A

SUMMER TRAINING PROJECT REPORT

ON
“A STUDY OF INSPLORE ON INVESTMENT”

Submitted in partial fulfillment of the requirements for the

Two-Year Full-Time Master of Business Administration

(Affiliated to Dr. A.P.J. Abdul Kalam Technical University, Lucknow)

(SESSION 2024- 2025)

Submitted By
Submitted To:
Rohan Jha
Anjana singh MBA 3" Semester
Assistant Professor University Roll No.

DELHI HAPUR BYPASS (NH-9 NEAR DASNA FLYOVER UDYOG KUNJ)

GHAZIABAD, UTTAR PRADESH 201009

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 Company Certificate

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 STUDENT DECLARATION

i,Rohan Jha, student of MBA 2023-2025 of Integrated Academy of

Management & Technology, Ghaziabad hereby declare that the Summer Training

Project Report titled- “A STUDY OF INSPLORE ON INVESTMENT”

submitted in partial fulfillment of Degree of Masters of Business Administration is

the original work conducted by me.

The information and data given in the report is authentic to the best of my

knowledge.

DATE:

SIGNATURE:

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 ACKNOWLEDGEMENT

Rohan jha ,would like to thank my mentor for extending her helping hand towards

this Summer Training Project Report and also assigning me the topic “A Study of

INSPLORE ON INVESTMENT”. I would also like to express my gratitude to the entire

teaching faculty for giving their valuable time for explaining the assigned topic

towards this Summer Training Project Report clearly in a detailed manner. Not to

forget my friends and parents for their constant support.

Date:
Signature:

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 FACULTY GUIDE CERTIFICATE

This is to certify that the submitted Summer Training Project Report titled

“A Study of INSPLORE ON INVESTMENT”, is a Bonafide work carried out by Rohan

jha of MBA 2023-2025 and submitted to Integrated Academy of

Management & Technology, Ghaziabad in the partial fulfillment of Summer

Training Project Report for the Degree of Masters of Business Administration.

Signature of guide

Name

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 HOD Certificate

This is to certify that the Summer Training Project Report titled

A STUDY OF INSPLORE ON INVESTMEN is a bonafide work

carried out by “ Rohan Jha ” who is a student of MBA 2023-2025 batch at Integrated

Academy of Management & Technology, Ghaziabad. The Summer Training Project

Report is submitted in partial fulfillment of the requirement for the award of the

Degree of Masters of Business Administration.

Name of HOD

Signature of HOD

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 Table of Content

Topic
1. Executive Summary 8-9
2. Introduction 10-11
2.1. Purpose of study 12-14
2.2. Industry overview 15-20
3. Literature Review 21-22
4. Research Objectives and Hypotheses 23-26
5. Research Methodology 27-31
5.1. Research Design
5.2. Data Requirements
5.3. Data Collection Method and Instrument
5.4. Sampling and Sample Size
5.5. Data Analysis Techniques
5.6. Limitations of the Study
6. Data Analysis and Interpretation 32-47
7. Findings of the Study 48-51
8. Recommendations 52
9. Conclusions and QUESTIONNAIRE 53-59

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 EXECUTIVE SUMMARY

Investment of earned money is a crucial activity of every human being. Or you can say that,

Investment is the employment of funds with the aim of getting return on it. In general terms,

Investment means the use of money in the hope of expand or double your money.

But in Finance terms, Investment means the purchase of financial products with an expectation

to getting favorable future returns. In other word, it is a reward for waiting for money.

In Insplorewe have 3 in 1 plan to begin right India first life MAHAJEEVAN PLUS PLAN.

This a non-linked, participating, individual, limited pay, money back endowment life insurance policy

which not only provides a shorter pay commitment of 12 years but also gives you savings and protection

in a single policy while keeping you protected for a long term of 15 or 20 years.

I have done this research for purpose of:

1. Investment helps to reduce the tax burdens (provided by Income tax Act).

2. To save money for retirement

3. To assess the Return and Risk involved in various Investment Avenues.

4. Financial Advisory: They provide portfolio management, financial analysis, tax-

saving strategies, and investment consulting in areas like mutual funds, insurance, and

real estate

5. Professional Development: The firm also focuses on skill development programs and

internships to empower job seeker

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 Performance Highlights

• In FY 2022, the company saw significant growth with a 471% increase in revenue

and an 1101% rise in profit

• The firm emphasizes a holistic approach by bridging candidates with organizations and

offering strategic investment guidance

Insplore's mission is to streamline recruitment processes and provide reliable wealth

management solutions for its clients, aligning with their business goals and financial

aspirations.

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 Introduction

Insplore, headquartered in Delhi, is one of India's most reliable consulting firms. As financial

advisors, we primarily focus on providing help to all individuals who have aspired to be

financially self-sufficient.

"One should not work for money; rather, one should learn how money might work for

them," is our motto. This is what we refer to as financial literacy.

In a very Simple word, it is a concept of Investment is a deferred consumption, including

purchase of assets, giving a loan, keeping funds in bank accounts with the target or aim of

generating favorable future returns.

An investment is essentially an asset that is created with the intention of allowing money to

grow.

The wealth created can be used for a variety of objectives such as meeting shortages in income,

saving up for retirement, or fulfilling certain specific obligations such as repayment of loans,

payment of tuition fees, or purchase of other assets.

There are various investment avenues are available like; Saving bank Account, Bank Fixed

Account, Mutual Funds, Post Office Savings Scheme, Public Provident Fund, Gold Investment,

Real Estate, etc.

Presenting, India’s First Life Maha Jeevan Plus Plan, a life insurance plan which will ensure

security, savings and cash flow aligned with your future financial needs, all packed-in-one. The

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 policy is designed to ensure a long-term safety net for your loved ones, alongside ensuring you

have periodic cash ready to realize your dreams together and all this while you pay for a

durationshorterthanyourpolicyterm! Additionally, we understand how important the security of

your family is hence, we ensure a continued life cover even if you missed paying a premium;

through the Life Cover Continuance (applicable after you have paid two full years’ premiums)

for a year.

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 Purpose of the study

The purpose of this study conducted at Insplore TLS Consultant Pvt Ltd is to provide

students with hands-on experience in the fields of consulting, insurance solutions, or

market analysis, depending on the company’s primary functions. The study aims to achieve

the following objectives:

1. Practical Application of Theoretical Knowledge:

To bridge the gap between academic learning and real-world business practices by

applying theoretical concepts in a professional environment.

2. Understanding Business Operations:

To gain in-depth insights into the operational aspects of consulting services, including

client handling, data analysis, market research, or policy recommendations.

3. Skill Development:

To enhance core competencies such as Advanced MS Excel, communication,

market research, and team leadership, which are crucial in consulting and

insurance industries.

4. Industry Exposure:

To understand the dynamics of working in a fast-paced, target-driven environment,

and how strategic decisions are made to achieve business goals.

5. Problem-Solving Experience:

To identify challenges within the organization, analyze them critically, and propose

effective solutions or recommendations.

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 6. Professional Growth:

To help students cultivate professionalism, improve interpersonal skills, and learn to

work collaboratively in a corporate setting.

7. • Exposure to Consulting Practices:

To understand the methodologies and frameworks used in consulting services,

including problem diagnosis, solution development, and implementation strategies.

8. • Developing Analytical Skills:

To enhance analytical thinking by working on data-driven projects, interpreting

complex datasets, and drawing actionable insights.

9. • Understanding Client Management:

To gain knowledge of client acquisition, retention, and relationship management,

which are essential for consulting and service-based industries.

10. • Learning About Business Strategy:

To explore how business strategies are crafted, executed, and evaluated to meet client

needs and achieve organizational targets.

11. • Industry-Specific Knowledge:

To acquire insights into specific industries served by Insplore TLS Consultant Pvt

Ltd, such as insurance, financial services, or market research.

12. • Process Optimization Skills:

To understand and analyze existing business processes and suggest improvements to

enhance efficiency and effectiveness.

13. • Use of Technology in Business:

To learn about various tools and technologies (e.g., CRM systems, DMS billing

systems, and Excel automation) used to streamline operations and improve service

delivery.

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 14. • Team Collaboration:

To experience working within cross-functional teams and understand the dynamics of

collaboration, communication, and leadership in a professional setting.

15. • Learning Project Management:

To gain practical experience in managing projects, including planning, executing,

monitoring, and closing tasks within set timelines.

16. • Understanding Regulatory Compliance:

To develop an understanding of regulatory guidelines and compliance standards

relevant to consulting and insurance industries.

17. • Developing Critical Thinking:

To enhance critical thinking and decision-making skills by analyzing real-world

business problems and exploring innovative solutions.

18. • Preparing for Career Readiness:

To build a solid foundation for a career in consulting, insurance, or related industries

by acquiring practical skills, industry knowledge, and professional experience.

19. • Networking Opportunities:

To connect with industry professionals and mentors, creating opportunities for career

growth and future employment.

20. • Professional Ethics and Values:

To understand and practice ethical standards, integrity, and accountability in a

business environment.

21. • Research and Reporting Skills:

To improve skills in conducting research, compiling data, and presenting findings in a

structured, professional manner.

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 Industry overview

The consulting industry in India has experienced significant growth over the last few decades,

driven by the country’s expanding economy, digital transformation, and increasing need for

specialized services. The industry broadly includes management consulting, technology

consulting, financial consulting, and human resources (HR) consulting. Consulting firms

help organizations improve performance, optimize operations, and implement new strategies.

Key Trends in the Consulting Industry

1. Digital Transformation: Companies are increasingly investing in digital solutions,

leading to a demand for consulting services related to automation, data analytics, and

AI-driven insights.

2. Growth of Niche and Boutique Firms: Specialized consulting firms, like Insplore

TLS Consultant Pvt. Ltd., are gaining traction for their focused expertise in specific

industries or services.

3. Remote Consulting Services: The post-pandemic era has accelerated remote and

hybrid work models, making virtual consulting services more prevalent.

4. Regulatory and Compliance Consulting: With evolving government regulations,

there’s a growing need for firms to offer services related to compliance, taxation, and

governance.

About Insplore TLS Consultant Pvt. Ltd.

• Industry Category: Consulting Services

• Core Services: TLS (Taxation, Legal, and Strategic) consulting, financial advisory,

business growth strategies, and compliance solutions.

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 • Target Clients: SMEs (Small and Medium Enterprises), startups, and large

corporations seeking expert assistance in tax, legal compliance, and strategic decision-

making.

• Unique Selling Proposition (USP): Personalized solutions tailored to the client’s

industry and needs, with a focus on measurable outcomes.

Competitive Landscape

• Key Competitors:

o Big Four firms (Deloitte, EY, PwC, and KPMG)

o Regional consulting firms offering specialized tax and legal advisory

o Boutique firms focusing on industry-specific consulting services

Industry Challenges

• Intense Competition: The presence of global consulting giants and emerging firms

leads to competitive pricing and service differentiation.

• Regulatory Changes: Frequent changes in tax laws, compliance regulations, and

business policies pose challenges for both consultants and clients.

• Technology Disruption: Staying updated with the latest technologies and tools for

effective consulting delivery.

Growth Opportunities

• SME Consulting: Growing MSME and startup sectors present a huge potential

market for firms providing affordable and efficient consulting services.

• Technology Integration: Offering digital and tech-driven solutions can provide a

competitive edge.

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 • Global Expansion: Partnering with international firms or serving overseas clients can

enhance business growth.

Market Size and Growth

• The Indian consulting market is estimated to be worth over $8 billion and is projected

to grow at a CAGR of 10% over the next five years.

• The technology consulting segment is the fastest-growing, driven by digital

adoption, cloud computing, and AI solutions.

• SMEs and startups are contributing significantly to the growth, requiring affordable

and specialized consulting services.

3. Key Segments in the Consulting Industry

a. Management Consulting

• Focuses on improving business performance and solving organizational problems.

• Services include strategy formulation, process improvement, and organizational

change.

• Demand is driven by the need for cost optimization, growth strategies, and

competitive positioning.

b. Technology Consulting

• Driven by digital transformation, cybersecurity threats, and big data.

• Services include IT implementation, cloud solutions, automation, and AI-driven

strategies.

• Companies are seeking digital roadmaps to remain competitive.

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 c. Financial and Legal Consulting

• Includes taxation, risk management, audit, and compliance services.

• Driven by changes in regulatory frameworks (e.g., GST, income tax regulations).

• Increasing focus on Environmental, Social, and Governance (ESG) compliance.

4. Factors Driving Growth

1. Economic Growth: India’s expanding economy creates demand for business

improvement services.

2. Regulatory Complexity: Frequent policy changes necessitate expert consulting for

compliance.

3. Digital Revolution: Organizations are embracing digital transformation, increasing

the need for IT consulting.

4. Globalization: Indian firms expanding internationally seek strategic advice and

market entry consulting.

5. Challenges in the Consulting Industry

• High Competition: Dominance of global firms like Deloitte, PwC, EY, and KPMG.

• Talent Retention: Need for highly skilled consultants in a competitive job market.

• Evolving Client Expectations: Clients now demand measurable outcomes and ROI-

driven consulting.

• Technological Disruption: The rapid pace of tech changes requires constant

upskilling.

6. Overview of Insplore TLS Consultant Pvt. Ltd.

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 Insplore TLS Consultant Pvt. Ltd. operates within the taxation, legal, and strategic (TLS)

consulting segment, providing tailored solutions to businesses of various sizes.

Core Services

• Taxation Advisory: GST compliance, income tax solutions, and corporate tax

planning.

• Legal Consulting: Regulatory compliance, legal audits, and contract management.

• Strategic Consulting: Business growth strategies, market entry plans, and operational

optimization.

Target Industries

• Small and Medium Enterprises (SMEs)

• Startups in various industries

• Manufacturing and Trading Firms

Unique Features

• Personalized services designed to meet specific client needs.

• Expertise in combining taxation, legal, and strategic advice for holistic solutions.

• Focus on affordable and scalable consulting for SMEs and startups.

7. Competitive Landscape

• Major Players:

o Big Four: Deloitte, EY, PwC, KPMG

o Mid-Tier Firms: Grant Thornton, BDO, RSM

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 o Boutique Firms: Specialized firms offering niche services (e.g., legal

compliance, tax consulting)

• Competitive Edge of Boutique Firms:

o Personalized Attention: More client-focused and customized solutions.

o Cost Efficiency: Competitive pricing for SMEs compared to larger firms.

o Specialization: Deep industry knowledge and tailored services.

8. Opportunities in the Industry

1. Digital Consulting: Helping businesses transition to digital platforms and

automation.

2. Regulatory Advisory: Consulting on GST, tax reforms, and labor laws.

3. SME and Startup Support: Providing affordable solutions for emerging businesses.

4. Sustainability Consulting: Growing demand for ESG compliance and sustainability

strategies.

9. Future Outlook

• The consulting industry in India is expected to grow steadily, driven by increasing

complexity in business operations, digital transformation, and regulatory needs.

• Firms like Insplore TLS Consultant Pvt. Ltd. are well-positioned to cater to SMEs

and startups, offering personalized and cost-effective services.

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 Literature Review

When preparing a literature review for a summer internship project at Insplore TLS Consultant
Pvt. Ltd., you may want to cover the following key areas based on the company's operations
and market position:

1. Company Overview and Services

Insplore TLS Consultant Pvt. Ltd. is known for its financial advisory services,

recruitment solutions, portfolio management, and skill development programs. Their expertise

includes working with industries like IT, healthcare, logistics, education, and financial services.

They aim to bridge talent gaps and offer tailored financial solutions to clients, promoting

financial literacy and investment awareness

Marketing and Sales Strategies

Literature on Insplore's strategies highlights their use of customer-driven marketing

techniques, including segmentation by demographics and regions. Their approach often

focuses on micro-marketing and personalized financial solutions to meet specific client

needs. This strategy aligns with contemporary research on targeted marketing and customer

engagement practices

Work-Life Balance and Employee Satisfaction

Studies conducted within the company emphasize work-life balance challenges and their

impact on productivity and job satisfaction. Research indicates that flexible working hours,

supervisor support, and career development opportunities play significant roles in

maintaining employee satisfaction and efficiency.

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 Investment and Financial Advisory Trends

Insplore specializes in providing investment advice across various avenues, such as mutual

funds, real estate, stock markets, and gold investments . Relevant literature on financial

consulting firms underscores the importance of adapting to dynamic market conditions and

maintaining trust-based relationships with clients

Research Framework for the Internship

A sound research methodology for your internship project might include:

• Primary Data Collection: Surveys or interviews with employees and clients.

• Quantitative Analysis: Statistical tools like ANOVA to analyze employee feedback

on job satisfaction and work-life balance.

Recommendations and Conclusions

Research suggests that Insplore can improve by expanding promotional efforts, establishing

corporate partnerships, and focusing on selling proprietary policies rather than third-party

products.

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 Research objective and Hypotheses

Research Objectives

1. Primary Objective

To evaluate the impact of InSplore TLS Consultant's business consulting strategies on

client growth, efficiency, and satisfaction levels.

2. Specific Objectives

o To identify the key consulting strategies used by InSplore TLS Consultant Pvt

Ltd.

o To analyze the effectiveness of these strategies in improving clients’

operational efficiency.

o To assess client satisfaction with the consulting services provided.

o To determine areas of improvement for enhancing consulting service

outcomes.

Understanding Client Engagement

o To analyze how client engagement practices influence the outcomes of

consulting projects.

o Technology Adoption

o To explore the role of digital tools and technology in enhancing consulting

service delivery and outcomes.

o Measuring ROI (Return on Investment)

o To measure the ROI of InSplore TLS’s consulting services from the

perspective of client businesses.

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 o Market Positioning

o To assess how InSplore TLS Consultant Pvt Ltd is positioned in the market

compared to competitors.

o Process Efficiency

o To identify bottlenecks in InSplore’s consulting processes and suggest

improvements to enhance service efficiency.

o Client Retention Strategies

o To investigate factors contributing to client retention and loyalty.

o Industry-Specific Effectiveness

o To determine how consulting strategies differ across various industries and

their relative effectiveness.

o Skill Gap Analysis

o To identify potential skill gaps within consulting teams and suggest training

interventions.

o Sustainability Initiatives

o To evaluate how InSplore TLS integrates sustainability practices into its

consulting services.

o Change Management Impact

o To study how effective change management strategies influence client

business transformations.

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 Hypotheses

1. H1 (Primary Hypothesis):

InSplore TLS Consultant’s strategies have a positive impact on client business growth

and operational efficiency.

2. H2:

Client satisfaction is positively correlated with the frequency and quality of consulting

interactions.

3. H3:

Businesses that implement InSplore’s recommendations achieve measurable

improvements in efficiency compared to those that do not.

4. H4:

Consulting strategies tailored to specific client needs are more effective than

standardized strategies.

5. • H5:

The adoption of digital consulting tools significantly improves project efficiency and

client satisfaction.

6. • H6:

Clients with regular follow-ups from consultants report higher project success rates

than those without.

7. • H7:

Consulting firms with strong market positioning achieve faster client acquisition and

retention rates.

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 8. • H8:

Customized consulting strategies lead to better performance improvements than

generic, one-size-fits-all approaches.

9. • H9:

Implementing sustainability practices within consulting projects enhances long-term

client success and reputation.

10. • H10:

Clients who undergo structured change management processes experience smoother

transitions and higher operational gains.

11. • H11:

Companies that regularly measure ROI from consulting services are more likely to

continue engaging with the firm.

12. • H12:

Skill development programs for consultants improve client satisfaction and project

outcomes.

13. • H13:

Consulting strategies tailored to industry-specific challenges yield better results than

generic strategies.

14. • H14:

Higher process efficiency within the consulting firm correlates with shorter project

timelines and reduced costs.

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 Research methodology

● DEFINITION:

The process used in collect the information and data for the purpose of decision making

and a comparable study for the investors.

This methodology involved the various Research Techniques like Survey, Questionnaire,

participant observations and other research techniques like Historical information as well

as present.

● RESEARCH DESIGN:

Research Design is used in this is ‘Descriptive,’ because first understanding the people’s

perception towards investment, knowing about their ideas, their beliefs, data received and

then exploring their ideas about the perception towards investments avenues and their

financial goals; in reference to BANK OF BARODA.

● DATA COLLECTION METHOD:

The Primary and Secondary both data has been used for the purpose of studying the whole

about individual’s perception towards investments.

● SAMPLING METHOD:

In this Research, we did ‘Convenience Sampling Method’ because any Individual or

investor can be done this easily in this Pandemic (work from Home) situation.

● SAMPLE SIZE:

Size is 33

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 Data Analysis and Techniques

Data Collection and Preparation

• Data Collection Techniques: Describe how data was collected. For example:

o Surveys

o Internal databases

o Public datasets

• Data Cleaning: Highlight the importance of cleaning raw data, removing duplicates,

handling missing values, and transforming the data into a usable format.

3. Data Analysis Techniques

Focus on the various techniques you applied for analyzing data. Here are some key

techniques you might have used:

• Descriptive Statistics:

o Mean, Median, Mode: Measures of central tendency.

o Standard Deviation, Variance: Measures of data spread.

o Histograms and Box Plots: To understand data distribution.

• Exploratory Data Analysis (EDA):

o Use visualizations like bar charts, scatter plots, heat maps, and line graphs to

uncover patterns and insights.

o Discuss how you identified correlations, trends, and outliers.

• Data Modeling:

o If you worked on predictive analytics, mention models like Linear Regression,

Logistic Regression, or more advanced techniques like Decision Trees and

Random Forests.

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 o Discuss any machine learning techniques used, like K-means clustering or

support vector machines (SVM).

• Time Series Analysis (if applicable):

o If your data involved time-dependent metrics (like sales trends over months),

describe any time series forecasting models used, such as ARIMA or

Exponential Smoothing.

• Hypothesis Testing:

o Discuss statistical tests like the t-test, Chi-Square Test, or ANOVA to validate

assumptions or test theories about the data.

• Segmentation Analysis:

o If you analyzed customer data, mention segmentation techniques like K-means

clustering or RFM (Recency, Frequency, Monetary) analysis.

• Data Visualization:

o Tools like Tableau, Power BI, or Python libraries such as Matplotlib, Seaborn,

or Plotly for creating detailed dashboards and reports.

o Discuss how visualizations were used to communicate insights effectively to

stakeholders.

4. Results and Insights

• Share the main insights derived from your analysis, including:

o Key trends, patterns, or correlations you uncovered.

o Predictive insights or future trends.

o Business implications or recommendations for Insplore TLS Consultant Pvt

Ltd.

5. Conclusion

• Summarize the key takeaways from your internship project.

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 • Reflect on the skills you gained and how they will contribute to your career

development.

6. Tools Used

• Excel: For basic data manipulation and visualization.

• Python/R: For advanced data analysis, statistical analysis, and modeling (e.g., Pandas,

NumPy, SciPy, Matplotlib, Seaborn).

• Tableau/Power BI: For building interactive dashboards and visualizing data.

• SQL: For querying databases and extracting the required data.

Limitation of the study

Time Constraints:

The internship project was completed within a limited timeframe (e.g., 6-8 weeks), which

may have restricted the depth of research or analysis that could be conducted. Limited

time for data collection, analysis, and report preparation could have impacted the final

outcome.

Data Availability:

Access to company data or market research data may have been restricted due to

confidentiality agreements or internal policies of Insplore TLS Consultant Pvt. Ltd.

Inadequate data access can limit the scope of analysis and the accuracy of findings.

Limited Access to Senior Management or Key Personnel:

Some interviews, discussions, or feedback sessions with senior management or key

personnel may have been limited due to time or scheduling conflicts, leading to

insufficient qualitative insights for the project.

Scope of the Study:

Due to the project's specific focus, certain aspects of the company's operations or market

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 segments may have been left out. As a result, the study might not fully represent the entire

business environment or all areas of the company’s services.

External Factors:

External factors such as market conditions, economic shifts, or industry-wide changes

might have influenced the data collected or the feasibility of certain recommendations.

These factors could not be controlled within the scope of the project.

Technological Constraints:

The study may have been limited by the available tools, software, or technology during

the internship. If certain advanced tools were unavailable or required more training, it

could affect the depth and quality of analysis.

Limited Generalization:

The findings and recommendations from the study may be specific to the company's

current situation and may not be easily applicable to other businesses or industries. This

limitation should be acknowledged when presenting the results.

Lack of Comprehensive Feedback:

Due to the nature of the internship, feedback from all team members or other departments

may not have been as extensive as desired, limiting the scope of evaluation of various

aspects of the company's operations.

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 DATA ANALYSIS AND INTERPRETATION

1. Do you Earn, Save and Invest Your Money?

Save, Earn, Invest YES NO

No. of Respondents 29 4

1st Qtr 2nd Qtr

4,
12%

29,
88%

Interpretation:Out of Total Respondents 29 people have Earn, save and invest their

money and 4 people were not invest their money.

2. Gender

Gender Male Female

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 No. of Respondents 22 11

Sales

33%
Male
Female
67%

Interpretation: Out of total Respondents, 22 were male people and remaining were 11 are

Females.

3. Age Group

Age Group Less than 25 26- 35 years 36- 45 years Above 46

years

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 No. of 14 11 4 4
Respondents

Column1

12%
Less than 25
12%
43% 26-35 years
36-45 years
Above 46
33%

Interpretation: Out of Total Respondents, 43% People are in the age group of less than 25

years, 33% people are in the age group of 26-35 years, 12% people are in the age group of

36-45 years and 12% people are in the age group of above 46 years.

4. Type of Organization

Type of Public Private Self-owned Retired

Organization
No. of 6 15 10 2
Respondents

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 Sales

6%
18%
Public
30% Private
Self-owned
Retired

46%

Interpretation: Out of total Respondents, 6 were in public sector, 15 were in Private sector,

10 were in self owned and 2 people were Retired.

5. Highest Educational Qualification:

Highest High School or Graduate Post Graduate Doctorate

Educational Intermediate
Qualification
No. of 4 13 14 2
Respondents

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 Sales

6% 12%
High school or intermediate
Graduate
43% Post Gradiuate
39% Doctrate

Interpretation: Out of total Respondents, 4 people in high school or intermediate level, 13

people are graduates, 14 people are Post Graduates and 2 is Doctorate level.

6. Marital Status and Dependency

Status Single with no Married with Married with no

Dependents Dependents dependents

No. of Respondents 17 13 3

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 Sales

9%

Single with no Dependents

52% Married with Dependents

39% Married with no dependents

Interpretation: Out of Total Respondents; 17 people are single with no dependent, 13 people

are married with dependent, 3 people are married with no dependent.

7. Annual Income

Annual Less than 5 5- 10 Lacs 10- 15 Lacs 15- 20 Lacs More than 20
Income Lacs Lacs
No. of 13 9 7 3 1
Respondents

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 Sales

3%
9%
Less than 5 lacs
40% 5-10 lacs
21%
10-15 lacs
15-20 lacs
More than 20 lacs
27%

Interpretation: Out of Total Respondents, there are 13 people lies in between the Annual

Income of less than 5 Lacs, 9 people lies in between the Annual Income of 5- 10 Lacs, 7

people lies in between the Annual Income of 10- 15 Lacs, 3 person is lies between the

Annual Income of 15- 20 Lacs and 1 people are lies between the Annual Income of more

than 20 Lacs.

8. How much of your annual Income do you save and invest every year?

Invest Every Less than 10 % 11 to 30% 31 to 50 % More than 50%

Year
No. of 35% 50% 15% 0%
Respondents

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 0%
15%
35% Less than 10%
11 to 30%
31 to 50%
More than 50%
50%

Interpretation: Out of total respondents, 35% of the people are save and earn 10% every year,

50% of the people are invest their money 11-30% every year and 15% of the people are invest

their money 31-50% every year.

9. Do you own property in your own name?

Own Property Yes No

No. of Respondents 72% 28%

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 Do you own property in your own name?

28%

Yes
No
72%

Interpretation: Out of Total Respondents, 72% of people have their own property with their

own name and 28 % of people have not their own property with their own name.

10. Financial Goals

Financi Purcha Accumul Accumul Accumul Creati Purcha Ensuri Ensur Creati
al Goals sing/ ating ating ating ng a sing a ng ing ng an
Makin funds for funds for funds for Retire new future futur emerg
g your Vacation Children children’ ment Vehicl of e for ency
home Marriage s fund e depend medi fund
educatio ents cal
n exp.

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 No. of 16 7 12 18 20 6 13 11 12
Respon
dents

Financial Goals
Creating an emergency fund
Ensuring future for medical exp
Ensuring future of dependents
Purchasing a new Vehicle
Creating a Retirement fund
Accumulating funds for children’s education
Accumulating funds for Children Marriage
Accumulating funds for Vacation
Purchasing/ Making your home

0 5 10 15 20 25

Financial Goals

Interpretation:- Out of Total Respondents; 16 people have a financial goal of purchasing

or making their home, 7 people have to accumulating funds for vacation, 12 people have to

accumulating funds for their children’s marriage, 18 people have to accumulating funds for

their children’s education, 20 people have to creating their retirement fund, 6 people have

to purchasing a new vehicle, 13 people have to ensure future for their dependents, 11 people

have to ensure their future to meet medical expenses and 12 people creating their

emergency fund.

11.Which Investment Avenues do you prefer to invest in?

Investme Equity Derivati Equity Real Gold Natio Employee Debt mutual Public
nt ves Mutual Fund estate nal Provident fund provide
Avenues Pensi fund nt fund
on
Sche
me
No. of 12 2 13 8 12 5 7 3 6
Respond
ents

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42 | P a g e
 Bank fixed Other Unit linked Endowment/ Pension Hybrid or Any other
deposits small insurance Money back funds balanced instruments
savings plans payment mutual
funds
10 6 2 2 3 3 1

Which Investment Avenues do you prefer to invest in

Hybrid or balanced mutual funds

Endowment/ Money back payment

Other small savings

Public provident fund

Employee provident fund

gold

Equity mutual fund

Equity
0 2 4 6 8 10 12 14

Which Investment Avenues do you prefer to invest in

Interpretation:- Out of total Respondents, 12 people have to invest in Equity fund, 2 on

Derivatives, 13 on Equity mutual fund, 8 on Real Estate, 12 on Gold, 5 on National Pension

fund, 7 on Employee provident fund, 3 on Debt mutual fund, 6 on Public Provident fund, 10

on Bank Fixed deposits, 6 on Other small savings, 2 on Unit linked insurance plans and

Endowment, 3 on Pension fund and Hybrid or balanced mutual fund and 1 on other investment

plan other than above.

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 12. How long do you invest in any Avenue?

Holding Less than 1 1- 3years 2- 5years 6- 10 years More than 10

Period year years
Total no. of 18.18% 30.30% 39.39% 6.06% 6.07%
Respondents

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 How long do you invest in any Avenue

6%
6% 18%
Less than 1 year
1-2 years
3-5 years
6-10 years
40% 30%
More than 10 years

Interpretation: Out of total Respondents, 18% of people’s holding period is less than 1

year, 30% of people holding period is 1- 2 years, 40% of people’s holding period is 3- 5

years, 6% of people’s holding period is 6- 10 years and more 6% people are lies in more

than 10 years.

13. In Which mode do you prefer to invest?

Mode of Invest Online only Offline only No specific
preference/ Depends
on situation.
Total no. of 33.3% 14.8% 51.9%
Respondents

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 In Which mode do you prefer to invest?

33%

52%

15%
Online only

Offline only

No specific preference/ Depends

on situation

Interpretation: Out of Total Respondents, 33.3% of people have to invest online, 14.8% of

people have to invest offline and remaining 51.9% people have to invest according to their

specific preference or depending upon the situation.

14. Which Parameters are important to you while investing? (Top three
according to you)

Parameters Safety of Returns in Return in Investment Investment Tax Any Other

Principal the form the form of that are which are Benefits Parameters
Amounts of regular capital gain easily convenient
income (Increase in converted to buy,
(Interest value of into Cash maintain
or investment) (Whenever and sell
Dividend) required) (Hassle
Liquidity free)
Total no. of 20 10 15 10 3 13 2
Respondents

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 Which Parameters are important to you while
investing? (Top three according to you)
Any Other Parameters
Tax Benefits
Investment which are convenient to buy,…
Investment that are easily converted into Cash…
Return in the form of capital gain (Increase in…
Returns in the form of regular income (Interest…
Safety of Principal Amounts

0 5 10 15 20 25

Which Parameters are important to you while investing? (Top three according to you)

Interpretation: Out of total Respondents, 27% of the people go for the safety of principal

amount, 14% of the people go for returns in the form of regular income, 21% of the people go

for Returns in the form of Capital gain, 14% of the people go for Investments that are easily

converted into cash, 4% of the people are go for Investments which are convenient to buy,

maintain and sell, 18% of the people are go for Tax benefits, 3% of the people are go for other

parameters.

47 | P a g e
 Finding of the study

Objective 1 - To identify the types of Financial Goals that individuals Have.

51.9% respondents invest 11 to 30% of surplus income, while 33.3% respondents invest less

than 10% of surplus.

Making a home (70.4%) is the most preferred goal of the respondents, followed by education

of children (63%) and creating retirement fund (59.3%). Vacations (25.9%) and Cars (22.2%)

seem to be the least preferred goals

Objective 2 - To identify the avenues in which individuals invest.

Equity Mutual Funds (48.1%) are the most preferred avenue of the respondents, followed by

Equity shares & Gold (both 44.4%). Derivatives, ULIPS and Endowment Insurance Plans (all

7.4%) seem to be the least preferred avenues.

Objective 3 - To identify the Preferred Parameters which individuals use to evaluate Investment

Avenues

Safety of Principal (74.1%) is the most important parameter of the respondents, followed by

Capital Appreciation (55.6%) and Tax Benefits (48.1%). Convenience (11.1%) seem to be the

least important parameter.

Objective 4 – To identify the preferred modes of investment & the sources of information.

With regard to the mode of investment, most respondents adjust as per situation, either online

or offline and either SIP of Lumpsum. However, among the others, more people prefer online

to offline, and more people prefer SIP to lumpsum investment

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 Electronic or Print Media and Financial Advisors (both 63%) are the most preferred sources of

information, followed by Family Members (37%). Colleagues and Friends (both 14.8%) seem

to be the least preferred sources.

Most respondents (59.3%) showed willingness to be contacted for free professional investment

advice, while very few declined the offer (18.5%).

During the internship with Insplore TLS Consultant Pvt. Ltd., various aspects of the

company's operations, services, and internal processes were observed and analyzed. The

findings are outlined below:

1. Business Operations and Structure

o The company is engaged in [describe primary business activities, e.g.,

consulting, IT solutions, market research].

o The organizational structure is hierarchical, with clear roles and

responsibilities for each department, including [mention relevant departments,

e.g., Operations, HR, Sales].

o Key services offered by the company include [mention services, e.g., process

optimization, software solutions, strategic consulting].

2. Market Trends and Analysis

o The company operates in a highly competitive market where the demand for

[specific services or products] has been growing steadily. There is an

increasing focus on [key industry trends, e.g., digital transformation, data

analytics, sustainability].

o Market research conducted during the internship revealed that [mention any

significant findings, such as emerging client demands or industry gaps].

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 3. Client Handling and Relationship Management

o Insplore TLS Consultant places high emphasis on maintaining strong

relationships with its clients, particularly through regular communication,

personalized solutions, and prompt delivery of services.

o Observations regarding client interactions highlighted the importance of

[mention a key aspect of client relations, such as transparency, trust-building,

or service quality].

4. Internal Process Improvement

o During the internship, it was found that the company is actively working on

improving internal processes, particularly in areas like [mention any processes

reviewed, e.g., project management, billing, or customer support].

o A few opportunities for process enhancement were identified, including

[mention any inefficiencies or areas for improvement].

5. Use of Technology and Tools

o The company utilizes several advanced tools and software for project

management and client reporting, including [list tools, e.g., CRM systems,

project tracking software].

o Technology adoption is robust, but further integration of [specific technologies

or platforms] could improve efficiency and scalability.

6. Employee Engagement and Development

o The organization prioritizes employee development, with regular training and

professional development opportunities.

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 o Insights into the company’s employee engagement initiatives showed that

[mention any specific initiatives like workshops, team-building activities, or

mentorship programs].

7. Key Challenges

o Despite its growth, Insplore TLS Consultant faces certain challenges, such as

[mention any challenges observed, e.g., market saturation, resource

constraints, or competitive pressures].

o Some of these challenges were addressed through [mention any strategies used

to tackle these challenges, such as new marketing strategies, client

diversification, or technology adoption].

51 | P a g e
 Recommendation

I am pleased to write this recommendation for Rohan Jha, who successfully completed a

summer internship at Insplore TLS Consultant Pvt. Ltd. during the [September-November

2024]. During this internship, Rohan Jha worked on [Finance and Marketing strategies] and

demonstrated exceptional skills and commitment to the assigned tasks.

Throughout the internship, Rohan jha exhibited a high level of professionalism, quick

learning, and the ability to apply theoretical knowledge to practical scenarios. He contributed

significantly to specific outcomes of the project, such as reports, research, analysis, or client

presentations. Rohan jha displayed an impressive ability to collaborate with cross-functional

teams and effectively communicate complex ideas.

One of Rohan jha's key strengths was his attention to detail and analytical skills, particularly

when working with us on this project. He also demonstrated a keen interest in improving

processes and suggested innovative solutions that benefited the team. His ability to adapt and

learn new concepts quickly made him an asset to the team.

In addition to technical competence, Rohan jha exhibited excellent interpersonal skills,

building strong relationships with colleagues and contributing positively to the work

environment. He approached all tasks with enthusiasm and dedication, consistently delivering

high-quality results.

Based on his performance during the internship, I highly recommend Rohan jha for any

future opportunities, as he has shown great potential and a strong work ethic. I am confident

that he will continue to excel in [his/her/their] academic and professional endeavors.

Sincerely,

Mr. Akash Chaudhary

52 | P a g e
 Team leader

Insplore TLS Consultant Pvt. Ltd.

Conclusion

I understood the perception of individuals regarding investment and their different financial

goals.

Learnt various types of investment avenues.

Learnt how to talk to with people and convince them regarding investments.

Category:-

Investment bond with component of life cover.

Brand name:-

Bank of Baroda which is the 2nd largest government bank of India

Tenure/Duration:-

● The maturity tenure is 15 years

● The premium paying tenure is 12 years

Returns:-

Fixed 8% compound interest added p.a.

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 Extra returns:-

● Minimum 2% simple revisionary bonus added p.a.

● Minimum 2% simple terminal bonus added at the time of maturity

Life cover:-

10 times of first annual premium

Liquidity:-

● Surrender (termination of investment)

● Assignment (transferring the ownership of the product

QUESTIONNAIRE
I. Your Name

II. Do you earn, save and invest your money?

Yes

No

III. Gender

Male

Female

IV. Age

Less than 25 years

26-35 years

36-45 years

46-55 years

Above 55 years

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 V. Types of Organization

Public Sector/Government/Semi-Government Employment

Private Sector Employment

Business / Professional /Self-Employed

Retired

Others

VI. Qualification

High School or Intermediate

Graduate

Post Graduate

Doctorate

Other

VII. Marital Status and Dependency

Single with no dependents

Single (Divorced / Widowed) with dependents

Married with no dependents

Any Other Combination

Other

VIII. Annual Income

Less than 5 Lacs

5 - 10 Lacs

10-15 Lacs

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 15-20 Lac

More than 20 lacs

Other

IX. How much of your annual income do you save and invest every year?

Less than 10%

11% - 30%

31% to 50%

More than 50%

Other

X. Do you own property in your own name?

Yes

No

XI. Select your top five financial goals

Purchasing / Making your Home

Accumulating Funds for Vacation Abroad

Accumulating Funds for Children's Marriage

Accumulating Funds for Children's Education

Creating a Retirement Fund

Purchasing a new vehicle / replacing old vehicle

Ensuring Future of Dependents (Life Insurance)

Ensuring Funds for Medical Expenses (Health Insurance)

Creating an Emergency Fund

Any Other Goal(s)

Other

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 XII. Which investment avenues do you prefer to invest in? (Tick all that are applicable)

Equity

Derivatives

Equity Mutual Funds

Real Estates

Goal

National Pension Schemes

Employee Provident Fund

Bank Fixed Deposits

Other Small Savings (like Post Office Schemes, NSC, Sukanya SamriddhiYojna, etc)

Unit Linked Insurance Plans (ULIPs)

Endowment / Money Back Policies

Pension Funds

Hybrid or Balanced Mutual Funds

Any Other Instrument(s)

Other

XIII. Generally, for how long do you invest in any avenue?

Less than 1 Year

1-3 years

3 -5 years

5 -6 years

6 -10 years

More than 10 years

XIV. In which mode do you prefer to invest?

Online Only

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 Offline Only

No specific preference, depends on situation

Other

XV. In which mode do you usually invest?

Lumpsum investment

Systematic Investment Plan (SIP)

No specific preference, depends on situation

Other

XVI. According to you, which parameters are important while investing? (Select top three
according to you)

Safety of Principal Amount

Returns in the form of Regular Income (Interest or Dividend)

Returns in the form of Capital Gains (increase in value of investment)

Investments that are easily converted into cash, whenever required (liquidity)

Investments which are convenient to buy, maintain and sell (hassle-free)

Tax Benefits

Any Other Parameter

XVII. From where do you collect information regarding Investment? (Tick all that apply)

Electronic or Print media (Magazines, Newspaper, TV Channels, Investment Websites,

etc)

Social Media (Facebook, Instagram, Twitter, LinkedIn, etc)

Colleagues

Friends

Family Members

Financial Advisors, Brokers, Agents, Bank Managers etc.

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 Any Other Source

XVIII. Would you be interested in getting investment advice from a highly experienced
investment professional, free of cost?

Yes

No

May be

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