocated depending on the price of units for the

fund/funds. The fund value is the total value of units that you hold in the fund/funds. The

mortality charges and policy administration charges are ducted through cancellation of

units whereas the fund management charge is priced in the unit value.
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Benefits

Life cover Assured: in case of unfortunate loss of life, the beneficiary will get sum

assured or fund value, whichever is higher. The client can choose the basic sum assured

within the minimum and maximum levels mentioned below.

Reliance Money Demat Account Services

Reliance MoneyTransacting and investing simplified.

Get ready to change the way you transact and invest in financial products and services.

Whether you wish to transact in equity, equity & commodity derivatives, IPOs offshore

investments or prefer to invest in mutual funds, life & general insurance products or

avail money transfer and money changing services, you can do it all through reliance

money.

Simply open a reliance money account and enjoy the convenience of handling all your

key financial transactions through this one window.

Benefits of having a reliance money account

Its cost effectiveYou pay comparatively lower transaction fees. As an introductory offer, we invite you to

pay a flat fee of just Rs. 500/- and 750/- and transact through reliance money. This fee is

valid for two months or a specified transaction value

See the table below for details.
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Its offers singlewindow accessThrough reliance moneys associates, you can transact in equity, equity andcommodities derivatives, offshore investments mutual funds, IPOs life insurance,

general insurance, money transfer, money changing and credit cards, amongst others.

Its convenientYou can access reliance moneys services through

The internet Transaction kiosks The phone (call & transact) Our allIndia network of associates

On an assisted trade (through the call centre or our network of associates) a charge of Rs

12 per executed trade will be applicable.

Its SafeYour account is safeguarded with a unique security number that changes every 32

seconds. This number works as a dynamics password to keep your account extra safe.
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Its provides you a demat accountYou get your own demat account with reliance capital at an annual fee of just Rs. 50/-.

Its provides you a 3-in-1 facility.You can access your banking, trading and demat account through a single window and

transfer funds across accounts seamlessly.

It provide you value- added servicesAt www.reliancemoney.com, you get

Reliable research, including views of external experts with an enviable trackrecord

Live news updates from Reuters and Dow Jones CEOs / expert views on the economy and financial markets Tools that help you plan your investments, tax, retirement, etc. in the personal

finance section

Risk Analyzer for analysis of your risk profile

Asset allocators to build an appropriate investment portfolio Innovative use of technology for facilitating convenient trading/investments

kiosks (similar to ATMs)
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Reliance Money Provide the kiosks (similar to ATMs) Facilities, to their customer

through which the customers can trade on available kiosks at the particular Branch of

Reliance Money. The company is going to open these kiosks in the market as the ATMs

of the Banks.

Reliance Money provides 3 different trading platforms for equity trading:

Insta Trade

Fast Trade

Easy trade

The benefits

A safe and convenient way to hold securities; Immediate transfer of securities; No stamp duty on transfer of securities; Elimination of risks associated with physical certificates such as bad delivery,

fake securities, delays, thefts etc.;

Reduction in paperwork involved in transfer of securities; Reduction in transaction cost; No odd lot problem, even one share can be sold; Nomination facility; Change in address recorded with DP gets registered with all companies in which

investor holds securities electronically eliminating the need to correspond with

each of them separately;

Transmission of securities is done by DP eliminating correspondence withcompanies;

Automatic credit into demat account of shares, arising out ofbonus/split/consolidation/merger etc.

Holding investments in equity and debt instruments in a single account.
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Required Documents

The extent of documentation required to open a demat account may vary according to

your relationship with the institution. If you plan to open a demat account with a bank, a

savings, current and, or other account for which the holder have been issued a check

book, such holder has an edge over the non-account holder. In fact, banks usually offer

additional incentives to customers who open a demat account with them. Along with the

application form, your photographs (with co-applicants) and proof of

identity/residence/date of birth have to be submitted. The DPs also ask for a DP-client

agreement to be executed on non-judicial stamp paper. Here is a broad list:

A canceled check, preferably MICR Proof of Identification Proof of Address Proof of Pan card (mandatory) Recent photographs, one and, or more

For proof of identification and, or address self-attested facsimile copies of PAN card,

Voters ID, Passport, Ration card, Drivers license, Photo credit card, Employee ID card,

Bank attestation, latest IT returns and, or latest Electricity/Landline phone bill are

sufficient. While they only ask for photocopies of the documents, they will need the

originals for verification.

Points To Remember

1. Only securities admitted by NSDL can be dematerialized. The list is availablewith your DP.

2. Only securities registered in the name of the account holder can be dematerialized.
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3. Dematerialization is normally completed within 15 days after the share certificateshave reached the issuer/ their R&T Agent. Thus it may take you a month from the

date you hand over shares, to receive demat credit.

4. Dematerialization would be done only when the issuer / their R&T Agent issatisfied of genuineness of securities & ownership status.

5. All the joint holders should sign the DRF.6. The pattern of holding in the DRF should match the pattern of holding on the

share certificate & the pattern in which account is opened.

7. Demat requests with name(s) not matching exactly with the name(s) appearing onthe certificates merely on account of initials not being spelt out fully or put after

or prior to the surname, would be processed, provided the signature(s) of the

client(s) on the DRF tallies with the specimen signature(s) available with the

issuer/ their R & T agent.

8. If the signature in the DRF does not match with the signature available with theissuer/ their R & T agent, the issuer/ their R & T agent may at the time of demat

confirmation, ask for additional documentation (like bank attestation/ notarisation,

etc.) to prove that the certificate belongs to the person who forwarded the DRF.

9. In case there is any problem in processing the DRF, contact your DP and if hecannot resolve the problem you may contact NSDL.
http://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products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EQUITY

A stock market, or (equity market), is a private or public market for the trading of

company stockand derivatives of company stock at an agreed price; these are securities

listed on a stock exchange as well as those only traded privately. The stock market is one

of the most important sources for companies to raise money. This allows businesses to

be publicly traded, or raise additional capital for expansion by selling shares of

ownership of the company in a public market. The liquidity that an exchange provides

affords investors the ability to quickly and easily sell securities. This is an attractive

feature of investing in stocks, compared to other less liquid investments such as real

estate.

History has shown that the price of shares and other assets is an important part of the

dynamics of economic activity, and can influence or be an indicator of social mood. An

economy where the stock market is on the rise is considered to be an upcoming

economy. In fact, the stock market is often considered the primary indicator of a

country's economic strength and development. Rising share prices, for instance, tend to

be associated with increased business investment and vice versa. Share prices also affect

the wealth of households and their consumption. Therefore, central banks tend to keep

an eye on the control and behavior of the stock market and, in general, on the smooth

operation offinancial system functions. Financial stability is the raison d'tre of central

banks.
http://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://www.reliancelife.com/rlic/Products/SolutionsforIndividuals/Plans/WealthHealth/RWHP_reliance_wealth_health_plan.aspx?from=Child+Plans&path=childPlans/child_plan.aspxhttp://en.wikipedia.org/wiki/Market_systemhttp://en.wikipedia.org/wiki/Tradehttp://en.wikipedia.org/wiki/Corporationhttp://en.wikipedia.org/wiki/Stockhttp://en.wikipedia.org/wiki/Derivative_(finance)http://en.wikipedia.org/wiki/Security_(finance)http://en.wikipedia.org/wiki/Stock_exchangehttp://en.wikipedia.org/wiki/Companieshttp://en.wikipedia.org/wiki/Moneyhttp://en.wikipedia.org/wiki/Liquidityhttp://en.wikipedia.org/wiki/Real_estatehttp://en.wikipedia.org/wiki/Real_estatehttp://en.wikipedia.org/wiki/Share_(finance)http://en.wikipedia.org/wiki/Central_bankhttp://en.wikipedia.org/wiki/Financial_systemhttp://en.wikipedia.org/wiki/Raison_d%27%C3%AAtrehttp://en.wikipedia.org/wiki/Raison_d%27%C3%AAtrehttp://en.wikipedia.org/wiki/Financial_systemhttp://en.wikipedia.org/wiki/Central_bankhttp://en.wikipedia.org/wiki/Share_(finance)http://en.wikipedia.org/wiki/Real_estatehttp://en.wikipedia.org/wiki/Real_estatehttp://en.wikipedia.org/wiki/Liquidityhttp://en.wikipedia.org/wiki/Moneyhttp://en.wikipedia.org/wiki/Companieshttp://en.wikipedia.org/wiki/Stock_exchangehttp://en.wikipedia.org/wiki/Security_(finance)http://en.wikipedia.org/wiki/Derivative_(finance)http://en.wikipedia.org/wiki/Stockhttp://en.wikipedia.org/wiki/Corporationhttp://en.wikipedia.org/wiki/Tradehttp://en.wikipedia.org/wiki/Market_system


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Exchanges also act as the clearinghouse for each transaction, meaning that they collect

and deliver the shares, and guarantee payment to the seller of a security. This eliminates

the risk to an individual buyer or seller that the counterparty could default on the

transaction.

The smooth functioning of all these activities facilitates economic growth in that lower

costs and enterprise risks promote the production of goods and services as well as

employment. In this way the financial system contributes to increased prosperity.
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Reliance Mutual Funds

A Mutual Fund is a trust registered with the Securities and Exchange Board of India

(SEBI), which pools up the money from individual / corporate investors and invests

the same on behalf of the investors /unit holders, in equity shares, Government

securities, Bonds, Call money markets etc., and distributes the profits. The income

earned through these investments and the capital appreciation realized is shared by

its unit holders in proportion to the number of units owned by them. This