Part -1

OVERVIEW OF INDIAN SECURITIES MARKET

Investments an Overview
What is an Investment ?
The money you earn is partly spent and the rest saved for meeting future expenses. Instead of keeping the savings idle you may like to use savings in order to get return on it in the future. This is called Investment.

What is an Equity/Share?
Total equity capital of a company is divided into equal units of small denominations, each called a share. For example, in a company the total equity capital of Rs 2,00,00,000 is divided into 20,00,000 units of Rs 10each. Each such unit of Rs 10 is called a Share. Thus, the company then is said to have 20,00,000 equity shares of Rs 10 each. The holders of such shares are members of the company and have voting rights.
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Market Intermediaries
Securities Markets do not work in vacuum , they require the services of a large number of Intermediaries who act as agents to help the buyers and sellers in sale /purchase of securities for a commission . It is a risk less Intermediation where the risk is borne by the buyer or seller .

Regulators (SEBI,DCA,DEA,RBI)

Stock Exchanges

Depository

Stock Brokers / Sub brokers

Depository Participant (DP)

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Equity Market
What is meant by a Stock Exchange?
The Securities Contract (Regulation) Act, 1956 [SCRA] defines Stock Exchange as any body of individuals, whether incorporated or not, constituted for the purpose of assisting, regulating or controlling the business of buying, selling or dealing in securities .

Stock Exchanges in India

Stock Exchange could be a Regional stock exchange whose operation /Jurisdiction is specified at the time of its Recognition or National stock Exchange which are permitted to have nationwide trading since inception Eg. NSE .

Bombay Stock Exchange ltd (BSE) Delhi Stock Exchange (DSE) Calcutta stock Exchange Madras Stock Exchange ltd

Pune Stock Exchange ltd Ahemdabad Stock Exchange Association ltd Jaipur Stock Exchange ltd etc

Major Exchanges :

NSE & BSE

What is an Index?
An Index shows how a specified portfolio of share prices are moving in order to give an indication of market trends. It is a basket of securities and the average price movement of the basket of securities indicates the index movement, whether upwards or downwards.

Example: NIFTY, SENSEX

Market Segments
Primary Market
Is a part of Capital Markets that deals with issuance of new securities e.g. Companies, governments or public sector institutions can obtain funding through the sale of a new stock or bond issue . IPO (Initial Public Offering) Is the process of Issuing new stocks .

Secondary Market
Investors purchase securities from another Investor rather than rather than the issuer subsequent to original issuance in primary Market .

Market Regulators :
The responsibility of Regulating the Securities Market is shared by Department of Economic Affairs (DEA) ,Department of Company Affairs(DCA) , Reserve Bank of India (RBI) & Securities and Exchange board of India ( SEBI)

Stock Broker
Are Intermediaries who are allowed to trade in securities on the exchange of which they are members ,they buy & sell stock on their own behalf or on the behalf of their clients . They charge nominal fee / commission called brokerage from their clients for both buying & selling activities. All transactions carried out on exchange are done through brokers only . Brokers maintain basic information about their clients like name , PAN ,contact Information, bank & demat account details etc .

Depository

Depositories act defines 1996 defines a depository to mean a A company formed & registered under Companies Act ,1956 which has been granted a certificate of registration Under subsection (IA) of the section12 of the Securities & Exchange Board of India Act 1992 It is like a bank wherein the deposits are securities (viz. shares, debentures, bonds, government securities, units etc.) in electronic form.

Functions of a Depository
y y

Dematerialization of Securities in depository form Maintenance of ownerships of securities in book entry form electronically without making securities move from one person to another Making securities of Public limited companies freely transferable subject to certain restrictions
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Depository Participant (DP)

A Depository does not directly open accounts &provide service to the clients ,it opens such accounts through its Depository participants (i.e. An agent of depository). A Depository participant( DP) is an entity who is registered as such with SEBI under the provisions of SEBI Act. As per provisions of this act a DP can offer depository related services to the clients

after obtaining certificate of Registration from SEBI

Dematerialization
Dematerialization is the process by which physical certificates of an investor are converted to an equivalent number of securities in electronic form and credited to the investors account with his Depository Participant (DP).
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Account Types
Trading Account
Is a broker account through which an investor can buy or sell securities in the secondary market .

Demat Account :
Is a type of banking account which dematerializes paper-based physical stock shares in order to avoid physical holding of shares .It is opened with the depository (NSDL/CDSL)through a registered Depository participant .

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Derivatives

Trading in derivatives of securities Commenced in June 2000 Derivative is a product whose value is derived from the value of one or more basic variables, called underlying. The underlying asset can be equity, index, foreign exchange (forex), commodity or any other asset.

Types of Derivatives
  

Forward contracts Future contracts Options & swap

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Derivative contracts
Futures Contract Traded on exchange Standardized & organized Have standard delivery time and place Very high liquidity Clearing Corporation / House of concerced exchange gives the guarantee of settelement of such contracts Eg Nifty Index Options
An Option is a contract which gives the right, but not an obligation, to buy or sell the underlying at a stated date and at a stated price. While a buyer of an option pays the premium and buys the right to exercise his option, the writer of an option is the one who receives the option premium and therefore obliged to sell/buy the asset if the buyer exercises it on him. Call option: Gives the buyer a right to buy the underlying asset i.e. Index or a stock at a specified price on or before a specified date Put Option : Gives the Buyer a right to sell at a specified price on or before a specified date
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Equity Cash & Equity Derivative

Cash (i) Intraday Transaction :
Mr X buys 10 shares of Reliance Industries on 24.05.2011 at price Rs 915 per share & sells all 10 shares on same day at price Rs 920 Intraday profit =(10*920) (10* 915)= Rs50* (ii) Delivery Transaction :

Future & options (i) Futures

Mr X( A speculator) Buys one contract of Reliance Industries on 23.05.2011 which is trading at Rs 915 both on cash & derivative market on this date ( assumed for this example only ) . If the derivative contract size being 250. If X buys one contract ( having trading cycle of 3 months ) of Reliance Industries , He is buying Reliance futures worth = 250*915= Rs 228750 Say margin required for this contract = 16 % For this he will have to pay a margin of 16% = 16% of Rs 228750 = 37000 .

Mr X buys 10 shares of Reliance Industries on 16.05.2011 at price Rs 915 per share & sell all 10 shares on 19.05.2011 at price Rs 925 Delivery profit = (10*925)-(10*915)=Rs 100*

If he had invested Rs 37,000 in cash he would been able to purchase only = 37000/915= 40 shares .

* Brokerage and other charges need to be taken into consideration in each buy / sell transaction (continued..

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Future & options

Let us say after one month i.e. on 24.06.2011 the price of Reliance Industries Moves up by Rs 15, i.e. to Rs 930. With Rs 3,7,000 investment , profits in cash & future Market would be : (930-915)*250 =Rs 3750 in case of futures Market (930-915)* 40 = Rs 600 in case of cash Market ( ii) Options a) Call option -Suppose Mr X buys a call option of 250 shares of RIL at a strike price of Rs 950 per share at a premium of Rs 10 , it gives Mr X the right(but not obligation) to 250 shares from the seller of option on on before the expiry of the option & the option seller has obligation to sell 250 shares of RIL at Rs 950 on or before the expiry date b) Put option - Suppose Mr X has sold a put option of RIL of 250 shares at strike price of Rs 900 & premium of Rs 10 , this gives Mr X an obligation to buy 250 shares of RIL at price of Rs 900 on before the expiry date of the contract ie as & when asked by the buyer of the put option,
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Commodity
Commodity Futures are contracts to buy specific quantity of a particular commodity at a future date. It is similar to the Index futures and Stock futures but the underlying happens to be commodities instead of Stocks and indices.
y

It is quite similar to Equity derivatives

Low Margin percentage allows a higher Leverage

The Market dynamics of commodities is based upon demand -supply position of underlying commodity of the derivatives contract , it may be affected by seasonal changes , hence the volatility across commodities is quite predictable

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Commodity Market
Market Regulators
Commodity exchanges are regulated by Forwards Market Commission (FMC); Forwards Market Commission is under the purview of the Ministry of Food, Agriculture and Public Distribution. What is Commodity Exchange? A Commodity Exchange is an association, or a company of any other Body corporate organizing futures trading in commodities Major Commodity Exchanges of India
y y y

Multi-Commodity Exchange of India Ltd, Mumbai (MCX). National Commodity and Derivatives Exchange of India, Mumbai (NCDEX). National Multi Commodity Exchange, Ahmedabad (NMCE).
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Currency
A currency future is a contract between a buyers & sellers where the value is derived from underlying asset i.e. currency Exchange rate . Benefits of Trading in Currency Futures
y

Low Margin Requirement enabling higher leverage Low volatility as compared to other derivative Instruments High Liquidity Risk Management Tool for Importers and Exporters

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Currency Trading
In Currency pair The first currency is called base currency & the second currency is called Term currency . The exchange rate tells the worth of base currency in terms of term currency . Eg. USD INR rate of 45 tells Rs 45 must be paid to obtain one USD . Currency Pairs Currently traded on Indian Market Exchange
y y y y

USD INR ( US Dollar Indian Rupee ) EUR IND ( Euro Indian Rupee) JPY INR ( Japanese Yen Indian Rupee) GBP INR( British Pound Indian Rupee)

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Currency Contract Specification

Underlying Trading Hours Size of Contract Price Quotation Tenor of Contract Available Contracts Settlement Mechanism Settlement Reference Rate Last Trading Date Final Settlement Date USD / INR( say) 9:00 AM to 5:00 PM Minimum Lot Size is US$ 1,000 In INR Maximum of 12 Months Monthly In INR RBI USD/INR Reference Rate Two working days prior to Final Settlement Date Last working day of month, except Saturday.

Note: The above product specification is as per the RBI-SEBI Standing Technical Committee Report on Exchange Traded Currency Futures
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Tick size Quantity Freeze Price operating range Client limit Calendar spreads Settlement Margin

Rs.0.25 paise or INR 0.0025 Above 10,000 +/-3 %(Tenure upto 6 months ) +/- 5% (Tenure greater than 6 months ) Higher of 6% of total open interest or USD 10 million Minimum Rs. 250/- per contract for all months of spread Daily settlement : T + 1 Final settlement : T + 2 Less than 4%

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ONLINE BUSINESS DIVISION NIRMAL BANG SECURITIES PVT LTD

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Introduction
Nirmal Bang Securities Pvt Ltd (Nirmal Bang) is amongst the top full-service broking firm established in the year 1989. It started as a small localised player and ultimately transformed into a diverse group in a span of 20 years. The company offers comprehensive range of products and services to meet the financial needs of its investors. It is solidly capitalized to meet the demands of retail clients and sufficiently caring to ensure that service is not compromised.

The Nirmal Bang group of companies were founded by Late Nirmal Bang,Dilip Bang and Kishore Bang. The group always believed in developing retail client network and had wide network of clients all over India. It started up the DP services and also added broking into commodities and insurance advisory services to diversify into allied activities.

Late Shri Nirmal Bang

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(Nirmal Bang E-Broking Access Terminal)

Highly sophisticated yet easy to operate trading platform meant for every kind of investor. Designed to suit the varying needs of different investors A fully automated platform, wherein the client can do all his investments Online

A 360 Online Investment Platform

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Business Model
Discount Broking Model
Has revolutionized the discount brokerage model by our value proposition.

Value proposition
Range of trading platforms for internet trading suiting the needs of various customer segment Exciting loyalty programs known as Free Mediclaim Insurance Policy which is unique in the industry World-class research & content from Nirmal Bang Research Team

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Unique Features & Benefits

Mediclaim Insurance Policy
Details will be available very soon.

20 Times Exposure on Cash Margin

Allowing you the Freedom to trade without hassles throughout the day without having to worry about your cash Margin . You can get exposure ( on cash segment ) as high as 20 times for Intraday Trades .

CRN

Unique Number which serves as a Single window for Instantaneous & Timely access to all Back office Information on Screen . Clients can view all the back office report ( I.e. of Equity , Commodity , Depository & PMS Accounts as well Mutual Fund Investments ) as of their as well as their family members .

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NBEAT Trading Platforms

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PRODUCT FEATURE NBEAT -SIMPLE

y y y y y y

Account Activation charges Rs.299 /Minimum cash or stock margin Rs.5000/No software installation required. Easily accessible on browser Trade online and over phone Integrated DP; Back office & Trading Account NSE cash segment, NSE F&O, BSE ,CDNSE and NCDEX, on single platform

y y

Invest in IPOs and MFs online Online Transfer of Funds through multiple banks
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NBEAT SIMPLE
NBEAT SIMPLE: A Browser based trading platform that is easy to navigate with
advanced stock trading features. Customers can get quotes, trade, manage their accounts all from a single platform.

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NBEAT - SUPER
Account Activation charges Rs.499/Minimum cash or stock margin Rs.5000/No software installation required. Easily accessible on browser Trade online and over phone Real-time streaming quotes Alerts Hot key function Integrated DP; Back office & Trading Account NSE cash segment, NSE F&O, BSE ,CDNSE & NCDEX on single platform Invest in IPOs and MFs online Online Transfer of Funds through multiple banks
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SUPER: An Applet based trading platform, providing access to live streaming quotes, multiple market
watch, message window and trading window, all in one screen, to help customers track individual stocks and make timely trades when investing online.

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NBEAT SUPERB
Account Activation charges Rs.999/Minimum cash or stock margin Rs.10000/Trade online and over phone Real-time streaming quotes Alerts Hot key function Traders terminal on your desktop Technical charting (Intra-day and EOD) Derivative chains, Futures & Options calculator Integrated DP; Back office & Trading Account NSE cash segment, NSE F&O, BSE,CDNSE and NCDEX on single platform Invest in IPOs and MFs online Online Transfer of Funds through multiple banks
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SUPERB: For active traders. Launches directly from the trader's desktop
and offers advanced charting capabilities, technical analysis allowing them to execute a quick & better trading decisions.

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Existing Banking Gateways

Online payment Gateway

More yet to come

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www.Nirmalbang.com

y y y y y y y y y

Technical Charting IPO Research Tools Mutual Funds Portfolio Management Services Commodities Research Tools Research Services Basic Tools for the end customer Company Fundamentals Back Office

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Brokerage Plan & Add on Schemes

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NBEAT Base Plus

Scheme
Name Charge `

Brokerage Rates
Intraday % Delivery % Futures % Options

Base- Plus

500

0.05

0.50

0.05

Higher of 1% /Rs 50

The validity period for the above mentioned scheme would be 6 months from Activation of scheme. At the end of calendar month scheme charges paid are reversible during the tenure of scheme only against the brokerage generated; and are not refundable in any other condition. Applicable taxes, duties and other charges shall be charged extra from specified brokerage rate. Minimum brokerage per share would be 1 paisa. No minimum brokerage per trade or contract will be charged. Next years DP maintenance charge of Rs 250 would be forfeited on renewal of scheme. Nirmal Bang Securities Pvt. Ltd. reserves the right to change / discontinue the scheme at any point of time.

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NBEAT ACE Copper

Scheme Brokerage Rates

Name

Charge `

Intraday %

Delivery %

Futures %

Options

Ace - Copper

2,000

0.030

0.30

0.030

Higher of 1% / Rs 50

The validity period for the above mentioned scheme would be 12 months from Activation of scheme. At the end of calendar month scheme charges paid are reversible during the tenure of scheme only against the brokerage generated; and are not refundable in any other condition. Minimum brokerage per share would be 1 paisa. No minimum brokerage per trade or contract will be charged. After the expiry of the validity period of scheme it shall be renewed on the terms and conditions applicable at that time Nirmal Bang Securities Pvt. Ltd. reserves the right to change / discontinue the scheme at any point of time.

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NBEAT ACE Silver

Scheme
Name Charge ` 10,000

Brokerage Rates
Intraday % Delivery % Futures % Options

Ace - Silver

0.020

0.20

0.020

Higher of 1% / Rs 40

The validity period for the above mentioned scheme would be 12 months from Activation of scheme. At the end of calendar month scheme charges paid are reversible during the tenure of scheme only against the brokerage generated; and are not refundable in any other condition. Minimum brokerage per share would be 1 paisa. No minimum brokerage per trade or contract will be charged. After the expiry of the validity period of scheme it shall be renewed on the terms and conditions applicable at that time Nirmal Bang Securities Pvt. Ltd. reserves the right to change / discontinue the scheme at any point of time.

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NBEAT ACE - Gold

Scheme Brokerage Rates

Name

Charge `

Intraday %

Delivery %

Futures %

Options

Ace - Gold

20,000

0.012

0.12

0.012

Higher of 1% / Rs 30

The validity period for the above mentioned scheme would be 12 months from Activation of scheme. At the end of calendar month scheme charges paid are reversible during the tenure of scheme only against the brokerage generated; and are not refundable in any other condition. Minimum brokerage per share would be 1 paisa. No minimum brokerage per trade or contract will be charged. After the expiry of the validity period of scheme it shall be renewed on the terms and conditions applicable at that time Nirmal Bang Securities Pvt. Ltd. reserves the right to change / discontinue the scheme at any point of time.

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NBEAT ACE Titanium

Scheme
Name Charge `

Brokerage Rates
Intraday % Delivery % Futures % Options

Ace Titanium

40,000

0.010

0.10

0.008

Higher of 1% / Rs 20

The validity period for the above mentioned scheme would be 12 months from Activation of scheme. At the end of calendar month scheme charges paid are reversible during the tenure of scheme only against the brokerage generated; and are not refundable in any other condition. Minimum brokerage per share would be 1 paisa. No minimum brokerage per trade or contract will be charged. After the expiry of the validity period of scheme it shall be renewed on the terms and conditions applicable at that time Nirmal Bang Securities Pvt. Ltd. reserves the right to change / discontinue the scheme at any point of time.

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NBEAT ACE Platinum

Scheme
Name

Brokerage Rates
Intraday % Delivery % Futures % Options

Charge `

Ace Platinum

80,000

0.005

0.10

0.005

Higher of 1% / Rs 10

The validity period for the above mentioned scheme would be 12 months from Activation of scheme. At the end of calendar month scheme charges paid are reversible during the tenure of scheme only against the brokerage generated; and are not refundable in any other condition. Minimum brokerage per share would be 1 paisa. No minimum brokerage per trade or contract will be charged. After the expiry of the validity period of scheme it shall be renewed on the terms and conditions applicable at that time Nirmal Bang Securities Pvt. Ltd. reserves the right to change / discontinue the scheme at any point of time.

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NBEAT CHASE
Scheme CHASE-1 CHASE-2 Validity 6 Month 12 Month Charges Rs 5999 Rs 11999 Select

Daily Free Volumes

Segment NSE Cash BSE Cash NSE Currency MCX Currency NSE FUTURES NCDEX Commoditie s MCX Commoditie s

Jobbing/Der ivatives Delivery

100000 10000

100000 10000

50000 N.A.

50000 N.A.

100000 N.A.

100000 N.A.

100000 N.A.

Intraday/Derivative
Volume Brokerage Rate Upto 1 Lakh 0% 1 Lakh - 10 Lakh 0.035% 10 Lakh - 1Cr 0.025% 1 Cr 3Cr 0.020% Above 3Cr 0.015%

Delivery
Volume Brokerage Rate Upto 10000 0% 10000 - 1 Lakh 0.35% 1 Lakh 10 Lakh 0.25% 10 Lakh 30 Lakh 0.20% Above 30 Lakh 0.15%

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continue

Scheme charges are not refundable in any condition & will be charged on the day of activation of scheme. The validity period for schemes would be starting from Activation of scheme. Options volume is not considered in the scheme hence default brokerage rate would be applied. Brokerage will be charged slicing the volume in slabs mentioned in above chart. For example Derivatives / Jobbing volume of Rs 2500000 will attract Rs 700 brokerage (As per base plan it would be Rs 1250 which means saving of Rs 550) Minimum brokerage per share would be 1 paisa above free trades. No minimum brokerage per trade or contract will be charged. Nirmal Bang Securities Pvt. Ltd. reserves the right to change / discontinue the scheme at any point of time.

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NBEAT Corporate Scheme

Corporate I scheme y Clients falling under Corporate I scheme would be eligible for waiver of account opening charges upfront. y Margin and subscription charges are required to be paid. Corporate II Scheme y Client falling under Corporate II scheme would be eligible for waiver of account opening charges against brokerage generated within 3 months from the date of account opening y Margin and account opening charges, subscription charges (CHASE / ACE) are required to be paid. Documents Required Visiting card / photocopy of company ID card/ salary slip / Authorization letter from Employer .

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NBEAT MaxTrade

This product will allow clients to take more leverage against margin. This facility would be offered in specified scrip's in NSE & BSE .

Product Specifications:
Exposure Multiple: 20 times Allowed Segments: Equity Allowed Exchange: NSE & BSE Allowed Scripts: Are reviewed on periodical basis. Margin: Cash margin + Margin against Stock. Minimum initial and maintenance margin requirement is Rs 1,00,000/Trade type: Only intraday trades would be allowed. Square-off timings: 3.10 (Square-off timings are subject to change in case of excessive market volatility) Mark to Market square-off level
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Part-||

Back office Processes

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Back office Processes

Account Opening & KYC Post Account opening Activities
Account opening of demat and online trading account through in-house BPO Welcome call to every customer for handholding Client Mapping & Risk Management Platform and Brokerage scheme updation / activations Inbound call-centre support for any query and Trading Email and call back support through CRM Personalized advisory support for certain Value clients
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Outbound calling for verifying the KYC guidelines. Outbound calling for scheme Verification for Upfront scheme Accounts .

KYC Documents
Equity
Pan Card copy (Mandatory) also serves as an identity proof Address proof (passport/driving license /ration card /voter id card /bank passbook statement /latest electricity or Telephone bills(not more than 2 months old) /notarized copy of leave license agreement/ rent agreement ) Bank proof ( bank passbook/ bank statement (not more that 3 months old ), cancelled cheque) All documents to self attested by client , verified and stamped by NBSPL Employee. Email id & Mobile no is Mandatory Email id & Mobile no is Mandatory

Commodity
Pan Card copy (Mandatory) Identity Proof (Pan card/DL/Voter id /passport) Address proof (Address proof (passport/driving license /ration card /voter id card /bank passbook statement /latest electricity or Telephone bills(not more than 2 months old) /notarized copy of leave license agreement/ rent agreement ) Bank proof (bank passbook/ bank statement (not more that 3 months old ), cancelled cheque/letter from bank certifying date of operational of a/c )

Currency
Pan Card copy (Mandatory) Identity Proof (Pan card/DL/Voter id /passport) Address proof (Address proof (passport/driving license /ration card /voter id card /bank passbook statement /latest electricity or Telephone bills not more than 2 months old) /notarized copy of leave license agreement/ agreement ) Bank proof containing name of the client Copy of ITR ,Net Worth Certification / Form 16

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50

Key Points of A/c opening

y

Trading/broking a/c in NSE (Cash and F&O) and BSE (Cash), Commodities, Currency, Mutual Fund all or any one, chosen by customers at the time of account opening would be activated and empower the customer to trade in respective segments HO level verification call for Upfront subscription scheme plans to the clients to confirm the scheme details Physical Verification of clients with a TAT of 48 hours or availability of client Transparent A/c opening Module wherein step wise status of Application forms can be tracked by the branches . Single Cheque for Account opening charges , Margin money / Subscription charges of a segment . No third party cheques to be taken . Account opening cheques to be deposited locally in the NBSPL AXIS Bank CMS Account . Upfront subscription schemes Activation / Renewal post Account opening by filling Addendum.

y y

y y

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Post Sales Support Activity

y

Call Center Support for all existing clients .

Dedicated centralized Call- N-trade desk to take offline orders on recorded lines De-centralized advisory support desk for value clients across the country , with presence across Major Indian cities

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Call & Trade desk

y

For those clients who are travelling or don't have ready access to internet and don't want to miss on an opportunity in the market. Call us at -

This service Desk is operational on all trading days between 9 a.m. to 6 p.m. & Saturday between 10.30 a.m. to 2 p.m. Secure Transactions Client needs to enter your Trading ID and TPIN and our Trading Executive will be at your service to execute your trade. Service charge : Charge of Rs. 10 per call will be charged over & above free calls* and the same will be reflected in your ledger statement. Free Calls: First 20 calls will be free every week for T-PIN authenticated callers; free calls would not be available to non T-PIN authenticated callers.

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SALES PROCESS & SELLING SKILLS

 The most successful people in any industry are seldom the smartest or best looking...they're the people who can sell" Len Foley.

 Sales Process:  Prospect List DSR Entry Appointment Generation  Meeting & Greeting  Introducing Self & GBS  Introducing Company, its Products & Services  Seeking Permission  Close

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Continue..
 Meeting the client Need Awareness  Need Analysis  Need Confirmation  Need Solution  Core Process of Sales:  Acquire new client  Retain current customer Sell more to current customer  Customer are:  More aware  More demanding & powerful  Less loyal
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Continue..
Important points to follow:  Plan meetings depending on the clients convenience  Plan your meetings in such a way that you are able to meet several clients within the same area  Always be willing to ask for references  Pay special focus on Personal grooming aspects such as your attire, cleanliness, and general behavioral etiquettes  Never lie or make false commitments  Dont expect instant success

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Thank You
Prepared By :-M.K. Akela Guided By :- Mrityunjay Kumar & Harish Sharma 57