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SYEEI\ T\GO@O@K R\HJICT \IRH\T H@
STYD_ HN R\HDYCT RH\TNHMOHHNLO\MG SY@ MONI O@SY\G@CI CH. MTD
Syleottid Th
Sgfolzgdg Gjot So`kf O`stotyti hn O`nh|egtoh` Ticf`hmhk . \isig|cf
Sissoh`
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\hmm `h 672723
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O {hymd gmsh moai th ivti`d so`ci|i tfg`as th ni{ rihrmi {fh {i|i
`ht rg|t hn hy| r|hjict lyt {otfhyt tfio| fimr tfo`ks {hymd `ht fg~i
lii` gs igs gs tfi {i|i
TFG@A _HY GMM
Ggzge Gldgm &LLG 9tf/
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CH@TI@TS
7. O`t|hdyctoh` th o`sy|g`ci
Cherg` R|hnomi
; Sgmis R|hcidy|i
6 Cherg`s R|hdycts
67 Nmivo Rmg`s
6
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O`sy|g`ci- o` mg{ g`d ich`heocs- os g nh|e hn |osa
eg`gkiei`t r|oeg|om ysid th fidki gkgo`st tfi |osahn g
ch`to`ki t mhss O`sy|g`ci os dino`id gs tfi iwyotglmi
t|g`sni| hn tfi |osa hn g mhss- n|he h`i i`tot th g`htfi|- o`
ivcfg`ki nh| g r|ieoye G` o`sy|i| os g cherg` simmo`k
tfi o`sy|g`ci Tfi o`sy|g`ci |gti os g ngcth| ysid th
diti|eo`i tfi gehy`t- cgmmid tfi r|ieoye- th li cfg|kid
nh| g ci|tgo gehy`t hn o`sy|g`ci ch~i|gki \osa
eg`gkiei`t- tfi r|gctoci hn grr|goso`k g`d ch`t|hmmo k
|osa- fgs i~hm~id gs g dosc|iti noimd hn styd g`d r|gctoci
Tfi i~hmytoh` hn fyeg` lio`ks n|he tfi r|oeh|dogm {omd
stgki th tfi cg~i d{immo`k stgki os `htfo`k lyt tfio| sgkg
hn sig|cf nh| sicy|ot Tfio| wyist nh| sicy|ot os iti|`gm
Moni o`sy|g`ci os g di~oci o`~i`tid l tfie th siia sicy|ot
gkgo`st tfi ehst oerh|tg`t fgzg|ds gkgo st {focf tfi
nhy`d tfiesim~is wyoti fimrmiss Ot {omm `ht li g`
ivgkki|gtoh` th sg tfgt r|hk|iss hn co~omozgtoh` os dyi th
fyeg` lio`ks y`i`do`k ry|syot nh| sicy|ot
Moni o`sy|g`ci o` ots ehdi|` nh|e os g {isti|` ch`cirt
Gmtfhykf ot stg|tid tgao`k sfgri so`ci mgst 322 ig|s- ot
cgei th O`dog {otf tfi g||o~gm hn tfi Iy|hrig`s tfi no|st moni
o`sy|g`ci cherg` {gs istglmosfid o` O`dog o` 7676 gs
h|oi`tgm moni o`sy|g`ci cherg` ego`m l Iy|hrig`s th
r|h~odi nh| {odh{s hn Iy|hrig`s Tfi cherg ois tfgt
nhmmh{id ego m cgti|id th Iy|hrig`s g`d cfg|ki ivt|g
r|ieoye h` O`dog`s mo~is Tfi no|st O`dog` cherg`-
o`sy|o`k O`dog` mo~is gt stg`dg|d |gtis- {gs Lhelg eytygm
http://en.wikipedia.org/wiki/Lawhttp://en.wikipedia.org/wiki/Economicshttp://en.wikipedia.org/wiki/Risk_managementhttp://en.wikipedia.org/wiki/Risk_managementhttp://en.wikipedia.org/wiki/Hedge_(finance)http://en.wikipedia.org/wiki/Riskhttp://en.wikipedia.org/wiki/Risk_managementhttp://en.wikipedia.org/wiki/Risk_managementhttp://en.wikipedia.org/wiki/Lawhttp://en.wikipedia.org/wiki/Economicshttp://en.wikipedia.org/wiki/Risk_managementhttp://en.wikipedia.org/wiki/Risk_managementhttp://en.wikipedia.org/wiki/Hedge_(finance)http://en.wikipedia.org/wiki/Riskhttp://en.wikipedia.org/wiki/Risk_managementhttp://en.wikipedia.org/wiki/Risk_management8/3/2019 Birla Sun Life Insurance Product Portfolio PROJECT Report
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moni o`sy|g`ci cherg`- {focf {gs nh|eid o` 76;2tfos {gs
tfi ig| gmsh {fi` tfi no|st O`sy|g`ci Gct {gs rgssid l
tfi L|otosf rg|mogei`t Tfi ig|s sylsiwyi`t th tfi
S{idosfo Eh~iei`t sg{ tfi iei|ko`k hn si~i|gm o`sy|g`ci
cherg`ois
Tfi i`d hn tfi ig| 7?99- tfi|i {i|i {i|i
`h`%O`dog` cherg`ois Tfisi cherg`ois {i|i `gtoh`gmozid
o` 7?9> g`d l|hykft y`di| h`i yel|immg tfi moni o`sy|g`ci
ch|rh|gtoh` hn O`dog- {focf i`jhid eh`hrhm hn moni
o`sy|g`ci lyso iss- tomm gmehst yr th tfi i`d hn ig|
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NY@DGEI@TGM R\O@CORMIS HN
O@SY\G@CI
Shei ysinym ti|es o` O`sy|g`ci:
G/ O@DIE@OT_
G ch`t|gct hn o`sy|g`ci ch`tgo id o` g no|i- eg|o i-
ly|kmg| h| g` htfi| rhmoc ivcirto`k moni gssy|g`ci g`d
ri|sh`gm gccodi`t g`d soca`iss o`sy|g`ci/ os g ch`t|gct hn
o`die ot Tfos eig`s tfgt tfi o`sy|id- o` cgsi hn mhss
gkgo`st {focf tfi rhmoc fgs lii` ossyid- sfgmm li rgod tfi
gctygm gehy`t hn mhss `ht ivciido`k tfi gehy`t hn tfi
rhmoc- oi fi sfgmm li nymm o`die`onoid Tfi hljict hn
i~i| ch`t|gct hn o`sy|g`ci os th rmgci tfi o`sy|id o` tfi
sgei no`g`cogm rhsotoh`- gs `ig|m gs rhssolmi- gnti| tfi mhss-
gs on fos mhss fgd `ht tgai` rmgci gt gmm Ot {hymd li gkgo`st
rylmoc rhmoc th gmmh{ g` o`sy|id th egai g r|hnot hyt hn fos
mhss h| dgegki
L/ YTEHST KHHD NGOTF
So`ci o`sy|g`ci sfonts |osa n|he h`i rg|t th g`htfi|- ot os
issi`togm tfgt tfi|i eyst li ytehst khhd ngotf g`d eytygm
ch`nodi`ci lit{ii` tfi o`sy|id g`d tfi o`sy|i| O` g
ch`t|gct hn o`sy|g`ci tfi o`sy|id a`h{s eh|i glhyt tfi
syljict egtti| hn tfi ch`t|gct tfg` tfi o`sy|i|
Ch`siwyi`tm- fi os dyt lhy`d th doscmhsi gccy|gtim gmm
egti|ogm ngcts g`d `htfo`k sfhymd li {otffimd h| ch`cigmid
G` ngct os egti|ogm- {focf khis th tfi |hht hn tfi ch`t|gct
hn o`sy|g`ci g`d fgs g lig|o`k h` tfi |osa o`~hm~id Ot os
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h`m {fi` tfi o`sy|i| a`h{s tfi {fhmi t|ytf tfgt fi os o` g
rhsotoh` th jydki
&g/ [fitfi| fi sfhymd gccirt tfi |osa g`d
&l/ [fgt r|ieoye fi sfhymd cfg|ki
On tfgt {i|i sh- tfi o`sy|id eokft li tiertid th l|o`k glhyt
tfi i~i`t o`sy|id gkgo`st o` h|di| th kit eh`i
C/ O`sy|glmi O`ti|ist % G ch`t|gct hn o`sy|g`ci gnnictid
{otfhyt o`sy|glmi o`ti|ist os ~hod Ot eig`s tfgt tfi o`sy|id
eyst fg~i g` gctygm ricy`og| o`ti|ist g`d `ht g ei|i
g`voit h| si`toei`tgm o`ti|ist o` tfi syljict egtti| hn tfi
o`sy|g`ci Tfi o`sy|id eyst li sh sotygtid {otf |ikg|d th
tfi tfo`k o`sy|id tfgt fi {hymd fg~i li`inot l ots ivosti`ci
g`d mhss n|he ots dist|yctoh` Tfi h{`i| hn g sfor |y` g |osa
hn mhso`k fos sfor- tfi cfg|ti|i| hn tfi sfor |y`s g |osa hn
mhso`k fos n|iokft g`d tfi h{`i| hn tfi cg|kh o`cy|s tfi |osa
hn mhso`k fos khhds g`d r|hnot Sh- gmm tfisi ri|sh`s fg~i
sheitfo`k gt stgai g`d gmm hn tfie fg~i o`sy|glmi o`ti|ist
Ot os tfi ivosti`ci hn o`sy|glmi o`ti|ist o` g ch`t|gct hn
o`sy|g`ci- {focf dosto`kyosfis ot n|he g ei|i {gti|o k
gk|iiei`t
D/ Cgysg R|hvoeg % Tfi |ymi hn cgysg r|hvoeg eig`s tfgt
tfi cgysi hn tfi mhss eyst li r|hvoegti h| oeeidogti g`d
`ht |iehti On tfi r|hvoegti cgysi hn tfi mhss os g ri|om
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o`sy|id gkgo`st- tfi o`sy|id cg` |ich~i| [fi` g mhss fgs
lii` l|hykft glhyt l t{h h|
eh|i cgysis- tfi wyistoh` g|osis gs th {focf os tfi cgysg
r|hvoeg- gmtfhykf tfi |isymt chymd `ht fg~i fgrri`id
{otfhyt tfi |iehti cgysi Lyt on tfi mhss os l|hykft glhyt
l g` cgysi gtt|olytglmi th tfi eosch`dyct hn tfi o`sy|id-
tfi o`sy|i| os `ht moglmi
I/ \osa% O` g ch`t|gct hn o`sy|g`ci tfi o`sy|i| y`di|tgais
th r|htict tfi o`sy|id n|he g sriconoid mhss g`d tfi o`sy|i|
|icio~i g r|ieoye nh| |y``o`k tfi |osa hn sycf mhss Tfys-
|osa eyst gttgcf th g rhmoc
N/ Eotokgtoh` hn Mhss % O` tfi i~i`t hn shei eosfgr th tfi
o`sy|id r|hri|t- tfi o`sy|id eyst tgai gmm `icissg| stirs
th eotokgti h| eo`oeozi tfi mhss- jyst gs g` r|ydi`t ri|sh`
{hymd dh o` tfhsi co|cyestg`cis On fi dhis `ht dh sh- tfi
o`sy|i| cg` g~hod tfi rgei`t hn mhss gtt|olytglmi th fos
`ikmoki`ci Lyt ot eyst li |ieieli|id tfgt tfhykf tfi
o`sy|id os lhy`d th dh fos list nh| fos o`sy|i|- fi os- `ht
lhy`d th dh sh gt tfi |osa hn fos moni
K/ Syl|hkgtoh` % Tfi dhct|o i hn syl|hkgtoh` os g
ch|hmmg| th tfi r|o`cormi hn o`die`ot g`d grrmois h`m th
no|i g`d eg|o`i o`sy|g`ci Gcch|do`k th ot- {fi` g` o`sy|id
fgs |icio~id nymm o`die`ot o` |isrict hn fos mhss- gmm |okfts
g`d |ieidois {focf fi fgs gkgo`st
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Tfo|d ri|sh` {omm rgss h` th tfi o sy|i| g`d {omm li
ivi|cosid nh| fos li`inot y`tom fi &tfi o`sy|i|/ |ichyrs tfi
gehy`t fi fgs rgod y`di| tfi rhmoc Ot eyst li cmg|onoid
fi|i tfgt tfi
O`sy|i|s |okft hn syl|hkgtoh` g|osis h`m {fi` fi fgs rgod
nh| tfi mhss nh| {focf fi os moglmi y`di| tfi rhmoc g`d tfos
|okft ivti`ds h`m th tfi |okfts g`d |ieidois g~gomglmi th
tfi o`sy|id o` |isrict hn tfi tfo`k th {focf tfi ch`t|gct hn
o`sy|g`ci |imgtis
F/ Ch`t|olytoh` % [fi|i tfi|i g|i t{h h| eh|i o`sy|g`ci
h` h`i |osa- tfi r|o`cormi hn ch`t|olytoh` cheis o`th rmg
Tfi goe hn ch`t|olytoh` os th dost|olyti tfi gctygm gehy`t hn
mhss geh`k tfi donni|i`t o`sy|i|s {fh g|i moglmi nh| tfi
sgei |osa y`di| donni|i`t rhmocois o` |isrict hn tfi sgei
syljict egtti| G` h`i o`sy|i| eg rg th tfi o`sy|id tfi
nymm gehy`t hn tfi mhss ch~i|id l tfi rhmoc g`d tfi`
lichei i`totmid th ch`t|olytoh` n|he fos ch%o sy|i|s o`
r|hrh|toh` th tfi gehy`t {focf igcf fgs y`di|tgai` th rg
o` cgsi hn mhss hn tfi sgei syljict%egtti|
O` htfi| {h|ds- tfi |okft hn ch`t|olytoh` g|osis {fi`
7/ Tfi|i g|i donni|i`t rhmocois- {focf |imgti th tfi sgei
syljict egtti|
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4/ H`i hn tfi o`sy|i|s fgs rgod th tfi o`sy|id eh|i tfg`
fos sfg|i hn tfi mhss
Moni O`sy|g`ci Rhmoc os g nh|e hn sicy|ot nh| tfi ri|sh`
{fh o`sy|is fos moni g`d fos ngeom Moni o`sy|g`ci rhmocois
fg~i fimrid t|gdi g`d htfi| ich`heoc gcto~otois th nmhy|osf
o` g k|igt eg``i| Ot fgs ki`i|gtid mhts hn jhl hrrh|ty`otois
Ot os mhhaid yrh` gs g myc|gto~i cg|ii| hrtoh Moni
o`sy|g`ci cherg`ois fg~i gmsh i`ti|id tfi o`ti|`gtoh`gm
lyso`iss sci`g|oh
Tfi nhmmh{o`k |igsh`s sylstg`togti {f g moni
o`sy|g`ci rhmoc sfhymd li tgai`:
G/ Ig|m Digtfs
Tfi eh|tgmot |gti os ivri|oi`co`k g dicmo o`k t|i`d o`
eg` rg|ts hn tfi {h|md Fh{i~i| ot os gmsh oerh|tg`t th
`hti tfgt tfi gki gt {focf Rihrmi doi os gmsh i~i|
dic|igso`k Shei |igsh`s nh| tfos o`cmydi y`figmtf mo~o`k
stmi- st|iss- rhmmytoh`- g`d shei `gty|gm cgmgeotois Tfos`icissotgtis rihrmi th egai gdiwygti eigsy|is th oimd
o`chei nh| tfio| ngeom g`d diri`di`ts Tfos chymd li g
si|ohys ch`ci|` on tfi o`sy|id fgrri`s th li tfi shmi
l|igd{o``i| Shei o`do~odygms sii tfos gs g` hrtoh` th rmg`
tfio| |ito|iei`t
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fyki gehy t on ot os oeri|gto~i o` eiito`k g` y|ki`t
ivri sis g`d fi dhis `ht fg~i gmti|`gto~i shy|cis nh|
no`g`ci Moni o`sy|g`ci cherg`ois tfi|inh|i dh tfi `iidnym
th ch`syei|s
D/ Tgv Ch`cissoh`s
O`chei tgv ch`cissoh`s g|i g~gomglmi th o`do~odygms g`d
ch|rh|gti fhysis tfgt gdhrt o`sy|g`ci rhmocois Eg` fg~i
lii` egao`k o`~istei`ts o` O`sy|g`ci {otf tfi shmi goe hn
i`jho`k tgv li`inots Tfos `gty|gmm o`c|igsis sri`do`k
rh{i| So ci tfi o`~istei`ts o`c|igsis tfi ich`heoc
gcto~otois o` tfi chy`t| gythegtocgmm o`c|igsis
^OSOH@
Th li g {h|md cmgss r|h~odi| hnno`g`cogm sicy|ot th o`do~odygms g`dch|rh|gtis g`d th li geh`kst tfi
thr tf|ii r|o~gti sicth|s monio`sy|g`ci cherg`ois o` O`dog.
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EOSSOH@
Th li tfi no|st r|ini|i`ci hn hy|cysthei|s l r|h~odo`k o``h~gto~i-
`iid lgsid moni o`sy|g`ci g`d|ito|iei`t shmytoh`s th o`do~odygms
gs {imm gs ch|rh|gtis. Tfisishmytoh`s {omm li egdi g~gomglmi l{imm%t|go`id r|hnissoh`gms tf|hykf
g eymto cfg``im dost|olytoh``it{h|a g`dSyri|oh| ticf`hmhk.
Hy| i`dig~h| {omm li th r|h~odich`stg`t ~gmyi gddotoh` th
cysthei|s tf|hykfhyt tfio||imgtoh`sfor {otf ys- {otfo` tfi
|ikymgth| n|gei{h|a.[i {omm r|h~odi cg|ii|
di~imhrei`t hrrh|ty`otois th hy|iermhiis g`d
Tfi fokfist rhssolmi |ity|`s th hy|sfg|ifhmdi|s.
^GMYIS
O`tik|ot: Fh`ist o`i~i| gctoh`.
Cheeotei`t: Dimo~i|h` tfi r|heosi
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Rgssoh`: I`i|kozidgctoh`
Sigemiss`iss:Lhy`dg| miss o` mitti| sro|ot
Sriid: H`i stirgfigd gm{gs
CHERG@_ R\HNOMI
Lo|mg Sy` Moni G Cheo`k Thkitfi| Hn ^gmyis
Lo|mg Sy` Moni os g jho`t ~i`ty|i lit{ii` Tfi Gdotg
Lo|mg K|hyr- h`i hn tfi mg|kist lyso`iss fhysi o` O`dog g`d
Sy` Moni No`g`cogm O`c.- g migdo k O`ti| gtoh`gm No`g`cogm
Si|~ocis H|kg`ozgtoh` Tfi mhcgm a`h{midki hn tfi Gdotg
Lo|mg K|hyr chelo`id {otf tfi ivri|tosi hn Sy` Moni
No`g`cogm O`c hnni|s g nh|eodglmi r|htictoh` nh| hy| nyty|i
Tfi Gdotg Lo|mg K|hyr os mid l ots cfgo|eg`% E| Ayeg|
Eg`kmge Lo|mg Tfi K|hyr fgs h~i| 66222 iermhiis
gc|hss gmm ots y`ots {h|md{odi Shei hn tfi ai
h|kg`ozgtoh`s {otf tfi k|hyr g|i Fo`dgmch- K|gsoe- Gdotg
Lo|mg @y~h- itc
Tfi k|hyr os O`dog+s migdo`k lyso`iss fhysi {otf g `yeli|
hn ai h|kg`ozgtoh`s Tfisi g|i gs nhmmh{s:
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7 K|gsoe
Odig Cimmymg| Mtd
;. Lo|mg Sy` Moni O`sy|g`ci Ch.Mtd
6 Lo|mg Sy` Moni Gssit Eket ChMtd
? Lo|mg Sy` Moni Dost|olytoh` Ch Mtd
72 RSO Dgtg Ssties
77 O`dh Kymn Ni|tomozi|s Mtd
7
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3 Moni O sy|g`ci
Lo|mg Sy` Moni O`sy|g`ci ch mtd. os tfi Moni%O`sy|g`ci
g|e hn Lo|mg%Sy` Moni
Lo|mg Sy` Moni O`sy|g`ci o` ots ; syccissnym ig|s hn
hri|gtoh`s fgs ch`t|olytid sok`onocg`tm th tfi k|h{tf g`d
di~imhrei`t hn moni o`sy|g`ci o`dyst| o` O`dog Ot
roh`ii|id tfi mgy`cf hn Y`ot Mo`aid Moni O`sy|g`ci rmg`s
geh`kst tfi r|o~gti rmgi|s o` O`dog Ot {gs tfi no|st rmgi|
o` tfi o`dyst| th simm ots rhmocois tf|hykf tfi
Lg`cgssy|g`ci |hyti g`d tf|hykf tfi O`ti|`it Ot {gs tfi
no|st r|o~gti sicth| rmgi| th o`t|hdyci g Ry|i Ti|e rmg` o`
tfi O`dog` eg|ait Tfos {gs syrrh|tid l sgmis r|gctocis-
{focf l|hykft g dik|ii hn t|g`srg|i`c tfgt {gs i`to|im
`i{ th tfi eg|ait Tfi r|hciss hn kitto`k sgmis ommyst|gtoh`s
sok`id l cysthei|s- hnni|o`k g n|ii mhha ri|ohd h` gmm
rhmocois- {focf g|i `h{ o`dyst| stg`dg|ds {i|i o`t|hdycid
l LSMO Lio`k g cysthei| ci`t|oc cherg`- LSMO fgs
ch~i|id eh|i tfg` g eommoh` mo~is so`ci o`cirtoh` g`d ots
cysthei| lgsi os sr|igd gc|hss eh|i tfg` 7222 th{`s g`d
cotois o` O`dog Gmm tfos fgs gssostid tfi cherg`
o` ciei`to`k ots rmgci geh`kst tfi migdi|s o` tfi o`dyst| o`
ti|es hn `i{ lyso`iss r|ieoye o`chei Tfi cherg` fgs
g cgrotgm lgsi hn eh|i tfg` \s>;< c|h|is
Eg` H@Is {otf Lo|mg Sy` Moni O`sy|g`ci:
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LSMO os g cherg` tfgt fgs g ~i| y`owyi ch`t|olytoh` o`
tfi fosth| hn O`sy|g`ci sicth| Tfi cherg` `ht h`m fgs
~g|o`k rmg`s g`d ny`ds- |gtfi| gmsh os g roh`ii| o` eg`
gsricts Tfisi roh`ii|o`k nigty|is hn LSMO g|i gs nhmmh{s:
7. N|ii Mhha Ri|ohd: LSMO hnni|s ots rhmocfhmdi|s
{otf g n|ii mhha ri|ohd hn 79 dgs Cmoi`t kits
n|iidhe th fg~i g` o`%dirtf mhha h~i| gmm tfi ti|es
g`d ch`dotoh`s |ikg|do`k fos(fi| moni%o sy|g`ci
rhmoc On fi no`ds rhmoc `ht {h|tf hrto`k nh|- fi
cg` gmsh |ity|` tfi rhmoc- lyt gt LSMO- ch rihrmi
i`sy|is tfos `ht th fgrri`
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eytygm%ny`d fhmdi| kits y`ots YMORs hnni| eg|ait%
mo`aid |ity|`s th rhmocfhmdi|s
9. Sgmis Ommyst|gtoh`s: LSMO os tfi no|st cherg` th
o`t|hdyci Sgmis Ommyst|gtoh`s o` tfi O`sy|g`ci
O`dyst| Sgmis rihrmi hn LSMO ko~i dieh`st|gtoh`s
hn ny`d
>. Ri|nh|eg`ci h` t{h rho`ts hn r|hjictoh`s oi h` >)
g`d 72) @h{ O\DG fgs gmsh egdi ot eg`dgth| th
fg~i sgmis ommyst|gtoh`s
LSMOs fgs mgy`cfid Ci`ty| SOR- g y`owyi sstiegtoc
o`~istei`t rmg` hnni|o`k g` hrrh|ty`ot th c|igti {igmtf
{otf gs mottmi gs \s 7222 ri| eh`tf rmys g moni o`sy|g`ci
ch~i| hn yr th 722 toeis tfi eh`tfm o`stgmmei`t
Tfos rmg` cheis gmh`k {otf n|ii ti|e o`sy|g`cinh| g`
o`do~odygm yr th 99 ig|s hn gki
Tfi moni o`sy|g`ci ch~i| cheis gt `h ivt|g chst th tfi
o`~isth| Tfi ch~i| os fgssmi n|ii Tfi o`~isth| `iid `ht kh
tf|y g` eidogm tist th g~gom hn tfi moni ch~i| Gmm g`
o`~isth| `iids th dh os i`|hmm nh| CSOR . sok` g
Dicmg|gtoh` hn Khhd Figmtf O` cgsi hn y`nh|ty`gti
dieosi hn o`~isth| tfi o`sy|g`ci cmgoe {omm li do|ictm rgod
th tfi `heo`ii l tfi o`sy|g`ci cherg` &Lo|mg Sy` Moni
O`sy|g`ci Cherg`/
http://www.moneycontrol.com/india/news/mf-news/birla-sun-life-mf-launches-century-sip/17/50/342146http://www.moneycontrol.com/india/news/mf-news/birla-sun-life-mf-launches-century-sip/17/50/342146http://www.moneycontrol.com/india/news/mf-news/birla-sun-life-mf-launches-century-sip/17/50/342146http://www.moneycontrol.com/india/news/mf-news/birla-sun-life-mf-launches-century-sip/17/50/342146http://www.moneycontrol.com/india/news/mf-news/birla-sun-life-mf-launches-century-sip/17/50/3421468/3/2019 Birla Sun Life Insurance Product Portfolio PROJECT Report
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G``hy`co`k tfi mgy`cf hn Ci`ty| SOR- G`om Ayeg|- CIH-
g`d Lo|mg Sy` Moni EN sgod-
Tfos hnni|o`k thycfis gmm gsricts hn g` o`~isth|s no`g`cogm
rmg``o`k `iids [i {osf th i`chy|gki tfi o`~istei`t fglot
geh`k o`~isth|s l r|h~odo`k tfie moni o`sy|g`ci ch~i|
O`sy|g`ci ch~i| th tfi o`~isth| {hymd ch`to`yi i~i` gnti|
tfi SORs eo`oeye egty|ot ti`h| hn 3 ig|s G`
o`do~odygm lit{ii` 76 th 4> ig|s hn gki ego`~isto` tfos
rmg` O`~istei`t o` tfos rmg` eg li egdi tf|hykf
Imict|h`oc cmig|o`k sstie &ICS/- do|ict dilots h| rhst
dgtid cfiwyis
;. Htfi|s: Shei htfi| H@Is {otf LSMO g|i:
7st th ossyi dgom @G^s hn ny`ds nh| litti|t|g`srg|i`c
7st th fg~i g dosto`ct C\OSOM li`cfeg|a
7st th doscmhsi rh|tnhmoh h` g eh`tfm lgsos
Rhmocfhmdi|s cg` ~oi{ tfio| rhmoc ditgomsh`mo i1 tfi cg` li gccissid n|he LSMO
{ilsoti yso`k hy| y`owyi rgss{h|d
http://www.moneycontrol.com/india/news/mf-news/birla-sun-life-mf-launches-century-sip/17/50/342146http://www.moneycontrol.com/india/news/mf-news/birla-sun-life-mf-launches-century-sip/17/50/342146http://www.moneycontrol.com/india/news/mf-news/birla-sun-life-mf-launches-century-sip/17/50/342146http://www.moneycontrol.com/india/news/mf-news/birla-sun-life-mf-launches-century-sip/17/50/3421468/3/2019 Birla Sun Life Insurance Product Portfolio PROJECT Report
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Hyt hn i~i| 722 cmgoes o`toegtid th LSMO?6 dgs
Sgmis R|hcidy|i hn O`sy|g`ci o` LSMO:
LSMO i`sy|is tfgt ots rhmocfhmdi|s kit tfi list hyt hn tfi
rhmoc hnni|id th tfie l tfio| Gd~osh|s Nh| tfos- LSMO
nhmmh{s g sit r|hcidy|i hn simmo`k O`sy|g`ci th tfi cmoi`ts
Tfi sgmis r|hcidy|i cg` li dogk|geegtocgmm r|isi`tid gs
nhmmh{s:
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Tfos r|hcidy|i cg` li stirrid dh{` gs nhmmh{s:
7. Rotcfo`k tfi cysthei|: Tfi no|st g`d nh|iehst tfo`k os
tfgt- cmoi`t sfhymd li |igd th ry|cfgsi tfi O`sy|g`ci rmg`
O`sy|g`ci os `ht g ~i| r|ini|glmi r|hdyct it o` O`dog G`d-
tfys- ch fgs th li ~i| ~okomg`t Gd~osh|s- gt LSMO-
ego tgo` |imgtoh`sfors g`d egai tfi ehst hn tfio|
Khhd{omm O`sy|g`ci os g \imgtoh`sfor h|oi tid lyso`iss
Aiiro`k tfos o` eo`d LSMO gmsh o`otogtid Lg`cgssy|g`ci-
{fi|i Lg`as oegki hn lio`k mhgm th tfi cysthei|s- rmgs
SYSRICTO@K
R\HSRICTO@K
GRRHO@TEI@T
NO\ST SGMIS CGMM
NHMMH[ YRS
SGMIS CMHSID
HNNOCI [H\A
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g egjh| |hmi o` rotcfo`k tfi cysthei| th ly O`sy|g`ci
LSMO ysis nhmmh{o`k |hytis nh| dost|olyto`k tfio| R|hdyct th
ki`i|gm rylmoc:
g Do|ict Ri|sh`gm Ch`tgcts &tf|hykf Gd~osh|s/
l Lg`cgssy|g`ci &tf|hykf Lg`as/
c Ri|sh`gm \imgtoh`s &tf|hykf ch iermhiis/
d Ivosto`k Rhmocfhmdi|s
)
g`d 72) r|hjictoh`s On cmoi`t no`d tfisi r|hjictid |ity|`s
syotglmi th fos(fi| |osa r|hnomi- fi kh nh| ry|cfgso`k tfi
rhmoc
3. R|hrhsgm Nh|e : @h{ gs cmoi`t os |igd th kit
o`sy|id- gd~osh| ko~is foe tfi r|hrhsgm nh|e g`d
gsas nh| gmm tfi dhcyei`ts |iwyo|id R|hrhsgm nh|e
os g 4 rgki dhcyei`t tfgt ch`tgo`s gmm tfi `icissg|
o`nh|egtoh` |imgtid th tfi O`sy|id g`d tfi H{`i| hn
tfi rhmoc Dhcyei`ts |iwyo|id gmh`k {otf tfi
r|hrhsgm nh|e g|i:
Dgti%Hn%Lo|tf R|hhn
Gdd|iss . OD R|hhn
O`chei Ci|tonocgti
Eidocgm Ci|tonocgtis &h m on O`sy|i| os g si oh|
cotozi`/
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4 Gnti| Sgmis Si|~oci : @h{ gnti| tfi O`sy|g`ci os
shmd- nhmmh{%yrs g|i |iwyo|id Gd~osh| `iids th
ego`tgo` khhd |imgtoh`s {otf tfi rhmocfhmdi|
O`sy|g`ci ch cg`
Ki`i|gti ny|tfi| lyso`iss- h`m on- ivosto`k
rhmocfhmdi|s g|i sgtosnoid {otf tfi si|~ocis lio k
r|h~odid l tfi gd~osh| hn tfi ch Tfys- LSMO aiirs
tfos o` eo`d g`d Lyso`iss Di~imhrei t Ivicyto~is
ch`to`yhysm t|gca tfi `iids hn tfi rhmocfhmdi|s LSMO
r|h~odis tfi rhmocfhmdi|s {otf eh`tfm yrdgtis hn tfi
ny`d ri|nh|eg`ci g`d
gmsh doscmhsis tfi gssit rh|tnhmoh hn tfi ny`d Tfos gssosts
tfi rhmocfhmdi|s th eg`gki tfio| rhmoc gcch|do`k th tfio|
|osa r|hnomi Tfi cg`- tfys- cfg`ki tfio| ny`d gmmhcgtoh` gs
{imm gs tfi gssit gmmhcgtoh` o` g` ny`d- cfhsi` l tfie
CHERG@_ R\HDYCTS (
RMG@S
Gmm tfi rmg`s gsshcogtid {otf LSMO g|i Y`ot Mo`aid Rmg`s
Nmivo Rmg`s
Nmivo Rmg`s fg~i tf|ii ~g|og`ts Tfisi ~g|og`ts g|i:
7 Nmivo Sg~i Rmys &I`dh{ei`t Rmg /
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Tfos os g Y`ot Mo`aid Rmg` {otf kyg|g`tiid
|ity|`s
R|h~odis nmivolomot {otf Thr%Yr Ngcomot
Nh| Wyg|ti|m ehdgm r|ieoye miss tfg`
\s9222- rgei`t cg` li egdi tf|hykf ICS
Rhmocfhmdi| cg` gttgcf |odi|s th tfi rmg`
gcch|do`k th fos(fi| `iids
Mowyodot o` tfi nh|e hn Rg|togm {otfd|g{gms
Tf|ii O`~istei`t Ny`d hrtoh`s g|i g~gomglmi
{otf tfi rhmoc g`d rhmocfhmdi| os n|ii th s{otcf
lit{ii` ny`ds g`toei dy|o`k tfi ti`y|i hn tfi
rhmoc
Tfi Sye Gssy|id eg li o`c|igsid h`ci o`
i~i| 9 rhmoc ig|s- stg|to`k n|he tfi >tf rhmoc
ig|
R|ieoye cg` li rgod g``ygmm- sieo%
g``ygmm- wyg|ti|m g`d eh`tfm
R|ieoye O`~istid: Chmmictid R|ieoye os o`~istid o` tf|ii
O`~istei`t Ny`d Hrtoh`s Tfisi ny`ds g|i:
7 R|hticth|
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3 Digtf Li`inots :
Gki gt toei hn
DigtfDigtf Li`inots
32 dgs th 7 ig| Ny`d ^gmyi H`m
Gki 7 _ig| th >2
_ig|
Fokfi| hn Sye Gssy|id miss gmm rg|togm {otfd|g{gms egdi o` 2
_ig|s
Fokfi| hn Sye Gssy|id miss gmm rg|togm {otfd|g{gms egdi so`ci
tfi moni o`sy|id gttgo`id tfi gki 96 h| tfi ny`d ~gmyi h| tfi
kyg|g`tiid ny`d ~gmyi
Cfg|kis:
7 Eh|tgmot Cfg|kis : Tfisi cfg|kis g|i didyctid l
cg`cimo`k y`ots h` g eh`tfm lgsos gt tfi r|i~gomo`k
@G^ Tfi g``ygm eh|tgmot cfg|kis ri| 7222 sye
gssy|id nh| sgermi gkis g|i gs nhmmh{s:
Gki 2
Egmi 727
>
77;
7
77>
3
7>9
;
423
2
72>>2
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isricogmm gt g toei {fi` tfi `iid nh| ngeom r|htictoh`
|idycis sok`onocg`tm
Nigty|is:
Tfi rmg` os g y`ot mo`aid- `h`%rg|tocorgto`k rmg`
Tfos rmg` fgs tfi hrtoh` hn si~i`%o`~istei`t ny`d
{otf tfi nmivolomot th gmmhcgti tfi r|ieoyes o`
~g|o`k r|hrh|toh`s o`th tfi donni|i`t Ny`d Hrtoh`
Thr yr ngcomot os tfi|i Tfi eo`oeye gehy`t hn
thr yrs os 72222
Tfi rmg` hnni|s ny|tfi| li`inots o` tfi nh|e hn
gddotoh`gm y`ots- {focf {omm li gddid th tfi Ny`d
~gmyi gt tfi i`d hn tfi 72tf rhmoc ig|
Tfi|i os fokf mowyodot o` tfi nh|e hn Rg|togm
[otfd|g{gms g`d Sy||i`di| Li`inots
Digtf Li`inots- {focf {omm li fokfi| hn tfi Ny`d
~gmyi h| Sye Gssy|id- |idycid l tfi grrmocglmi
rg|togm {otfd|g{gms
Imokolomot:
I`t| Gki:
Eo`oeye: 32 dgs nh| 2 ig|s
Nh| 2 ig|s
Dy|gtoh`:
Eo`oeye: 72 ig|s
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Egvoeye: ;2 ig|s &gssyeo`k {fhmi moni th
li 722 ig|s/
Egty|ot Gki: ;2 ig|s nh| tfi ti|e% 72-
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chermitid rhmoc ig|s
Fh{i~i|- on tfi rhmoc os sy||i`di|id {otfo` 3 ig|s
n|he o`cirtoh`- tfi sy||i`di| ~gmyi os rgod gnti| tfi
chermitoh` hn tfi tfo|d rhmoc g``o~i|sg|
4 Digtf Li`inots :
Limh{ 9 ig|s: On tfi digtf hn tfi moni
o`sy|id tgai rmgci linh|i 9 ig|s- h`m tfi
ny`d ~gmyi sfgmm li rgglmi th tfi rhmoch{`i|
Lit{ii` 9 th >2 ig|s: Fokfi| hn tfi ny`d
~gmyi h| tfi sye gssy|id miss gmm grrmocglmi
rg|togm {otfd|g{gms egdi o` tfi mgst 2 ig|s g`d Glh~i: Fokfi| hn tfi ny`d
~gmyi h| tfi sye gssy|id miss gmm grrmocglmi
rg|togm {otfd|g{gms egdi so ci tfi moni
o`sy|id gttgo`id tfi gki hn 96
9 Egty|ot Li`inots : H` egty|ot hn tfi rhmoc- tfi
ny`d ~gmyi os rgglmi Y`di| tfi {fhmi moni hrtoh`-
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h` egty|ot hn tfi rhmoc- {fi` tfi moni o`sy|id
gttgo`s tfi gki hn 722- tfi` ny`d ~gmyi os rgglmi
g`d tfi rhmoc {omm li ti|eo`gtid
> Tgv Li`inots : Tgv li`inots h` r|ieoye rgei`t g|i
kh~i|`id l sictoh` 62C hn tfi O`chei Tgv Gct
7?>7 Tgv Iviertoh`s h` tfi gehy`t |icio~id h`
egty|ot o` tfi y`nh|ty`gti i~i`t hn digtf g`d tfi
{otfd|g{gms g|i kh~i|`id l sictoh` 72&72D/
; Gddotoh` hn \odi|s : Rhmoc fhmdi| cg` cystheozi tfi
rmg` l gddo`k g` hn tfi nhmmh{o`k > |odi|s:
7 Gccodi`tgm Digtf . Doseieli|ei`t \odi|
[go~i| hn R|ieoye \odi|
Cfg|kis:
7 R|ieoye Gmmhcgtoh` Cfg|kis : Tfisi cfg|kis dy|o k
tfi r|ieoye rgo`k ti|e g|i gs y`di|:
Rhmoc _ig| 7 < h| 3 Tfi|ignti|
Cfg|ki 73) 4)
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7222 hn tfi Sye gt |osa nh| sgermi gkis g|i gs
nhmmh{s:
Gki 9
Niegmi 72< 447 79?3 3772 69;7
3 Ny`d Eg`gkiei`t Cfg|ki : Tfos os cfg|kid l
gdjystei`t hn tfi dgom @G^s Tfi cfg|ki os:
7) rg nh| Gssy|i- R|hticth|- Lyomdi| g`d
I`fg`ci| Ny`d 772 g`d tfi
eo`oeye cfg|ki os 222
9 Sy||i`di| Cfg|ki : Tfisi cfg|kis g|i mi~oid gs tfi
ri|ci tgki hn tfi g``ygm moni o`sy|g`ci ch~i|gki
R|ieoye rgglmi Cfg|kis g|i gs nhmmh{s:
Rhmoc _ig| 7 < 3 4 9 > ;!
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Sy||i`di|
Cfg|ki32) ) @OM
> \odi| R|ieoye Cfg|ki : On tfi |odi|s g|i gttgcfid-
tfos cfg|ki {omm li |igmozid l cg`cimmgtoh` hn y`ots
h` g eh`tfm lgsos lgsid h` tfi iwyo~gmi`t eh`tfm
|odi| ch~i|gki r|ieoye rgglmi- {fi` |odi|
ch~i|gki rgei`t ri|ohd iwygms tfi |odi| ch~i|gki
li`inot ri|ohd
Khmd Rmys OO Rmg`
Tfi rmg` ko~is eycf eh|i tfg` g khhd o`sy|g`ci ch~i|- g`
hrrh|ty`ot th k|h{ o`~istei`t nh| tfi eidoye ti|e Ot os
{h|tf eh|i tfg` Khmd
Nigty|is:
Ot os g Y`ot Mo`aid- @h %Rg|tocorgto k- O`sy|g`ci
rmg`
Dy|gtoh` hn rmg` os 6 ig|s
R|ieoye rgo`k ti|e hn 3 ig|s {otf tfi nmivolomot
th |idyci r|ieoye yr th \s 72222 n|he tfi sich`d
rhmoc ig|
Rmg` gmsh fgs Thr%yr ngcomot
Mowyodot o` tfi nh|e hn Rg|togm [otfd|g{gms g`d
Sy||i`di| Li`inots
Rmg` fgs ; ny`d hrtoh`s
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N|ii y moeotid ny`d s{otcfo`k g`d r|ieoye
|ido|ictoh`
Imokolomot:
I`t| Gki: 76 th ;2 ig|s
Eo`oeye R|ieoye: \s92222
Eo`oeye sye Gssy|id: 9 v G``ygm R|ieoye
R|ieoye O`~istei`t: R|ieoye chmmictid os gmmhcgtid o`
~g|o k r|hrh|toh`s o` si~i` o`~istei t ny`d hrtoh s
Rhmocfhmdi| cg` s{otcf lit{ii` tfi ny`d hrtoh`s g`toei
dy|o k tfi ti`y|i hn tfi rhmoc Tfi si~i` O`~istei`t
Ny`ds g~gomglmi g|i:
7 Gssy|i
Egk`onoi|
; Egvoeosi|
Li`inots:
7 Egty|ot Li`inots :
H` egty|ot ny`d ~gmyi {omm li rgod th tfi
rhmocfhmdi|
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&l/ Sye Gssy|id |idycid nh| rg|togm {otfd|g{gm
gs nhmmh{s:
Linh|i tfi moni o`sy|id gttgo`s tfi
gki hn >2- tfi sye gssy|id rgglmi
h` digtf os |idycid l rg|togm
{otfd|g{gms egdi o` tfi
r|iciido`k ig|s
H`ci tfi Moni O`sy|id gttgo`s tfi
gki hn >2- tfi Sye Gssy|id
rgglmi h` digtf os |idycid l gmm
rg|togm {otfd|g{gms egdi n|he gki
96 h`{g|ds
3 Tgv Li`inots :
Rhmocfhmdi| os imokolmi nh| tgv li`inots Y(S 62C g`d
Y(S 72&72D/ hn tfi O`chei Tgv Gct 7?>7
Y(S 62C% R|ieoye yr th \s722222 os
gmmh{id gs didyctoh` n|he tgvglmi o`chei
igcf ig|
Y(S 72&72D/ % Tfi Li`inots |icio~id y`di|
rmg` g|i iviertid n|he tgv
Cfg|kis:
7 R|ieoye Gmmhcgtoh` Cfg|kis:
Ot os didyctid n|he r|ieoye {fi` |icio~id g`d
linh|i gmmhcgtoh` hn y`ots
Rhmocy _ig|s
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Rhmocy
Cfg|kis 7 < 3 4!
H` Rhmocy
R|ieoe 6) 4) 4)
H` thr%r
R|ieoe
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4 Eh|tgmot Cfg|kis : Tfisi cfg|kis g|i didyctid h` g
eh`tfm lgsos Tfisi cfg|kis g|i tgai` l cg`cimo`k
y`ots r|hrh|toh`gtim n|he igcf hn tfi o`~istei`t
ny`ds gt tfgt toei Tfi g``ygm |gti ri| 7222 hn Sye
Gssy|id miss ny`d ~gmyi nh| sgermi gkis g|i:
Gki 9
Niegmi 72< 447 79?3 3772 69;7
9 Sy||i`di| Cfg|kis :
Tfisi cfg|kis g|i grrmoid {fi` tfi rhmocfhmdi|
sy||i`di| tfio| rhmoc o` tfi no|st 3 rhmoc ig|s Tfi
sy||i`di| cfg|ki gs g ri|ci`tgki hn tfi g``ygm
rhmoc r|ieoye cfhsi` gt ossyi os
Rhmocy
Cfg|kis
Rhmocy _ig|s
7 < 3 4!
S||i`di|
Cfg|kis79) 7
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Tfi rmg` hnni|s eh|i r|htictoh` hn eh`i gt
syr|ieim mh{ chst
R|h~odis {otf Syr|iei Gccodi`tgm TRD &Thtgm
Ri|eg`i`t Dosglomot/
Rhmocfhmdi| kits n|iidhe th cfhhsi r|ieoye
gehy`t gs mh{ gs \s O`~istei`t Ny`d Hrtoh`s
Tfi rmg` os nmivolmi gs ot r|h~odis tfi rhmocfhmdi|
{otf Thr%Yr R|ieoye ngcomot th i`sy|i ngsti|
k|h{tf o` tfi Ny`d ^gmyi
Rg|togm [otfd|g{gms- g|i gmmh{id- gnti| 3 ig|s th
eiit mowyodot `iids hn tfi rhmocfhmdi|
Dy|gtoh`:
Rhmoc Ti|e : 72- 79-
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Dhylmi Digtf Li`inots oi Digtf Li`inots5 Sye Gssy|id !
Sg~o`ks
O`c|igso`k Digtf li`inots oi Digtf
Li`inot5 Sye Gssy|id !
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4 Ny`d Eg`gkiei`t Cfg|kis :
Tfisi cfg|kis g|i 7 7
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Li`inots:
7 Kyg|g`tiid Egty|ot Y`ot R|oci
Eo`oeye hn \s 72 h` tfi no|st \isit Dgti
Gt egty|ot- os tfi fokfist Y`ot R|oci |ich|did h` 66
\isit Dgtis
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)- 73) g`d 72) nh| rhmoc ig| 7- \i~o~gm Cfg|ki : Tfi cfg|ki nh| rhmoc
|i~o~gm os \s 722%7222 ri| |i~o~gm
NY@DS L_ LSMO
Lo|mg Sy` Moni O`sy|g`ci- g migdo`k Moni O`sy|g`ci
cherg`- hnni|s ots cmoi`ts {otf g mh`k |g`ki hn Ny`ds
Tfisi ny`ds g|i disok`id th cgti| th g ~g|oit hn `iids hn
rihrmi {fh g|i n|he donni|i`t moni stgkis LSMO hnni|s g
l|hgd |g`ki hn 7< ny`ds- igcf fg~o`k donni|o`k gssit
gmmhcgtoh`s
7< ny`ds hnni|id g|i:
7 O`do~odygm R|hticth|
O`do~odygm I`fg`ci|
; O`do~odygm Moni Egvoeosi|
6 O`do~odygm Egk`onoi|
? O`do~odygm Eymtormoi|
72 Ri`soh` @hy|osf
77 Ri`soh` I`|ocf
7
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Gssit Gmmhcgtoh` os dicodid l tfi Ny`d Eg`gki|s hn tfi
cherg` Tfisi ny`d eg`gki|s ch`to`yhysm t|gcas tfi
eh~iei`ts hn ~hmgtomi eg|ait g`d chelo`i tfos ~hmgtomot
{otf tfi ny`d |iwyo|iei ts hn tfi rhmocfhmdi|s
Gcch|do`km fi dicodis gmmhcgtoh` hn gssits o` 9 egjh|
o`~istei`t hrtoh`s:
Kh~i|`ei`t Sicy|otois
Ch|rh|gti Dilt
Sicy|otozid Dilt
Iwyot
Eh`i Eg|ait O`st|yei`ts
R|hrh|toh` hn gmmhcgto`k tfi ny`d o` tfisi hrtoh s- ~g|
gcch|do k th tfi `iids g`d ny`d |iwyo|iei ts hn
rhmocfhmdi|s Tfi ehst oerh|tg`t tfo`k th li `htocid fi|i
os tfgt tfos rh|tnhmoh os dicodid- lgsid h` tfi |ikymgtoh`s hn
O\DG Ri|nh|eg`cis hn tfisi ny`ds g|i |gtid l tfi |gto`k
gki`c%C\OSOM
Gmm tfi 7< ny`ds l LSMO g|i disc|olid limh{ gmh`k {otf
tfio| |isricto~i Gssit Gmmhcgtoh`s
O`do~odygm Gssy|i
Hljicto~i: Tfi r|oeg| hljicto~i hn tfos ny`d os th r|h~odi
Cgrotgm R|htictoh`- gt g fokf mi~im hn sgnit g`d mowyodot
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tf|hykf jydocohys o`~istei`ts o` fokf wygmot sfh|t%ti|e
dilt
St|gtik: Ki`i|gti litti| |ity|` {otf mh{ mi~im hn |osa
tf|hykf o`~istei t o`th novid o`ti|ist sicy|otois fg~o k
sfh|t%ti|e egty|ot r|hnomi
Gssit Gmmhcgtoh`:
SICY\OTOIS FHMDO@K
Ch|rh|gti Dilt 9?9;)
Eh`i Eg|ait O`st|yei`ts 7;?;)
THTGM 722.22)
FHMDO@K
9?.9;)
7;.?;)
722.22)
Ch|rh|gti Dilt
Eh`iy Eg|ait
O`st|ei`ts
THTGM
O`do~odygm Lgmg`ci|
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Hljicto~i: Tfi hljicto~i hn tfos ny`d os th gcfoi~i ~gmyi
c|igtoh` hn tfi rhmocfhmdi| gt g` g~i|gki |osa mi~im h~i|
eidoye th mh`k%ti|e ri|ohd
St|gtik: Tfi st|gtik os th o`~ist r|idheo`g`tm o` dilt
sicy|otois {otf g` gddotoh`gm ivrhsy|i th iwyot-
ego`tgo`o`k eidoye ti|e dy|gtoh` r|hnomi hn tfi rh|tnhmoh
Gssit Gmmhcgtoh`:
SICY\OTOIS FHMDO@KS
Kh~i|`ei`t Sicy|otois 72>;)
Ch|rh|gti Dilt 3?24)
Iwyot ;)
3?.24)
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Hljicto~i: Tfos ny`d hrtoh` os disok`id th lyomd tfi cgrotgm
g`d th ki`i|gti litti| |ity|`s gt ehdi|gti mi~im hn |osa- h~i|
g eidoye h| mh`k%ti|e ri|ohd tf|hykf g lgmg`ci hn
o`~istei`t o` iwyot g`d dilt
St|gtik: Ki`i|gti litti| |ity|` {otf ehdi|gti mi~im hn |osa
tf|hykf gcto~i eg`gkiei`t hn novid o`chei rh|tnhmoh g`d
nhcys h` c|igto k mh`k ti|e iwyot rh|tnhmoh {focf {omm
i`fg`ci oimd hn cherhsoti rh|tnhmoh {otf mh{ mi~im hn |osa
grritoti
Gssit Gmmhcgtoh`:
SICY\OTOIS FHMDO@KS
Kh~i|`ei`t Sicy|otois 73?2)
Ch|rh|gti Dilt 4947)
Iwyot 76>3)
Eh`i Eg|ait O`st|yei`ts 3)
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Ri`soh` I`|ocf
Hljicto~i: Fimrs th k|h{ tfi cgrotgm tf|hykf i`fg`cid
|ity|`s h~i| g eidoye th mh`k%ti|e ri|ohd tf|hykf
o`~istei`ts o` iwyot g`d dilt o`st|yei`ts- tfi|il
r|h~odo`k g khhd lgmg`ci lit{ii` |osa g`d |ity|`
St|gtik: Th ig|` cgrotgm grr|icogtoh` l ego tgo`o k
do~i|sonoid iwyot rh|tnhmoh g`d siia th ig|` |ikymg| |ity|`
h` novid o`chei rh|tnhmoh l gcto~i eg`gkiei`t |isymto`ko` {igmtf c|igtoh` nh| rhmocfhmdi|s
Gssit Gmmhcgtoh`:
SICY\OTOIS FHMDO@KS
Kh~i|`ei`t Sicy|otois 7439)
Ch|rh|gti Dilt 3?42)
Iwyot 3?)
Eh`i Eg|ait O`st|yei`ts 739;)
THTGM 722.22)
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F H MD O@
7 4 . 3 9
3 ? . 4 23 < . > ?
7 3 . 9 ;
K h~i|` e i` t
C h |r h |g t i D
I w o ty
E h` iy E g |a
CH@CMYSOH@
E t|go`o`k {gs g ~i| i`|ocfo`k ivri|oi`ci nh| ei- O fg~i
mig|`t sh eg` tfo`ks- g`d o kht o`sokft o`th tfi o`sy|g`ci
{h|mdO`sy|g`ci sicth| thdg rmgo`k g egjh| |hmi o`
i~i|h`is moni mht eh|i tfg` i~i| linh|i moni cy||i`tm
tfi|i os g cher|ifi`so~i |g`ki hn r|hdycts ch~i|o`k igcf
tri hn rhmoc g~gomglmi o` tfi eg|ait O fg~i stydoid
~g|ohys o`sy|g`ci rmg`s ch~i|id y`di| LSMO- g`d tfio|
nigty|is LSMO gmsh ko~is ~g|ohys \odi|s- {focf r|h~odis
ivt|g li`inots th tfi cysthei|s G`d o cgei th a`h{ glhyt
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tfi roh`ii|o`k nigty|is hn LSMO- moai sgmis r|hcidy|i- SOR-
itc
[fomi ehst o`sy|g`ci rmg`s lmhca eh`i nh| ci|tgo` ri|ohd
hn toei- g LSMO rmg` ko~is tfi dhylmi li`inot hn moni
o`sy|g`ci gmh`k {otf igs mowyodot tf|hykf myer sye
cgsf
Lo|mg Sy` Moni O`sy|g`ci &LSMO/- h`i hn tfi mg|kist r|o~gti
moni o`sy|i|s- os kig|o`k otsimn th tgai gd~g`tgki hn tfi ~gst
|y|gm hrrh|ty`ot tfgt fgs hri`id yr gs g |isymt hn tfi
|i~osid dino`otoh` hn |y|gm g|igs l tfi O\DG H~i| tfi mgst
nhy| ig|s- LSMO fgs rgo`stgao`km lyomt ots |y|gm
o`n|gst|ycty|i th c|igti g chst%innicto~i dost|olytoh`
`it{h|a gc|hss tfi chy`t|
E t|go`o`k kg~i ei ch|rh|gti ivrhsy|i- g`d fimrid o`
oer|h~o`k e cheey`ocgtoh` saomms O mig|`t th digm {otf
cysthei|s- o egdi tfie g{g|i glhyt ~g|ohys rmg`s- g`d
tfio| |isricto~i nigty|is- i~i` fimrid tfie th simict tfi
list rmg` gs ri| tfio| |iwyo|iei`ts
\ICHEEI@DGTOH@S
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7 Cheritotoh` n|he rylmoc sicth| g`d nh|iok` lg`as |iego`s g
ai cfgmmi`ki nh| r|o~gti sicth| lg`as Tfi `iid th |ih|oi`t
tfio| stgnn g`d innicto~im ytomozi ticf`hmhk rmgtnh|es th |itgo`
cysthei|s
Tfi sfhymd r|h~odi eh|i o`nh|egtoh` th tfi cysthei| sh tfgt
tfi lichei eh|i g{g|i glhyt o`sy|g`ci
LOLMOHK\GRF_
7. {{{lo|mgsy`moniche Dgtid 73(;(72 Toei 3:32
(72
> {{{khhkmiche
;. {{{.{oaoridog.che
http://www.paisawaisa.com/LifeInsurance%20Dated%2013/7/10%20Time%204:00http://www.google.com/http://www.wikipedia.com/http://www.paisawaisa.com/LifeInsurance%20Dated%2013/7/10%20Time%204:00http://www.google.com/http://www.wikipedia.com/8/3/2019 Birla Sun Life Insurance Product Portfolio PROJECT Report
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G@@IVY\I
7. Dh hy egai o`~istei`ts8
G._is
L.@h
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9. Fh{ dod hy cgei th a`h{ glhyt ot8
G @i{srgri|sL. H`mo`i
C. Ri|sh`gm \ini|i`ci
D. Htfi|
>. [fgt gssits dh hy h{`8
G. Ri|sh`gm fhysi
L.Cg|
C.C|idot cg|d
;. [fi|i {hymd hy moai th o`~ist8
G. Eytygm Ny`d
L.Sthcas
C.\igm istgti
D.O`sy|g`ci
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6. [fgt {hymd y moai th o`sy|i8
G. ^ifocmiL.Moni o`sy|g`ci
?. [focf o`sy|g`ci rmg` hn LSMO g|i
hy o`ti|istid o`8
G.Sg|gm Jii~g`
L.Khmd Rmys OO
C.Rmgto`ye Rmys
D.Cmgssoc Moni R|ieoi|
72. Fh{ dh hy |gti hy| rmg`s8
G. G~i|gki
L. Khhd
C. Ivcimmi`t
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