A Study on

FINANCIAL INCLUSION AND RURAL CREDIT

IN INDIAN ECONOMY 2000-2010.
Submitted in the partial fulfilment of the requirement
for qualifying

Master of Business Administration

Of
Invertis University

Submitted by
Narendra Singh
Roll No:1320103036
Project guide : Assistant Prof Rajeev Bhandari
Specialization: Finance

DECLARATION
To,
The HOD,
Invertis university
Respected Sir,

I the undersigned hereby declare that the project report

entitled

Modern
products

Perception and Buying Behaviour of

Consumer towards Personal Care

original work developed and submitted by me

under the guidance of Prof. S.K.ROY
The empirical findings in this project report are not copied from
any report and are true and best of my knowledge.

DATE:
PLACE: Bareilly
ROLL NO.:1320103001
Signature of student

CERTIFICATE
This is to certify that the project entitled submitted by Afreen
Ansari in partial fulfilment for the award of Master of Business
Administration; Invertis University is her original work and does
not form any part of the projects undertaken previously.
Also it is certified that the project represents the original work
on the part of the candidate.

Place: Bareilly
Date:

Signature of the Director

Guide

Signature of

ACKNOWLEDGEMENT
With immense please we are presenting Perception

and Buying Behaviour of Modern Consumer

towards Personal Care products.

Project report as

part of the curriculum of Master of Business Administration.

We wish to thank all the people who gave us unending support.

I express my profound thanks to

Prof. S.K ROY.

project

guide and all those who have indirectly guided and helped us in
preparation of this project.
We also like to extend our gratitude to all staff and our
colleagues of College of Management, who provided moral
support, a conductive work environment and the much-needed
inspiration to conclude the project in time and a special thanks
to my parents who are integral part of the project.
Thanking you.

Afreen Ansari

ABSTRACT
The first and most objective of my study is comparative study of
perception and consumers buying behaviour regarding personal care
products. The study of consumer behaviour is the most important
factor for marketing of any goods and services. The consumer
behaviour suggest how individual, groups and organization select,
buy, use and dispose of goods, services, ideas or experience to satisfy
their needs and wants.
It also clues for improving or introducing products or services, setting
price, devising channels etc.
Since liberalization 100% FDI is allowed in India. This has attracted
foreign companies to penetrate the Indian market. The marketers
always look for emergent trends that suggest new marketing
opportunities and here in India a lot of opportunities are available.
The personal care sector is one of the best and important sectors at the
present time. There is a lot of future opportunity in this sector. The
increasing trend of different cosmetic products, beauty care products,
skin care products, hair care products etc fuels the market growing
opportunity for cosmetic products.
From the last couple of years, the demand of personal care products is
not only increase in only women but also it increases in men .e.g.
Himani Fair and Handsome mardon wali fairness cream. Like that
there are many opportunities has been arising and change is made in
consumers perception.

Index
a) Acknowledgement
b) Preface
c) Executive summary
d) contents
1. Introduction
2. Back Ground of the Study
3. Objective of the study
4. Literature Review
5. Research Methodology
6. Finding, Analysis & Interpretations
7. conclusion
8. suggestion
9. Bibliography

INTRODUCTION TO THE TOPIC

Generally, personal care products are these products which a
consumer uses for his personal purpose. It includes different
types of cosmetic and skin care products like talc, cold cream,
fairness cream, toothpaste, toothbrush, perfume, deodorant,
hair oil, shampoo, soap, and all type of baby care and beauty
care products. These are the core FMCG products. Any person
need for these products every day.
Personal care products are a part of FMCG industry. In some
words we can say that personal care products are the
backbone of FMCG industry. As per the time passes
away, the demand of personal care products are also
increasing day per day and future of these products are also
very bright and profitable.
There was a time when consumers not spend too much
amount on the personal care products. But in those days, they
are not only eager for spending more money on the cosmetic
products, but at the same time they are looking for a good and
prestigious brand for the particular product. Modern media
and advertisement plays an important role in the increasing of
demand of personal care goods. People of metro cities are too
much brand conscious but if we look at the people of semi
urban and rural areas, they are also looking for a good brand
for the particular product.
Himani Fair and Handsome Mardon Wali Fairness Cream,
Thanda Thanda Cool Cool Navratna talc, International Lux
etc. are the some of the front drive of advertisement in the
way of the success of personal care products.

BACKGROUND OF THE STUDY

The Indian cosmetic Industry has witnessed rapid growth over
the last couple of decades. In that time the range of cosmetic
and beauty products in India has widened tremendously.
Beauty products manufacturers in India mostly cater to the
great demand for cosmetics and toiletries that fall into the low
or medium-price categories as the greatest demand in India
has always been for these economically priced products.
However, in recent years in the cosmetics market India
competitors have begun to manufacture products to cater to an
International need. For instance, herbal cosmetics from India
have a great demand in the overseas market and many
cosmetic products that are manufactured in India today are
supplied to international suppliers of branded cosmetics
products like The Body Shop for example. New facts that
have been unveiled by a series of cosmetics business market
analysis India reveal that many International companies are
now outsourcing cosmetics to India and that the industry of
cosmetic products India is growing at an average rate of
almost twenty percent annually. This increase is attributed to
two main factors. The first being the increase for the demand
in Indian cost-effective products and the second being the
increased purchasing power of the average Indian.
There are also many reasons for the increased demand for
cosmetic products in particular. With the introduction of
satellite television and a wide array of television channels as
well as the Internet, the average Indian consumer is constantly

bombarded with advertisements and information on new

cosmetic products which often translates into the desire to
purchase them. A boom in the Indian fashion industry has
also been linked to the increased awareness of Indian people
about their appearances and consequently contributed to an
increase in the demand for cosmetic products. However, even
with the massive surge in the popularity of cosmetic products,
statistics have shown that the average Indian consumer spends
much less on cosmetic products than consumers from every
other part of the world. This means that the Indian cosmetic
industry has an even greater potential for growth than it is
presently experiencing.

In the entire range of products that fall within the territory of

the Indian cosmetic and toiletries market, the most popular
items are colour cosmetics, of which nail varnish, lipsticks
and lip glosses account for the most sales. In this area, popular
local brand names include Lakme and Revlon. Skin-care
cosmetics have experienced a slower growth and products
such as anti-wrinkle creams, cleansers and toners, for
instance are not as popular as facial creams, moisturizers and
fairness creams in this genre. Companies like Ponds and Fair
and Lovely rule the roost in this segment.
Few cultures valued beauty and cosmetic products in ancient
times as the Egyptians did. The history of ancient cosmetics
can also be traced back to the culture of ancient

Greece and make-up was also popular in the Roman Empire.

There is sufficient evidence to suggest that people from all
these three cultures used hair dyes for instance. These people
used herbal concoctions with components like henna, sage
and chamomile to darken their hair. It was only in the
renaissance period that blond hair became fashionable.

Although cosmetic products have undergone many changes in

modern times, the basic concept of using cosmetics to
enhance the features of good health has not changed.
For instance, blush-on is used to conceal pale present a picture
of rosy cheeks as opposed to pale skin and nail polish can be
used to conceal brittle or dry nails. The history of makeup
cosmetics however is tarnished by the ill-effects that were
often experienced after applying many ancient make-up
products. This was because many such products were created
using dangerous components and also because cleansing
lotions are not anywhere to be found in the early history of
cosmetics .

Need of the Study

The study is done for getting a deep knowledge and idea
about Indian cosmetic//personal care sector. The need or
objective of the study is to know the how much consumers
give preferences to the brand of cosmetic goods whether the
customers are satisfied with the cosmetic products of the
company and how far the company is able to satisfy the
customer in terms of quality and cost factors since in todays
modern era customers are the focus for any company, any
organization that without satisfying them no company can
survive in this global competitive age. Non satisfaction of the
potential customers can lead them to switch over to another
one. Now the policy every company or organization is to
provide satisfaction as there exists a lot of competition for
them. Hence it becomes necessary to conduct a
comprehensive research in terms of customer satisfaction so
that it is able to know how far it stands before others. This
also helps to judge whether if there is any lag in the policy
and could take immediate action to rectify it.
The need of this project also arose because an extensive
survey can help the company whether the work done by the
company in the area of new products is able to satisfy the
customers or not. The major focus of the research conducted
therefore is to discover the factors that people are aware about
the upcoming new products and the attribute of the product
which attracted them for a trial. The study was restricted to
only around 50-60 percent of our target audience, because the
respondents included in the study are people who are regular
user of cosmetic goods

OBJECTIVE
RESEARCH OBJECTIVE
To know about consumers perception and buying behavior
about cosmetic goods when they purchased it.
SUB OBJECTIVE
To determine the actual demand of consumers.
To know about the performance of popular brands of
different companies in market.

MAJOR COMPANIES OF PERSONAL CARE SECTOR

MAJOR COSMETIC COMPANIES (WORLD WIDE)
Company:
1. Loreal
2. Procter & Gamble
3. Unilever
4. Alticor
5. Shiseido
6. Avon
7. Beiers dorf
8. Johnson & Johnson
9. Alberto-Culver
10. Henkel
11. Kao
12. Limited
13. LVMH
14. Colgate-Palmolive
15. Kanebo
16. Coty
17. Mary Kay

MAJOR INDIAN COSMETIC COMPANIES:

In India, there is a complete range of cosmetic companies.it
includes regional companies, national and MNCs. Hindustan
Unilever leads the companies which is followed by Godrej
consumer care, Procter & Gamble, Emami, Dabur and Calvin
Care.
A broad list of these companies has been given below:
1. HUL
2. GODREJ CONSUMER CARE.
3. EMAMI
4. ITC.
5. DABUR.
6. PROCTER & GAMBLE.
7. CALVIN CARE.
8. HANKEL INDIA LTD.
9. MARICO.
10. RECKITT BENCKISER (INDIA) LTD.
11. COLGATE PALMOLIVE PVT. LTD.
12. CHOLYIL PVT.LTD.
13. J.K.HELEN COUTIES LTD.
14. J L MORISON INDIA LTD.
15. MODI RAVLON LTD.

1. HUL (Hindustan Unilever Ltd.)

CEO:-Nitin Pranjape.
Hindustan Unilever Ltd. Has takes first position in the
cosmetic products selling in India. Every one out of two
peoples uses the products of HUL. There is a wide range of
variety of products of HUL in India.
Product Range (Cosmetic):Lux, Lifeboy, Hamam,Liril, Breeze, Dove, Pears, Rexona
Fair&Lovely, Ponds,
Vasaline, Avience , Sunsilk,Clinic ,Axe, Ayush ,Lakme
Surfexel,Rin,Sunlight, Wheel,
Closeup,,Pepsodent

2. GODREJ CONSUMER PRODUCTS LTD.

CEO:-Adi Godrej .
Godrej Consumer Care is one of the biggest companies in the
field of FMCG business. Every one out of three Indians uses
the product of Godrej. It also has a wide verity of cosmetic
products.
Product Range (Cosmetic):Cinthol, Fair glow, Evita, No. 1, Vigil, Shikakai, Colour soft,
Nupur(mehandi),
No.1, Powder hair die, Renew (hair colour), Cinthol
(shampoo,deo,talc, Saving gel),
Ezee

3. EMAMI
CEO: -N.VENKAT.
Product Range (Cosmetic):BoroPlus, Fair &Handsome, Fast Relief, Hair Life, Malai
Kesar Cold Cream, Navratna Oil(Oil, Lite, Extra Thanda,
Cool Talc) Baby massage oil,

4. ITC
CEO: -Y.C.Deveswer
Product Range (Cosmetic):Essenja De Wills, Inizio, Femme, Fi ma(5varities),
Vivel,Superia

5,DABUR :
CEO:-Sunil Duggal.
Product Range (Cosmetic):Amla hair oil., Amla light oil, vatika, anmol sarson
Amla,Gulabary,Crme, lotion,

6. P&G
CEO:-A.J.LAFELY
Product Range (Cosmetic):
Pantene,Head & Shoulders, Gillette, Safeguard, Zest, Old Spi
Olay, Aussie(shampoo),

7. Marico
CEO: -Saugat Gupta
Product Range (Cosmetic):
Parachute, Medikar, Hair & Care, Santi Amla, Nihar Cemelia,
Kaya Lite, Kaya Skin
Care, Aromati

8. CAVIN KARE
CEO: -C.Ranganathan
Product Range (Cosmetic):
Chick, Nyle, Indica, meera badam shampoo, Karthika,
Fairever, Spinz(talk&deo.),nyle
coldcream

OTHER COMPANIES
There are some other companies engaged in the business of
cosmetic products. Including them, some are the multinational
companies like-Loreal, RECKITT BENCKISER (INDIA)
LTD etc. and as well as some local giants which are perform
much better job in the cosmetic sector like-Hankel, Nirma,
etc.

COMPETITION AMONG MAJOR COMPANIES:

There is a huge competition among the companies working

with the personal care segment of FMCG industry. HUL is
leading the market in many segments from last
couple of decade. But right now it is facing a good
competition from the other existing companies like P&G,
Marico, Godrej Consumer Care Ltd., Dabur etc. A full data of
these companies and there market share is given in the
following above table.

The countries largest maker of home and personal care

products, Hindustan Unilever Ltd (HUL), has lost market
share by value over the five quarters ended 31 March2009,
the erosion cutting across key categories such as soaps,
shampoos, toothpastes and skin creams, even as the broader
market expanded significantly
HUL lost considerable market share in soaps, detergents and
shampoos that contribute three-quarters of its sales, securities
house DSP Merrill Lynch Ltd said in a recent report, citing
data from market research firm ACNielsen.
Market share for soaps, detergents and shampoos declined to
47.5%, 36.8%, and 44.7% in the three months ended March,
from 53.4%, 38.9% and 46.3%, respectively, in the JanuaryMarch quarter of 2008. In some categories such as tea and
coffee, HUL expanded its market share marginally. In tea, for
instance, its share rose to 23%, from 22.6%.
In soaps, the companies market share dropped in each of the
five quarters even as the overall soap market, according to
ACNielsen, grew 18% in the year to Rs7,967 crore. HUL soap
portfolio includes popular brands such as Dove, Lux, Hamam
and Breeze.

Discount brands such as Godrej No.1 and Santoor have been

gaining share from HULs Breeze and Lux, said India Info
line Nagwekar.

Godrej No.1 is a product of Godrej Consumer Products Ltd

(GCPL) and Santoor is made by Wipro Consumer Care and
Lighting, a unit of Wipro Ltd.
HULs market share in the laundry segment grew to around
37.8% in the quarter ended June from 35.5% in the same
period last year, according the market research
Firm .
However, this time, the increase was not at the expense of
price war with its multinational rival Procter & Gamble Co.
P&G also gained 0.5 percentage points, up to a 7.6% share.
Nirma Ltd, the Ahmadabad-based manufacturer, however, saw
its market share dip by 1.7% percentage points to 13.5%.
Wheel, a value brand that, according to Vats contributes
around 50% of HULs laundry segment revenues, increased
its market share by 2 percentage points in the same period,
with a total share of about 18%.Laundry has been an
attractive segment in the past and is likely to keep growing
in the near future. The recent price war between companies
led to erosion in their profitability but now, the industry is
stabilizing, says Umesh Sharma, an analyst at Macquarie
Securities here. According to Vats, the laundry business is
witnessing a surge in demand from cities and HUL is focusing
on Tier I and II cities to tap that demand.

LITERATURE REIVEW
Indian cosmetic industry is one of the profitable and stable
sector. There is a bright and golden opportunity in this sector.
Many of the scholars, research agencies has done their
research on this sector and given their own different views
and suggestions.
The global outlook series on Personal Care Products provides
a collection of statistical anecdotes, market briefs, and concise
summaries of research findings. The report offers exclusive
preludes, and primers on the global Cosmetics and Toiletries
markets such as Skin Care Products, Hair Care, Oral Hygiene,
Shaving Products, Bath & Shower Products, Facial Care, Lip
Care, Feminine Hygiene Products, Deodorants, Fragrances &
Perfumes, and Baby Toiletries. The report also includes a
compilation of recent mergers, acquisitions and strategic
corporate developments. Major regional markets discussed
include United States, Japan, Europe, France, Germany, Italy,
UK, Spain, Asia, China, India, South Korea, Brazil, and
Mexico, among others. The report also includes an indexed,
easy-to-refer, fact-finder directory listing the addresses, and
contact details of 997 companies worldwide.

The specific product segments analyzed are Stick & Solid

Deodorants, Spray Deodorants, Roll-On Deodorants, and
Other Deodorants (Creams, Gels and Wipes).
The report provides separate comprehensive analytics for the
US, Canada, Japan, Europe, Asia-Pacific, Middle East, Latin
America, and Rest of World. Annual forecasts are provided

for each region and product segment for the period of 2001
through 2015. A ten-year historic analysis is also provided for
these markets with annual market analytics. The report
profiles 186 companies including many key and niche players
worldwide such as Beiers dorf AG, Church & Dwight Co.,
Inc., Colgate-Palmolive Company, Henkel Lion Corporation.,
Procter & Gamble Company, Sara Lee Corporation, and The
Unilever Group.
The specific product segments analyzed are Traditional Lip
Care Products, Medicated and Therapeutic Lip Care Products,
and Sun Care (Lip Care) Products. The report provides
separate comprehensive analytics for the US, Canada, Japan,
Europe, Asia-Pacific, Middle East, and Latin America. Annual
forecasts are provided for each region for the period of 2001
through 2015. A ten-year historic analysis is also provided for
these markets with annual market analytics. The report
profiles 127 companies including many key and niche players
worldwide such as Beiersdorf AG, Blistex Inc., Carma
Laboratories, Chattem Inc., Glaxo, SmithKline PLC, Johnson
& Johnson, Laboratoire Dermophil Indien, LOreal SA, Rohto
Pharmaceuticals Co., Ltd., Mentholatum Company, Inc., The
Body Shop International Plc, Unilever NV, Vichy
Laboratories, and Wyeth Corporation. Market data and
analytics are derived from primary and secondary research.

The major product segments analyzed are Face Care Products

(Facial Moisturizers,Facial Cleansers, & Others), Body &
Hand Care, and Depilatories (Hand & Body Lotions/Creams,
& Others), and, Sun Care Products.The report provides

separate comprehensive analytics for the US, Canada, Japan,

Europe, Asia-Pacific, Latin America, and Rest of World.
Annual forecasts are provided for each region and
product segment for the period of 2001 through 2015. A tenyear historic analysis is also provided for these markets with
annual market analytics. The report profiles 697 companies
including many key and niche players worldwide such as
Amway Corp., Avon Products, Inc., Beiersdorf AG, Chattem,
Inc., Clarins, Estee Lauder, Inc., Johnson & Johnson, AMBI
Skincare, Neutrogena Corp, Kao Corporation, Kao Brands
Company,
Kracie Holdings Ltd., LOreal S.A, Nu Skin Enterprises, Inc.,
Oriflame Cosmetics AB, Playtex Products Inc., Procter &
Gamble, Revlon, Inc., Sara Lee Corporation, ScheringPlough Corp., Shiseido Co. Ltd., and Unilever N V. Market
data and analytics are derived from primary and secondary
research.

RESEARCH METHODOLOGY
METHOD OF DATA COLLECTION
a) Secondary
My research aims to gather primary data for understanding
Consumer behavior through questionnaire.
DATA SOURCE
Secondary data are those which has been collected by some
one else and which already have been passed through
statistical process. Secondary data has been taken from
internet, newspaper, magazines and companies web sites.
There are basically two sources to collect secondary data
a) Internally: Provided by the company/organization
b) Externally: Various publication of central, state and local
Government.
Books, magazines, newspapers Internet. After only keeping in
mind one can think about what type of data has to be collected
during research as our research is concerned we have to gather
secondary data for Customer behaviour .

DATA ANALYSIS :
There is a number of data analysis has been done on the basis
of questionnaire and different basis. Theses basis of
questionnaire has been made on different preference and
buying habit of consumers. The data analysis is given as
follows:

TABLE 1:-EXPENDITURE ON COSMETICS

Expenditure
0-500
500-1500
1500-2500
Above 2500
20%
33%
40%
7%
0-500
500-1500
1500-2500
Above 2500

No of consumers
30
50
60
10

45%
40%
35%
30%
25%
20%
15%
10%
5%
0%
A

Interpretation
The above data shows the expenses percentage of consumers
on cosmetic products. According to this table, 20% of
consumers below 500 Rs. on cosmetic items, 33%peoples
spend Rs.500-1500 on cosmetics.40 % consumers spend
Rs.1500-2500 on cosmetics.
At last remaining 7% consumers spend more than Rs.2500 on
cosmetics.

TABLE 2TRUSTWORTHINESS OF BRANDS

Factors
Product origin
Awards received
Laboratory reports
Editorial recommendation

No. of consumers
30
50
50
20

Chart Title

20%

33%

Interpretation: The above data shows that the 33% of consumers trust on
brands on the basis of awards received by the brands &
laboratory reports. Only 20% of consumers want to know
product origin.

TABLE 3:-SOURCES OF BRAND AWARENESS.

SOURCES
Internet
Seminar
Newspaper
Samples
Leaflets
Words of mouth

NO. Of CONSUMERS
20
10
60
25
10
25

10

12

Interpretation:
The above table shows the different sources from where
consumers are able to know about cosmetic products. 50% of

the consumers are getting aware with the products from

advertising in T.V or some other medium. 28% of the
consumers are get aware about the product by their
friends.23% of consumers are able to know about the products
through some other sources like free sampling, mass media,
brand promotion etc.
TABLE 4:Areas interest the consumer most
Area
Discount
Latest product
Product reviews
Beauty

No. of consumers
60
50
10
30

A
B

Interpretation: -

The above data shows the customer interest.40% of customer

look for discount and 33% of consumers take interest towards
the availability of latest product in the market and 20% are
beauty conscious.

TABLE 5PREFERECE OF DIFFERENT BRANDS (COUNTRY

WISE)
brands
National
International
Local

No. of consumers
82
51
17

55%
34%
11%

A
B
C

Interpretation:
The above data table shows the preference of consumers
towards different brands of cosmetic products on the basis of
country. 55% of consumers prefer the brands of different
national companies. The main reason is less price and
relatively good quality. 34% consumers prefer the brands
international companies or imported products. These
consumers contains models, relatively rich people,
professionals etc. last 11% consumers prefers local goods.

TABLE 6: SHOPPING HABIT OF CONSUMERS FOR PLACE

Places
Malls
Supermarkets
Traditional shops
e-shopping

No. of consumers
32
72
37
9

21%
48%
25%
6%

A
B
C
D

Interpretation:

The above data shows the different habits of consumers

during they are on a way to purchase the products. There was
a time when consumers gone to only one or two stores
available in an area. They purchase only those things which
the retailer gives them. At the time, the consumers have very
limited choice due to unavailability of more retail stores in an
area. But now a day there is a bunch of availability of super
markets, malls, and different ways to shopping. At the present
time, 48% of people goes to a super market, 25% goes to
same old traditional stores, these persons are either
from backward area or some semi urban areas. 21% peoples
goes to malls for shopping, these are the peoples of metro
cities or good developed city like Lucknow, Ahemdabad, and
Pune etc. Remaining 6% people deals with e-shopping.

TABLE 7:AFFECTING FACTORS RESPONSBLE FOR THE

BUYING DECISION.

Effecting factors
Company
Packaging
Brand name
price
BRAND NAME
PRICE3
PACKAGING
COMPANY

No of consumers
17
28
57
48
38%
2%
19%
11%

A
B

Interpretation:
The above table shows the different factors which effects the
buying decision of the consumers. At the present time more
than 35%(38%) of consumers prefers the brand name before
purchasing of a cosmetic product. 32% of consumers prefers
price as a important factor in the purchasing of a cosmetic
product. 19% preference goes to the packaging and remaining
11% preference goes to reputation of companies.

CONCLUSION AND SUGGESTION

CONCLUSION:
As the research has shown the comparison between customer
buying behaviour regarding Indian and International product
in recent time. Since the consumer buying behaviour is the
important factor to forecast the sales of any product in a
particular area. So company should keep close eye on the
market situation. yet, customer were price sensitive, but the
changing market trend and customer view and preference
shown that customer are now quality sensitive .They want
quality product, good services, easy availability of product
and better performance by the product.
These days no of customer buying from malls has been
increased. Also the frequency to visit the malls has been
increased substantially. People are more brands conscious and
they are satisfied with the range of products available there.
We can conclude from our study that still more inclination is
towards indigenous product the preference ratio of indigenous
to imported products is 7: 3This is because of the relatively
higher price of imported product.

Suggestions
1. Customer like best quality product on any price, so
company should add latest technology to their products.
2. after sales services is the area where Indian and
International Company can highly satisfy the existing
customer, because they can make more customers through
Their word of mouth. So Indian and International Company
should provide latest and reliable service to their customers.
3. Customer behaviour always looks for some extra benefit
with purchasing. They demand for affordable price for
product and gifts with purchasing.
4. International Company should make strategy to cater every
income group customers in city. Upper income group are
affordable to purchase but lower income group is not. So
International Company should make policies to send
their product and every home.
5. The Indian company should give more emphasis on
advertising to create market awareness and to make a brand
image in the minds of investors.
6. Companies should do more publicity through road shows,
newspaper and advertisement. As this will create awareness
about the fund and schemes that are at present managed by the
International Company.
7. They should keep a close eye on competitor strategy.
Reference:

News paper: -The Economic Times.

Journals: -Business World, Business Today.
Website: -www.wikipedia.com
www.fmcgmarketers.blogspot.com
www.google.com
www.a2zmba.com
Book: - Philip kotler, Principle of Management
Kothari C R, Research Methodology