A tour of what we are

Dedicated to financial education

MAN DAYS TRAINED HABSG Consulting, Mumbai, is formed by Akhilesh Gururani who is a Chartered Accountant by education. It comprises of a panel of consultants who specialise in financial education domain and are based at different locations across India.
Man Days 10000 8000 6000 4000 2000 0
2004 2005 2006 2007 2008 2009

Linear (Man Days)

All the consultants of HABSG Consulting have more than 8 years experience in financial education .The only interest that binds them together is their passion for educating people and their devotion to the cause of increasing the financial awareness in the country.

TRAINING MIX - 2009 10% 15% 5% 10%

Mutual Funds Debt Equity

It does not carry on any commercial activity related to distribution of financial products and financial planning, and has no conflict of interest with the participants it educates and the companies for whom it provides learning solutions.

60%

Derivatives Others

Client- additions
50%

As a matter of policy it does not solicit work and hence does not market itself in any form or via any medium.

40% 30% 20% 10% 0% 2005 2006 2007 2008

Consulting to develop financial educational framework

The success of the Asset Management Business, like any financial service business, anywhere in the world, depends completely on the quality and efficiency of the human capital employed. The world of financial services is rapidly changing, with far more rapid changes being observed in developing nations like India. The changes not only pertain to the way services are being sold to the investors, but also to the introduction of new and complex products, widening of the underlying products managed under the portfolio, changes in the valuation and other regulatory guidelines. These changing business dynamics, along with competition driven needs, demands greater financial knowledge from the employees and make it necessary for businesses to take steps towards adopting employee learning initiative as the most important support functions. One such step is developing, adopting and adhering to a structured learning curriculum for the employees involved in the sales and operational domain of the organization. Terms of reference The objective of this consulting is to develop a comprehensive document which provides for the following : Employees profiling in terms of the skill sets required for their respective jobs. Developing the learning curve for employees at various levels in the organization.

Designing a practically relevant curriculum for each stage of the curve.

Developing detailed docket for each program under the curriculum. Suggesting an effective approach (in terms of a tradeoff between time and efficiency) to conduct a training for the employees of the organization.

Framework Model cycle

Employee profiling

Delivery and Assessment

Desired knowledge matrix creation

Creation of learning curve

Curriculum creation as per matrix

Financial Trainings
An important business challenge for the Indian Financial Service Sector is to increase the proportion of retail assets under management by growing the base of retail customers by broad basing their geographical distribution. This requires building innovative and sustainable sales and distribution channels based on sound incentive structures. This in turn requires a sustained focus on continually building front-end capacity, knowledge and skills at various levels, for different needs, and at multiple locations. Challenges

Training inputs may involve a variety of key audiences including i. intermediaries (banks, other third-party distributors, individual agents),and ii. customers (retail, HNI, institutional)
The training may be required periodically in step with market developments and emerging business strategies and whenever there is a specific need like while launching new products. Since distributors and customers are based across various locations, training should be locally delivered for convenience as well as to lower direct expenses and opportunity costs. In this context, training should also be delivered simultaneously across multiple locations to reduce time to market the new products.

A Bank, an AMC or an Insurance Company or a financial education provider will need to devote substantial ongoing attention and resources on review and actions related to training and HR needs and will face a number of concerns and challenges.

Financial Trainings
Most important concern is constant evaluation of knowledge gaps in the employees and associates at various levels and development of learning processes and solutions to fill these gaps. HABSG consulting aims to provide solutions in response to these needs. Challenges

The quality of training should be standardized and each person should face a similar training experience across locations.
The training should be delivered in local languages for greater effectiveness. The curriculum and content should be dynamic, customized and suitable for a specific audience. In addition, the delivery format, tone and instructor capability should be appropriate for each type of audience and curriculum. The training should be cost-effective without compromising on quality. The training should be easy to coordinate, monitor and evaluate.

Learning Modules
Learning Series 1
Derivatives Basics Markets

Debt Tax

Funds

Learning Series 2

Advanced Debt Advanced Equity

Structured Products

Trading Strategies

Financial Planning

Training Model

Assessment

Post training test and feedback

Customized Content Development

Delivery

Pre training Test

LEARNING MODULES Basic

These modules are meant for beginners, who have no knowledge of finance and financial comments.

These modules aim at providing market orientation to the beginners.

BASICS

Level 1

MARKETS

Level 2

These are customized modules for various aspects of fund management , comparison, sales and accounting. FUNDS

This a comprehensive module on tax for individuals and various investment products, focusing specially on planning. TAX

Level 3

Level 4

A complete module on debt markets in India ,difference among various debt funds and application for investors. DEBT

Beginners module on derivatives . Focuses on forward contracts, futures and options, their payoffs and hedging strategies. DERIVATIVES

Level 5

Level 6

Detailed Modules - Funds

Mutual funds - Basics
AMFI Mutual Fund Curriculum All about Debt Mutual Funds All about Equity Funds

Mutual Funds - Advanced

Reading fact sheets Special Funds ( FoF, ETF, Oriented towards capital protection, GOLD ETF and FMP) Funds and Financial Planning

Mutual Funds Tax Aspects

Tax aspects and planning Choosing options for tax planning Tax for NRIs and corporate

Valuations norms
Debt Funds and volatility Valuations norms for Equity Funds Understanding Investments by funds

Detailed Modules - others

Markets
Economic indicators, infrastructure and growth factors Debt Markets and Mutual funds Equity Markets

ULIPs
Basics of Risk and Insurance Basics of ULIPS ULIPs and Financial Planning

Taxation
Taxation for individual investors About section 80 C of Income Tax Act,1961 Growth option, Dividend Option and Reinvestment Option - Choice from tax point of view

Financial Planning
Basics of Financial Planning Planning for affluent investors Asset allocation and diversification

Ratios and calculation

Financial ratios and mutual funds Use of excel for financial calculation

Derivatives
Basics of Futures and option Advanced Derivaives Commodity derivatives

Performance evaluation and risk measurement.

Structured Products and PMS

Our Belief :Each learner is different

Most of the group learning initiatives remain ineffective because of the heterogeneous nature of the group of learners. HABSG consulting has taken initiative to ensure that participants are homogeneous in nature. For these purposes , a lot of pre-training learning contents are developed . The participants can go through these programs via many medium like elearning, audio cassettes or PowerPoint presentations Otherwise as well, HABSG consulting is actively involved in making easy e-learning contents for various entities
Class room training
Pre- class room training education through e-learning or CD mode

Final Test

Learning Process

Assess ment test

Typical learning process model to make the group homogeneous

Areas of expertise.
Content for E-learning Modules

Content for Train The Trainer Programs Faculty Guide

A presentation with trainer notes or detailed explanations attached

Technical review :Question papers , For Chartered Insurance Institute , UK

Three year in a Row

Mutual funds by Akhilesh

HABSG CONSULTING

Book on Mutual Funds titled Mutual Funds by Akhilesh

BOOK

Sold more than 50,000 copies !

Published in 2006

Fact files and booklets

CII Fact Files on Mutual Funds In India, for

Chartered Insurance Institute , UK FACT FILE

CII

Fact Files on ULIPS In India, for Chartered

Insurance Institute , UK
FACT FILE

WILLEY AND SONS.

HABSG CONSULTING

Ghost writing for a book on Derivatives,

for Willey and sons, Singapore BOOK

Book on Debt Markets and Mutual Funds

BOOK

RELIANCE MF A mini Book on the Advanced Debt markets , for Reliance Mutual Fund
DEBT

RELIANCE MF A mini book on Derivatives , for Reliance Mutual fund

DERIVATIVES

Clients
Reliance Capital Asset Management Ltd. Franklin Templeton Asset Management (I) Pvt. Ltd. ABN AMRO Asset Management (I) Ltd ICICI Prudential Asset Management (I) Ltd. UTI Asset Management Company Limited ABN AMRO Bank Ltd Deutsche Asset Management India Pvt. Ltd Standard Chartered Asset Management Pvt. Ltd HSBC Asset management India Pvt. Ltd. Optimix Technologies Ltd. Principal PNB Asset Management Co. Pvt. Limited HDFC Asset Management Ltd Fidelity Fund Management Private ltd DSP Merrill Lynch Fund Managers Ltd. Tata Asset Management Limited Kotak OM life Insurance Ltd

Thank you

HABSG Consulting, Mumbai. + 91 98923 70286 + 91 22 28675782

akhilesh@habsgconsulting.com

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