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A
REPORT
ON
COMPARISION OF MAJOR INTERNATIONAL
SIMCARD SERVICE PROVIDERS OF INDIA WITH
MATRIX
By:N.Sripathi Rao
14BSP0822
A
REPORT
ON
COMPARISION OF MAJOR INTERNATIONAL SIM
CARD PROVIDERS OF INDIA WITH MATRIX
By
N.Sripathi Rao
14BSP0822
Company Project Guide: Mr. Abhijith R.Krishnan (Chartered Accountant, Rangaraju &
Associates)
Faculty Project Guide:
Declaration
I Sripathi Rao (14BSP0822) hereby declare that the project entitled price comparison of
international sim card service providers is a record research work carried out by me as a part of
summer internship program during the academic year 2015 under the guidance of Dr.B.Shafiulla,
Faculty Guide, ICFAI Business School, Bangalore, and my project guide Mr. Abhijith
R.Krishnan, Rangaraju & Associates.
It is also declared that this project is result of my effort and has not been submitted to any other
university or institution for any degree, or personal favour whatsoever. All the details and
analysis provided in the report hold true to the best of my knowledge.
Place: Bangalore
Date:
N.Sripathirao
14BSP0822
ACKNOWLEDGEMENT
I take this opportunity to thank my company guide Mr. Abhijith R.Krishnan and all my
senior colleagues at Rangaraju & associates, Bangalore for the valuable assistance
through out the period, which helped me to arrive at this report. They gave me all the
support and information I needed to complete this project.
I also thank my faculty guide Dr.B.Shafiulla who has been a constant source of
motivation for me. He has always shown the right path to me and given suggestions to
get most out of this project.
Last but not the least I would like to thank my family members who have been a pillar
of support for me and have given me a free hand in choosing my course of life. I also
thank my friends for encouraging me constantly through the tough times. I also want to
thank other employees of the company for providing me with necessary support. This
project report also owes a lot to them for its successful completion.
A special thanks to all of them.
N.Sripathi Rao
Contents
Abstract................................................................................................................................6
Indian economy.......................................................................................................................8
Industry profile.....................................................................................................................15
Porter five forces analysis for the telecom industry in India..........................................................19
Company analysis..................................................................................................................23
SWOT ANALYSIS............................................................................................................27
Objectives of the report...........................................................................................................33
Research methodology............................................................................................................33
Scope of the study..................................................................................................................34
Limitations of the Study: -.......................................................................................................35
Data analysis and call rates of the major companies........................................................................36
Findings..............................................................................................................................55
Recommendations.................................................................................................................58
Conclusion...........................................................................................................................59
References...........................................................................................................................60
Annexure.............................................................................................................................61
Questionnaire.............................................................................................................62
Abstract
The telecom industry consists of Fixed and cellular service providers. In 1994, government
opened the telecom market for private participation in fixed as well as cellular services. It came
out with National Telecom Policy 1994 to facilitate the regulation and give direction to growth.
Licenses were issued for providing these services between 1994 and 1995 and service providers
started their service since 1995.
Government has decided to use GSM technology for providing cellular services. Until 2002,
cellular services were provided by GSM service providers then Tata tele entered with CDMA
technology to provide limited mobility services. In 2003, Reliance also entered in the market
with CDMA technology. These service providers were giving services at much lower rate than
GSM service providers, as they dont have to pay any license fees. This led to dispute between
GSM and CDMA service providers. Then in November 2003 TDSAT declared that CDMA will
come under fully mobile category and they also have to pay the licensing fee.
There are several companies which offer international sim card services. It is extremely
important to go through the terms and conditions, call rates and other important information
before buying an international sim card from any service provider. Matrix, Jaxtr, Clay, and
Roam1 are some of the leading providers of international telecom solutions to Indians traveling
abroad. The price comparison of these sim card services is very difficult. But the matrix service
provider offers many combo packs comparing to the others. The clay stands next to the matrix it
also offers different packs .Jaxtr and Roam1 stands next to the clay in case of network coverage
and prices.
EIC ANALYSIS
7
Indian economy
The economy of India is the seventh largest in the world by nominal GDP and third
largest by purchasing parity. The country is one of the G-20 major economies, a
member of BRICS and a developing economy among top 20 global traders according to
the WTO.
According to the Indian finance ministry the annual growth rate of the Indian economy
is projected to have increased to 7.4% in 2014-15 as compared with 6.9% in the fiscal
year 2013-2014.in an annual report, the IMF forecast that the Indian economy would
grow by 7.5% in the 2015-16 fiscal starting on April 1,2015.up from 7.2% (2014-15).
India was the 19th largest merchandise and the 6th largest services exporter in the world
in 2013.the agriculture sector is the largest employer in Indias the economy but
contributes a declining share of its GDP. Its manufacturing industry has held constant
share of its economic contribution, while the fastest growing part of the economy has
been its service sector which includes, among others the construction
rates, and increasing integration into the global economy. However, India has many
challenges that it has yet to fully address, including poverty, corruption, violence and
discrimination against women and girls, an inefficient power generation and distribution
system, ineffective enforcement of intellectual property rights, decades-long civil
litigation dockets, inadequate transport and agricultural infrastructure, limited nonagricultural employment opportunities, high spending and poorly-targeted subsidies,
inadequate availability of quality basic and higher education, and accommodating ruralto-urban migration. The country is in the midst of a massive wave of urbanization as
some 10 million people move to towns and cities each year in search of jobs and
opportunity. It is the largest rural-urban migration of this century.
Growth in 2014 fell to a decade low, as India's economic leaders struggled to
improve the country's wide fiscal and current account deficits. Rising macroeconomic
imbalances in India and improving economic conditions in Western countries, led
investors to shift capital away from India, prompting a sharp depreciation of the rupee.
However, investors' perceptions of India improved in early 2014, due to a reduction of
the current account deficit and expectations of post-election economic reform, resulting
in a surge of inbound capital flows and stabilization of the rupee.
10
GDP
GDP rank
7th(Nominal)/3rd(PPP)
GDP growth
7.3%(2014-15)
GDP per
$1,808(Nominl:131th;2015)
capita
$6,625(PPP:121th;2015)
11
GDP by
Agriculture:13.7%
sector
Industry:21.5%
Services:64.8%(2013)
Inflation(CPI)
CPI: 4.87%
WPI: -2.65%
Export goods
Software,petrochemicals,agriculture
products,jewellery,engineering
goods,pharmaceuticals,textiles,chemicals,trnsportation,ores,and
other commodities
Import goods
Budget
4.1% of GDP(2014-15)
deficit
Revenues
$450.3billion(2015,IMF)
Expenses
$616.6 billion(2015,IMF)
Foreign
$353.8 billion
reserves
BUDGET AT A GLANCE:
12
13
(DMIC) has been almost doubled. Resources have been targeted towards Pradhan Mantri Krishi
Sinchai Yojana, Rural Electrification and Sagar Mala Project.
7. States will have greater flexibility in designing and running Programmes and Schemes as per
local requirements and conditions. Government has
Decided that it will continue to support State Plans of national priorities especially those which
are targeted towards Poverty Alleviation and up liftmen of socially disadvantaged groups.
Budget at a Glance
in Crore of
2014-15Budget
2015-16Budget
Revenue Receipts
Capital Receipts
Total Receipts
Non-Plan
Estimates
1126294
554864
168115
1213224
Estimates
1141575
635902
1777477
1312200
Expenditure
Plan Expenditure
Total Expenditure
Revenue Deficit
Effective
467934
1681158
362486
23058
465277
1777477
394472
283921
Revenue Deficit
Fiscal Deficit
Primary Deficit
512628
101274
555649
99504
Rupees
14
Industry profile
Country specific sim card is one of the prime support services needed for rapid growth
and modernization of various sectors of the economy. It has become especially
important in recent years because of enormous growth of Information Technology (IT)
and its significant impact on the rest of the economy. India is perceived to have a special
comparative advantage in IT and in IT-enabled services. However, sustaining this
advantage depends critically on high quality telecommunication infrastructure. Keeping
15
this in view, the focus of policy is vision of world class telecommunication facilities at
reasonable rates. Although the telecom network has grown rapidly in recent years, its
growth needs to be accelerated further in the Tenth Plan.
The telecom sector in India has been witnessing a continuous process of reforms since
1991. With the opening of international long distance services and internet telephony
from April, 2002, the process of liberalization and opening up the sector for competition
is complete. Convergence of services is a major new emerging area and the telecom
sector will have to address this in the Tenth Plan.
The major reforms carried out in the telecom sector so far are given below:Reforms in the Telecom Sector
Telecom equipment manufacturing was completely deregulated in 1991.
Value added services, including Country Specific Sim card phone services, were thrown
open to private sector in 1992.
The National Telecom Policy (NTP) allowing private sector participation in basic
area to private sector providers. The policy was promotional in nature. ISPs have been
allowed to set up International Internet Gateways both satellite and landing stations for
Submarine Cable systems.
A new policy called New Telecom Policy (NTP), 1999 was announced replacing the
1994 policy.
Migration from the regime of fixed license fee to a new regime of revenue share was
16
(Amendment) Act, 2000. The Act provides for establishment of a separate dispute
settlement mechanism called Telecom Dispute Settlement and Appellate Tribunal.
National Long Distance Service was opened for competition in August, 2000.
Corporatization of Department of telecommunication's operational network into a
public company called Bharat Sanchar Nigam Ltd. from 1st October, 2000.
Videsh Sanchar Nigam Ltd. (VSNL) and HTL limited have been disinvested.
The Communication Convergence Bill 2001 was introduced in Lok Sabha and has been
bandwidth and dark fiber, right of way, towers, duct space etc.
International Long Distance (ILD) Services have been opened for competition since 1st
April, 2002.
Internet Telephony has also been opened up since 1st April, 2002.
Guidelines for universal service obligation announced on March 27, 2002.
The Country Specific Sim card phone industry is one of Indias rapidly growing
industries. Since the Industry came into being in the mid 1990s, its average per annum
growth rate has been a phenomenal 200 percent. By the end of 2002, the Indian Country
17
Specific Sim card phone Industry had over 10 million subscribers. The industry has
undergone a number of Changes over the years. The National Telecom Policy 1999 was
an important Landmark in the development of the Country Specific Sim card industry in
India; the tariff Rationalization and policy regulation introduced in the Policy helped the
industry Grow at the pace it did. In 2003, Telecom Regulatory Authority of India
(TRAI) Announced regulation of interconnects user charges to resolve conflicts
between Country Specific Sim card operators and network provider.
Major players:Matrix Cellular, Clay, Uniconnect, Roam 1 and Znet connect.
The migration to revenue sharing agreement has infused fresh blood in the Country
Specific Sim card industry. The sector has been bustling with activity since the
migration and has taken several strides with consolidation in the industry and a rapid
growth in subscriber base.
The growth rate in metros has been slowing down while increasing in A Class circles. In
metros the trend is towards increasing usage as against increasing penetration. Pre-paid
cards have helped the Country Specific Sim card operators improve their penetration.
Pre-paid cards are also being picked up by people because of the no-hassle and budget
control benefit attached to it.
The industry is likely to maintain the present rate of growth backed by more affordable
rates for the services, low tele-density and increasing acceptance of the service as a
necessity as against luxury.
Travel Sim Cards with International Roaming to Make Your Journeys Enjoyable
Going out on vacations to foreign country can be quite an exhilarating
experience,
especially if your journey is backed by all the travelling requirements. There are several
18
things that form an important part of your travel kit to make your trip even more
exciting and memorable. Travel SIM cards and Prepaid Data Cards are two such things
that are must have for every international traveler. Irrespective of the fact, which part of
the world you are travelling to, these options for international wireless communications
can always make your journeys more fulfilling.
Competitors analysis
Telecom sector is one of the fastest growing sectors. This is due to strong competition that has
brought down tariffs and simplification of policy environment that has promoted healthy
competition amongst various players
19
The government has eased the rules regarding inter circle and intra circle mergers. This has led to
a slew of mergers and acquisitions in the recent past
As the sector is moving closer to maturity, further consolidation is a reality and this will lead to
the survival of more profitable players in this segment
Infrastructure equipment cost is down to a fraction of what prevailed just a few years ago
operators can plan better expansion plan now
Increased viability for the operators to expand to semi-urban and rural markets. Hence,
competition in this market would increase
Airtel, Vodafone, idea, and rcom itself captures more than 75%.
Market leader
Market challenger
Market follower
Airtel
Vodafone Bsnl ,Docomo
Idea, Reliance
Increased social networking, high advertisements through TV, hoardings, banners and word of
mouth, buyers are well informed about the substitute products with better offerings urban as well
as rural areas.
Suppliers power
Suppliers for the Telecom Operators
The suppliers bargaining power has increased influence on the profitability of the company.
Increase in the bargaining power of the supplier will lead to a decrease in profits or increase in
the price of the end product (Buyer).
There is a price war happening between the different mobile operators, so even the suppliers are
chosen carefully so that they do not drag down the profitability of the company .So the suppliers
have less bargaining power in this industry.
Mobile Tower Companies
SIM cards
Mobile phone handsets
Mobile Tower companies in India
21
22
Company analysis
23
Company profile
BUSINESSES:
BlackBerry Services
Data Cards
Forex
Matrix Country Specific Sim card comes to you as worlds biggest private integrated country
specific sim Cards Company. Matrix provides a range of telecom services, which include
Country Specific Sim cards, Boltons Data Cards and Forex. Apart from being the largest
24
company in world in this business, it is also the first company to start the concept of country
specific sim cards in world. Matrix is the leading country specific sim cards company, with a
footprint in India
25
Services
VISION: "As they spread wings to expand our capabilities and explore new horizons, the
fundamental focus remains unchanged: seek out the best technology in the world and put it at the
service of our ultimate user: our customer."
Matrix Country Specific Sim card International Services Limited was incorporated on 9th Nov,
1995 for promoting investments in Country specific sim card services as in country specific
Sims. Its subsidiaries operate telecom services across India. Matrix is India's leading private
sector provider of Country Specific Sim cards based on a strong customer base consisting of
approximately 20K Customers every month and the no. are increasing day by day.
Business Strategy
Matrix' strategic objective is
To capitalize on the growth opportunities that the Company believes are available in the World
market and consolidate its position to be the leading integrated country specific sim card
provider in key markets in India, with a focus on providing such services.
The Company has developed the following strategies to achieve its strategic objective:
Focus on maximizing revenues and margins;
Capture maximum revenue potential with minimum geographical coverage;
Offer multiple Country specific sim card services to provide customers with a "one-stop shop"
solution;
Position itself to tap data transmission opportunities and offer advanced mobile data services;
Focus on satisfying and retaining customers by ensuring high level of customer satisfaction;
Leverage strengths of its strategic and financial partners; and
26
Mobile Strategy
Capture maximum Country specific sim card revenue potential with minimum geographical
coverage to maximize its revenues and margins.
Build high quality mobile networks by deploying state-of-the-art technology to offer superior
services.
Use the experience it has gained from operating its existing mobile networks to develop and
operate other mobile networks in India and to share the expertise across all of its existing and
new circles.
Attract and retain high revenue generating customers by providing competitive tariffs, offering
high quality customer support, proactive retention programs.
Provide affordable tariff plans to suit each segment of the market with a view to expand the
reach, thereby increasing the mobile customer base rapidly
Coverage of Matrix
Matrix Country Specific Sim card service provides services in about 56 Countries with country
specific card and about 31 countries with a Global Card. It boost that the coverage is
uninterrupted and covers the widest area. Clay who more or less covers the same area will give
Matrix a toss in the future when its partner Uniconnect which is planning to consolidate all its
Indian operation and give its customers a wider reaches in term of auto roam. Player who
provides a better service in this respect will have an edge in the future as we can see the way
people and business is moving out of Delhi.
27
SWOT ANALYSIS
Strengths: Matrix has strong brand name recognition and a reputation for offering high quality
service to its customers that is core strength to influence large prospect customers.
Focus on Country specific sim card to enable the company to better anticipate industry
trends and capitalize on new Country specific sim card related business opportunities.
An effective Quality Management team with vision and proven execution skills.
Good network coverage but still not much satisfactory in global sim cards.
Excellent customer care service.
Partnerships with over 36 country specific international service providers.
Early bird prizes.
Rates which are far cheaper, in some cases nearly 60%, compared to Roaming, and up to
90% in case of data cards.
Strategic business partnership with airlines, travel agencies, universities and corporate.
Opportunity: Still a large number of potential and prospect customers are un-captured.
Enter Viral Marketing i.e. marketing by the use of non-mass media tools of
communication-SMS, Internet, E-Mail in the word of mouth to get people talking about
it. Matrix has good business opportunity to tap up such companies, which are indulging
in such marketing strategy.
Poised to go on MVNO concept as soon as regulations in India (TRAI) permits.
28
Due to the ever changing and growing middle class, matrix through its travel partner
caters this market
Above 6,000,000 people fly abroad every year this can be tapped by matrix.
Threats: Government interventions and telecom regulators in the country pose a great threat in the
independent operations of the Country Specific Sim card operators though they are
essential to break any kind of monopoly in the industry.
Other Country Specific Sim card service provider especially Clay and Uniconnect
emphasize more on push strategy whereas Matrix is still dealing with pull strategy. A
perfect blend of both is required. So Matrix should provide dealers and distributor more
perks and incentives
New player are entering into the markets as Trikon, Jaxtr and Roam1.
Existing big players like Airtel, Reliance communication, going international.
Weaknesses
Less employee strength.
Dissatisfied workforce.
Mobile number portability is missing.
29
Today in this competitive industry the fight is not about talk or price only, its about whom offers
the most value added services.
In this battleground, the two most aggressive players are Clay and Reliance Passport. Clay
already has a bunch of innovations to its credit. Matrix was the first company in world who came
with an idea of Country Specific Sim cards and the first company which made its user to use
internet services at 1/10th of the cost while they are travelling abroad.
COMPETITORS
CLAY
The most potential competitor in the industry. Clay is brought to you by Clay Telecom, one of
the worlds leading Country Specific Sim card service providers. We are known for our
innovative approach and world class technology. Our goal is to provide you superior products
and services, anytime and anywhere.
Our values are stated simply. To be fair and transparent in what we do and how we do it. To
provide you quality services with more customer friendly practices. To make your
communications experience simple, pleasurable and fun. Where you don't simply get technology
- but technology that is relevant. Where solutions are not just promised in the future - but
delivered in the present.
Services provided by the Clay Telecom include:
International Roaming
UK SIM Card
Global SIM
ROAM1
31
40000 customers are using the Roam1 connection to get the benefits of a dramatically reduced
international Roaming mobile bill charges, for both voice and data, while retaining the benefit of
a single number that works globally. The customer base is rapidly increasing.
The roam1 global sim card is a unique permanent sim connection that provides the user with free
incoming calls in 95 countries and low call rates to India and international destinations. The
roam1 global sim offers exceptionally low international calling rates from the gulf countries to
India and the rest of the world.
Jaxtr;
Jaxtr was launched by Philip mob in and touraj parang in 2007.jaxtr uses voice over internet
protocol to offer competitive rates as well as free international and long distance calling. Jaxtr
reports having 10 million users in 220 countries in 2008.
Jaxtrs is to enable new conversations worldwide. Jaxtr is backed by world-class investors, and is
led by a team of passionate entrepreneurs that dream of changing the communications landscape.
32
33
Analyzing the competition in the market, comparative analysis of different plans of other
operator with existing plans of matrix.
To study the view points of the customers regarding the services provided by the matrix.
Research methodology
Type of research
This is descriptive research as this research includes surveys and facts findings inquires of
different kinds.so descriptive research help in knowing about particular item or group of items in
other words.it describes the state as it is exist at present.
Sources of data
Primary data;
Primary data was collected using the following techniques, questionnaires method, direct
interview method and observation method.
The main tool used was the questionnaire method. Further direct interview method, where face to
face formal interview was taken. Lastly observation method had been continuously observes the
surrounding environment he/she works in.
Target geographic area was Bangalore.
To these geographical area questionnaire was filled by 100 people. The questionnaire was a
combination of both open ended and close ended questions.
The date during which questionnaires were filled was between 2-3 weeks.
Some dealers were also interviewed to their prospective. Interviews with the honours of retailer
of international sim cards were also conducted.
35
Finally the collected data and information was analysed and compiled to arrive at the conclusions
and recommendations given.
Secondary data
Secondary data has been used to support primary data where ever needed .it is used to obtain
information on matrix and its competitor history, current issues, policies, procedures etc...
Wherever required.
Sources of secondary data are online sources, magazines and newspapers.
Study takes into account only big companies about which substantial data is available In
an increasingly competitive environment, where global sim card companies fight for the
same customers, the companies need to keep the plans as competitive as possible for the
companies need to keep the charges allow as possible.
With this comparative analysis of different plans chargers, benefits and features, we will
able to find out where company is good as compared to the other players in the market
and where company can improve.
Study also explains the perception of the customers about this brand.
Finally the collected data and information was analysed and compiled to arrive at the
conclusion and recommendations given.
36
Limitations of the Study: The data available is secondary, so its credibility depends on the companies which have provided
the data.
It is not possible to do comparative analysis of all the products available in the market
as so many products are available.
Only major players are covered in the comparative analysis taking in to consideration
the investors interest.
The respondents from whom the primary data was gathered any times displayed
complete ignorance about the complete branded range, which was being studied.
37
Graph 1:-
38
Sample taken in the survey contains 100% respondents with country specific sim card
usage.
Graph 2:-
39
Graph 3:-
Matrix holds more than one third of the country specific sim card market share in
Bangalore.
Graph 4:-
40
General mode of payments is credit card, however cheque is the other upcoming means.
Graph 5:-
According to the observation we find most of the customers are satisfied with matrixs forex &
insurances.
Graph 6:-
41
Maximum customer agrees matrix provide less roaming charges than others.
Graph 7:-
Matrix is the most preferred brand however clay, jaxtr, roam1 are potential competitors
in the market.
42
Matrix is the most preferred brand however clay and others are potential competitors in
the market.
Graph 8:-
Matrix has more than 60% satisfied customers however clay and others also have more
than one third of their satisfied customers.
Graph 9:-
43
Matrix is known basically for the high quality, trust and reliable services.
Graph 10:-
44
MATRIX
Plan-1
Plan-2
Plan-3
per minute/per
txt/per 100kb
Plan code
ATT3914R7
Plan charges
Incoming calls
Local outgoing
3999
FREE
FREE
ATT4914R8
4999
FREE
FREE
ATT5914R9
5999
FREE
FREE
calls
International
calls to India
1000 mins
1500 mins
2000 mins
free;
free;
free;
$0.19
$0.19
$0.19
thereafter
thereafter
thereafter
1 GB free;
1.5 GB free;
2 GB free;
$0.045
$0.045
$0.045
Data
Local text
International
thereafter
$0.15
0.30
thereafter
0.15
0.30
thereafter
0.15
$0.30
45
text
Validity
21days
30days
30days
Call rates
Description-per
Charges in
Charges in
minute/per
uk
western European
text/per 100kb
Plan charges for
39.99
39.99
30 days
Incoming calls
Local outgoing
FREE
FREE
FREE
0.19
calls
International calls
FREE
0.19
to India
Data
0.019
1 GB
FREE;
9.99
per GB
thereafter
0.09
0.09
Local text
International text
0.19
0.19
@ Add on packs
Valid in
Add on pack
Uk+
Voice + data
Europe
combo
Code
Charges
Free usage
29.99
UK-Europe-Combo29
100
After free
Validity
usage
As per
15
plan
mins
local
calls +
100 mins
47
calls to
India +
250 MB
data
Uk +
Voice + data
Europe
combo
As per
39.99
UK-Europe-Combo-
200
39
30
plan
mins
local
calls +
200 mins
calls to
India +
350 MB
Uk only
Internet on
smart phone
9.99
data
500MB
UKDTH090415
15
GBP
9.99 per
GB
Uk only
Internet on
smart phone
14.99
1GB
UKDTH140415
30
GBP
9.99 per
GB
Uk +
Internet on
Europe
smart phone
29.99
500MB
WEDTH290415
30
GBP
0.019
per 100
KB
Uk +
Internet on
Europe
smart phone
30
49.99
WEDTH490415
GBP
0.019
1GB
per 100
KB
48
Description
Matrix UK
Western
Turkey
Europe
N/A
INR100.00
N/A
INR100.00
INR100.00
INR100.00
Free
0.10
0.40
Set up fee
Plan charges
For 30
N/A
INR100.00
Free value
days
For 30
INR100.00
Incoming
days
Per minute
calls
Local out
Per minute
0.04
0.23
Per minute
0.04
0.23
Per minute
0.04
0.23
0.40
Per minute
0.08
0.23
0.40
going to land
lines
Local
outgoing
[CUG]
Local
outgoing to
the same
mobile
network
Local
outgoing to
other
49
networks
International
Per minute
0.08
0.28
calls to India
International
Per text
0.08
0.28
text
Text {local &
Per text
0.08
0.23
0.40
international}
GPRS
Per MB
0.09
0.39
0.39
0.70
CLAY
Australia sim card
Featured
0/monthly
25/fortnightly
plans
clay basic
clay value
aud free
aud free
35/fortnightly clay
incoming &
incoming &
zero rental
min call to
incoming &
plans
India
features
Setup free
Rental cost
Minimum
INR199
0
INR 500
INR 199
Aud 25
INR 199
Aud 35
commitment
Incoming
FREE
FREE
Special
calls
Local calls
Aud
Aud 0.25/min
FREE
Unlimited
50
to intra
0.25/min
network
Local calls
Aud
to cross
0.25/min
Aud 0.25/min
network
Call-back to
Unlimited
Aud
Aud 0.65/min
India
Sms local
0.65/min
Aud
Aud 0.25/min
Sms
0.25/min
Aud
international
GPRS
0.25/min
Aud
Aud 0.65/min
Aud 0.25/unit
Aud 0.25
Aud 0.003/kb
0.003/kb
Aud 0.25/unit
Aud 0.003/kb
BRAZIL SIMCARD
Featured plans
Special features
Setup free
Rental cost
Minimum commitment
Incoming calls
Sms international
GPRS
Local outgoing
Other local calls in brazil
Call back to India
Sms local
INR 199
0
INR 500
Free
brl 1.30/unit
Brl 0.02
brl 0.52/min
brl 1.10/min
brl 5.00/min
brl 0.59/unit
51
CANADA SIMCARD
Featured plans
Special features
Setup fee
Rental cost
Minimum commitment
Incoming calls
Local calls
Call back to India
Sms local
Sms international
INR199
0
inr 500
cad 0.30/min
cad 0.30/min
cad 0.89/min
cad 0.25/unit
cad 0.35/unit
EUROPE SIMCARD
Featured plans
Special features
Setup fee
Rental cost
Minimum
commitment
Roaming
clay value
clay
Clay basic
gbp
platinum gbp
gbp
7/monthly
free
12/weekly
free
0/monthly
Zero rental
incoming
incoming
plans
150 minutes
199
692.23
plan
199
1186.68
500
500
199
0
500
4.9445/min
;incoming in
Europe
Local GPRS
4.9445/min
0.9889
Free
52
Roming;outgoing
28.6781/min
in Europe
EU roaming to
28.6781/min
28.6781/min
India
EU roaming sms
International sms
EU roaming
58.3451/min
28.6781/unit
58.3451/min
28.6781/unit
28.6781/unit
GPRS
0.9889/10KB
0.9889/10KB
58.3451/min
28.6781/unit
28.6781/unit
0.9889/10kb
JAXTR
Location
Albania
Austria
Argentina
Australia
Belarus
Belgium
Bermuda
Brazil
Bulgaria
Canada
Chile
China
Colombia
Congo
Cuba
Denmark
Egypt
Estonia
Mobile
$0.312/min
$0.204/min
$0.180/min
$0.120/min
$0.264/min
$0.216/min
$0.096/min
$0.300/min
$0.312/min
$0.024/min
$0.024/min
$0.036/min
$0.132/min
$0.444/min
$1.056/min
$0.240/min
$0.204/min
$0.264/min
Landline
$0.156/min
$0.204/min
$0.024/min
$0.120/min
$0.420/min
$0.048/min
$0.096/min
$0.060/min
$0.036/min
$0.012/min
$0.480/min
$0.024/min
$0.108/min
$0.168/min
$1.008/min
$0.024/min
$0.180/min
$0.024/min
53
Ethiopia
Finland
France
Gambia
Georgia
Germany
Greece
Green land
Guinea
Hong Kong
Iceland
India
Indonesia
Iraq
Iran
Ireland
Italy
Japan
Jersey
Kuwait
Libya
Madagascar
Malawi
Malaysia
Mexico
Netherlands
New Zealand
Nigeria
Norway
Panama
Poland
Portugal
Romania
Singapore
Spain
Sweden
Switzerland
Uganda
Ukraine
United states
$0.324/min
$0.072/min
$0.204/min
$0.420/min
$0.192/min
$0.228/min
$0.252/min
$0.480/min
$0.468/min
$0.024/min
$0.228/min
$0.024/min
$0.156/min
$0.192/min
$0.144/min
$0.204/min
$0.240/min
$0.144/min
$0.228/min
$0.120/min
$0.408/min
$0.276/min
$0.144/min
$0.048/min
$0.072/min
$0.276/min
$0.300/min
$0.240/min
$0.204/min
$0.156/min
$0.228/min
$0.276/min
$0.288/min
$0.024/min
$0.228/min
$0.168/min
$0.348/min
$0.156/min
$0.144/min
$0.024/min
$0.300/min
$0.048/min
$0.204/min
$0.300/min
$0.084/min
$0.036/min
$0.024/min
$0.564/min
$0.420/min
$0.024/min
$0.024/min
$0.024/min
$0.084/min
$0.096/min
$0.108/min
$0.024/min
$0.036/min
$0.108/min
$0.024/min
$0.120/min
$0.372/min
$0.276/min
$0.144/min
$0.024/min
$0.060/min
$0.024/min
$0.024/min
$0.192/min
$0.204/min
$0.036/min
$0.048/min
$0.024/min
$0.072/min
$0.024/min
$0.024/min
$0.024/min
$0.048/min
$0.156/min
$0.180/min
$0.012/min
54
United kingdom
$0.192/min
$0.036/min
ROAM1
UK grand
plan amount
Card type
Validity
Talk time
Incoming calls
Local calls
India calls
Local sms
International sms
INR 3500
Global (+44) NO.
30 days
FREE
300 minutes
INR 10/sms
INR 20/sms
GRAND
Plan amount
Card type
Validity
Talk time
Incoming calls
Local calls
India calls
Local sms
International sms
INR 3500
Global (+44) NO.
30 days
INR2750
FREE
FREE
FREE
FREE
FREE
55
Usa to India
One sim
$0.49
Roam1
Unlimited
Jaxtr
$0.090
Uniconnect
Unlimited calls on
to 1st 5
first 5 numbers
dialled
additional 500
numbers
minutes credit to
Clay
$0.75
200 min
$2.380
number
RS.1.13
$0.65
India
Dubai to
$0.69
free
NA
$0.290
RS.9.6
$1.99
India
Uk to India
$0.39
400min
$0.150
RS.1.98
$0.45
Germany to
$0.49
free
NA
$0.150
Landline Rs.0.79
$0.45
India
France to
$0.49
NA
$0.150
Mobile Rs.1.57
Landline RS.0.79
$0.45
Australia to
India
Mobile(10pm-6am)RS.1.58,mobile(6am-
Italy to India
Netherlands
$0.49
$0.49
NA
NA
$0.150
$0.150
10pm)-RS.3.15
RS.21.73
Landline RS.7.53|
$045
$0.45
to India
Spain to
$0.49
NA
$0.150
mobie RS.10.04
RS.0.94
$0.45
India
Switzerland
$0.65
NA
$2.199
RS.12.32
$0.55
to India
Turkey to
$0.49
NA
$0.286
RS.54.64
$0.55
India
China to
$0.29
NA
$0.259
RS.3.87
$0.60
India
Malaysia
Singapore
Vietnam
$0.75
$0.75
$0.55
65min free
NA
NA
$0.855
$0.692
$1.129
RS.2.64
RS.4.79
NA
$0.65
$1.25
$0.70
56
Cambodia
$1.50
NA
$0.674
RS.7.32
$1.05
Findings
57
Findings;
With the advent of the fourth generation mobile technology.The challenges before
uthority is to deliver the benefits of technology more widely to the subscribers
considering many issues.
If we subscribe to domestic network in home country. It has the monopoly on the
subscriber roaming charges.
GSM Roaming, which involves roaming between gsm networks, offers the convenience
of a single number, a single bill and a single phone with world wide access to over
many countries.
Getting an international sim card is quite simply the most convinient & cost effective
way of making and recieving calls in over many countries.
Choosing the best sim card service provider is very difficult, why because the offers are
different. It is very difficult to compare.
Company is reluctant to share the strategic information with the employees (product,
services and prices).
Jaxtr charging different charges for the European countries but the other three are
charging same charges for the whole European countries.
58
Four companies (matrix, clay, jaxtr, Roam1) are providing different combos.
Competition is very high .but, there offers are dissimilar.one company is providing less
call costs and the other is providing more data for less cost.
Only matrix and clay are providing data card services in the compared companies.
Mostly customers like to go with post-paid services.
Matrix holds more than 1/3rd of the specific sim card market share in Bangalore.
General mode of payments is credit card (49%), however cheque is the other upcoming.
Matrix (28%) is most preferred brand however clay, jaxtr, roam1 are potential
competitors in the market.
Matrix has more than 60% satisfied customers however clay and others have more than
1/3rd satisfied customers.
59
Recommendations
Company should promote the brand name of matrix to create more awareness among
people.
There are only two branch offices in Bangalore (Matrix). Company should open more
branches to target more people.
Company should reduce the call charges in order to make the products more
competitive.
The company rate policy must be flexible enough to catch new customers because if
company offers lower price to a new customer then customer may continue buy the
goods and can be a permanent customer for the company.
Schemes and plans provided by the company should be attractive enough to have the
kind attention of customers and strong enough to meet the competitive environment.
Matrix should try to share more information with the employees .So, that they can
contribute more towards organizational goal.
60
Conclusion
After comparison of the plans of these four companies, it is concluded that call charges are
varying significantly between companies. Competition is increasing in cellular market day by
day as there are many companies are operating this business. All of them are trying to increase
their market share giving lots of facilities. In future as a market leader Matrix should focus more
on customer service area to keep customers loyal.
61
References
(http://www.trai.gov.in/Content/TelDis/52_1_1.aspx, 2015) (2015)
(https://www.clay.co.in/landingpage-international-SIM-card.aspx?
utm_source=GooglePPC&utm_medium=ClayTelecom&utm_campaign=lead&gclid=CI
mzzazS-MUCFdYXjgodgLEAQA, 2015)
(matrix.com, 2015)
(https://jaxtr.com/, n.d.)
62
(http://www.roam1.com/, 2015)
Annexure
Terms & Conditions:
In case the SIM card is returned after delivery, a cancellation charge of Rs. 299
shall apply
63
The above plan is valid only for use in USA. Any usage made outside USA, is
subject to roaming rates, approximately $10/ minute; or as applicable by the
network
These plans are not valid for use, while on a cruise or a flight. Usage during a
cruise or a flight is charged at high rates at the discretion of the cruise lines/
airlines
The data usage included in the plans is not valid for use on Blackberry phones.
Data/GPRS services shall be activated on all SIM cards and shall be charged in a
similar way as SMS/calls, i.e., the more you use, higher the charges would be
Using internet for watching videos (e.g., YouTube), making VoIP calls (e.g.,
Skype), sending pictures/videos on chat (e.g., WhatsApp) and navigation (e.g.,
Google maps) can consume lot of MBs, so be careful while using these
The above plan is valid for validity period mentioned. In case the trip is
extended beyond the validity period, the plan charges will get rolled over on
pro-rata basis.
The data packs are valid for validity mentioned. In case the trip is extended
beyond the validity period, the pack charges will get rolled over
The bill is calculated as per the prevailing Standard Chartered Bank exchange
rates on the bill generation date
64
Questionnaire
Personal information:
Name of m/s
Address
Phone
E-mail
1. Type of outlet:
(a) Corporate office
(b) Airport
(b) post-paid
(b) cheque
4. Do you feel that call rate on international roaming is less than others:
(a) agree (b) strongly agree (c) disagree (d) strongly disagree
5. Basically which of the operators you deal with?
(a) matrix (b) clay (c) uniconnect (d) roam1 (e) reliance (f) others
6. How many times in a year do you visit foreign country?
(a) less than 10 (b) less than 20 (c) less than 30 (d)more 30
7. Do you think that forex & insurance services offered by matrix is better?
(a) agree (b) strongly agree (c) disagree (d) strongly disagree
8. Since how long you are in the business/profession?
(a) 0-1year (b) 1-3years (c) 3-5years (d) 5 or more years
9. Since how long you are dealing with matrix?
(a) 0-1year (b) 1-3years (c) 3-5years (d) 5 or more years
10. Which connection do the customers prefer when they come at your doorstep?
65
(a) Matrix
(b) clay
(c) uniconnect
(d) roam1
(b) average
(b) clay
66