STUDENT DECLARATION

I here by declare that project entitled “DEMAT ACCOUNT ANALYSIS”.

AT

ICICI BANK, JAIPUR.

Submitted in the requirement for the degree

Of

Bachelor of Business Administration

To

Subhodh Institute of Management & Career Studies

Affiliated to

University of Rajasthan, (jaipur)

It is my original work & not submitted for the award of any other Diploma,
fellowship or other similar title or prizes.
 CERITIFICATE

This is to certify that Mr. Sheetal Kumar Jain, a student of B.B.A. Part III has
completed his project report on topic “DEMAT ACCOUNTS ANALYSIS” with
special reference to ICICI BANK, JAIPUR under my guidance. It is his original
piece of work to the best of my knowledge.

[Project Guide]
 ACKNONOWLEDGEMENT

Any research is never an individual effort. It is a contributing effort of many hands,

heads and hearts. The project would be incomplete without mention of those, who
have spared their valuable time and shared their rich experience, in making this
project a success.

Acknowledging the work and help of all those who have guided us for the
completion of the project on time is indeed a duty of ours knowledge the fact that
no words can measure their guidance to any extent. It is a matter of great privilege
and immense pleasure to be associated with an esteemed organization like ICICI
BANK

Fist of all, I would like to thank Mr. AMIT JAIN, ICICI BANK, JAIPUR for
allowing me to conduct project training. Without his immense support, it would
not be possible to complete this project successfully. His interaction with us was a
great help.

Also I would like to thanks Prof. Manchand Jain Khandela & All staff & my
project guide Mrs. SWATI JAIN for her immense cooperation and support in
successfully completion of my project report.
 OBJECTIVES OF THE STUDY

1. To study the preference of people for investment purpose

current economic conditions.

2. To study the popularity & success of ICICI BANK for Demat

Accounts.

3. To study the extent of customers satisfaction holding Demat

Accounts in ICICI BANK.

4. To study the future expectations of customers at ICICIBANK

Demat accounts services.
 INDEX

S.NO. CHAPTER
1. ICICI BANK – COMPANY INFORMATION 1

2. MANAGEMENT OF ORGANISATION 5

3. SERVICES OFFERED 9

4. DEMATERIALIZATION 18

5. DEMAT ACCOUNTS & ASPECTS 21

6. RESEARCH METHODOLOGY 26.1

7. PROCEDURE OF SANCTIONING & OPENING 27

DEMAT ACCOUNTS

8. DEMAT SERVICES OFFERED BY ICICI BANK 31

9. DATA ANALYSIS & INTERPRETATION 40

10. LIMITATIONS 46

11. SWOT ANALYSIS 47

12. CONCLUSION 48

13. RECOMMENDATIONS 50

14. APPENDIX 51

BIBLIOGRAPHY
 ICICI BANK – COMPANY INFORMATION

ICICI Bank is India's second-largest bank with total assets of Rs. 3,446.58
billion (US$ 79 billion) at March 31, 2007 and profit after tax of Rs. 31.10
billion for fiscal 2007. ICICI Bank is the most valuable bank in India in
terms of market capitalization and is ranked third amongst all the
companies listed on the Indian stock exchanges in terms of free float
market capitalization..

The Bank has a network of about 950 branches and 3,300 ATMs in India
and presence in 17 countries. ICICI Bank offers a wide range of banking
products and financial services to corporate and retail customers through a
variety of delivery channels and through its specialized subsidiaries and
affiliates in the areas of investment banking, life and non-life insurance,
venture capital and asset management.
The Bank currently has subsidiaries in the United Kingdom, Russia and
Canada, branches in Singapore, Bahrain, Hong Kong, Sri Lanka and Dubai
International Finance Centre and representative offices in the United States,
United Arab Emirates, China, South Africa, Bangladesh, Thailand,
Malaysia and Indonesia. Our UK subsidiary has established a branch in
Belgium.

ICICI Bank's equity shares are listed in India on Bombay Stock Exchange
and the National Stock Exchange of India Limited and its American
Depositary Receipts (ADRs) are listed on the New York Stock Exchange
(NYSE).

History

ICICI Bank was originally promoted in 1994 by ICICI Limited, an Indian

financial institution, and was its wholly-owned subsidiary. ICICI's
shareholding in ICICI Bank was reduced to 46% through a public offering
of shares in India in fiscal 1998, an equity offering in the form of ADRs
listed on the NYSE in fiscal 2000, ICICI Bank's acquisition of Bank of
Madura Limited in an all-stock amalgamation in fiscal 2001, and secondary
market sales by ICICI to institutional investors in fiscal 2001 and fiscal
2002.
ICICI was formed in 1955 at the initiative of the World Bank, the
Government of India and representatives of Indian industry. The principal
objective was to create a development financial institution for providing
medium-term and long-term project financing to Indian businesses.

In the 1990s, ICICI transformed its business from a development financial

institution offering only project finance to a diversified financial services
group offering a wide variety of products and services, both directly and
through a number of subsidiaries and affiliates like ICICI Bank. In 1999,
ICICI become the first Indian company and the first bank or financial
institution from non-Japan Asia to be listed on the NYSE.

After consideration of various corporate structuring alternatives in the

context of the emerging competitive scenario in the Indian banking
industry, and the move towards universal banking, the managements of
ICICI and ICICI Bank formed the view that the merger of ICICI with
ICICI Bank would be the optimal strategic alternative for both entities, and
would create the optimal legal structure for the ICICI group's universal
banking strategy.
The merger would enhance value for ICICI shareholders through the
merged entity's access to low-cost deposits, greater opportunities for
earning fee-based income and the ability to participate in the payments
system and provide transaction-banking services.

The merger would enhance value for ICICI Bank shareholders through a
large capital base and scale of operations, seamless access to ICICI's strong
corporate relationships built up over five decades, entry into new business
segments, higher market share in various business segments, particularly
fee-based services, and access to the vast talent pool of ICICI and its
subsidiaries.

In October 2001, the Boards of Directors of ICICI and ICICI Bank

approved the merger of ICICI and two of its wholly-owned retail finance
subsidiaries, ICICI Personal Financial Services Limited and ICICI Capital
Services Limited, with ICICI Bank.

The merger was approved by shareholders of ICICI and ICICI Bank in

January 2002, by the High Court of Gujarat at Ahmedabad in March 2002,
and by the High Court of Judicature at Mumbai and the Reserve Bank of
India in April 2002. Consequent to the merger, the ICICI group's financing
and banking operations, both wholesale and retail, have been integrated in
a single entity.
 ORGANISATION’S STRUCTURE

Board Members

Mr. N. Vaghul, Chairman

Mr. Sridar Iyengar

Mr. Lakshmi N. Mittal

Mr. Narendra Murkumbi

Mr. Anupam Puri

Mr. Vinod Rai

Mr. M.K. Sharma

Mr. P.M. Sinha

Prof. Marti G. Subrahmanyam

Mr. T.S. Vijayan

Mr. V. Prem Watsa

Mr. K.V. Kamath, Managing Director & CEO

Ms. Chanda Kochhar, Joint Managing Director & Chief Financial Officer
 Ms. Madhabi Puri-Buch, Executive Director

Mr. Sonjoy Chatterjee, Executive Director

Mr. V. Vaidyanathan, Executive Director

Board Committees

Audit Committee

 Mr. Sridar Iyengar

 Mr. Narendra Murkumbi

 Mr. M. K. Sharma

Board Governance & Remuneration Committee

 Mr. N. Vaghul

 Mr. Anupam Puri

 Mr. M. K. Sharma

 Mr. P. M. Sinha

 Prof. Marti G. Subrahmanyam

 Customer Service Committee

 Mr. N. Vaghul

 Mr. Narendra Murkumbi

 Mr. M.K. Sharma

 Mr. P.M. Sinha

 Mr. K. V. Kamath

Credit Committee

 Mr. N. Vaghul

 Mr. Narendra Murkumbi

 Mr. M .K. Sharma

 Mr. P. M. Sinha

 Mr. K. V. Kamath

Fraud Monitoring Committee

 Mr. M. K. Sharma

 Mr. Narendra Murkumbi

 Mr. K. V. Kamath

 Ms. Chanda D. Kochhar

 Mr. V. Vaidyanathan
 Risk Committee

 Mr. N. Vaghul

 Mr. Sridar Iyengar

 Prof. Marti G. Subrahmanyam

 Mr. V. Prem Watsa

 Mr. K. V. Kamath

Share Transfer & Shareholders'/ Investors' Grievance Committee

 Mr. M. K. Sharma

 Mr. Narendra Murkumbi

Asset-Liability Management Committee

 Ms. Chanda D. Kochhar

 Ms. Madhabi Puri-Buch Ms. Chanda D. Kochhar

 Ms. Madhabi Puri-Buch

 Mr. Sonjoy Chatterjee

 Mr. V. Vaidyanathan

Committee of Directors

 Mr. K. V. Kamath

 Ms. Chanda D. Kochhar

 Ms. Madhabi Puri-Buch

 Mr. Sonjoy Chatterjee

 Mr. V. Vaidyanathan
 SERVICES OFFERED

DEPOSITS: -

ICICI Bank offers wide variety of Deposit Products to suit your

requirements. Coupled with convenience of networked branches/ ATMs
and facility of E-channels like Internet and Mobile Banking, ICICI Bank
brings banking at your doorstep. Select any of our deposit products and
provide your details online and our representative will contact you for
Account Opening.

Savings Account ICICI Bank offers you a power packed Savings Account
with a host of convenient features and banking channels to transact
through. So now you can bank at your convenience, without the stress of
waiting in queues.

Life Plus Senior Citizen services We understand that as you reach the age
to retire, you do have certain concerns, whether you’re hard earned money
is safe and secure, whether your investments give you the kind of returns
that you need. That's why we have an ideal Banking Service for those who
are 60 years and above. The Senior Citizen Services from ICICI Bank has
several advantages that are tailored to bring more convenience and
enjoyment in your life.
Young Stars it’s really important to help children learn the value of
finances and money management at an early age. Banking is a serious
business, but we make banking a pleasure and at the same time children
learn how to manage their personal finances.

Fixed Deposits Safety, Flexibility, Liquidity and Returns!!!! A combination

of unbeatable features of the Fixed Deposit from ICICI Bank.

Recurring Deposits When expenses are high, you may not have adequate
funds to make big investments. But simply going ahead without saving for
the future is not an option for you. Through ICICI Bank Recurring Deposit
you can invest small amounts of money every month that ends up with a
large saving on maturity. So you enjoy twin advantages- affordability and
higher earnings.

Easy Receive Account Easy receive account is a unique account that caters
to the domestic banking needs while offering additional benefits for
remittances received in the account.

LOANS:

ICICI Bank offers wide variety of Loans Products to suit your

requirements. Coupled with convenience of networked branches/ ATMs
and facility of E-channels like Internet and Mobile Banking, ICICI Bank
brings banking at your doorstep. Select any of our loan product and provide
your details online and our representative will contact you for getting loans.

Home Loans The No. 1 Home Loans Provider in the country, ICICI Bank
Home Loans offers some unbeatable benefits to its customers - Doorstep
Service, Simplified Documentation and Guidance throughout the Process.
It's really easy!

Personal Loans If you're looking for a personal loan that's easy to get, your
search ends here. ICICI Bank Personal Loans are easy to get and absolutely
hassle free. With minimum documentation you can now secure a loan for
an amount up to Rs. 15 lakhs.

Car Loans The No. 1 financier for car loans in the country. Network of
more than 2500 channel partners in over 1000 locations. Tie-ups with all
leading automobile manufacturers to ensure the best deals. Flexible
schemes & quick processing. Hassle-free application process on the click
of a mouse.

Commercial Vehicle Loans Range of services on existing loans & extended

products like funding of new vehicles, refinance on used vehicles, balance
transfer on high cost loans, top up on existing loans, Xtend product,
working capital loans & other banking products.

Two Wheeler Loans Avail attractive schemes at competitive interest rates

from the No 1 Financier for Two Wheeler Loans in the country. Finance
facility upto 90% of the On Road Cost of the vehicle, repayable in
convenient repayment options and comfortable tenors from 6 months to 36
months. Ride home on your Dream Two Wheeler with our hassle free
finance.

Farm Equipment Loans Preferred financier for almost all leading tractor
manufacturers in the country. Flexible repayment options in tandem with
the farmer's seasonal liquidity. Monthly, Quarterly and Half-yearly
repayment patterns to choose from. Comfortable repayment tenures from 1
year to 9 years.

INVESTMENTS:

At ICICI Bank, we care about all your needs. Along with Deposit products
and Loan offerings, ICICI Bank assists you to manage your finances by
providing various investment options ranging from ICICI Bank Tax Saving
Bonds to Equity Investments through Initial Public Offers and Investment
in Pure Gold.

ICICI Bank facilitates following investment products:

1. ICICI Bank Tax Saving Bonds

2. Government of India Bonds

3. Investment in Mutual Funds

4. Initial Public Offers by Corporate

5. Investment in "Pure Gold"

6. Foreign Exchange Services

7. Senior Citizens Savings Scheme, 2004

You can invest in above products through any of our branches. For select
products ICICI Bank also provides the ease of investing through electronic
channels like ATMs and Internet (ICICIdirect.com)

CARDS:
ICICI Bank offers a variety of cards to suit your different transactional
needs. Our range includes Credit Cards, Debit Cards and Prepaid cards.
These cards offer you convenience for your financial transactions like cash
withdrawal, shopping and travel. These cards are widely accepted both in
India and abroad. Read on for details and features of each.

Credit Cards ICICI Bank Credit Cards give you the facility of cash,
convenience and a range of benefits, anywhere in the world. These benefits
range from life time free cards, Insurance benefits, global emergency
assistance service, discounts, utility payments, travel discounts and much
more.

Debit Cards The ICICI Bank Debit Card is a revolutionary form of cash
that allows customers to access their bank account around the clock, around
the world. The ICICI Bank Debit Card can be used for shopping at more
than 3.5 Lakh merchants in India and 24 million merchants worldwide.

Travel Card Presenting ICICI Bank Travel Card. The Hassle Free way to
Travel the world. Traveling with US Dollar, Euro, Pound Sterling or Swiss
Francs; Looking for security and convenience; take ICICI Bank Travel
Card. Issued in duplicate. Offers the Pin based security. Has the
convenience of usage of Credit or Debit card.

Pre Paid Cards ICICI Bank brings to you a complete bouquet of pre-paid
cards providing payment solutions at your fingertips. ICICI Bank pre-paid
cards are a safe & convenient way for associate payments, disbursements,
gifting & small ticket transactions. Pre-paid cards are available on a VISA
platform thus providing accessibility to over 3.5 Lakh merchant
establishments & cash withdrawal from all VISA ATMs in India.
FOREX SERVICES:

Foreign Exchange Services ICICI Bank's Foreign Exchange Services will

help you organize your foreign exchange in the most hassle free manner.
Whether its Foreign Currency, Travelers Cheques or Travel Card, ICICI
Bank Foreign Exchange Services is a one-stop solution to your foreign
exchange requirement. Smooth journeys begin at ICICI Bank's Foreign
Exchange Services. Take advantage of competitive rates. With ICICI
Bank's Foreign Exchange Services you are assured of the best possible
rates of Foreign Exchange - Currencies, Travelers Cheques or Travel Card,
round the year. Enjoy professional and personalized service. We ensure
hassle-free services for you with an assurance of prompt delivery of
Foreign Exchange at your doorstep*.

Foreign Exchange Services offers a variety of foreign exchange products

like:

 ICICI Bank Travel Card

 Travelers Cheques (American Express)

 Foreign Currencies
Mobile Banking

Bank on the move with ICICI Bank Mobile Banking. With ICICI Bank,
Banking is no longer what it used to be. ICICI Bank offers the Mobile
Banking facility to all its Bank, Credit Card, Demat and Loan customers.
ICICI Bank Mobile Banking can be divided into two categories of
facilities:

Alert facility: The ICICI Bank Mobile Banking Alert facility informs you
promptly of the significant transactions in your accounts. It keeps you
updated wherever you go.

Request facility: ICICI Bank Mobile Banking Request facility enables you
to ask for your account information.

A user friendly automated service menu offers you convenient access to

your account coupled with security as, all your transactions are protected
by a Atm Pin - The Personal password to your Banks & Credit card
Account and Tpin for your Demat Account . But if you do need any
assistance our officers will be glad to help you

Self Phone Banking (IVR) access Mechanisms are as follows: For Deposits
--The customer would need to key-in his ATM/Debit Card Number and its
corresponding ATM PIN. For Credit Cards -The customer would need to
key-in his 16 digit Card Number and its corresponding ATM PIN.

For Demat Account Holders -The customer would need to key-in his 14
Digit Demat Account Number and its TPIN. For Bond Account Holders
-The customer would need to key in his Bonds holder Number only. Some
of the services offered are listed below

Banks Functionalities:
  Account Balance

 Mini Statement

 Cheque Book Request

 Cheque Status enquiry

 Stop Cheque Payment

 Utility Bill Payment

 Internet Userid

 Mobile banking Registration

Card Functionalities:

 Outstanding Balance

 Details of Last Statement

 Details of Last Payment

 Last five Transactions

 Reward Points status

Demat Functionalities:

 ISIN query

 Holding statement

 Transaction History

 Submitting Delivery Instructions

 Request for Instruction Booklet

Bonds Functionalities:
  Information on Redemption

 Information on Interest

 Information on Despatch of Bonds certificates

Others:

 Lost/Replacement card

 ATM pin re-issue

 Standing Instructions

 Complaints and suggestions

 Inquire about any ICICI Bank product

ATM

ICICI Bank's 24 Hour ATM network is one of the largest and most
widespread ATM Network in India. Our ATMs are located in commercial
areas, residential localities, major petrol pumps, airports, near railway
stations and other places which are conveniently accessible to our
customers. ICICI Bank ATMs features user-friendly graphic screens with
easy to follow instructions. We have introduced ATMs which interact with
customers in their local language for increased convenience.
 DEMATERLIZATION
Introduction

Trading in the shares of the Company is compulsory in dematerialized

form for all investors. The Company has, therefore, enlisted its shares with
both the depositories, viz, NSDL and CDSL. This means that you have
now had the option to hold and trade in the shares of the Company in
electronic form. While most of you may be familiar with how a Depository
functions, given below is a brief outline, in question and answer format,
which we hope will be useful to you.

Dematerialisation?

Dematerialisation (“Demat” in short form) signifies conversion of a share

certificate from its physical form to electronic form for the same number of
holding which is credited to your demat account which you open with a
Depository Participant (DP). Dematerialisation is a process by which the
physical share certificates of an investor are taken back by the Company
and an equivalent number of securities are credited in electronic form at the
request of the investor.
An investor will have to first open an account with a Depository Participant
and then request for the dematerialisation of his share certificates through
the Depository Participant so that the dematerialised holdings can be
credited into that account. This is very similar to opening a Bank Account.

Dematerialisation of shares is optional and an investor can still hold shares

in physical form. However, he / she has to demat the shares if he / she
wishes to sell the same through the Stock Exchanges. Similarly, if an
investor purchases shares, he / she will get delivery of the shares in demat
form.

Depository

A Depository (NSDL & CDSL) is an organisation like a Central Bank

where the securities of a shareholder are held in the electronic form at the
request of the shareholder through the medium of a Depository Participant.
If an investor wants to utilise the services offered by a Depository, the
investor has to open an account with the Depository through a Depository
Participant. The Depository can legally transfer beneficial ownership which
a custodian cannot. The main objective of a Depository is to minimize the
paper work involved with the ownership, trading and transfer of securities.

Depository Participant

Similar to the brokers who trade on your behalf in and outside the Stock
Exchange; a Depository Participant (DP) is your representative (agent) in
the depository system providing the link between the Company and you
through the Depository. Your Depository Participant will maintain your
securities account balances and intimate to you the status of your holding
from time to time. According to SEBI guidelines, Financial Institutions like
banks, custodians, stockbrokers etc. can become participants in the
depository. A DP is one with whom you need to open an account to deal in
electronic form. While the Depository can be compared to a Bank, DP is
like a branch of your bank with whom you can have an account.

Operation of Depository System

The Depository System functions very much like the banking system. A
bank holds funds in accounts whereas a Depository holds securities in
accounts for its clients. A Bank transfers funds between accounts whereas a
Depository transfers securities between accounts. In both systems, the
transfer of funds or securities happens without the actual handling of funds
or securities. Both the Banks and the Depository are accountable for the
safe keeping of funds and securities respectively.
 DEMAT ACCOUNT & ASPECTS

Demat Account:

Demat account allows you to buy, sell and transact shares without the
endless paperwork and delays. It is also safe, secure and convenient.

Demat refers to a dematerialised account.

Just as you have to open an account with a bank if you want to save your
money, make cheque payments etc, you need to open a demat account if
you want to buy or sell stocks. So it is just like a bank account where actual
money is replaced by shares. You have to approach the DPs (remember,
they are like bank branches), to open your demat account.

Let’s say your portfolio of shares looks like this: 40 of Infosys, 25 of

Wipro, 45 of HLL and 100 of ACC. All these will show in your demat
account. So you don’t have to possess any physical certificates showing
that you own these shares. They are all held electronically in your account.
As you buy and sell the shares, they are adjusted in your account. Just like
a bank passbook or statement, the DP will provide you with periodic
statements of holdings and transactions.

Features of a Demat account?

1. Trading in the shares of the Company is now under the compulsory demat
segment. With SEBI making demat mandatory on most of the traded scrips,
electronic transaction will be the only way everyone will trade.

2. No stamp duty for transfer of securities in the electronic form. In case of

transfer of physical shares, stamp duty of 0.5 percent is payable on the market
value of shares being transferred.

3. All risks associated with physical certificates such as delays, loss, in transit,
theft, mutilation, bad deliveries, etc. eliminated. Your shares can be kept in the
“Frozen Mode” by your Depository Participant under your specific
instructions.

4. The concept of an “odd lot” in respect of dematerialized shares stands

abolished, i.e. in the demat mode, market lot becomes one share.

5. Dematerialised securities are most preferred by banks and other financiers

for providing credit facility against securities. Generally, demat securities
attract lower margin and lower rates of interest compared to physical securities.

6. Even in the electronic mode of trading, the payment mechanism (usually

through a broker) between the buyer and seller continues to be as before. Also
the usual brokerage charges would have to be incurred. However, after the
settlement, pay in and pay out are on the same day for scripless trading which
means you get your securities as well as cash immediately.

7. Shares bought or sold are transferred in your name on the very next day of
pay out. In case of physical shares, transfer of ownership takes 30 days or
sometimes even more.

8. No courier / postal charges for sending share certificates / transfer deeds.

9. Facility for freezing / locking of investor accounts, which enables you to

make your account non-operational, for instance if you are abroad.

10.Facility to pledge and hypothecate your securities available.

11.As the Depository System becomes popular, brokers will be increasingly
reluctant to deal with physical shares.

Investors prefer to buy shares which are already in dematerialised form.

Steps to fill Demat Account

1. Fill demat request form (DRF) (obtained from DP with whom your
depository account is opened).

2. Deface the share certificate(s) you want to dematerialise by writing

across Surrendered for dematerialisation.

3. Submit the DRF & share certificate(s) to DP. DP would forward them to
the issuer / their R&T Agent .

4. After dematerialisation, your depository account with your DP,

would be credited with the dematerialised securities.

Points to be considerd for opening a demat account:

1. Only securities admitted by NSDL can be dematerialised. The list is

available with your DP.

2. Only securities registered in the name of the account holder can be

dematerialised.

3. Dematerialisation is normally completed within 15 days after the share

certificates have reached the issuer/ their R&T Agent. Thus it may take you a
month from the date you hand over shares, to receive demat credit.
4. Dematerialisation would be done only when the issuer / their R&T
Agent is satisfied of genuineness of securities & ownership status.

5. All the joint holders should sign the DRF.

6. The pattern of holding in the DRF should match the pattern of holding
on the share certificate & the pattern in which account is opened.

7. Demat requests with name(s) not matching exactly with the name(s)
appearing on the certificates merely on account of initials not being spelt out
fully or put after or prior to the surname, would be processed, provided the
signature(s) of the client(s) on the DRF tallies with the specimen signature(s)
available with the issuer/ their R & T agent.

8. If the signature in the DRF does not match with the signature available
with the issuer/ their R & T agent, the issuer/ their R & T agent may at the time
of demat confirmation, ask for additional documentation (like bank attestation/
notarisation, etc.) to prove that the certificate belongs to the person who
forwarded the DRF.

9. In case there is any problem in processing the DRF, contact your DP

and if he cannot resolve the problem you may contact NSDL.

Is a demat account a must?

Nowadays, practically all trades have to be settled in dematerialised form.

Although the market regulator, the Securities and Exchange Board of India
(SEBI), has allowed trades of upto 500 shares to be settled in physical
form, nobody wants physical shares any more. So a demat account is a
must for trading and investing.

Importance of demat account:

The demat account reduces brokerage charges, makes
pledging/hypothecation of shares easier, enables quick ownership of
securities on settlement resulting in increased liquidity, avoids confusion in
the ownership title of securities, and provides easy receipt of public issue
allotments. It also helps you avoid bad deliveries caused by signature
mismatch, postal delays and loss of certificates in transit. Further, it
eliminates risks associated with forgery, counterfeiting and loss due to fire,
theft or mutilation. Demat account holders can also avoid stamp duty (as
against 0.5 per cent payable on physical shares), avoid filling up of transfer
deeds, and obtain quick receipt of such benefits as stock splits and bonuses.

The benefits are enumerated below:-

1.A safe and convenient way to hold securities;

2.Immediate transfer of securities;

3.No stamp duty on transfer of securities;

4.Elimination of risks associated with physical certificates such as bad

delivery, fake securities, delays, thefts etc.;

5.Reduction in paperwork involved in transfer of securities;

6.Reduction in transaction cost;

7.No odd lot problem, even one share can be sold;

8.Nomination facility;

9.Change in address recorded with DP gets registered with all companies in

which investor holds securities electronically eliminating the need to
correspond with each of them separately;
10.Transmission of securities is done by DP eliminating correspondence
with companies;

11.Automatic credit into demat account of shares, arising out of

bonus/split/consolidation/merger etc.

12.Holding investments in equity and debt instruments in a single

account.
 RESEARCH METHODOLOGY

Research Design: - The Research was “Descriptive” in nature as is dealt

with describing the market and the buying behavior of consumers. The
research was designed to discover the potentiality of A Study Of Banking
& Awareness Of Saving Bank Accounts In at Jaipur and also the survey of
the individuals to know about their perception, the psychological factors
associated with the product, the benefits they are looking forth from the
product and how do they rank in terms of risk and returns associated with
it.

Sample Design: - The first step in order to accomplish the task was to draw
a sample. To serve this purpose, the sample technique adapted was
“Random Sampling”. Sample Size for the conduct of survey was taken to
get the details with necessary and reliable information, sanctioning of
working capital overdraft in the absence of security and many more issues
discussed therein.

Also by adopting this procedure it was ensured that the sample drawn
would have the same composition and characteristics of the population.
Types of universe: - The investors/ potential investors were basically
businessmen who are dealing in middle level trading and usually require
cash in hand while transacting in their regular course of business and for
meeting day-to-day requirements.

Size of the sample: - Since the population was homogeneous in nature to

large extent, hence a sample size of 60 respondents was taken into account
to achieve the objective of the study. Other prominent factors, kept in view
while determining the size of the sample were size of the population, the
number of questions in the schedule, the sampling procedure adopted and
the time constraint. Thus it fulfilled the requirements of efficiency,
reliability and flexibility.

Method of data collection: -Schedule (Performa containing set of

questions) was developed to conduct the survey. The researcher put the
respondents the questions from the performer and recorded the replies.

The schedule was available alternatives for data collection. The other
option was that of interview and questions. The schedule has many features
which added value to its use as a tool for accumulation of the required
information.

Firstly, the segment was general public consisted of Salaried people,

business class individuals and rest were students and not working people
such as retired ones. Moreover, if the mailing was used it would have made
the task of follow up extremely difficult.
Interview as a tool is quite economical but it is difficult to record and retain
the information and especially if the queries include open ended question.
Moreover, schedule surveys the purpose of a structure form the interview.
Though schedule has limitations like error on behalf of researchers while
recording the response or putting the query. It solved the purpose of data
collection for the project.

Contents of the schedule: - The schedule mainly comprised closed end

questions. A structure schedule was preferred for the study. Also the
language was kept as simple as possible and the questions were made an
unambiguous as possible. The questions have been arranged in a form to
provide all the needed information in maximum possible standardized
form.

The schedule consisted of questions which probed for the preference and
the reasons for certain buying pattern of the respondents. In order to
evaluate the efficiency of the schedule, a pilot survey was carried out. On
the basis of the finding of the pilot survey, necessary alternations were
made in he schedule to make it more effective.
 PROCEDURE OF SANCTIONING & OPENING OF
ACCOUNT
Steps involved:

First,

An investor has to approach a DP and fill up an account opening form. The

account opening form must be supported by copies of any one of the
approved documents to serve as proof of identity (POI) and proof of
address (POA) as specified by SEBI. Besides, production of PAN card in
original at the time of opening of account has been made mandatory
effective from April 01, 2006. All applicants should carry original
documents for verification by an authorized official of the depository
participant, under his signature.

Further,

The investor has to sign an agreement with DP in a depository prescribed

standard format, which details rights and duties of investor and DP. DP
should provide the investor with a copy of the agreement and schedule of
charges for their future reference. The DP will open the account in the
system and give an account number, which is also called BO ID
(Beneficiary Owner Identification number). The DP may revise the charges
by giving 30 days notice in advance. SEBI has rationalised the cost
structure for dematerialisation by removing account opening charges,
transaction charges for credit of securities, and custody charges vide
circular dated January 28, 2005.

Further,

SEBI has vide circular dated November 09, 2005 advised that with effect
from January 09, 2006, no charges shall be levied by a depository on DP
and consequently, by a DP on a Beneficiary Owner (BO) when a BO
transfers all the securities lying in his account to another branch of the
same DP or to another DP of the same depository or another depository,
provided the BO Account/s at transferee DP and at transferor DP are one
and the same, i.e. identical in all respects. In case the BO Account at
transferor DP is a joint account, the BO Account at transferee DP should
also be a joint account in the same sequence of ownership.

Important Documents Required:

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

according to your relationship with the institution. If you plan to open a
demat account with a bank, a savings account holder has an edge over the
non-account holder. In fact, banks usually offer additional incentives to
customers who open a demat account with them. Along with the
application form, your photographs (with co-applicants) and proof of
identity/residence/date of birth have to be submitted. The DPs also ask for
a DP-client agreement to be executed on non-judicial stamp paper.
Here is a broad list of requisities:

PAN card

Voter’s ID

Passport

Ration card

Driver’s license

Photo credit card

Employee ID card

Bank attestation

IT returns

Electricity/ Landline phone bill

Rights
1. You can open more than one depository account in the same name
with single DP/ multiple DPs.

2. No minimum balance is required to be maintained in a depository

account.

3. You can give a one time standing instruction to your DP to receive

all the credits coming to your depository account automatically.
 Procedure of Sanctioning: -

1. Fill account opening form (available with your DP).

2. Give your DP the duly filled account opening form with introduction
documents as may be required.

3. Sign agreement with DP (agreement will state rights & obligations of

both parties). The agreement will contain the fee structure of your DP. Your
DP would give you a copy of this signed agreement for your record.

4. DP would give you Client Id no. (account no.) once your depository
account is opened. This Client Id no. alongwith your DP Id no.forms a unique
combination. Both these nos. should be quoted in all your future
correspondence with DP/NSDL/ Issuing company/their registrar & transfer
(R&T) agent.

5. Your DP would give you pre-printed instruction slips for depository

services viz., dematerialisation, delivery instruction for trades, etc..Preserve
these carefully.

6. Your DP would give you a list of deadlines for giving instructions for
various depository activities viz., transfer for effecting sale, purchase,etc.. If
not, check with the DP.
 DEMAT SERVICES BY ICICI BANK
DEMAT SERVICES

ICICI Bank Demat Services boasts of an ever-growing customer base of

over 11.5 lacs account holders. In our continuous endeavor to offer best of
the class services to our customers we offer the following features:

• e-Instructions: You can transfer securities 24 hours a day, 7 days a week

through Internet & Interactive Voice Response (IVR) at a lower cost. Now
with "Speak to transfer", you can also transfer or pledge instructions through
our customer care officer.

• Consolidation Demat Account: Dematerialise your physical shares in

various holding patterns and consolidate all such scattered holdings into your
primary demat account at reduced cost.

• Digitally Signed Statement: Receive your account statement and bill by

email.

• Corporate Benefit Tracking: Track your dividend, interest, bonus

through your account statement.

• Mobile Request: Access your demat account by sending SMS to enquire

about Holdings, Transactions, Bill & ISIN details.

• Mobile Alerts: Receive SMS alerts for all debits/credits as well as for
any request which cannot be processed.
• Dedicated customer care executives specially trained at our call centre,
to handle all your queries.

• Countrywide network of over 235 branches, you are never far from an
ICICI Bank Demat Services outlet.

Account Opening

You can download the account opening forms from the site and submit
them at our branches offering Demat services. Viewing these files would
need Acrobat Reader installed on your machine. This will use
approximately 5MB of hard disk space. Click here to download Acrobat
Reader.

You can also visit the branches offering Demat service for opening the
Demat account. There is no fee for opening a DP account with ICICI.
However, a nominal fee will be levied towards services, as per our tariff.
You can choose between Standard Rate Card or Frequent Trader Rate Card
as per your trading volume. Or if you wish to hold your Bonds in Demat
form you can choose Bond Rate Card.
Account Opening Form to Open Securities Account

Resident Non Corporate Account Opening Form

Resident Corporate Account Opening Form

NRI Account Opening Form

Declaration Cum Undertaking Form for NRI Repatriable Account

Checklist for Filling NRI Demat Account Opening Form

* Submission of Passport and Valid Visa Copy is mandatory for NRI

Customers for opening a Depository Participant (DP) Account with effect
from 7th May 2007

Account Opening Form to open Commodities Account in NSDL

Resident Non Corporate Account Opening Form

Resident Corporate Account Opening Form

Clearing Member Account Opening Form

Note : The DP Client Agreement on pg.7 of the form should be franked

with stamp duty applicable to the state mentioned in the correspondence
address.

DP account number will be intimated by by e-mail if the mail-id is written

on the application form or by Courier or by post.

Account Opening Form to open Commodities Account in CDSL

Resident Non Corporate Account Opening Form

Resident Corporate Account Opening Form

Clearing Member Account Opening Form

For NRI’s
No approval from the Reserve Bank of India (RBI) is required for opening
a Depository Participant (DP) Account. However, if you do not hold any
shares at the time of opening the account, please enter in the account
opening form as follows:

1. Submission of Passport and Valid Visa Copy is mandatory for NRI

Customers for opening a Depository Participant (DP) Account with effect
from 7th May 2007

2.RBI reference no: No Holdings

3.RBI approval date: Present date

If you hold shares that were allotted in the primary market (under the
Direct Investment Scheme), please enter in the account opening form as
follows:

1.RBI reference no: Under General Permission

2.RBI approval date: Present date

If you are providing your foreign address as your address of

communication. NRI rate card will be applicable to you. Else you can open
account in Standard Rate Card.

NRI Investments are classified on the following basis:

1. Repatriability and

2. Mode of investment

A. Repatriable Repatriable funds (i.e. those which can be taken abroad)

need to be kept in a separate bank account, i.e. NRE Bank account.
Typically, funds brought in from abroad are permitted in such an account.
Investments made from such funds can be repatriated, i.e. proceeds from
sale or otherwise from such investments can be taken abroad. Such
investments are maintained in a Repatriable Demat account.

B. Non-repatriable Non-repatriable funds (i.e. those which cannot be taken

abroad) need to be kept separate from repatriable funds in a separate bank
account i.e. NRO Bank account. Investments made from such funds cannot
be repatriated, i.e. proceeds from sale or otherwise from such investments
cannot be taken abroad. Such investments are maintained in a Non-
Repatriable Demat account. Money once transferred from NRE account to
NRO account loses its repatriability and hence, cannot be transferred back
to NRE account.

Mode of Investment :

A. Portfolio Investment Scheme (PINS)

Portfolio Investment Scheme (PINS) is a scheme of the Reserve Bank of

India (RBI) under which the 'Non Resident Indians (NRIs)' and 'Person of
Indian Origin (PIOs )' can purchase and sell shares and convertible
debentures of Indian Companies on a recognized stock exchange in India
by routing all such purchase/sale transactions through their account held
with a Designated Bank Branch . The Designated Bank maintains a record
of all investments done under PINS (PINS portfolio).
 B. Non - PINS

Any investment other than under PINS is Typically, this includes:

1. Subscription to Primary market offerings (IPOs)

2. Investments made when resident in India.

3. Investments in Mutual funds

4. Investments in derivatives

5. Gifts and Inheritance

Deciding Combination :

You may have to open demat accounts of a specific combination if you

already hold physical shares in that combination. The physical shares can
be converted into electronic form in your demat account by submitting the
certificates along with a demat request form. You should also open the
required combination under the correct type of demat account :

PINS NRE : For shares acquired earlier under PINS on repatriation basis.

PINS NRO : For shares acquired earlier under PINS on non-repatriation

basis.

Non-PINS NRE : For shares acquired earlier other than under PINS on
repatriation basis.

Non-PINS NRO : For shares acquired earlier other than under PINS on
non-repatriation basis and also when 'Resident' in India.

Revised Depository Service Charges for residents retail customers and corporates
w.e.f 01/11/2006

Charge Head Standard Frequent/Sub-brokers

Charges Charges
A/c Opening Nil Nil
Annual Service Charges Rs. 500/- (Rs Rs. 1250/-
450/- for
customers
receiving
statements by e-
mail )
(Rs 1200/- for customers receiving
statements by e-mail )
Agreement Stamp Paper Rs. 100/- Rs. 100/-
Buy - Market and Off-Market Nil Nil
Sell - Market and Off-Market (%
of transaction value of each ISIN)
– Max. Rs. 500 for debt
instruments
For trade done on Nil Nil
www.icicidirect.com
For instruction submitted 0.04% (Min. 0.02% (Min. Rs. 5/-)
through Internet (e-instructions) Rs. 10/-)
For instruction submitted 0.04% (Min. 0.02% (Min. Rs. 10/-)
through Call Centre (e- Rs. 15/-)
instructions)
For instruction submitted 0.04% (Min. 0.02% (Min. Rs. 15/-)
through Branches Rs. 30/-)
Rejection/fails Rs. 30 /- Rs. 15/-
Extra charges for processing of
instructions submitted on the
execution date late (accepted at
Client's risk)
For instruction submitted Nil Nil
through Internet (e-instructions)
For instruction submitted Nil Nil
through Call Centre (e-
instructions)
For instruction submitted Rs. 10/- per Rs. 10/- per ISIN
through Branches ISIN
Dematerialisation
For each request form Rs. 35/- Rs. 35/-
Extra for each certifcate Rs. 2/- Rs. 2/-
Rematerialisation (For each Rs. 20/- Rs. 20/-
request form)
Closure of Account Nil Nil
Pledge
Creation/Closure/Confirmation/
Invocation
(% of value for each ISIN in each
request)
If ICICI Bank is the counter 0.02% (Min. 0.02% (Min. Rs. 15/-)
party Rs. 15/-)
If ICICI Bank is not the counter 0.04% (Min. 0.04% (Min. Rs. 30/-)
party Rs. 30/-)
Additional Account Statements Rs. 20/- Rs. 20/-

NSDL charges are chargeable extra at actuals. Present NSDL Charges are :

Sell - Market and Off- Rs. 6/- per debit instruction (nil for
Market commercial paper & short-term debt
instruments)
Remat Rs.10 for every hundred securities or
part thereof ; or a flat fee of Rs.10
per certificate whichever is higher.
Pledge Creation Rs. 25/- per instruction
Conditions:

The value of shares and charges is calculated as per NSDL formula and rates.

There will be a charge of Rs. 100/- for dishonor of any cheque or unsuccessful
attempt to recover payment through direct debit or ECS. The depository services
are liable to discontinuation if ICICI Bank is unable to recover charges from the
customer for any reason whatsoever. In such cases there will be a charge of Rs.
250/- for resumption of services and the services will be resumed after a minimum
of three working days from the date of receipt of request at Central Processing
Office, Mumbai.
 Any service that is not indicated above will be charged separately as per the
rates applicable from time to time.

ICICI Bank reserves the right to revise the tariff structure from time to time,
with notice of 30 days. The notice may be given by ordinary post or by an
advertisement in a national daily.

If the Demat Account is closed during the year, no pro-rata refund of Annual
Service Charge will be made.

There are two options for the recovery of demat service charges:

Customers who have only a depository relationship with ICICI Bank, will be
required to pay an advance fee for each Demat Account, which will adjusted
against service charges.The customer will also undertake to replenish the balance
immediately when it falls below the threshold amount, as specified below :

Standard Frequent/Sub-brokers

Advance Amount Rs. 2,500/- Rs. 7,500/-

Threshold Amount Rs. 1,000/- Rs. 2,000/-

Option:2 Customers who have a banking relationship with ICICI Bank will provide
a debit authorization for recovery of charges.
 DATA ANALYSIS & INTERPRETATION

Q.1 Are you aware with the term Market

and securities?
10%

Yes
No
90%

Inference: It was found that mostly 72 individuals were aware with the
term market and securities. Whereas 8 of the total 80 respondents are not
aware due to improperly awareness about the fact of trading in securities.

Q.2 If yes, Do you deal in the market securities?

18% 82%
Yes
No

Inference: - From the positive reply holders of 72 respondents, 59 agreed

that they prefer to deal in the market securities, shares and bonds. Again 13
of them told us that they do not trade in market securities.
 Q.3 If yes, have you listen the name of ICICI Bank
(ICICI Direct.com)and traded with it?
50
40 44
Respondents

30
Ratio

20 15
10
0
Yes Responses No

Inference: - Out of the total 59, 44 individuals are very well aware with the
trading and dealing in securities with ICICI Bank (ICICI Direct.com) and
are keen to open De-mats accounts with the company. 15 of the total
respondents have said no.

Q.4 What perspective do you think regarding ICICI

Bank, a leading Financial services organization?
18% 5%

77% Suitable
Fair
Unsuitable

Inference – When further asked with the 44 respondents about the

perspective of the ICICI Bank, near about 34 find it suitable for all the
trading activities in share market and securities. 8 found fair whereas 2 of
the individuals found it unsuitable as they used to trade with their
individuals brokers.
 Q.5 How do you trade in the market:
Broker
14% 27%
5%
ICICI Bank

Agent
54%
Other investment
and securities firm

Inference: - It has been significantly noted that the fact regarding trading
how the respondents actually trade in the shares and securities. 24 of the
individuals are involved with ICICI Bank (ICICI Direct.com), 12 of them
are through their one of the other brokers, 6 of them with other investment
and securities and rest 2 with their agent.

Q.6 Are you aware with the term

Dematerialization of accounts?

21%

Yes
No
79%

Inference: - From the known respondents of 72, it has been inferred that 57
of them are known with the term Dematerialization of the accounts as it is
very important in today’s life for one to deal in the stock market. Rest 15
individuals are quite unaware or less aware and need to be guided them
properly so that they may be to deal systematically in their securities via
ICICI Bank.
 Q.7 Have you opened your De-Mat account while trading
with securities?

13, 23%
Yes
No
44, 77%

Inference: - Out of the 57 respondents who are aware with the term of
Dematerialization of the accounts, 44 individuals have already or opened
their accounts with us for their safe, secure and return growing investment
trading. Still 13 of the individuals have not opened their accounts but
positively they will open their accounts.

Q.8 Do you wish to open De-Mat accounts with ICICI Bank

which takes care of your all-financial services to the
maximum satisfaction of yours?

15%
35% Yes
50% No
later

Inference: - When enquired from 72 respondents that they wish to open the
De-mats accounts with ICICI Bank for themselves or for their near ones
who is interested in trading in securities, 11 individuals agreed to open
their accounts. 36 said later because they have already opened their
accounts. 25 said no as they have open their accounts with one or other
firms dealing in securities.
 Q.9 If you haven’t traded in your life, do you wish to learn and
join the world of market securities and investment with risk
free through ICICI Bank (ICICI Direct.com) Money?

17%
Yes
83%
No

Inf
erence: - We asked with the respondents who were unaware with the term
market about if they wish to look forward positively for risk and hassle free
investment and want toget the accurate information which can emerge the
trading power in them via ICICI BANK (ICICI Direct.com), we receive
83% of the total respondents who said yes, whereas 17% preferred no as
this field is not their cup of the tea.

Q.10 Where you preferably invest your money besides

securities?

40 34
30
20 16 20 18
10
0
und ) e s
l F B/ CA
ur anc C /RD
a /S
utu FD Ins F/N
S
M k ( In P
In Ba
n In
P
In

Inference: -Besides securities entire 60 respondent’s preferences to invest

in the following one or more of the financial services: -
In Mutual Fund  16 In Insurance  20
In Bank (FD/SB/CA)  34 In PPF/NSC/RDs  18
 Q.11 Do you agree that to beat inflation and sustain in the
Indian economy one has to invest his hardcore money in
the high return generating scheme or plan where he can
avail many benefits in a cost of one?

6%

Yes
No

94%

Inference: - it has been a group positive reply regarding if to sustain in the

world of inflation one has to make investment which gives high return so that
they can be able to meet their future requirements of their near ones with ear
and comfort. People are now more inflation conscious and feeling that to beat
the inflation one has to secure his future funds and to get potentially higher
returns to sustain wealthy.
 LIMITATIONS
The following are the limitations as were found during the project:

a) People are not enough professionally sound to be the part of the

organization in delivering quality service to customers. They are under aged
and failed to deliver what the customer wants from them in making out a
solution to the problems.

b) There is a limitation faced by ICICI BANK that despite earning a good

brand name in the baking sector era, still people hesitate to open their Demat
Accounts on a private banking institution. Although this limitation is
eradicating due to well promotion by the ICICI BANK.

c) Lack of knowledge of company policies and procedures create a great

mess to the personnel working therein which is the result of inadequate training
and development to the working persons.

d) There is an also a limitation that an individual has to wait for a fairly

considerable time for his services of trading.

e) If a file is declined then an individual cannot logged his same file for the
further 6 months.
 SWOT ANALYSIS
Strengths: -

1. A Big brand name of ICICI Bank.

2. Reliable customer service, better communication modes making it to

acquire huge customer base.

3. A private bank with the Largest satisfied customers in its quota.

Weaknesses: -

1. Delay in handling queries.

2. Often delay in opening of Demat accounts

3. Risk of losing customers due to cut throat competition by not providing

quality services as expected by customers.

Opportunities: -

1. Demat Accounts can be captured more to the potential investors who

generally trade via brokers ort local authorities and by making them aware with
the fact.

2. Growing competition but slowly.

Threat: -

1. Enhancive competition with augmentation of new banks e.g. Centurion

bnak of Punjab and by existing ones such as IDBI, HDFC, CITI Bank, SBI.
 CONCLUSION

Training under a prestigious organization like ICICI BANK was more of a

knowledge based experience where I came to understand and realize the

working under corporate environment and with team efforts.

I came to realize the application of my managerial studies and come to a

conclusion that training is an essential curriculum of the managerial studies

and one must go through for his clear understanding of the topics he/she

undertook in his previous years of the management course.

The basic objective of my training was to analyze the Procedure of

sanctioning of Demat accounts services as conducted by ICICI bank and its

services with respect to trading in securities via ICICI Direct.com and

Dematerialization of accounts and what the customer of today perceive for

our services. What significant was the name of the ICICI upon which

people are now imposing their trust and confident and feeling secure in

dealing with ICICI.

 RECOMMENDATIONS
Following can be given as suggestions for the upliftment of the company
future growth and successive track over other competitors:

• There should be a systematic way of documentation and dealing in the

matter of opening of Demat accounts with customers.

• ICICI BANK should develop its staff to inculcate to solve grievances of

customers as early as possible and therefore emphasis should be given to
Training & Induction of employees and orientation towards coming scenario
and industrial trends.

• There should be proper handling of customer grievances as well as his

deposits and withdrawal requests should be met as prompt desired.

• A regular track on his performance in making the payment of

installations by the customer as well as to facilitate in troubles due course of
guidance and support so that he may not feel isolated in grief.

• A regular reminder must be send by the company to review his account

performance to him.
 QUESTIONNAIRE

Name: - …………………………………………………

Age: - ………………………………………………………

Contact No.: ……………………………………

Location:- ………………………………………………………..

Q.1 Are you aware with the term Equity Market and securities?

a) Yes 

b) No 

Q.2 If yes, Do you deal in the market securities?

a) Yes 

b) No 
Q.3 If yes, have you heard the name of ICICI BANK (ICICI Direct.com) and
traded with it?

a) Yes 

b) No 

Q.4 What perspective do you think regarding ICICI BANK, a leading Financial
services organization?

a) ___________________________________________________________

b) ___________________________________________________________

c) ___________________________________________________________

Q.5 How do you trade in the market:

a) Via Broker , Name it____________________

b) Via agent 

c) Via ICICI BANK 

d) Via Other investment and securities firm 

Q.6 Are you aware with the term Dematerialization of accounts?

a) Yes 

b) No 
Q.7 Have you opened your De-Mat account while trading with securities?

a) Yes 

b) No 

Q.8 Do you wish to open De-Mat accounts with ICICI BANK Securities which
takes care of your all-financial services to the maximum satisfaction of yours?

a) Yes 

b) No 

Q.9 If you haven’t traded in your life, do you wish to learn and join the world of
market securities and investment with risk free through ICICI BANK?

a) Yes 

b) No 

Q.10 Where you preferably invest your money besides Equity Market

a) In Mutual Fund 

b) In Insurance 

c) In Bank (FD/SB/CA) 

d) In PPF/NSC/RDs 
Q.11 Do you agree that to beat inflation and sustain in the Indian economy one has
to invest his hardcore money in the high return generating scheme or plan where he
can avail many benefits in a cost of one?

a) Yes 

b) No 

Yours Valuable Suggestions

1.………………………………………………………………………………

2.…………………………………………………………………………….

3……………………………………………………………………………….

4. ……………………………………………………………………………

SHEETAL KUMAR JAIN

ICICI BANK
 BIBLIOGRAPHY
BOOKS

1. Kothari, C.R. Research Methodology & Management, 4th Edition, 05

2. Pillai R.S.N. & Bagavathi, “Management Accounting,“ S.Chand &

Company Limited, Eight Edition.

3. Kotler Philip, Marketing Manager, 5th Edition, 2006

MAGAZINES:

a) Business World, “ICICI Bank Trading Bullish”2007, May

b) ICICI Brochures

MEDIA: -

a) The Economics times, Indian Banking on a rise, 2006, May

REFERENCES

WEBSITES: -

a) www.icicibank.com

b) www.ibef.org

c) www.ciionline.com

d) www.sebi.org