A SUMMER TRAINING PROJECT REPORT

ON
MARKETING INTERNSHIP AT AGILE CAPITAL SERVICES

GURU GOBIND SINGH INDRAPRSTHA

UNIVERSITY

Submitted
In Partial Fulfillment for the requirement
of Bachelors of Business Administration
(2022-2025)

Submitted to: Submitted by:

Dr. Rohtash Kumar Name: Deepali
Associate Professor Enrollment: 06815501722

61, NEW DELHI INSTITUTE OF MANAGEMENT

TUGHALKABAD INSTITUTIONAL AREA, NEW DELHI – 110062

1
 ACKNOWLEDGEMENT

This report would have been quite impossible without the immense help and pleasant
environment offered at “AGILE CAPITAL SERVICES”. I am deeply grateful to the entire
management of the NEW DELHI INSTITUTE OF MANAGEMENT for giving me an
opportunity to work on the practical aspect of life.

I would like to offer my sincere thanks to “Ms. SHIVANI SHARMA”, for giving me the
opportunity to do my summer training at “Agile Capital Services”. Ms. SHIVANI SHARMA
has patiently listened to my difficulties, tried to sort them out and gave me valuable suggestions
and remarks to make my project a more meaningful one. His guidance has made me learn a lot
about the finance domain. He constantly motivated me to overcome the hurdles and difficulties
in the project. I am grateful for the time he spent on this project out of his busy schedule.

I also sincerely thank DR. ROHTASH KUMAR, my faculty mentor at New Delhi Institute of
Management, who provided valuable suggestions, shared her rich corporate experience, and
helped me script the exact requisites. Lastly, I would like to thank my parents, friends, fellow
interns and well-wishers who encouraged me to do this research work and all those who
contributed directly or indirectly in completing this project to whom I am obligated to even
though anonymously.

DEEPALI

06815501722

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 CERTIFICATE

I, Ms. DEEPALI, Roll No. 06815501722 certify that the Summer Training Report (Paper
Code: BBA 315 entitled “MARKETING INTERNSHIP AT AGILE CAPITAL SERVICE” is
done by me and it is an authentic work carried out by me at AGILE CAPITAL SERVICES.
The matter embodied in this has not been submitted earlier for the award of any degree or
diploma to the best of my knowledge and belief.

Signature of the Student:

Date:

Certified that the Summer Training Report (Paper Code: BBA 315) entitled “MARKETING
INTERNSHIP AT AGILE CAPITAL SERVICE” done by Ms. DEEPALI, Roll No
06815501722, is completed under my guidance.

Signature of the Guide

Date:
Name of the Guide: DR..ROHTASH KUMAR

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 TABLE OF CONTENT
S.NO. CONTENT PAGE
NO.
1 COVER PAGE 1
2 ACKNOWLEDGEMENT 2
3 CERTIFICATE 3
4 TABLE OF CONTENT/INDEX 4
5 LETTER OF JOINING 5
6 COMPLETION CERTIFICATE 6

CHAPTER-1 INTRODUCTION AND NATURE OF JOB ASSIGNED 7-8

CHAPTER-2 INDUSTRY OVERVIEW 9-10

2.1 PAST, PRESENT, FUTURE TRENDS 11-12
2.2 MAJOR PLAYERS AND THEIR RESPECTIVE MARKET SHARE 13-16

CHAPTER-3 COMPANY PROFILE 17-18

3.1 HISTORY 19
3.2 VISION, MISSION AND OBJECTIVE OF THE COMPANY 20
3.3 ORGANIZATIONAL STRUCTURE 21-23

3.4 PRODUCT AND SERVICES OFFERED 24

3.5 MARKETING STRATEGIES FOR CUSTOMER SATISFACTION 25-27

CHAPTER-4 JOB DESCRIPTIONS 28-29

4.1 TARGET ASSIGNED 30
4.2 DAY TO DAY JOB EXPERIENCE 31-34
4.3 WORK ASSIGNED 35

CHAPTER-5 FINDING ABOUT THE COMPANY AND ANALYSIS

5.1 MAJOR FINDING 36-42

CHAPTER-6 DIFFICULTIES FACED AND MAJOR LIMITATIONS 43-44

CHAPTER-7 CONCLUSIONS 45
CHAPTER-8 BOBLIOGRAPHY 46

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OFFER LETTER

5
COMPLETION CERTIFICATE

6
CHPATER: 1

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 INTRODUCTION AND NATURE OF JOB ASSIGNED

Today, financial institutions play a very vital role in an economic growth of the country. These
are intermediaries that mobilizes savings and facilitates the allocation of funds in a most
appropriate manner so that investor should get maximum out of it. These financial institutions
have offered the facility of different investment avenues to the individual, so that he can invest
his saved money to get maximum out of it. Therefore, this report is conducted on investment
avenues available in India.

This is to examine various Investment avenues available in India. Detail analysis has been
made on what to be looked into before investing in an investment avenue. This research draws
an attention on the fact that what is the Risk, Return, safety, taxability and liquidity of the
investment avenues available in India. Also, detail analysis is made on eligibility criteria for
investing in these avenues.

Throughout the research it is observed that every investment avenue has its own benefits. Some
are beneficial from risk point of view whereas some are beneficial from returns point of view.
From research I have learnt that it is very important for the investor to have sufficient
knowledge about the investment product before investing in it resources to analyse them.

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CHAPTER:2

9
 INDUSTRY OVERVIEW

Agile Capital Service Positioning:

Your one-stop shop for all of your financial requirements is ACS. Our goal is to provide
consumers with the greatest option for managing their money in the most advantageous way.
Financial planning is a dynamic process, and as lifestyles change over time, financial goals
may also alter. ACS is a privately held provider of financial services dedicated to assisting you
in enhancing your long-term financial success. To meet the needs of wealthy clients in terms
of investment management, they offer specialized advice services. Our guiding idea is to
provide our clients with significant returns through our connections to Indian government
sector banks. They think that there is no "one size fits all" solution when it comes to investment
portfolios. Additionally, they connect employers and job seekers through our recruitment

services.

Agile Capital Services Contribution:

Agile Capital Services Is One of India's Emerging Consulting Firm. At Agile Capital, they
Provide Wealth Management Services to High and Ultra High-Net-Worth Individuals. They
cater to financial needs of individual and corporate clients. They are trusted by more than 8000
Clients.

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 PAST, PRESENT, FUTURE TRENDS

In the history of the Indian insurance sector, a decade back LIC was the only life
insurance provider. Other public sector companies like the National Insurance,
United India Insurance, Oriental Insurance and New India Assurance provided
non-life insurance or say general insurance in India. However, with the
introduction of new private sector companies, the insurance sector in India gained
a momentum in the year 2000. Currently, 24 life insurance companies and 30 non-
life insurance companies have been aggressive enough to rule the insurance sector
in India. But, there are yet many more insurers who are awaiting IRDAI approvals
to start both life insurance and non-life insurance sectors in India.

So far as the industry goes, LIC, New India, National Insurance, United insurance
and Oriental are the only government ruled entity that stands high both in the
market share as well as their contribution to the Insurance sector in India. There
are two specialized insurers – Agriculture Insurance Company Ltd catering to
Crop Insurance and Export Credit Guarantee of India catering to Credit
Insurance. Whereas, others are the private insurers (both life and general) who
have done a joint venture with foreign insurance companies to start their
insurance businesses in India.

11
Due to this cooperation with international markets, India's insurance industry is
currently dominating its market. In 2000, India permitted private enterprises in
the insurance market, limiting FDI to 26%, which was raised to 49% in 2014.
According to IRDAI, the Insurance Laws (Amendment) Act, 2015 allows for an
increase in the foreign investment cap in an Indian insurance company from 26%
to a 49% explicitly composite limit while preserving Indian ownership and
control. Private insurers like HDFC, ICICI, and SBI have been some fierce rivals
in India's insurance market for both life and non-life products. Despite LIC's
continued dominance of the Indian insurance market, both the life and non-life
insurance industries will experience vigorous expansion and growth in 2017.
There is a huge need for new insurance products with low prices. Since the
domestic economy cannot expand rapidly, India's insurance industry is regulated
to ensure significant growth. The insurance industry in India would introduce new
trends including 18 product innovation, multi-distribution, better claims
management, and regulatory developments in the Indian market as a result of
rising incomes, exponential expansion in purchasing power, and household
savings. The government also strives hard to provide insurance to individuals in
a below poverty line by introducing schemes like the

• Pradhan Mantri Suraksha Bima Yojana (PMSBY),

• Rashtriya Swasthya Bima Yojana (RSBY) and • Pradhan Mantri Jeevan Jyoti
Bima Yojana (PMJJBY). The introduction of these programmes would make it
easier for Indians with lower and lower-middle income levels to take advantage
of the new policies' reduced rates. The future of the life insurance sector in India
appears to be quite bright and promising as a result of many regulatory
developments. The way insurers manage their business and interact with their real
customers would also change as a result of this. The insurance industry in India
will experience significant development as a result of certain demographic

12
characteristics, including rising insurance awareness, retirement planning, a
growing middle class, and a young population that is eligible for insurance.

MAJOR PLAYERS AND THEIR RESPECTIVE MARKET

SHARE

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14
From the above list we get to know that there are many players in the market and
also there are lot of options for a customer to buy insurance.

India's insurance industry contributes significantly to the health of the country's

economy. It greatly expands people's options to save money, protects their future,
and aids the insurance industry in building up a sizable fund reserve. The
insurance industry greatly contributes to the capital markets with the aid of these
funds, consequently accelerating significant infrastructure improvements in
India. Life insurance and non-life insurance are the two main divisions of the
Indian insurance market. General Insurance is another name for the non-life
insurance market. The IRDAI oversees both life insurance and nonlife insurance
(Insurance Regulatory and Development Authority of India). The IRDA is
responsible for closely observing the whole Indian insurance industry and serving
as the guardian of all insurance consumer rights. For this reason, all insurers are
required to follow by the IRDAI's rules and regulations. There are 57 insurance
companies in India's insurance business as a whole. The remaining 33 companies
are non-life insurers, leaving 24 companies that offer life insurance. This includes
seven public sector businesses. While non-life insurance businesses provide
coverage for our daily lives, such as travel, health insurance, our vehicle and
bikes, and home insurance, life insurance companies provide coverage for the
individual's life. In addition to this, our industrial equipment is also covered by
non-life insurance providers. The general insurance companies in India also offer
other insurance products, such as crop insurance for our farmers, gadget insurance
for mobile devices, pet insurance, etc. In recent years, life insurance firms have
developed investing prospectuses with the goal of offering insurance while also
helping your investments grow. However, general insurance companies are still
hesitant to provide people with pure risk coverage.

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16
CHAPTER: 3

17
 COMPANY PROFILE

Agile Capital Services is the choice of many reputed Multinational Organizations

and businesses because of its commitment to deliver best results. ACS being the
trusted and reliable talent acquisition partner also provides expert guidance
towards achieving financial independence to its clients. They have experts who
provide consultancy services regarding financial and investment sector to
individual so that they can secure financial future of themselves and their family.
Their experts provide financial advice in the simplest way possible because they
believe in managing wealth in less complicated way.

Agile Capital Services Is One of India's Emerging Consulting Firm. At Agile

Capital, they Provide Wealth Management Services to High and Ultra High net-
Worth Individuals. Their team is highly trained and specialized and their work is
to engage with clients from across the country as well as those based
Internationally. In addition to their custom-designed solutions, they focus on un
complicating the entire process of investment for each client. They focus on
building long term relationships with their clients.

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HISTORY

19
 VISION, MISSION AND OBJECTIVE OF THE
COMPANY

Vision
Our vision is to significantly increase the wealth of our clients by providing best
financial services as well as most valuable recruitment service provider.

Mission
We thrive to provide best and simplest wealth management advice through honest
financial solutions as well as inspire the candidates to explore job opportunities
across various industrial sector.

OBJECTIVE
ACS is the one stop solution provider for all your financial needs. Our objective is
to serve the customers with the best solution to direct their finances in the most
profitable way.

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 ORGANIZATIONAL STRUCTURE

SWOT analysis of the company:

•ACS Strengths: ACS is the one stop solution provider for all financial needs..
ACS is an independent financial services firm 10 committed to help in improving
their customer’s long- term financial success.

• Weakness: High Competition in the Market because of similarity of products.

• Opportunities: They are trusted by more then 8000 clients and are
continuously spreading their products and services across more cities in India and
also Internationally.

•Threats: Market pressure by Similar Companies providing same Services.

PEST ANALYSIS

Political factors affecting insurance industries:

• Insurance business in rural/ social sector

• Capital requirement

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• Renewal of Registration

• Requirement as to capital

• Investment of funds outside India

• Power to investigation or inspection

• Tax policy and insurance sector

Economical factors affecting insurance industry:

• Adequacy of capital

• Increased economic activity

• Interest rates

• Inflation rate

• Market related factors

• Customer Satisfaction

Socio-Cultural factors affecting insurance industry:

• Population

• Lifestyle

• Education Level

• Level of earning

• Societal benefits

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Technological factors affecting insurance industry:

• Maintaining the database

• E-business insurance in India 19 Five Forces Model of Investment Avenues

• Political Entrants

• Suppliers

• Substitutes

• Buyers

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 PRODUCT AND SERVICES OFFERED

Products and services:

• Consulting Services

• Portfolio Management

• Recruitment Services

• Taxation Services

• Financial Analysis

• Internship Programme

• Professional Skill Development

Smart Investment:

• Real Estate

• Insurance

• Gold

• Stock Market

• Mutual Funds

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 MARKETING STRATEGIES FOR CUSTOMER
SATISFACTION

Investment Avenues in India

By Investment Avenue we mean a particular system or organization in which an
investor can place his surplus funds with the objectives of having certain gains in
future. This organization may be well organized like bank, financial institution,
mutual funds and company or in an unorganized manner like chit fund
organizations,etc . Different investment avenues have different features like few
offer fixed returns and certain others offer stock market based returns and some
of them offer mix of these two.
Few of these has an element of safety and others do not have any kind of safety.
In certain cases there are negotiable forms and in other cases these are non-
negotiable. Investment avenues of a country are subject to different rules and
regulations of either the government or some apex body like Reserve bank of
India, NABARD, SEBI or COMPANIES AC.

Following are the features of Investment avenues:

• A place where one can invest his surplus.
• Fixed and floating returns
• Investment accepting organization might have an obligation or not
• Risk is the inherent part of every avenue.
• Regulation.
• Market oriented vs. others
• Negotiable vs. Non -negotiable
• Security form vs. Non- security form
There are 57 insurance companies in the Indian insurance market; 24 are engaged
in the life insurance sector, and 34 are non-life insurers. Life Insurance
Corporation (LIC) is the only company in the public sector that provides life

25
insurance. In the non-life insurance business, there are six public sector insurers.
In addition to these, General Insurance Corporation of India is the only national
re-insurer (GIC Re). Agents (individual and corporate), brokers, surveyors, and
third-party administrators handling health insurance claims are other market
participants in India.
Insurance market in India is expected to reach to $222 Bn by 2026.

MARKET SIZE
Between 2019 and 2023, the life insurance market is anticipated to grow at a

CAGR of 5.3%. In FY21, the penetration rate of insurance in India was estimated

to be 4.2%, with non-life insurance penetration at 1.0% and life insurance

penetration at 3.2%. India's overall density in terms of insurance was US$ 78 in

FY21. By FY31, premiums from the Indian life insurance sector are anticipated

to total Rs. 24 lakh crore (US$ 317.98 billion). The life insurance sector saw

growth of 5.8% in the first half of FY22 as opposed to 0.8% during the 13 same

time in FY21. In 2021–2022 life insurers' gross first-year premium grew by

12.93% to Rs. 314,262.42 crore (US$ 40.06 billion). Gross premiums written out

by non-life insurers between April 2021 and March 2022 totalled Rs. 220,772.07

crore (US$ 28.14 billion), up 11.1% over the corresponding period in FY21.

The total premium collected by the non-life insurance market in May 2022 was

Rs. 36,680.73 crore (US$ 4.61 billion), up 24.15% from the same month the year

before. Private sector businesses now account for 49.31% of the market for

general and health insurance, up from 48.03% in FY20. Six independent, private

health insurance businesses saw an increase in gross premium of 66.6%, from Rs.
26
844.13 crore (US$ 115.12 million) in May 2021 to Rs. 1,406.64 crore (US$

191.84 million). India is the second-largest insurance technology market in Asia-

Pacific, accounting for 35% of the US$3.66 billion in insurtech-focused venture

investments made in the nation, according to data from S&P Global Market

Intelligence.

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CHAPTER: 4

28
 JOB DESCRIPTION

Our internship program was for 2 months. I was offered with a specialization

internship in Marketing. During the first 20 days training period they provided us

the theoretical as well as practical knowledge. Theoretical knowledge about the

roles of HR, also about basic terminology of Taxation and particularly sales in

Marketing which included sale of Insurance. They daily provide us notes on these

topics and give us assignment daily.

They assigned us work of pitching the India First Life Insurance to customers and

then report them the Daily Sales Report every day in the morning. In the Finance

profile they asked us to prepare salary slips and also, they gave us in depth

knowledge about the exemptions under Section 80C and 80D.

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 TARGET ASSIGNED

About The Product

Product Of Bank Of Baroda:

• Bank of Baroda (BOB or Bob) is an Indian nationalized banking and financial

services company headquartered in Vadodara. It is the third largest nationalized

bank in India, with 132 million customers, a total business of US$218 billion, and

a global presence of 100 overseas offices. Based on 2019 data, it is ranked 1145

on the Forbes Global 2000 list.

• The Maharaja of Baroda, Sayajirao Gaekwad III, founded the bank on20 July

1908 in the Princely State of Baroda, in Gujarat. The government of India

nationalized the bank, along with13 other major commercial banks in India on 19

July 1969 and designated it as a profitmaking public sector undertaking (PSU).

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 DAY TO DAY JOB EXPERIENCE
ON THE JOB TRAINING
During my internship two new
products of Agile capital Services
were launched:

• IndiaFirst Life Guaranteed Benefit

Plan

• IndiaFirst Life MahaJeevan Plus

Plan

These were the two products that

were launched Infront of us and we were asked to sell these products to different
customer. This required us have a proper selling skill and also make the customers
understand what we are selling. Also, the customers that we connected to, we

were supposed to send DSR (Daily Sales Report) to our assigned manager.

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 DAILY SALES REPORT

Like these formats I forwarded daily DSR (Daily Sales Report). I almost

contacted people during my internship time. This helped me developed inter-

personal skills and also helped me how to contact different people and make them

understand about our product and mainly how to do sales. Also, we were

supposed to make two presentations on topics:

1) FINANCIAL SECTORS

2) INTERNSHIP AT AGILE CAPITAL SERVICES

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 WEEK WISE DESCRIPTION OF ACTIVITIES

Week 1:-

• Created database for 30 management colleges (Name, rating, fees,

establishment, courses offered, placement officer name and number)
• Had Training session conducted on how to get started with the research
project and basic marketing and analytics jargon being explained and
guided to use in the real business world and research projects.
• Training session conducted on HR and basic definition
• Assignment given-Designing a salary slip (format provided) • Training
session conducted on Auditing
• Assignment was given – Sum on taxable income and taxable liability.

Week 2:-

• Basics of financial sector

o Share market  Mutual funds  Gold  Bank/FD  PPF  Real estate 
Post office  Insurance • To Prepare a PPT on Financial Sectors • Basics
of financial sector  Share market  Mutual funds 29  Gold  Bank/FD
 PPF  Real estate  Post office  Insurance
o Submitted a PPT on Financial sectors.
o Training session conducted on Portfolio Management.
o Explained the phase-2-week tasks.
o Introduced to insurance we need to sale

Week 3:
• Different kinds of portfolios  Traditional Portfolio  ULIP  Term
Portfolio • Session with the Director  Introduction about the product

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  USP –  Ownership transfer  100% tax rebate  Backed by RBI,
SEBI, and RDA  Inflation cover  EMI
• Submitted DSR (Daily sales report)
• Session with the Director  Product launch –  Bank of Baroda India
first life Maha Jeevan plus  Bank of Baroda India guaranteed benefit
product
• Explained the phase-2-week tasks.
• Introduced to insurance we need to sale
• Sales of product
• Maintaining DSR report

Week 4:-
• Update about sales pitch
• Updating Daily sales report

Week 5:-
• Update about sales pitch
• Updating Daily sales report

Week 6:-
• Update about sales pitch
• Updating Daily sales report

Week 7:-
• Update about sales pitch
• Updating Daily sales report

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 WORK ASSIGNED

At ACS I was taught about the various financial sectors, roles and responsibilities

of HR, Highlights of the product, understanding customers’ needs, pitching of the

product, new terminology, sales strategies, Pay slip, Taxation, Product

knowledge, and customer knowledge. During our training period, they give us

assignments which we have to submit daily to our manager.

We were asked to sell their products to our inner circle that is our family and

friends and try to convince them why they should buy our product. Apart from

this few cold calling was also done.

The Daily Sales Report is shared with the manager and further if any doubts

regarding the pitch or sales we use to take help from them.

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CHAPTER-5

36
 MAJOR FINDING
❖ During my internship in specialization of Marketing I had to prepare a
report work on the topics given by them. So, my topic “CONSUMER
PERCEPTION TOWARDS HDFC BANK”. The research for this report
was collected through online and Questionnaire. This report work was
given in Module 2 Task.

THE OUTCOMES OF QUESTIONNAIRE IS:

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38
During the research, I find out that more than 50% of Non-HDFC Bank
customers perceive HDFC Bank as a company that is best at providing better
service quality. So, there is an opportunity for HDFC Bank to motivate those
Customers and make them switch from their current bank towards the HDFC
Bank.

HDFC Bank has maintained their customer relationship very well and it has
proved to be one of their best strategies in today’s era of challenge and
competitive environment and giving them better chances of growth and
survival.

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❖ The other task which was given during module 2, was to tell Uses of
social media marketing in BFSI sector for corporate channel, banking
channel, and online channel.

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41
42
 CHAPTER: 6
DIFFICULTIES FACED AND MAJOR
LIMITATIONS

Technical / soft skills acquired:

How to approach a client and how to communicate with them. What are the
things need to be told to them so that they are convinced like what Benefits and
services they will be getting by purchasing the Insurance.

Scope of the study:-

• In past times, when investment management companies started to offer various

options of investment avenues, choices were very less. But now, there are more
and better choices are available with the investor.

• In present times, there are lot of Analysis tools are available, to analyze
investment avenue in detail.

• Various courses are offered by different education institutes for better analysis
of investment avenues.

Objective of the study

• To study various aspects and forms of investment avenues available in India.

• To measure the performance of investment avenues.

• To compare the performance of one investment avenue with another avenue.

43
• To analyze various factors such as risk, liquidity, taxability that affect the
performance of investment avenues.

Limitations of the study:

• The total number of investment avenues in market are so large that it needs lots
of resources to analyse them.

• Keen analysis of such varied and diversified data takes lot of time and patience.

Research methodologies:

• It is descriptive and detail study as all the investment avenues are analysed in
detail.

• Secondary data has been collected from internet through various websites and
from PDFs available on internet.

• Primary data is collected through questionnaire.

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 CHPATER: 7
CONCLUSION

From the detail analysis of each investment avenue, it is seen that every

investment avenue has its own strengths and weakness. Every investment has its

own features. In every investment avenue there are certain conditions which are

either leviable by financial institution or any government body. Some provide

good returns but with a long-time span, where as some provide safety but at the

expense of liquidity and growth. Every Investment Avenue is a mixture of

following factors, risk, return, liquidity, safety and taxability.

Before investing in any investment, one should have full knowledge of how the

following investment avenue works, what are its terms and conditions.

45
 CHAPTER: 8
BIBLIOGRAPHY

o Industry Overview, Market size and trends| IBEF

o List of insurance companies| Department of financial services| Ministry of

finance | Government of India

o Home || Agile capital services pvt.ltd

o Overview, IRDAI, companies, stats and trends (acko.com)

o SWOT analysis of Indian Insurance Industry

46