Shivneri Institute of Business Management, khanapur

Project Report On SALES AND MARKETING FOR RELIANCE CAPITAL SERVICES Submitted By Mr. Akshay Kumar.

Submitted To Miss Supriya Chetram Business Development Manager

Preface

It is a proud movement for me to put this report before our professor and director. A genuine attempt had made by me to cover all the relevant point regarding to the subject. I have tried my level best to give illustrations in good number so that the understanding & study of topic become easy. The structure of report had designed as per the standard pattern. This report will lay a foundation of vast business solution in future year. I am thankful to Prof, Dr. Jidha sir & our Director Dr. Tripathi for their encouragement & motivation that lead us to successful completion of this report. hope this report will stand as a great solution to many business strategies & policies in future.

ACKNOWLEDGEMENT

I am VISHAL TUKARAM BANSODE student of M.B.A 2nd YEAR, would like to thank my respected Prof. JODHA for giving me an opportunity on the project of SALES AND MARKETING Finally, I would like to thank all my friends who guide me directly or indirectly towards completion of project. to work RELIANCE CAPITAL SERVICES FOR

AP:- Khanapur Tal:- Junnar Dist:- Pune Pin code:-410502 Phone no=(020)020-25456382 Website: www.sibm@shivneri.ac.in

Certificate
certify that Mr. Vishal Bansode MBA (II) of Shivneri Institute of business management, khanapur completed his summer internship at Reliance Capital Services Private ltd. On subject SALES AND MARKETING FOR RELIANCE CAPITAL SERVICES. In the Duration 15th May 2010 to 15th July 2010 As per the criteria of University of PUNE.

Dr. Shantilal Kumavat. (HOD)

Mr.Noorul Ameen. (CEO,)

Dr.Tripathi (Director)

Index

Sr. no 1. 2. 3. 4. 5. 6. 7. 8. 9 10 11 11.1 11.2 11.3 11.4 12 12.1 12.2 12.3 12.4 13 13.1 13.2 13.3 13.4 14 15

Topic Title Preface Acknowledgement Certificate Index Objective of project About company Company profile Company product Product Details Reliance traditional SIAP Key feature How Does this Plan Work Benefits 15 Days Free look period Relaince Imaan Investment Basic Plan Key Feature How Does this Plan Work Benefits 15 Days Free look Period Relaince Life Secure child Basic plan Key Feature How Does this Plan Work Benefits 15 Days Free look period Research Desighn Conclusion

Page no 1 2 3 4 5 6 7 8 10 11 13

SALES AND MARKETING OF RELIANCE CAPITAL SERVICES By sales and marketing ( promotion, response to customer , advertising. ) we cover global customer. Maintain data which helps to marketing (i.e customer

name,address,phone/fax number email id, web site , costumer investment, financial condition and future plan). OBJECTIVES OF PROJECTS To understand the what is RELIANCE CAPITAL SERVICES To understand how to reliance capital services helps to marketing. How to maintain sales and marketing. What are the advantage of sales and marketing. To understand the what is Reliance capital services. How to cover world market by RCS. What is Insurance. How to convence the customer by marketing. How to provide service to customer How to satisfy customer requriments

Business Overview
Reliance Capital, a constituent of S&P CNX Nifty and MSCI India, is a part of the Reliance Anil Dhirubhai Ambani Group. It is one of India's leading, most valuable and fastest growing financial services companies in the private sector. Reliance Capital has interests in asset management and mutual fund; life and general insurance; consumer finance and industrial finance; stock broking; depository services; private equity and proprietary investments; exchanges, asset reconstruction; distribution of financial products and other activities in financial services.

Reliance Mutual Fund is India's largest Mutual Fund with over seven million investors. Reliance Life Insurance is one of India's fastest growing life insurance companies and among the top four private sector insurers. Reliance General Insurance is one of India's fastest growing general insurance companies and among the top three private sector insurers. Reliance Money is one of Indias leading retail brokerage houses and distributors of financial products and services. Reliance Capital has a net worth of Rs. 7,832 crore (US$ 2 billion) and total assets of Rs. 24,210 crore (US$ 5 billion) as on December 31, 2009. Business mix of Reliance Capital Asset Management Insurance Consumer Finance Broking and Distribution Mutual Fund, Portfolio Management, Offshore Fund Life Insurance, General Insurance Mortgages, Vehicle Loans, Loans against shares, Business Loans Stocks Commodities and Derivatives, Wealth Management Services, Portfolio Management Services, Investment Banking, Foreign Exchange and Offshore Investment, Third Party Products Asset Reconstruction, Institutional Broking, Private Equity, Exchanges

Other Businesses

Chairman's Profile
Regarded as one of the foremost corporate leaders of contemporary India, Shri Anil D Ambani, 50, is the chairman of all listed companies of the Reliance ADA Group, namely, Reliance Communications, Reliance Capital, Reliance Infrastructure, Reliance Natural Resources, Reliance Power and Reliance Big Entertainment. He is also Chairman

of the Board of Governors of Dhirubhai Ambani Institute of Information and Communication Technology, Gandhi Nagar, Gujarat. An MBA from the Wharton School of the University of Pennsylvania, Shri Ambani is credited with pioneering several financial innovations in the Indian capital markets. He spearheaded the country's first forays into overseas capital markets with international public offerings of global depositary receipts, convertibles and bonds. Under his chairmanship, the constituent companies of the Reliance ADA group have raised nearly US$ 3 billion from global financial markets in a period of less than 15 months. He is a member of: Wharton Board of Overseers, The Wharton School, USA Central Advisory Committee, Central Electricity Regulatory Commission Board of Governors, Indian Institute of Management, Ahmedabad Board of Governors Indian Institute of Technology, Kanpur In June 2004, he was elected for a six-year term as an independent member of the Rajya Sabha, Upper House of India's Parliament a position he chose to resign voluntarily on March 25, 2006. Awards and Achievements Conferred the 'CEO of the Year 2004' in the Platts Global Energy Awards Rated as one of 'India's Most Admired CEOs' for the sixth consecutive year in the Business Barons - TNS Mode opinion poll, 2004 Conferred 'The Entrepreneur of the Decade Award' by the Bombay Management Association, October 2002 Awarded the First Wharton Indian Alumni Award by the Wharton India Economic Forum (WIEF) in recognition of his contribution to the establishment of Reliance as a global leader in many of its business areas, December 2001 Selected by Asiaweek magazine for its list of 'Leaders of the Millennium in Business and Finance' and was introduced as the only 'new hero' in Business and Finance from India, June 1999

Top Management Profile

Reliance Capital is anchored by a team of experienced and committed visionaries who are dedicated towards scaling the company to greater heights through innovation and excellence; thereby creating value for all our stakeholders.

Amit Bapna (Chief Financial Officer, Reliance Capital)

Amit Bapna, 34, is the Chief Financial Officer at Reliance Capital. He has been with Reliance Capital since 2004 and with the Group since 1999. As CFO, he provides financial direction, oversight and control for Reliance Capital and Group companies and strategic leadership for Treasury. He has over eleven years of experience in varied business environments manufacturing and financial services. He earlier worked in the capacity of CFO of Reliance Capital Asset Management Ltd and Reliance Consumer Finance where he played a key role and had been a significant contributor to the exponential growth of our Asset management business and has brought in operational & process disciplines, which has been invaluable to the Consumer Finance business. Prior to that he worked in the Corporate Treasury of Reliance Industries Ltd. Amit is a chartererd accountant by qualification. He is interested in Travelling, Dining out and watching movies.
Arun Hariharan (President, Quality and Knowledge Management, Reliance Capital)

Arun Hariharan, 42, is President, Quality and Knowledge Management at Reliance Capital. The company has achieved significant business results from Quality and KM initiatives such as Lean Six Sigma and IdeaExpress including over Rs. 100 crore in savings so far. Thousands of employees have participated in these initiatives. Two of Reliance Capitals businesses have won the Economics of Quality commendation Award from the Government of India and also been selected for the Asian Network for Quality Congress, in Japan in 2009. Before joining Reliance Capital in October 2005, Arun led one of the most successful Six Sigma Quality & KM programs in Indian industry at Bharti AirTel. These have now become casestudies at leading business schools, including IIMs. His total work experience spans 23 years across different companies and roles. He is frequently invited to speak at Quality and KM events. He has thrice been Chairperson at the International Quality and Productivity Councils Six Sigma conferences around the world. Recently, he was a key speaker at the World Congress for Total Quality and Corporate Governance. He is the author of several papers and articles in leading international journals on the topics of Quality Leadership and KM. This includes his white paper on Quality lessons for Leadership published by the American Society for Quality. Aruns educational qualifications include an MS (Finance) and MBA, both from the University of Illinois at Chicago, USA. His other interests are reading, travel, and music. K. Achuthan (Chief People Officer, Reliance Capital)

K. Achuthan, 40, is the Chief People Officer at Reliance Capital. He has been with Reliance Capital since 2006. As the Human Resources Leader, he is responsible for conceptualizing and implementing state of the art and relevant Human Resource strategies to accelerate growth at Reliance Capital. He has eighteen years of HR leadership experience in diverse business environments manufacturing, consulting, and financial services. He has worked in India, South East Asia, and in North East Asia. He has held a variety of roles ranging from organization development and staffing, management consulting, union relations, and HR leadership. Achuthans last job was at General Electric. He is a post-graduate in social work from Madras University. He is also a trained CAP coach and facilitator. He has delivered several training sessions on Change Acceleration, Work-Out and Facilitative Leadership skills. Achuthans is interested in hiking, photography, and playing the keyboard. K. A. Somasekharan (Chief Executive Officer, Reliance General Insurance)

K. A. Somasekharan, 59, has 30 years of experience in General Insurance. Soma took over as CEO of Reliance General Insurance in April 2005. He is instrumental in making Reliance General Insurance grow, fast. Under Soma's inspiring leadership, RGI's top-line has grown nearly 12 times to Rs. 1,915 crore as on March 31, 2009, becoming the third largest private General Insurance company. Soma's biggest achievement though is the creation of a network of 200 offices across 172 cities with 7,800 intermediaries along with setting up RGI's retail business virtually from scratch. Before becoming the CEO of Reliance General Insurance, Soma served as Vice President, Corporate Marketing of RGI in Mumbai. Prior to this, he was associated with United India Insurance and last served in the capacity of Regional Manager. When free, he reads books and magazines of all genres. K. V. Srinivasan (Chief Executive Officer, Reliance Consumer Finance)

K. V. Srinivasan, 44, is the CEO of Reliance Consumer Finance and of Reliance Home Finance; both are subsidiaries of Reliance Capital. KV has been leading the consumer finance business since December 2007. He has been instrumental in building a strong team to accelerate growth, responsibly. KV oversees both the companies that are building a quality portfolio of assets, and delivering significant return on investments. He has been with the Reliance Capital for the past four years. Earlier, he was the COO of Reliance Life insurance, during which time that company became India's fastest growing life insurance company-having grown from 11th to 4th place. Before joining Reliance Capital, he

was the Financial Controller and Company Secretary of Citicorp Finance, a Citibank subsidiary. KV has done his MBA from IIM, Ahmedabad. He is an outdoor and fitness enthusiast, and is very passionate about music. Lav Chaturvedi (Chief Risk Officer, Reliance Capital)

Lav Chaturvedi, 33, is the Chief Risk Officer for Reliance Capital since October 2008. He is responsible for assessing and managing enterprise-wide risks at the group level covering various risks such as credit, market, operations, etc. across all businesses and geographies and risk aggregation for centralized risk and capital management. He is responsible for integral Internal Audit function at group level. He has been instrumental in developing best-inclass risk management capabilities and culture by creating a clear direct line of sight from risk management to stakeholder value. Before this, he was the Head, Risk Management in Reliance Mutual Fund, which he joined in January 2007. Lav has worked with Ips Sendero, subsidiary of Fiserv (a Fortune 500 company), in Scottsdale, Arizona, USA at the senior management level, providing strategic and tactical consulting on balance sheet management to the clients and assisting in the resolution of advanced analytical and policy issues. He has rich and in-depth exposure to the entire spectrum of commercial as well as financial functions in the corporate finance, banking and consulting industries at the domestic as well as international level. Lav has an MBA from Syracuse University, New York. He is also a Chartered Financial Analyst from the CFA Institute, USA. He is a steering committee member of PRMIA's Mumbai Chapter (Professional Risk Managers' International Association). Lav is a great sports enthusiast and loves to play tennis, basketball, and racket-ball. Madhusudan Kela (Head - Equity Investments, Reliance Capital Asset Management)

Madhusudan Kela, B.Com, MMS, is the Head of Equity Investments at Reliance Capital Asset Management Ltd. He has accumulated over 13 years valuable experience in sales and dealing. His last assignment was with Reliance Capital Ltd as Vice President, looking after Equity Investments. Prior to joining the Reliance Group, Kela spent valuable time with Peregrine Securities as the Vice President, Equity Sales and Dealing. Before Peregrine, he held similar positions with UBS Securities and Motilal Oswal.
Malay Ghosh (President, Reliance Life Insurance)

Malay Ghosh, 49 is the President of Reliance Life Insurance. He is an ardent believer in a collaborative managerial style, but his focus remains on all-round growth with profitability. He joined Reliance Capital in April 2008 as Deputy CEO of Reliance Life Insurance where he led its Sales, Distribution, Retention and Product Development functions. He played a pivotal role in steering the company on the growth path despite challenging market conditions and ensured remarkable success. In FY 08-09 the company grew by 28% when the industry contracted by 6%. With over 24 years experience in the life insurance industry he brings to the table rich exposure, knowledge and operational excellence. His last job was with Bajaj Allianz Life Insurance where as Head of Sales he spearheaded the company on the growth path with his aggressive sales and distribution acumen. Malay holds a Masters degree in Statistics from the Indian Statistical Institute, Kolkata. He is an avid reader and enjoys listening to Rabindra Sangeet. He has a keen interest in teaching due to his passion for spending time with young minds. He is also associated with an NGO working in the area of poverty alleviation and primary education as its Chief Mentor. Noorul Ameen (Chief Executive Officer, Reliance Capital Services)

Noorul Ameen, 35, is the CEO of Reliance Capital Services. This was started in 2008 to cross-sell Reliance Capital's different offerings to the shareholders, customers, and employees of the entire Reliance-Anil Dhirubhai Ambani Group. In one year, RCS has got 60,000 customers that are served by 2,000 employees from 47 offices in the country. Noorul was earlier with Bajaj Allianz, where he headed its specialized distribution arm, Bajaj Allianz Financial Distributors. He has always been in the financial services industry. Noorul has completed his studies from Bangalore. He is always optimistic, enthusiastic and very passionate about his work, though he is hardly able to spare some time towards his other passion for driving on long drives, listening to music. He also loves watching cricket, besides having interest in golf and Snooker too

Rajnikant Patel (President & CEO, Reliance Exchange Next)

Rajnikant Patel, 48, is the President and CEO of Reliance Exchange Next. He is heading the Exchange Initiatives of Reliance ADA Group at Reliance Capital as a separate business vertical. He has set up a new exchange called Reliance Spot Exchange which aims to bring the physical markets (mandis) to a national level through a single electronic screen and build national infrastructure for the Spot Markets. He joined Reliance Money in October 2008. An accomplished banker, Rajnikant had a long stint with the banking regulator, Reserve Bank of India. He has also worked with both Public sector banks and with Multinational Bank like State Bank of Saurashtra, Bank of Maharashtra, and BNP PARIBAS. Prior to joining Reliance Capital, he was the MD & CEO of Bombay Stock Exchange (BSE). He spearheaded the Corporatization and Demutualization of BSE making BSE the first Indian Exchange to do so. He has been a member of the Working committee of the World Federation of the Exchanges (WFE) and the longest serving Chairman of South Asian Federation of Exchanges (SAFE). He is the recipient of awards like Indira Super Achiever Award and Accor HR ExcellenceCEO with HR Orientation Award. He is the Distinguished Fellow of the Institute of Directors, London. He holds Masters in Commerce with a degree in Law and Banking. An avid reader, he loves motorcycling. He has even participated in a National Motorcycle Rally. He is also interested in photography and occasionally writes poetry. Sam Ghosh (Chief Executive Officer, Reliance Capital)

Sam Ghosh, 50, is the Group Chief Executive Officer of Reliance Capital. He joined the company in April 2008. Before joining Reliance Capital, Sam was the Regional CEO of Middle East and India Sub Continent region of Allianz, a German insurance company. Earlier, he was the CEO of Bajaj Allianz's India operations. Prior to that he was involved in setting up operations for Allianz in South East Asia. He spent ten years in Australia in various capacities with Allianz from CFO to managing subsidiary companies as well as operations in the Pacific Rim. Sam Ghosh is a Chartered Accountant from England. He is an avid reader of all genres in his spare time. Sandeep Phanasgaonkar (Chief Technology Officer, Reliance Capital)

Sandeep Phanasgaonkar is President & Chief Technology Officer for Reliance Capital Ltd. Sandeep is responsible for all IT initiatives at Reliance Capital. Sandeep has over 24 years of experience in applying IT solutions for finance, banking and BPO and IT-enabled services. He began his career with the State Bank of India and has worked with Tata Infotech, iFLEX Solutions and with Deutsche Bank as its Regional-Asia Technology Head. He joins Reliance Capital from Genpact where he was the Global Chief Information Officer. Sandeep led the critical IT Transition of Genpact from GE and was responsible for global IT delivery and driving operating efficiencies across India and the global locations of the company. Sandeep's current role as CTO for Reliance Capital requires him to drive both Line-of-Business (LOB) specific initiatives and pan-Capital, strategic initiatives for the enterprise. This leverages synergy between different Line-of-Business functions, creating a differentiating value proposition for the company's services and products and also a whole, new service and relationship proposition for the customer. He is also focusing very keenly on driving productivity and taking cost out of IT and business operations and giving a whole new meaning to the phrase "doing more with less". Sandeep is an MBA from Jamnalal Bajaj Institute of Mgmt Studies, Mumbai. Sanjay Jain (Chief Marketing Officer, Reliance Capital)

Sanjay Jain, 42, is the Chief Marketing Officer of Reliance Capital. He works very closely with all Relaince Capital companies in defining their marketing and brand strategies. Sanjay has been with Reliance Capital since August 2008. He brings eighteen years of strong and diverse experience as a marketing and management executive with extensive experience in marketing, product and brand development, new launches, strategic planning, developing new business opportunities and project management. His last job was with Bajaj Allianz as Marketing Head. Hes also worked with other leading organisations like The Coca-Cola Co., Ogilvy, and the Times of India Group and Bajaj Allianz. Sanjay loves adventure sports, going out to watch games with friends at the stadiums, exploring new territories, and watching Bollywood movies. Sundeep Sikka (Chief Executive Officer, Reliance Capital Asset Management)

Sundeep Sikka, 37, is the Chief Executive Officer of Reliance Capital Asset Management, which runs Indias largest mutual fund, Reliance Mutual Fund. Before becoming the CEO in January 2009, he was the Deputy CEO of the company. Sundeep has been with RCAM since October 2003 and in that time he has been instrumental in expanding RCAMs footprints in both domestic

and international territories. Sundeep and has more than fifteen years of leadership experience with NBFCs and Banks. Sundeep brings a proven track record of success and a broad understanding of the company's business. Prior to RCAM, Sundeep has held a number of other senior management positions; his last stint was with ICICI Bank. Sundeep has an MBA from Pune University. His hobbies are reading and traveling. Vikrant Gugnani (Chief Executive Officer, International Business- Reliance Capital)

Vikrant Gugnani, 39, is the CEO, International Businesses, of Reliance Capital Ltd - one of Indias largest financial services companies with over 20 million customers. In his current role, Vikrant leads international business strategy across all lines of Reliance Capital businesses. He has successfully established a global footprint for Reliance Capital in asset management in Singapore and Malaysia and wealth management in UAE. A Chartered Accountant & a commerce graduate from Delhi University, Vikrant has over 19 years of extensive experience in the financial industry and has worked in various countries with global firms like Citibank and S. B. Billimoria & Co (now Deloitte Haskins). Prior to his current assignment, he was the CEO of Reliance Capital Asset Management (RCAM) Limited in India. Under his leadership, the company saw its asset under management surge from USD 3 billion to USD 22 billion and its net profit increase from USD 3 million to USD 28 million. RCAM, today, is the largest asset management company in India. In January 2009, Asia Asset Management (an Asian Pensions & Investments Journal) awarded Vikrant as CEO of the year (2008) for India. Vikrant has also been listed by the Asian Investor magazine as one of the 25 most influential people in asset management in Asia in May 2009. In addition to his existing profile, Vikrant Gugnani is the Executive Director of Reliance Securities Ltd - a broking and distribution company offering Equity and Derivatives trading, distribution of Mutual Fund and IPOs, Portfolio Management, Wealth Management and Investment Banking. Vikrant is passionate about traveling and playing golf. (Executive Director, Reliance Securities Ltd)
V. R. Mohan (Company Secretary, Reliance Capital)

About Company Reliance Capital Services Pvt Ltd Sales and marketing of Reliance Capital Financial product

Chairman : Mr. Vinod Haritwal Address : Reliance capital Services Pvt Ltd 501, sacred world, South Block, 5th Floor, wanowari, Maharashtra (India) Phone no : (020)30496515 Fax : (91)-(22)-28429861 E-mail : sangam.singh@rcapservices.co.in Web site : www.Reliancelife.com

Company profile Reliance Life Insurance Company Limited, a Reliance Capital Company is a part of Reliance - Anil Dhirubhai Ambani Group. Reliance Capital Limited is one of India's leading private sector financial services companies. Reliance Life Insurance offers you products that fulfill your savings and protection needs. Our aim is to emerge as a transnational Life Insurer of global scale and standard. Reliance Capital Limited has interests in asset management and mutual funds, stock broking, life and general insurance, proprietary investments, private equity and other activities in financial services. Reliance Anil Dhirubhai Ambani Group also has presence in Communications, Energy, Natural Resources, Media, Entertainment, Healthcare and Infrastructure. Reliance Life Insurance Company Limited is a part of Reliance Capital Ltd. of the Reliance - Anil Dhirubhai Ambani Group. Reliance Life Insurance is another step forward for Reliance Capital Limited to offer need based Life Insurance solutions to individuals and Corporates.

Reliance Capital Ltd. is one of Indias leading and fastest growing private sector financial services companies, and ranks among the top 3 private sector financial services and banking companies, in terms of net worth. Reliance Capital Ltd. has interests in asset management, life and general insurance, private equity and proprietary investments, stock broking and other financial services. We believe that you are the force behind the company. And with your growth will come the drive that can take this company to higher and stronger levels. Creating a huge wave of satisfaction, not only for our customers and us, but for your career as well. When Dhirubhai embarked on his first business venture, he had a seed capital of barely US$ 300 (around Rs 14,000). Over the next three and a half decades, he converted this fledgling enterprise into a Rs 60,000 crore colossus an achievement which earned Reliance a place on the global Fortune 500 list, the first ever Indian private company to do so. Dhirubhai is widely regarded as the father of Indias capital markets. In 1977, when Reliance Textile Industries Limited first went public, the Indian stock market was a place patronised by a small club of elite investors which dabbled in a handful of stocks. Undaunted, Dhirubhai managed to convince a large number of first-time retail investors to participate in the unfolding Reliance story and put their hard-earned money in the Reliance Textile IPO, promising them, in exchange for their trust, substantial return on their investments. It was to be the start of one of great stories of mutual respect and reciprocal gain in the Indian markets. Under Dhirubhais extraordinary vision and leadership, Reliance scripted one of the greatest growth stories in corporate history anywhere in the world, and went on to become Indias largest private sector enterprise.

COMPANY PRODUCT

1] Reliance Life Insurance Reliance Traditional Super Invest Assure Plan

2] Reliance Imaan investment Basic Plan Reliance life insurance Policies

3] Reliance Life Secure Child Basic Plan - Child Life Insurance,Children Saving Plan, Child Protection plan in India.

PRODUCT DETAILS:1] Reliance Life Insurance Reliance Traditional Super InvestAssure Plan

You have always aspired for the best in life. And we help you achieve that. Here's a unique plan which combines protection and savings. It also offers complete flexibility to gain control over your investments vis--vis your financial needs and risk appetite. We value your regular investments and thus reward you with Guaranteed Addition thus promising unmatched benefits. This plan also offers you a unique option of moving from a conservative fund to an aggressive fund systematically, to take advantage of the Rupee cost averaging model. A plan that promises you, what you ought to deserve as you reach greater heights in life. What more can you ask for except gifting yourself with Reliance Super InvestAssure Basic Plan. Key Features Twin benefit of market linked return and insurance protection Guaranteed addition of 250% of basic regular annualised premium at maturity

Investment opportunity with flexibility -Choose from 8 pure investment fund options Option to pay Top-up Premium(s) Liquidity in the form of partial withdrawals A host of optional rider benefits to enhance protection cover

How does this Plan work? As a customer you have the liberty to choose between eight fund options. The premium contributions made by you, net of Premium Allocation Charges are invested in funds of your choice. The units are allocated depending on the price of units for the funds. The Fund Value is the total value of units that you hold across all the unitlinked funds. As a Guaranteed Addition, 250% of basic regular annualised premium (excluding rider premiums) will be added to the Fund Value at maturity, provided the policy is in force and all the due premiums are paid. Sum Assured Minimum Sum Assured: Five times of Annualised Premium Maximum Sum Assured: Depends on the age at entry. Age at entry (last birthday) 0 to 40 41 to 45 46 to 50 51 to 55 56 and above Maximum Sum Assured 30 times of Annualised Premium 20 times of Annualised Premium 15 times of Annualised Premium 10 times of Annualised Premium 5 times of the Annualised Premium

Benefits Life Cover Benefit: If death of the life assured occurs before commencement of risk cover#, Total fund value as on the date of intimation of death will be paid If death of the life assured occurs after commencement of the risk cover# but before the 60th birthday, the higher of I or II will be paid, where I. Sum Assured (less all partial withdrawals made from the policy fund during the 24 months prior to the date of death) II. Total fund value as on the date of intimation of death. If death of the life assured occurs on or after 60th birthday, the higher of I or II will be paid, where I. Sum Assured (less all partial withdrawals made from the policy fund during the 24 months before attaining 60th birthday and all withdrawals made from the policy fund after attaining 60th birthday) II. Total fund value as on the date of intimation of death. The policy terminates on payment of death benefit. #Commencement of risk cover on the Life Assured will depend on the age of the Life Assured on commencement of the policy. If age of the Life Assured on commencement of the policy is less than 6 years last birthday, the risk cover on the life of the Life Assured will commence either one year from the date of commencement of the policy or from the policy anniversary falling on or immediately after the sixth birthday of the Life Assured whichever is later If age of the Life Assured on commencement of the policy is equal to or more than 6 years last birthday but less than 12 years last birthday then the risk cover on the Life Assured will commence after one year from the date of commencement of the policy.

If age of the Life Assured on commencement of the policy is equal to or greater than 12 years last birthday, the risk cover on the Life Assured will commence immediately. Maturity Benefit On survival of the life assured to maturity, the total fund value related to the basic plan including the fund value related to the Guaranteed Additions will be paid. The policy terminates on payment of maturity benefit. Rider Benefits You can add following optional rider benefits: Reliance New Major Surgical Benefit Rider Reliance New Critical Conditions(25) Rider Reliance Term Life Insurance Benefit Rider Reliance Accidental Death and Total and Permanent Disablement Rider Pay Top-up Premium(s): You can use your bonus or some lump sum money to increase investments component. The minimum top-up is Rs. 2,500. The total top-up premiums at all times should not exceed 25% of the total regular premiums paid till that time. Top-up are accepted only when due basic premiums are paid up to date. Partial Withdrawals: Partial withdrawals are available after a period of 3 years from the date of commencement of the policy or on attainment of age 18 by the life assured whichever is later. There would be a 3-years lock-in period on the top-up premium(s) from the date of payment of each top-up premium(s). This condition will not apply if top-up premium(s) are paid during the last 3 years before the maturity. The minimum amount of partial withdrawal is Rs. 5000 and the maximum amount should not exceed 20% of the policy fund value in that policy year. However, at any point of time during the policy term, the minimum fund balance after the partial withdrawal should be at least equal

to 125% of the annualized premium. Partial Withdrawal charges applicable. Refer the section on Charges.

Exchange Option: This option is available for existing policyholders of Reliance Life Insurance Company Ltd after completion of 3 policy years from the date of commencement. Under this option, the policy holder can transfer policy benefits (surrender, maturity etc.) either fully or partially to another plan of Reliance Life Insurance Company Ltd, having exchange options facility at a reduced allocation charge. This option must be exercised at least 30 days before the receipt of benefit under the policy. Age at entry Age at Maturity Policy Term Premimum MINIMUM 30 days 20 years last birth day 20 years Yearly Rs- 10,000 Half yearly Rs-5000 Quarterly Rs- 2,500 Monthly Rs- 1000 MAXIMUM 60 years last birth day 80 years last birth day 30 years No Limit

What happens if I discontinue paying premiums? Within three years of inception of the policy: If premiums have not been paid for at least three consecutive years from the inception, the insurance benefits and rider benefits if any will cease immediately.

However, the policyholder will continue to participate in the performance of unit funds. The monthly administration charges will be deducted from the Fund Value by cancellation of units. The fund management charge will be priced in the unit value. After paying at least 3 full years' premiums: If subsequent premiums are unpaid, the policy would remain in force with the insurance benefit intact. The rider benefits if any will cease immediately. The mortality and other charges will continue to be deducted. What if I want to discontinue the Policy? You may make full surrender of your policy at any time after 3 years from commencement of the policy. The surrender value under the basic plan will be Total fund value less surrender charge. Whenever full surrender value of basic plan is paid, the surrender value of any attaching top-up premium(s), if any will also be paid. In case of topup premium(s), the surrender value will be payable on completion of 3years from the date of payment of top-up premium(s). This condition will not apply if top-up premium(s) are paid during the last 3 years before the maturity.The surrender charge is not applicable on top-up premium(s). The surrender value is therefore equal to the fund value under the top-up premium(s). Grace Period for payment of premiums There is a grace period of 30 days from the due date for payment of regular premiums. In case of monthly mode, the grace period is of 15 days. A policy lapses if premiums are not paid within the days of grace. 15 day free look period In the event the policyholder disagree with any of the terms and conditions of the policy, he/she may return the policy to the Company within 15 days of its receipt for cancellation, stating his/her objections in which case he/she shall be entitled to a refund of the premium paid,

subject only to a deduction of a proportionate risk premium for the period on cover and the expenses incurred by the insurer on medical examination of the life assured and stamp duty charges. Tax Benefit Premium paid under the basic policy, Reliance Term life insurance benefit rider and Reliance Accidental Death and Total and Permanent Disablement Rider are eligible for tax deduction u/s 80C of the Income Tax Act, 1961, provided the annual premium during the year does not exceed 20% of the Sum Assured. Premium paid under Reliance New Major Surgical Benefit rider and Reliance New Critical Conditions (25) riders are eligible for tax deduction u/s 80D of the Act. The benefits under this plan and riders are tax exempt u/s 10 (10D) of the Act subject to conditions. Service tax and education cess will be charged extra as per applicable rates. Please note that all benefits payable under the policy are subject to tax laws and other financial enactments as they may exist from time to time. You are recommended to consult your tax advisor. Premium Allocation Charge: Premium Allocation Charges are deducted from premiums as they are paid before allocation of units each time a premium is received. The allocation charge on the top-up premium(s) will be @ 2% of the top up premium(s) General Exclusion: If the Life Assured commits suicide for any reason, while sane or insane, within 12 months from the date of commencement of this policy or the date of any revival of the policy this policy shall be treated as null and void, and the Company will limit the death benefit to the Fund Value and will not pay any insured benefit. Revision of charges The revision in charges, except service tax charge inclusive educational cess will take place only after obtaining

specific approval of the IRDA. A notice of 3 months will be given to the policyholders before any revision in the charges. However Maximum FMC on any fund will be up to1.35% p.a. The policy administration charge will not exceed Rs.80 per month per policy. The switching charge and charge for selecting STP option can be increased up to Rs. 500 per transaction. The premium rates for Reliance New Major Surgical Benefit Rider and Reliance New Critical Conditions (25) Rider may change after 3 years period 2] Reliance Imaan investment Basic Plan Reliance life insurance Polocies

Reliance Imaan Investment Basic Plan gives you just thatample freedom! And we make this freedom more enjoyable by giving you a sense of security. Whether it's your insurance or investments, we let you make the choice and leave the rest to us. So allow us to take over and rest assured, because for us your LIFE comes FIRST always. We present a plan that promises what you deserve as you reach greater heights in life. For the select few like you, Reliance Imaan Investment Basic Plan is an enhanced Unit Linked plan addressing comprehensive needs to strike that perfect balance of Protection and Savings as you grow in your career. Key Features Regular and limited premium paying options Unmatched flexibility through our "Exchange Option" to move between Reliance suite of unit linked products Liquidity in the form of partial withdrawal How does this Plan work? The premium contributions made by you, net of Premium

Allocation Charges are invested in an unit linked fund, New Indian Traditional Fund and units are allocated depending on the price of units for the fund The Fund Value is the total value of units that you hold in the fund. The Mortality Charges and Policy Administration Charges are deducted through cancellation of units whereas the Fund Management Charge is priced in the unit value.

Benefits Life Cover Benefit: Commencement of risk cover on the Life Assured will depend on the age of the Life Assured on commencement of the policy. If age of the Life Assured on commencement of the policy is less than 6 years last birthday, the risk cover on the life of the Life Assured will commence either one year from the date of commencement of the policy or from the policy anniversary falling on or immediately after the sixth birthday of the Life Assured whichever is later If age of the Life Assured on commencement of the policy is equal to or more than 6 years last birthday but less than 12 years last birthday then the risk cover on the Life Assured will commence after one year from the date of commencement of the policy. If age of the Life Assured on commencement of the policy is equal to or greater than 12 years last birthday, the risk cover on the Life Assured will commence immediately Minimum and Maximum Sum Assured Minimum sum Assured: The minimum sum assured is 5 times the amount of the annualised Premium. Maximum sum assured

Age at entry (last birthday) 0 to 40 41 to 45 46 to 50 51 to 55 56 and above

Maximum Sum Assured as multiples of Annualised Premium 30 times of Annualised Premium 20 times of Annualised Premium 15 times of Annualised Premium 10 times of Annualised Premium 5 times of Annualised Premium

Maturity Benefit: On survival of the life assured to maturity, the Fund Value relating to the basic policy and top-ups will be paid. The policy terminates on payment of maturity benefit. a) Pay top-ups:

If you have received a bonus or some lump sum money you can use that as a top-up to increase the investments component in your Policy. Top-ups can be accepted only where the due basic regular/limited premiums are paid up to date. The total top-up premiums at any point in time will not exceed 25% of the total regular/limited premiums paid till that time. The minimum top-up premium at any time is Rs.2,500. Payment of top-ups would not result in increase in sum assured. b) Exchange option: This option is available to for existing Reliance Imaan Investment Basic Plan Policyholders after completion of three policy years from the date of commencement. Under this option, the policy holder can transfer policy benefits (surrender, maturity etc.) either fully or partially to our any another plan

wherein this option is available. This option must be exercised at least 30 days before the receipt of benefit under the policy. The terms and conditions as specified in the opted policy document would apply to the policy holder opting for the 'Exchange Option'. If a policyholder is opting for Reliance Imaan Investment Basic Plan under exchange option, the allocation charge in year of exchange will be 5% of the annualised premium. Regular allocation charges would apply to the balance of the policy term. If the exchange option is used to pay top ups in Reliance Imaan Investment Basic plan, the allocation charge in the year exchange will be 1% of the top up amount. c) Partial Withdrawals: You are allowed to make partial withdrawals after the completion of three policy anniversaries or on attainment of age 18 by the life assured whichever is later. There would be a 3-years lock-in period on the top-ups for the purpose of partial withdrawals. The lock-in on top-ups shall apply from the date of payment of each top-up. However, this condition will not apply if top ups are paid during the last three years before the maturity. All partial withdrawals made shall be allowed from the top-up account as long as top-up account supports partial withdrawals (i.e. the total top-up balance amount). Partial withdrawals with respect to basic plan shall only be counted for the purpose of adjusting the base sum assured to be payable on death as detailed below. On a partial withdrawal while your age is less than 60 years last birthday, the Sum Assured under the Basic Plan will be reduced by the amount of partial withdrawals made in the preceding 24 months of the date of partial withdrawal. On a partial withdrawal while your age is equal to or greater than 60 years last birthday, the Sum Assured under the Basic Plan will

be reduced by the amount of partial withdrawals made in the 24 months preceding the 60th birthday of the policyholder and all partial withdrawals after the 60th birthday. The minimum amount of partial withdrawal that can be taken at any time is Rs. 5000 and the maximum partial withdrawal amount should not exceed 20% of the fund value at the time of withdrawal. However, at any point of time during the policy term, the minimum fund balance after the partial withdrawal should be at least equal to 125% of the annualised premium. Charges for partial withdrawal from the basic policy fund are mentioned below. No partial withdrawal charge is applicable for withdrawal from top-ups fund. Reliance Imaan Investment Basic Plan at-a-glance Basic Plan Minimum Maximum Age at entry 30 Days 65 Years last Birthday Age at Maturity 15 Years Last Birthday 80 Years last Birthday Policy Term 15 years 30 Years What if I want to discontinue the Policy? You may make full surrender or partial withdrawal of your Policy at any time after three years from commencement of the policy. The surrender value or partial withdrawal value will be available after this period. The surrender value or partial withdrawal value will be fund value less surrender charge or partial withdrawal charge as mentioned below under the section on Charges under the policy. For top ups, the surrender value and partial withdrawal value will be payable on completion of three years from the date of payment of top up. This restriction of three year lock in period is not applicable in respect of top ups paid during the last three years of the policy.The surrender charge or partial withdrawal charge is not applicable on top-up. The surrender value and partial

withdrawal value is therefore equal to the fund value under the top-ups. Whenever the Basic Plan is surrendered in full, the surrender value of any attaching top up will also be paid even if a period of three years has not elapsed from the date of payment of top up. Grace Period for payment of premiums There is a grace period of 30 days from the due date for payment of regular/limited premiums. In case of monthly mode, the grace period is of 15 days. A policy lapses if premiums are not paid within the days of grace.

What happens if I discontinue paying premiums? i) Within three years of the inception of the policy: If the due premiums have not been paid for at least three consecutive years the insurance cover will cease immediately. However, you will continue to participate in the performance of unit funds chosen by you. The monthly administration charges will be deducted from your account by cancellation of units and the fund management charge will be priced in the unit value. In case of death of Life Assured before the policy is revived, the Fund value will be paid to the nominee. You may revive the policy by recommencing the payment of premium within a period of two years from the due date of first unpaid premium or before the maturity date of the policy whichever is earlier In case the contract is not revived during revival period, the contract shall be terminated and the surrender value, if any, shall be paid the end of the period allowed for revival. ii) After paying of at least 3 full years' premiums: If

due premiums have been paid for at least three consecutive years and subsequent premiums are unpaid, the policy will remains in force with sum assured intact. The mortality and administration charges will be deducted from your account by cancellation of units. The fund management charge will be priced in the unit value. You will continue to participate in the performance of the unit funds chosen by you. You may revive the policy by recommencing the payment of premium within a period of two years from the due date of first unpaid premium or before the maturity date of the policy whichever is earlier. , If the policy is not revived at the end of the allowed period for revival, the policy shall be terminated by paying the surrender value. However, you may opt to continue the policy even beyond the revival period (but not beyond the maturity date of the policy). The mortality and administration charges will be deducted from your account by canceling the units. You will continue to participate in the performance of the unit funds chosen by you. This option will be available until the fund value does not fall below an amount equivalent to one full year's premium plus the surrender charge, if any. If at any point of time, the fund value reaches an amount equivalent to one full year's premium plus surrender charge, if any, the policy will be terminated by paying the one annualised premium. In case of limited premium policies, annualised premium for this purpose will be defined as installment premium for one year multiplied by premium payment term and divided by policy term. Grace Period for payment of premiums There is a grace period of 30 days from the due date for payment of regular/limited premiums. In case of monthly mode, the grace period is of 15 days. A policy lapses if

premiums are not paid within the days of grace. Tax Benefit As per current tax rules premiums paid are eligible for tax deduction under Section 80C of the Income Tax Act, 1961. Provided the premium in any year during the term of the Policy does not exceed 20% of the Sum Assured, maturity and withdrawals are eligible for tax benefit under Section 10(10D). Death benefit are tax free under Section 10(10) D of the Income Tax Act, 1961. Under Section 80C premiums up to Rs 100,000 are allowed as deduction from your taxable income. Service tax and education cess will be charged extra as per applicable rates. Please note that all benefits payable under the policy are subject to tax laws and other financial enactments as they may exist from time to time. You are recommended to consult your tax advisor. General Exclusion If the Life Assured, whether sane or insane, commits suicide within 12 months from the date of issue of this Policy or the date of any revival of a Policy, the Company will limit the death benefit to the Fund value and will not pay any insured benefit. 15 day free look period In case the Policyholder disagrees with any of the terms and conditions of the policy, he/she may return the policy to the Company within 15 days of its receipt for cancellation, stating his/her objections in which case the company will refund an amount equal to the non allocated premium plus the charges levied by cancellation of units plus fund value at the date of cancellation, less the proportionate premium for the period the company has been on risk and the expenses incurred by the company on medical examination and stamp duty charges.

3] Reliance Life Secure Child Basic Plan - Child Life Insurance, Saving & Protection plan in India.

Key Features Insurance cover on the life of child Money at critical milestones in your child's career path - college education, higher education, marriage You child is completely protected - we will continue to pay the premiums even if you are not alive Life time income to child in the event of disability Return Shield option to protect your investment returns Liquidity in the form of partial withdrawals Guarantee of 95% of the regular premium paid

available on maturity and on death of the child under Regular Premium basic policy. Option to package with Reliance New Major Surgical Benefit Rider, Reliance New Critical Conditions (25) Rider, Reliance Term Life Insurance Benefit Rider, Reliance Accidental Death and Total and Permanent Disablement Rider. Guaranteed addition of 1% of the premiums paid under basic plan and top ups How does this Plan work? This is a non profit unit linked endowment plan where the life insured is the child with premium waiver benefit on death of the parent (father or mother). The premium contributed by you net of Premium Allocation Charges is invested in fund option of your choice for a specified period of time as selected by you and units are allocated depending on the price of units for the fund/funds. The Fund Value is the total value of units that you hold in the fund/funds. The sum assured under the policy is fixed on the basis of the selected annual premium and policy term. Benefits Guarantee under the Regular premium base Policy on maturity of the policy: 95% of total Premiums paid under the Regular premium basic policy (excluding extra or additional premiums) are guaranteed on maturity of the policy provided no partial withdrawal was made from the basic plan except redemption of points from e-Account for availing of services of web based community and that New Equity Fund, New Mid-Cap Fund, New Infrastructure Fund, New Energy Fund and New Pure Equity fund was not selected at any time and that the policy was in full force on the date of maturity. Commencement of risk cover: Commencement of risk cover on the life of child will depend on the age

of the child on commencement of the policy. If age of the child on commencement of the policy is less than 6 years last birthday, the risk cover on the life of the child will commence either one year from the date of commencement of the policy or from the policy anniversary falling on or immediately after the sixth birthday of the child whichever is later If age of the child on commencement of the policy is equal to or more than 6 years last birthday but less than 12 years last birthday then the risk cover on the life of child will commence one year after from the date of commencement of the policy. If age of the child on commencement of the policy is equal to or greater than 12 years last birthday, the risk cover on the life of child will commence immediately.

Life Cover Benefit: The amount of death benefit depends on whether the death of the child occurs before or after commencement of risk cover. A. Death of Child Case 1: If death of the child occurs after commencement of risk cover, the death benefit will be a) If mode of premium payment is Regular, Maximum of i) Sum assured ii) Fund value (including fund value under Return Shield Fund and e-Account) as on the date of intimation of death relating to the basic policy iii) 95% of total Regular Premiums paid under the Regular premium basic Policy less extra or additional premiums if any provided no partial withdrawals were made any fund except redemption of points from e-Account

for availing of services of web based community and that the New Equity Fund, New Mid-Cap Fund, New Infrastructure Fund, New Energy Fund and New Pure Equity fund was not selected at any time during the policy term. Fund Value ( including fund value under New Return Shield Fund and e - Account) under top-ups (if any), as on the date of intimation of death. b) If the mode of premium payment is Limited or Single Maximum of i) Sum assured ii) Total Fund value (including fund value under New Return Shield Fund and eAccount) under Basic Plan as on the date of intimation of death Plus Fund Value (including fund value under New Return Shield Fund and e- Account) under top-ups (if any), as on the date of intimation of death Case 2: If death of the child occurs before commencement of risk cover, the death benefit will be Fund value (including fund value under New Return Shield Fund and e - Account) as on the date of intimation of death relating to the basic policy Fund Value (including fund value under New Return Shield Fund and e - Account) under topup contributions (if any), as on the date of intimation of death, Both under Case 1 and Case 2, the claim amount is payable to the parent or, to the child's estate, in case the parent had pre-deceased the child.

The policy terminates on payment of the death benefit for the child. B. Death of the Parent: In the event of the death of the parent provided the policy is in full force all future premiums are waived thereafter for the remaining policy term. The policy continues and the Company will continue to pay the original premiums as chosen by the policyholder on due dates. C. Total & permanent disability of the child: If the child who gets totally & permanently disabled as a result of an accident during the policy term , after commencement of the risk cover, fixed income at a rate of 10% of the sum assured under the policy, per annum will be paid to the child throughout his/her life. The policy contract will continue with all other benefits. ''total and permanent disablement'' means that the life assured has solely and directly as a result of an accident caused by outward, violent and visible means suffered for at least six months from any of the disability as follows: Total and irrecoverable loss of the sight of both eyes, or Loss by severance of two limbs at or above wrist or ankle, or Total and irrecoverable loss of the sight of one eye and loss by severance of one limb at or above wrist or ankle, and totally and permanently disabled has a corresponding meaning. D. Maturity Benefit: Payable on survival of the child up to the end of the policy term, provided the policy is in full force. I) If the mode of premium payment is Regular, Maximum of i) Fund value (including fund value under New Return Shield Fund and e-point Account) as on the date maturity relating to the basic

policy. ii) 95% of total Regular Premiums paid under the Regular Premium basic Policy less extra or additional premiums if any provided no partial withdrawals were from any fund except redemption of points from e-Account for availing of services of web based community and that New Equity, New MidCap, New Infrastructure, Ne w Energy and New Pure Equity fund was not selected at any time during the policy term. i) Fund Value (including fund value under New Return Shield Fund and e - point Account) under top-up contributions (if any), as on the date of maturity. II) If the mode of premium payment is Limited or Single, Fund value (including fund value under New Return Shield Fund and e-Account) as on the date of maturity relating to the basic policy Fund Value (including fund value under new Return Shield Fund and e- Account) under top-ups (if any), as on the date of maturity Sum Assured: The sum assured under the policy is fixed under regular & limited premium payment policies. The fixed sum assured is annualized premium multiplied by half the policy term For single premium payment option, the minimum sum assured is 110% of the single premium amount and the maximum sum assured is 5 times the single premium paid. Rider Benefits: The following optional riders are available under regular premium policies at any time during the policy term on the life of Child after attainment of age 18. The rider is available on payment of additional premium over and

above the base premium provided conditions on riders (entry age, policy term, sum assured) are satisfied. These rider benefits can be selected on commencement of the policy or on any policy anniversary during a policy term. The sum of rider premiums should not exceed 30% of the premiums paid under base Plan. The maximum sum assured under riders will be equal to the sum assured under base plan. When the base plan terminates, all the rider benefits attaching to the base plan will also terminate.

Discontinuance of premium: (excluding death of the parent when waiver of premium is in operation) On discontinuance of premium (Excluding death of the Parent when the waiver of premium is in operation and the Company is paying the premium in to the policy),), there can not be any transfers from the premium income to the e-Account. The Guaranteed Addition contribution from the shareholder will immediately terminate. However, the existing balance in the e-Account will remain intact and will be increased or decreased on account of movements in the unit values. The policyholder will not be able to purchase goods and services while the policy is in premium discontinuance mode (except when waiver of premium is in operation). The existing balance in e Account will be available to the policyholder along with the final claim (i.e death of the child, maturity of the policy or surrender of the policy). Should the policyholder restart payment of premiums, the Guaranteed Additions and the transfer from premium income to e account will restart. e-Account transfers will continue even after Death of the parent and when the policy is in waiver of premium mode and is receiving premium from the Company.

b)

Partial Withdrawals You can make partial withdrawals after three years from the date of commencement, of the policy or on attainment of age 18 by the child whichever is later. Partial withdrawals can be made from all the funds except the e - Account. However during the tenure of the policy, redemption of points from e-Account for availing the services of web based community is allowed. If the partial withdrawal is made from a fund, the guarantee of 95% of the regular premium paid under the Regular Premium basic policy (if any) on death of the child and on maturity of the policy will cease immediately. The partial withdrawals will not affect the risk cover. The minimum amount of partial withdrawal is Rs. 5000 and the maximum partial withdrawal amount should not exceed 20% of the fund value at the time of withdrawal. However, at any point of time during the policy term, the minimum fund balance after the partial withdrawal should be at least equal to 125% of the annualised premium/ 50% of the Single Premium.

The partial withdrawal charges are stated below: Year of Partial Withdrawal Partial Withdrawal Charge as % of Fund being withdrawn under regular premium policies Partial withdrawal Not payable 20 % 10% Nill Partial Withdrawal charge as % of Fund being withdrawn under single premium policies Partial withdrawal not payable Nill Nill Nill

1 To 3 years 4 th year 5 th year 6 th year onward

c)

Pay top-ups: If you have received a bonus or some lump sum money you can use that as a top-up to increase the investments component in your Policy. Top-ups are allowed only if all basic premiums due till date are paid. At any time, the maximum amount of all top-up premiums allowed is restricted to 25% of the total basic regular/limited/single premium paid till date. The minimum top-up premium amount is Rs. 2,500. Guarantee of 95% of the regular premium paid will not be available for Top ups paid under Single Premium, Regular Premium and Limited Premium policies. D) Convenient Premium paying options You can pay the regular/Limited/ premium in yearly, half yearly, quarterly and monthly mode and pay by cash, cheque, debit/credit card, ECS & direct debit. You can also pay single premium only. The minimum regular premium is Rs.20,000 for yearly mode, Rs.10,000 for half-yearly mode, Rs. 5,000 for quarterly mode and Rs.2,000 for monthly mode. The minimum limited premium is Rs 25,000 for yearly mode, Rs 12,500 for half-yearly mode, Rs 6,250 for quarterly mode and Rs 2,500 for monthly mode. The minimum single premium is Rs 50,000.The minimum top-up premium is Rs 2,500. E) Settlement Option You have the option to take the maturity proceeds in periodic installments within a maximum of 5 years from the date of maturity. You have to give a notice to the insurer at least 30 days before the maturity date. The periodic installment could be in any form including lump sum or infrequent withdrawals as requested by policyholder. During this period, there will be no life cover. The policy will participate in the performance of units. The Company will however continue to deduct administration charges by cancellation of units.

The fund management charge will be priced in the unit value. In the event of death of the child during settlement period the fund value as on the date of intimation at the office will be paid to the policyholder. During the settlement period, the investments made in the unit funds are subject to investment risks associated with capital markets and the NAVs of the units may go up or down based on the performance of the fund and the factors influencing the capital market. The investment risk during the settlement period will be borne by the policyholder. If settlement option is selected, then on maturity of the policy, the total fund balance would be automatically moved into New Fund G, the only fund option available during the settlement period. For selecting the settlement option, the policyholder should inform to the Company one month before the date of maturity.

Reliance Secure Child Basic Plan at a glance: Base Plan Minimum Maximum Age at the entry of the 30 Days 15 Years last birthday child Age at entry of the 21 years last birth day 50 Years last birth day parents Age at the Maturity of the 31 Years last birth day 70 years last birth day of the parent Policy Term 15 years 25 years What if I want to discontinue the Policy? Surrender Value will be acquired immediately on payment of the first premium and you may surrender the policy anytime during the policy term. If the policyholder surrenders the policy within three policy

anniversary, the insurance cover and rider benefits, if any will cease immediately. The fund value under the basic plan and Top ups after deduction of surrender charges, if any will be kept in a suspense account and will not participate in the performance of unit funds. This amount will be paid only after the completion of three policy anniversaries. If the policyholder surrenders the policy after the completion of three policy anniversaries, the surrender value will be paid immediately. Whenever full surrender value of basic plan is paid, the surrender value of any attaching top ups will also be paid. What if I want to discontinue the Policy? Within 3 years of the inception of the policy: If premiums have not been paid for at least three consecutive years from the inception, the insurance and disability cover on the life of child, premium waiver benefit on the life of parent and guarantee of 95% of the regular premium paid under Regular Premium policy, if any will cease immediately. The rider benefits (on the lives of child if any will also cease immediately. However, the policyholder will continue to participate in the performance of unit funds. The monthly administration charges will be deducted from the Fund Value by cancellation of units. The fund management charge will be priced in the unit value. Anytime during this period, should the child/parent die, the fund value under the basic plan and the fund value under the top ups if any will be paid. The policyholder may revive the policy by paying arrears of premium and re-commencing the premium payment within a period of two years from the due date of first unpaid premium but before the date of maturity of the policy. Other conditions for revival are stated below. In the event the policy is not revived within two years, the policy shall be terminated at the end of

the period allowed for revival and the surrender value, if any, will be paid at the end of the period allowed for revival or at the end of the 3rd policy anniversary whichever is later. If at any point of time, the fund value is less than the mortality charge for the child and parent , disability charge for the child and policy administration charge for the next month, the policy will be foreclosed by paying the fund value Grace Period for payment of premiums There is a grace period of 30 days from the due date for payment of regular premiums. In case of monthly mode, the grace period is of 15 days. A policy lapses if premiums are not paid within the days of grace. Exchange Option: This option is available for existing policyholders after completion of three policy years from the date of commencement. Under this option, the policy holder can transfer policy benefits (surrender, maturity etc.) to another plan wherein exchange option is available. This option must be exercised at least 30 days before the date of the receipt of benefit under the policy. The terms and conditions as specified in the opted policy document would apply to the policy holder opting for the 'Exchang Option'. The new plan will be offered on the life of the policyholder. If a policyholder is opting for transfers from other policies to Reliance Life Secure Child Basic Plan Regular Premium Option under exchange option, the allocation charge in year of exchange will be reduced. The reduced allocation charges applicable in the year of exchange are stated below: 8% of the annualized premium applicable in the year of exchange. For the second and subsequent policy years, the allocation charges mentioned earlier will apply. If the exchange option is used to pay top ups in the Reliance Life Secure Child Basic Plan, or to pay Single premium under Reliance Life Secure Child Basic Plan, the

allocation charge in the year exchange will be 1% of the top up or single premium amount. Tax Benefit As per current tax rules premiums paid are eligible for tax deduction under Section 80C of the Income Tax Act, 1961. Provided the premium in any years during the term of the Policy does not exceed 20% of the Sum Assured, maturity and withdrawals are eligible for tax benefit under Section 10(10D). Death benefit are tax free under Section 10(10) D of the Income Tax Act, 1961. Under Section 80C premiums up to Rs. 100,000 are allowed as deduction from your taxable income. Service tax and education cess will be charged extra as per applicable rates. Please note that all benefits payable under the policy are subject to tax laws and other financial enactments as they may exist from time to time. You are recommended to consult your tax advisor.

General Exclusion If the life assured (child) commits suicide within 12 months from the date of commencement of risk or date of revival of this policy, whether sane or insane at that time, we will limit the death benefit to the fund value and will not pay any insured benefit. The guarantee of 95% of the regular premium paid under the Regular Premium basic policy will not be available. If the proposer (parent) commits suicide within 12 months from the date of commencement of risk or date of revival of this policy, whether sane or insane at that time, the premium waiver benefit will not be available.

15 day free look period In Case the Policy Holder disagrees with any of the terms and conditions of the policy, he may return the policy to the Company within 15 days of its receipt for cancellation, stating his/her objections in which case the company will refund an amount equal to the non allocated premium Plus the charges levied by Cancellation of units plus fund value as on the date of receipt of the request in writing for cancellation , less the proportionate premium for the period the company has been on risk and the expanses incurred by the company on medical examination and stamp duty charges.

RESEARCH DESIGN
Identify the Problem To study the market segmentation, promotion & placement of RCS financial products in pune market

Designing of Research Procedure Procedure employedand tabulatingon random basis. Analyzing for survey is the Data Areas to be covered were desided and the respondents were 1. For analyzing of Data, statistical tools such as weighted average method contacted directly. were used analysis Questionnaire Preparedand percentageCollection of Data from websites, Expectationswas views were noted as the Collection fillend in their Primary and Defining Methods of Data BarSecondary Pie records 2. Also, DataData tabulated with the help ofrespondentsand Datadiagrams. manuals charts and company

A A

1.Amul India has a market of Data around 5% in Interpretation share of

Chocolate industry for which the competitors includes leaders like Cadburys & Nestle. 2.For Shrikhand market, Amul has a market share of 30% which includes tough competition with Findings chitle, warna & Gagangiri. 3.The distribution Network of Amul India has to be more efficient as compared top others. 4.The Trade margin for Amul products is quite

Suggestions

1.Should increase the awareness of RCS products

through advertising in various media. 2.The Retail margin for thede products should be increased so that that more number of retailers will have RCS products.

CONCLUSION Reliance Life Insurance Company Limited is a part of Reliance Capital Ltd. of the Reliance - Anil Dhirubhai Ambani Group. Reliance Life Insurance is another step forward for Reliance Capital Limited to offer need based Life Insurance solutions to individuals and Corporates. Reliance Capital Ltd. is one of Indias leading and fastest growing private sector

financial services companies, and ranks among the top 3 private sector financial services and banking companies, in terms of net worth. Reliance Capital Ltd. has interests in asset management, life and general insurance, private equity and proprietary investments, stock broking and other financial services. We believe that you are the force behind the company. And with your growth will come the drive that can take this company to higher and stronger levels. Creating a huge wave of satisfaction, not only for our customers and us, but for your career as well. Whatever your career goal, Reliance Life Insurance is a company big enough for your dreams. We, along with the other businesses of Reliance Capital, enjoy a strong position in the financial services category. And this may be the place where you can have the career you always wanted. We endeavor to be unique in creating an environment that makes pitting your skills against the world a challenging, stimulating and energizing experience. Here, we believe that bigger the challenges that we set for ourselves, the higher they will take us. And finding resonance with this credo is our ever-increasing workforce. Opportunities for lateral growth within the company Performance management system based on the balanced scorecard model Exposure to extensive learning and developmental initiatives (that includes a state of the art e-learning platform and strategic partnerships with international leaders for special developmental programs) Annual awards in recognition of exemplary performance A stimulating and high energy environment with regular interactive, fun events and challenging contests