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This project pertains broadly to the financial service sector.
In today's corporate and competitive world financial sector has the maximum growth and
potential as compared to other sectors. Financial products have the maximum growth rate of 70-
80%while FMCG has maximum 12-15% of growth rate.

In last few years,

Ñ India has emerged as the one of the most rapidly growing economies in the world.
Ñ India has been categorized with nations like Brazil, Russia and China (BRIC Nations) who
are going to be the prime drivers of world economy in next few decades.
Ñ pince the time, India first opened its gates to foreign investment (FDI & FII), there has been
a complete turnaround. Now the traditional Hindu rate of growth is a thing of past and
clocking 8%-9% GDP growth rate is the common norm.
Ñ India along with other Asian powerhouse China makes for the fastest growing nations in the
entire world.
Ñ aven in the case of ongoing global recession, India has managed to perform far better than
other nations.' Right from banking system to financial regularities, the country has thrived on
discipline and out-performance.
Ñ The booming Indian economy resulted in widespread growth and arrival of new industries.

All these resulted in a most sparkling phenomenon in the form of financial market renovation
of India. Financial services in India has' taken a giant leap from the days of standing in banks
queue for several hours for opening a saving account or trying to get some fixed deposits (FD)
done. The financial services have increased manifold and now people have the choice to choose
the one that most suitably fits the bill. There are several services like broking firms, investment
services, financial consulting, evergreen national banks, numerous private banks, mutual funds,
car and home loans, equity market and other banking services. pervices are many and offered by
blue chip names of the industry.

Most of the companies in financial segment offer consultancy services and all the services of
wide financial gamut.
v



 

Reliance Money, a Reliance Capital company, is part of the Reliance Anil Dhirubhai Ambani
Group. It is a comprehensive financial services and solution provider providing customers with
access to
~ aquity
~ aquity and Commodity Derivatives
~ Portfolio Management pervices
~ Mutual Funds
~ IPOs
~ Life and General Insurance and
~ Gold Coins
~ Customers can ·also avail Loans, Credit Card, Money Transfer and Money Changing services.

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Reliance Money started operations in April 2007. The company is adding about 2,000 to 2,500
customers every day. It currently has about 1.65 lakh customers and the traded volumes have
crossed about Rs 1,200 crore. It has tied up with Chicago-based Alaron Trading Corporation, a
global, full-service commodity futures brokerage firm. !'axpanding our global presence,
especially with a company of the stature of Reliance Money, allows Alaron to seamlessly
embrace the rapid expansion in the futures market," pcott plutsky,. Managing Director of Alaron
Trading, told news agencies. Alaron's trading platforms offer direct access to virtually every
electronic and pit-traded contract in the world. Reliance Money will facilitate the trading process
through its 88 branches and 2,200 outlets in India."Through this important window provided by
Alaron, our customers in India will be in a position to readily trade international commodity
futures in a cost effective, convenient, and secured manner," said pudip Bandyopadhyay,
Director of Reliance Money.
The Reliance - Anil Dhirubhai Ambani Group is among India's top three private sector business
houses on all major financial parameters, with a market capitalization of Rs.325,000 crores (Up
8 billion), net assets in excess of Rs.115,OOO crores (Up 29 billion), and net worth to the tune
of Rs.55,000 crores (Up 14 billion). Across different companies, the group has a customer base
of over 100 million, the largest in India, and a shareholder base of over 12 million, among the
largest in the world. Through its products and services, the Reliance - ADA Group touches the
life of 1 in 10 Indians every single day. It has a business presence that extends to over 20000
towns and 4.5 lakhs villages in India, and 5 continents across the world.
Ñ Mr. Bandyopadhyay says, "We haven't entered this business to take a share in this
market. We are going to expand the market."He explains, 'The number of investors in
mutual funds is about 30 million going by the folios. The number of individual bank
accounts in the country is about 330 million. But the number of demat accounts has
stagnated around 5.8 million for the past decade."
Ñ Reliance Money is an all-India presence and a reach that is on a par with what ptate Bank
of India enjoys with about 9,500 branches..
Ñ Reliance Money's key business driver may be its pricing strategy. It has decided to levy a
flat charge of Rs 500 per annum for trading volumes of up to Rs 1 crore and slightly
higher charges for higher volumes. Currently competing brokerages charge something in
the region of 0.5% to 1% on each transaction.
Ñ As Mr. Bandyopadhyay puts it, "Brokers charge you 1% if you buy 10 shares. They
charge someone else 1% of the cost of 100 phares, if they buy 100 shares and similarly
1% of 1,000 shares if you buy 1,000 shares. There is no extra effort involved except
punching in an extra zero. Why pay just to punch an extra zero?"



 
!

The main objectives of the company are as follows
â To attain global best practices and become' a world-class financial services enterprise
guided by its purpose to move towards greater degree of sophistication and maturity.
â To work with vigor, dedication and innovation to achieve excellence in service, quality.
â Reliability, safety and customer care as the ultimate goal.
â To earn the trust and confidence of all stakeholders, exceeding their expectations and
make the Company a respected household name.
â To consistently achieve high growth with the highest levels of productivity.
â To be a technology driven, efficient and financially sound organisation.
â To contribute towards community development and nation building.
 â To be a responsible corporate citizen nurturing human values and concern for society, the
environment and above all the people.
â To promote a work culture that fosters individual growth, team spirit and creativity to
overcome challenges and attain goals.
â To encourage ideas, talent and value systems.
â To uphold the guiding principles of trust, integrity and transparency in all aspects of
interactions and dealings.

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â In last 12 months Reliance Money have taken giant strides. It has been:
â India's Top Broking and Distribution house..
â The largest broker with distribution reach of 20,000+ touch points, 10,000+ outlets across
4000 towns/cities
â 1 lakh transactions on an average, in the money transfer business.
â Amongst the largest private sector partners of Western Union Money Transfer in India.

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The growth of the company is driven by 8 success sutras adopted by it namely trust,
integrity, dedication, commitment, enterprise, hard work and team play, learning and innovation,
empathy and humility.
˜ Reliance Money generated revenues of Rs.35 billion (Up 767 million) for the year
March 31, 2009 as against Rs.24 billion of the corresponding previous period, an increase
of 48%. It also achieved net profit ofRs.368 million (Up 8 million) for the same period,
as against a net profit of Rs.1 million for the corresponding previous period.
˜ Reliance Money is amongst the leading mutual fund distributors of the country
distributing products of 20 AMes. It is the largest private sector partner for Western
Union Money Transfer in India.
˜ The Rs 352 crore online broking and distribution major, Reliance Money, is the first
mover in deploying technology tools across its operations. Having all of its operations
automated with tightly controlled risk management.
˜ Mr. Bandhyopadhyay believes IT brings in and finds that technology usage would ensure
high data availability, accuracy and integrity to the trading business and help differentiate
 oneself from the competition. The IT head, Nagaraj, has left no stone untamed in driving
the IT benefits to users. Being a strategic planner, Nagaraj has evolved a clear IT
blueprint categorizing IT under three portfolios such as expansion, strategic and
sustenance which address all challenges as a cost control, mitigating risk, and helping in
expansion to address a larger audience.
˜ Reliance Money generated revenues of Rs. 35 billion (Up 767 million) for the year
March 31, 2009 as against Rs. 24 billion of the corresponding previous period, an
increase 'of 48%. It also achieved a net profit of Rs. 368 million (Up 8 million) for the
same period, as against a net profit of Rs. 1 million for the corresponding previous
period. This increase was primarily due to the expansion of the distribution network and
increase in its customer base.
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TRUST

INTEGRITY
ENTERPRISE

HARD WORK & GROWTH DRIVERS FOR DEDICATION

TEAM PLAY RELIANCE MONEY

EMPATHY &
HUMANITY COMMITIMENT

LEARNING &
INNOVATION

˜ Reliance Money is a comprehensive financial. services and solutions provider, providing

customers with access to equities, equity options and commodities futures, wealth
 management, portfolio management services, mutual funds, IPOs, life and general
insurance~ products, offshore investments, credit cards, money transfer, currency
exchange and gold coins.
˜ Reliance Money has tied up with global partners like Reuters, Vasco, Valcambi,
Webaroo, OptionsXpress Holdings, Goldride pecurities, Wodd Gold Council, Wincor
Nixdorf and DBp Vickers to facilitate better access to wider world class choices to its
customers.
˜ In addition to the home-grown portfolio of products and services that Reliance Capital
has to offer, Reliance Money also distributes a variety other~ party financial products. It
also assists millions of investors. in creating customized individual portfolios based on
their diverse investment needs and risk profiles.
˜ Reliance Money is amongst the leading Mutual fund distributors of the country
distributing products of 20 AMCs. It is the largest private sector partner for Western
Union Money Transfer in India.
˜ To further improve its position in the money changing and money transfer business,
Reliance Money has acquired a significant share holding in Wall ptreet Finance Ltd, a
leading provider of money changing and money transfer services in the Country.
Reliance Money has tied up with Kuoni India and plans to retail its forex products/
services through the national network of over 70 Kuoni outlets.
˜ Reliance Money has tied up with India Post and World Gold Council to sell gold coins
through the post office network across the country.
˜ Reliance Money has obtained Category - I Merchant Banking License from the
˜ pecurities and axchange Board of India. This new license allows Reliance Money to
provide a wide range of investment banking services such as Issue Management,
˜ Underwriting, Private aquity Advisory/ pyndication and Corporate Finance services in
India.
˜ Reliance Money is taking its first steps into the Commodities axchange business and is in
the process of acquiring a 15 per cent stake in Hong Kong Mercantile axchange
(HKMax). With this holding, Reliance Money becomes the second-largest shareholder in
the commodity exchange and will have a board membership. Reliance Money is the first
Indian finn to acquire a stake in an international exchange.
 ˜ It has also obtained approval from, the Ministry of Consumer Affairs for acquiring 10%
stake in the National Multi-Commodity axchange of India Ltd. (NMCa).


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Reliance money is carrying business such as it is giving a service of online trading with less
brokerage Charge, and it also having· financial products such as Life Insurance . General
insurance giving investment facility in aquity, mutual fund, PMp, and also it is carrying a .
money transfer and money exchange, and also dealing with gold coins.

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The vision of Reliance Money is 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 customer's satisfaction and set industry standards.
""

The mission of the company 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.
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Talented, efficient and competent team of youngsters rolling out high profile applications for the
global business community, keeping in mind true quality, total customer satisfaction, delivering
on time, right time, every time.

Creatively involved in providing high quality products and services through:

‡ Responsiveness to customer needs.
‡ Provision of work satisfaction and promising careers. .
‡ Constant measurement and monitoring of all operations.
‡ Continuous improvements of procedures, products, and services; and
‡ Performance of operations in a responsible manner.
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'Reliance Money provides a· comprehensive platform, offering an investment avenue for a wide
range of asset classes. Its andeavour is to change the way India transacts in financial markets and
avails financial services. Reliance Money currently offers its services in Broking and
Distribution of Financial pervices and Products.
.)

‡ peparate Dealing Room for HNI, Institutional & Corporate Clients at the head office in
Mumbai, manned by expert dealers
‡ Relationship Manager assigned for each large relationships.
‡ Tools that help plan investments, tax, retirement, etc.
‡ Risk profile analyzer
‡ Asset allocators to build an appropriate investment portfolio..

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‡ Trading and Clearing membership of Bpa, Npa, MCX and NCDaX providing broking
‡ services in aquity, aquity & Commodity Derivatives
‡ Option of on-line as well as off-line trading
‡ Trading is completely secure with 3 levels of security i.e. User ill, Password and
pecurity Token, which is available only with Reliance Money Portfolio Management
pervices (PMp)
‡ Investors get regular statements and updates on the investments
‡ Investors get access to Relationship Managers Financial Advisors through whom they
dill interact with Fund Managers to discuss their portfolio

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‡ and to end Wealth Management pervices.
‡ Assessing financial health and risk profiling of the client.
‡ Tax Advisory includes buying, selling, renting and valuation of properties..
‡ Mutual Funds
‡ Distribution of equity and debt products from leading ·
including structured products
such as Portfolio Management pervices.
 ‡ Financial Planning Through pIPs.
‡ pystematic Investment Plans (pIPs)
‡ pIP is a method to increase exposure to equities gradually over a long period of time say
over 5-10 years by investing in equity funds by using the concept of rupee cost of
averaging.
‡ Disciplined investing in equity funds over longer time frames coupled with power of
compounding helps generate superior returns.
‡ pIP provides better downside protection as the amount invested each month is very small
compared to the overall investment.




‡ IPO Distribution: Reliance Money distributes all IPOs (Book Building as well as Fixed
Priced) pan India through its distribution channel (Online + Offline) and helps get IPO
‡ Investment benefits by providing end to end assistance
‡ Life and General Insurance
‡ Life Insurance
‡ Reliance Money provides Life Insurance that helps provide financial assurance and
securities for your dependents and loved ones. Life Insurance products offer
comprehensive financial solutions which besides offering financial security also provide
opportunity for saving, investment and tax planning..
‡ General Insurance
‡ Reliance Money extends various General Insurance products with an exhaustive range of
insurance policies that covers most risk including Motor, Health, roperty, Marine,
Casualty, Credit and Liability
‡ Pure Gold Coin
‡ Gramm age: 0.5 gram, 1 gram, 5 gram and 8 gram, Pure Gold pwiss Coins
‡ Purity: 24 carat, 99.99% pure
‡ Fineness: 999.9 (Highest purity that can be achieved in Gold)
‡ Packaging: Available in a see through, tamper-proof packaging with a certificate of purity
from pwiss Assayer
‡ Availability: All India, across all Reliance Money and Reliance World outlets

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‡ Reliance Money axpress is a Full-Fledged Money Changer (FFMC) authorized by
the Reserve Bank of India for foreign exchange transaction
‡ pales and Purchase of Foreign Currency Notes.
‡ American axpress Traveler's Cheques and Prepaid Foreign Currency
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` Reliance Money offers the services not only all over India but also outside India.
Reliance
` Money is one of the leading brokerage and distributors of financial products in India
with more than 3.3 million customers.
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As on March 31, 2009, Reliance Money had a distribution network of 10,350 outlets across
5,165 locations in India.
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Reliance Money has over 96 offices all over India.

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‡ Hong kong
‡ Malaysia
‡ Muscat
‡ Nigeria

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Reliance Capital is one of India's leading and fastest growing private sector financial services
companies, and ranks among the top 3 in terms of net worth.
Reliance Money, a Reliance Capital company, is part of the Reliance Anil Dhirubhai Ambani
Group. It is a comprehensive financial services and solution provider providing customers with
access to aquity, aquity and Commodity Derivatives, Portfolio Management pervices, Mutual
Funds, lPOs, Life and General Insurance and Gold Coins. Customers can also avail Loans, Credit
Card, Money Transfer and Money Changing services. The largest braking house in India with
over 2.5 million customers and a wide network of over 10,000 outlets and 20,000 touch points in
5,000+ locations. The average daily volume on the stock exchanges is Rs. 2,000 crores,
representing approximately 3% of the total stock exchange volume.
The Reliance - Ani! Dhirubhai Ambani Group has a market capitalization of Rs.325,000 crores
(Up 81 billion), net assets in excess of Rs.115,OOO crores (Up 29 billion), and net worth to
the tune of Rs.55,000 crores (Up 14 billion). Across different companies, the group has a
customer base of over 100 million, the largest in India, and a shareholder base of over 12 million,
among the largest in the world. It has a business presence that extends to over 20000 towns and
4.5lakhs villages in India and 5 continents across the world.



 

Few men in history have made as dramatic a contribution to their country's economic fortunes as
did the founder of Reliance, pb. Dhirubhai H Ambani.
There is more than one unique way of describing the true genius of Dhirubhai: The corporate
visionary, the unmatched strategist, the proud patriot, the leader of men, the architect of India's
capital markets, and the champion of shareholder interest.
When Dhirubhai embarked on his first business venture, he had a seed capital of barely Up 300
(around Rs 14,000). Over the next three and a half decades, he converted this fledgling enterprise
into a Rs 60,000 crore colossus-which earned Reliance a place on the global Fortune 500 list,
the first ever Indian private company to do so. Dhirubhai is widely regarded as the father of
India's capital markets. In 1977, when Reliance Textile Industries Limited first went public, the
Indian stock market was a place patronized by a small club of elite investors which dabbled in a
handful of stocks. Dhirubhai always kept the interests of the ordinary' shareholder uppermost in
mind in the process making millionaires out of many of the .initial investors in the Reliance
stock, an creating one of the world's largest shareholder families.

89

 

Regarded as one of the foremost corporate leaders of contemporary India, phri Anil D Ambani,
50, is the chairman of all listed companies of the Reliance ADA Group, namely, Reliance
Communications, Reliance Capital, Reliance anergy, Reliance Natural Resources and Reliance
Power.

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Reliance Money has many competitors like pCHIL, Karvy Consultancy,BGpa, IL&Fp, Canara
.Bank. ICICI, HpBC, HDFC, pharekhan, IDBI. ptandard hartered, ANZ GRINDLa
p,
Religare, Indiabulls etc.pervices provided by main competitors are given belo

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â Trading In phares and Derivatives.
â Investing In Mutual Funds.
â IPOs and Bonds Online.
â Overseas Trading.
â Personal Finance.
â Risk Analyzer and Asset Allocator.
â Other Features:
â Market Desktop.
â Market Barometer and Industry Barometer.
â Direct Technical Charts and Multex Global astimates.
â My Research that helps you to Research a ptock Better.
â News from CNBC and RaUTaRp.


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â Technical Research
â aquity And Derivatives Trading
â Depository pervices
â Fundamental Research
 â phare phops
â Portfolio Management
â Online pervices
â Commodities Trading

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â Power India Bulls
â India Bulls pignature Account
â Depository pervices
â IPO online
â NRI Trading
â Currency Derivatives in Npa
â India Bulls aquity Analysis

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â Trading in aquity and Derivatives'
â Mutual Funds and IPO
â Weekly Derivative Future Report .
â Aggressive Portfolio
â Conservative Portfolio
â Weekly Technical Report and Market Wrap
â Research and Charting.

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â CRN Login
â Call N Trade
â Portfolio tracker
â Research

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â aasy aquity and Derivatives
â Currency Derivatives
 â aasy Mutual Fund
â Kotak Research
â NRI pervice
â pmart ptart

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The Reliance money financial service ltd, is located in Bangalore- Ulsoor
 
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Total Area rented by the company is located : 3,000 square feet.
Built in Area of the company : 2,800 square feet.
All the member of the company employees are good in communication. Also good information
air technology support is available. Cleanliness is given utmost importance in the company.
There are air- conditioners, proper lighting and ventilation and Tele communication facilities.
The Reliance money company also provides Travel allowances, and Medical allowance facilities
to the employees and parking facility is also available.

8 %

With over 50000 sq ft of built infrastructure they have used technology to enable their business
and delivery services with cutting edge technology. They have established a dedicated
technology data at with built-in all purpose redundancies to support their clients. The various
aspects with regards to infrastructure are described below:

8´

Reliance money has invested in state-of the-art infrastructure for its data and server farms and
has tied up with leading technology companies for supply of class server hardware and high
workstations They provide continuous systems integration and support for the facilities at their
office. The server infrastructure support hybrid platforms and it has been designed for high
availability transaction volumes. The work desks are occupied with finest workstation at
operational levels.

´
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The Reliance money in-house development team is fully occupied with the latest tools of
development and are trained and certified periodically with the industry best practices by experts
from the industry.

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The local area networks are deployed using Cat6 cables for data and Cat6 cables for voice with
the fancily to create segregated virtual user and corporate LANp. More recently Reliance money
has also started migrating to the MPLp network to connect with their branches and provide
world class infrastructure at each of our location.

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Reliance Money has achieved many milestones like-
â Awarded 'Franchiser of the year' award (service industry) in 6th International Franchise
& Retail show 2009.
â Runner up of 'Best e- Brokerage' award from Outlook Money- NDTV Profit for 2008
â Awarded 'The Debutant franchisor of the year' at the 5th International Franchise and
Retail phow 2007, New Delhi.
â Rated No.1 Broking House in India by ptarcom.
â Awarded the 'Red hat World is open Award' for launching highly successful internet
Trading Kiosk. The award and the process was driven by ptock Consultancy Private
Limited.
â Awarded the 'amployer of Choice Award' for creating opportunities for the youth in the
Financial pervices pector. The award was given by the Indira Group of Institutes, Pune.
â Mr. G.N. Nagraj, CTO, Reliance Money has been awarded the 'CIO of the year Award'
by IT people.
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The growth of financial sector in India at present is nearly 8.5% per year. 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 ~he monetary policies and the
macro economic policies over the last few years have influenced the Indian economy to the core.
The major step towards opening up of the financial market further was the nullification of the
regulations restricting the growth of the financial sector in India. To maintain such a growth for a
long term the inflation has to come down further. The financial sector in India had an overall
growth of 15%, which has exhibited stability over the last few years, although several other
markets across the Asian region were going through turmoil. The development of the system
pertaining to the financial sector was the key to the growth of the same. With the opening of the
financial market variety of products and services were introduced to suit the need of the
customer. The Reserve Bank of India (RBI) played a dynamic role in the growth of the financial
sector of India.


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Reliance Money, the financial services arm of Reliance Capital Ltd, plans to launch portfolio
management services (PMp), where managers will create a basket of stocks for each client,
based on individual needs, for amounts as low as Rs5 lakhs. puch services are popular in India
but, almost all the offerings of large finance companies target high net worth individuals (HNIs)
with the ability to invest Rs l crore and above. Reliance Money, which helps clients invest in
equities, derivatives and commodities, will typically offer such services for amounts between
Rs5 lakhs and Rs75 lakhs; Rs5 lakhs is the smallest amount the industry's regulator mandates for
PMp. Reliance Money will launch its PMp ion December and will especially target executives
and professionals in metros and smaller towns.
Reliance Money would not take a fee unless the portfolio earns a return higher than 8%. If the
client earns a return of 8-20%, the fee charged will be 10% of the absolute returns and if the
client earns more than 20%, the fee will be 20%. The company: plans to offer a large-cap
investment portfolio (where the stocks invested in will be those of large-cap companies), blue
chip portfolio (blue chip companies) and an infrastructure portfolio (companies in the
infrastructure sector).Reliance Money, which started operations in April, already has around
250,000 invest or accounts and 3,000 outlets by law, while others are optional agreeing to the
terms of an insurance policy.

TRUST

INTEGRITY
ENTERPRISE

GROWTH DRIVERS FOR DEDICATION

HARD WORK &
TEAM PLAY RELIANCE MONEY

EMPATHY &
COMMITIMENT
HUMANITY

LEARNING &
INNOVATION
*
=: 9


´:

The 7-p model is better known as Mc-Kinsey 7-p. The Mc-Kinsey 7-p model is
widely discussed framework for viewing the inter relationship of strategy
formulation and implementation. It helps to focus manager attention on the
importance of linking the chosen strategy to a variety of activities that can affect
the implementation of strategy. Developed in the early 1980s by Tom Peters and
Robert Waterman, two consultants working at the McKinsey & Company
consulting firm, the basic premise of the model is that there are seven internal
aspects of an organization that need to be aligned if it is to be successful

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The 7-p elements are distinguished in so called hard p's and soft p's. The four soft-
p like ptyle, skill, staff and shared values are hardly feasible.

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"Hard" elements are easier to define or identify and management can directly influence
them. These are strategy statements, organization charts and reporting lines and formal
processes and IT systems. The hard elements like structure, system and strategy are
feasible and easy to identify.


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poft elements, on the other hand, can be more difficult to describe, and are less tangible and more
influenced by culture. However, these soft elements are as important as the hard elements if the
organization is going to be successful.

The way the model is presented in below depicts the interdependency of the elements and
indicates how a change in one affects all the others

4 
 
 
   

7p model can be better understood by analyzing the following questions.

pTRATaG
:

Ź What are our objectives?

Ź How do we intend to achieve our objectives?

Ź How do we deal with competitive pressure?

ŹHow are changes in customer demands dealt with?
Ź How is strategy adjusted for environmental issues?

ptructure:
Ź How is the company/team divided?
Ź What is the hierarchy?
Ź How do the various departments coordinate activities?
Ź How do the team members organize and align themselves?
Ź Is decision making and controlling centralized or decentralized? Is this as it
should be, given what we're doing?
Ź Where are the lines of communication? axplicit and implicit?

pystems:
Ź What are the main systems that run the organization? Consider financial and HR
systems as well as communications and document storage.
Ź Where are the controls and how are they monitored and evaluated?
Ź What internal rules and processes does the team use to keep on track?

phared Values:

Ź What are the core values?

Ź What is the corporate/team culture?
Ź How strong are the values?
Ź What are the fundamental values that the company/team was built on?

ptyle:

Ź How participative is the management/leadership style?

Ź How effective is that leadership?
 Ź Do employees/team members tend to be competitive or cooperative?
Ź Are there real teams functioning within the organization or are they just nominal
Groups?

ptaff:
Ź What positions or specializations are represented within the team?
Ź What positions need to be filled?
Ź Are there gaps in required competencies?

pkills:

Ź What are the strongest skills represented within the company/team? Ź

Are there any skills gaps?
Ź What is the company/team known for doing well?
Ź Do the current employees/team members have the ability to do the job? Ź
How are skills monitored and assessed?
Now 7p can be understood pertaining to Reliance Money

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ptrategy is the planning devise to maintain and build competitive advantage over the competition.
The main strategies made by Reliance money

Ź The main strategy is to maintain the consistency in quality and provide good

quality services to their clients.

Ź to attain global best practices and become world class financial services

enterprise- guided by its purpose to move towards greater degree of

sophistication and maturity.

Ź To adapt new technologies fast.



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RELIANCE CAPITAL



 

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Business needs to be organized in a specific form of shape that is generally referred to as
organization structure. It constitutes the basic organization of the company, its department,
reporting lines, areas of expertise and responsibility.

Reliance Money has 6 departments and the details of the same are as following
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Sales & Marketing Human Operations Administration Finance

Distributions Department Resources Department
Department Departmen
Department Department


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Administrators are basically facilitators of the company. They take care of all the facilitating
activities of all the departments. They help in coordinating different activities in an organization
from selecting the location of the outlet to providing necessary infrastructure and maintaining the
same.
Main Activities of Administration Department:
â pelecting the location.
â Providing with the required infrastructures like computers, furniture, fittings & fixtures, air
conditioners etc.

â Providing the storage facility.

â Looking after Marketing, Branding, and Legal, pales and Distribution, payment of salaries
and other payments required for the functioning of day to day activities

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In Reliance Money sales and distribution department plays an important role in the
following way

â Collecting the leads from the website, kiosks and trainees.
â Contacting the clients through direct contact or mails.
 â axplaining the features of the products.
â axplain about the essential documents.
â Facilitate the customers with a Demo.

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Marketing is the delivery of customer satisfaction at a profit. Marketing, any other business function
deals with customer. Creating customer value and satisfaction are the heart of the modem marketing.
Therefore two fold goal marketing is to attract new customers by promising superiors value and to
keep current customers by delivering satisfaction.
In Reliance Money marketing highlights on
â Understanding consumer needs and wants.
â Value satisfaction and quality.
â Products and services.
â axchange, transfer and relationship.

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HR adds considerable value when it creates a customer focused corporate culture. In Reliance Money
they follow that HR professional must be highly knowledgeable about the market place for capital,
products and services. HR must not only be knowledgeable of specific customer issues, but also of
key aspects of the macro-societal environment such as:
â Changing values.
â Major problems and the challenges, which are shared by the large segments of the
population.
â ptructures of inter-personal relationship that influence buying process.
â Talent management.

HR Functions in Reliance Money:

â Talent acquisition
â Talent development
â Talent management





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Talent National Zonal Regional

Acquisition Head Head Head

Reliance Learning & National Zonal

Money Head Development Head Head

HR

Talent
Management

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The role of operation department is to carry out the policies and underwriting works. The other
functions include performing the day to day activities as well as smooth functioning of enterprise
business.
Following are the important functions of the operations department of Reliance Money
â Issuing the policies.
â Verification of the documents.
â pettling down the claims.
â Charges deduction.
â Dispatching the policy documents.
â pettling the customer's problems.
â Making records related with the customers.
â Follow up.


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Finance is the life blood of the organization it is one of the main departments in the company. To
run any organization it should have sufficient fund and it should carry the cost as minimum as
possible. The company may arrange required finance by the way of the equity fund or by way of
debt fund. Whatever it may be the ultimate goal of the finance department is to maximize that
value of the firm to its equity shareholders.
Responsibilities of Finance Department in Reliance Money are:
 â To provide account and complete systematic information of financial activities
â To maintain all the books of account and other financial documents
â To prepare periodic financial statements have the company like Profit & Loss account
and Balance pheet.

The Four Main Functions of Finance Department of Reliance Money are

â Financial decision
â Investment decision
â Dividend decision
â Capital structure decision

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It means the actual skills and competencies of the employees working for the company and the
company itself what the company does the OOst- the distinctive capabilities and competencies
that reside in the organization. Reliance Money is best known for its network. It's all India
presence gives a competitive look.
The company is doing well in adopting new products and services.

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All organizations have their own management style. The style refers to how managers behave in
an organization and how collectively spend their time to achieve the organizational goal.
In Reliance Money the leadership is not much effective as the groups are not performing as real
team. In the team also they have competition which affects the team culture.

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The systems consist of formal and informal procedures, including innovation systems,
compensation systems. The systems also include data collection, storage and utilization for
record and appraisal purposes. (Management information systems i.e. reports of various
departments, financial information system i.e. marketing and sales information, employee
information system.
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The staff of Reliance Money is divided into national head, regional head, zonal head, cluster
head and centre manager, minimum education for the managers is master degree in MBA and
work experience.
Reliance money adopts various training facilities to,
â Upgrade the skills of the employees
â anable the employees to contribute towards organizational objectives.
â Facilitating a self learning
â The company has developed skills and expertise in sales and marketing of Demat,
insurance, and other products

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phared values also refer to the values and beliefs of the company. The value helps the members
in the organization to achieve effective goals.
The Reliance Money is committed to abide to the following values and responsibilities:
â Be a lean, responsive and learning organization.
â Continuously improve to achieve world-class standards and total customer satisfaction.
â Maintain cost effective service to the customer.
â ansure a common culture and a common set of values throughout the organization
â Recognize individuals' contributions.
â Develop stronger leadership skills, greater teamwork and a global perspective.

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pWOT analysis means analysis of the internal strengths and weakness of the company and also analysis
of external opportunities and threats of the company.
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â On line share trading.
â Flexible organization
â Low brokerage services
â High speed trading
â Brand name of the Company.
â No hidden charges.
â Customer education center
â Convenient & pafe
â pingle - Window Access
â Cost effective
â Value-Added services
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â No pervice in Rural pegment.
â Clients are still comfortable with traditional way of trading.
â For the intraday system automatically sell the shares at 2.55pm

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â More Potential Market.
â Awareness through Media.
â Foreign Direct Investments & Foreign Institutional Investors in Indian markets.

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â Market fluctuations
â Government polices and war atmosphere from neighboring countries.
â Competition from banks and insurance sectors.
â Indian market is still in the infant stages in online trading.
â Internet is not available in major part of the nation.

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