Project on
Synergy of High Net-Worth Individuals (HNIs) and there investment
moods
Submitted By:
Garuav Narain Sec-A
Seresh Sharma Sec-A
Jiney Sachan Sec-A
Virender Singh Rawat Sec-A
Problem and Research Objective:-
• objective was to find out the HNIs (High net
worth income) group and their various mode
of investment
• The main problem was how to find out the top
twenty HNI clients from the bunch of people
without knowing them in detail.
The main things to be known from the clients were:
• There Annual income
• There Annual investment
• Who are there bankers
• There chartered accountant
• Who influence there investment decision
• What is there annual investment
Research plan-
• Designing a research plan calls for decisions
on the data sources, research approaches,
research instruments, sampling plan, and
contact methods.
• our task was to find the person who can invest
above 1 crore and more then that. So from
now onwards I started to target only to a
special segment of the people.
Data source:-
Primary data:-
• Interview
• Questionnaires.
• Secondary data:-
• Internet
Sampling Plans:-
Sample Size: - large sample give more reliable
result than small sample, so for this reason I
had taken around 60 people to whom I should
focus upon, because my target was only 30
clients.
Analysis Of the Chart
RETURN CLIENTS LOOKED AT:-
above 20% less than 10%
10% 5%
b/w 10-15%
40%
b/w 15-20%
45%
Mutual Fund Preference Chart:-
HDFC
any other 23%
16%
sbi
19%
ICICI Prudential 20%
mutual ipo
22%
Preference of Clients Between Nationalized
and Private Banks:-
Private bank
21%
Nationalized bank
79%
Nationalized banks chart:-
Allahabad bank State bank of India
11% 11%
Central bank of India Bank of India
6% 6%
Punjab national bank
6%
Union bank of India
60%
PRIVATE BANKS CHART:-
HDFC BANK ICICI BANK
50% 50%
Preferred investment consultant :-
Banker
11%
Internal Advisors
5%
Investment consultant
38%
Self Decision
46%
Preference investment Instrument:-
Bank FD
Real Estate 30%
33%
RBI Bond
8%
Mutual Fund
3%
Unit Linked Plan/Insurance
26%
Tenure of FD preferred :-
Short Term(Less than 2 years)
25%
Not Known
50%
Medium Term(B/W 2-5 years)
17%
Long Term(More than 5 years)
8%
INSURANCE PREFERENCE CHART
Oriental Insurance
13%
ICICI Prudential
7% LIC
47%
HDFC
33%
Finding
• Most of the HNI client prefers the nationalized bank in comparison to private
banks.
• A large Part of Market is Uncovered in case of Mutual Fund
• In the insurance sector LIC is the number one company prefer by the
people
The company image in the mind of the people
The life long service of the company
A very good channel of people (agents)
Very good relationship with their clients
Lack of information or knowledge about the private Insurance Company.
Questionnaire
• Name
• Phone No.
• Email Id:
• Who are your bankers:
• Who do you consult before Investing?
a. Banker (Name of Bank):
b. Self decision
c. Investment Consultant (Name):
d. Internal consultant
Questionnaire
[Link] you invest in any instrument available in the market
a. Yes
b. No
[Link] yes, then where do you invest?
a. Bank FD
[Link] Bond
[Link] Fund
[Link] Market
[Link] Linked Plan
[Link] other (please specify)
Questionnaire
3. If 2(a) then which bank FD you invested and what tenure?
4. If 2(b) then tentatively how much money invested?
5. If 2(c) then which mutual funds you have invested into
a. Franklin Templeton
b. Reliance
c. HDFC
d. Prudential ICICI
e. Mutual IPO
f. Any other (please specify)
Questionnaire
6. what is the return you are looking at:
a. Less than 10%
b. 10% - 15%
c. 15% - 20%
d. More than 20%
7. Do you have invested into Unit Linked Plan/ Insurance
– Yes
– No
8. If yes then which company and what investment plan
you have invested in
Questionnaire
9. How much do you invest annually?
– Less than 1 Crore
– 1 to 5 Crore
– 5 to 10 Crore
– 10 and above
Reference
• Internet Websites:
• [Link]
• [Link]
• [Link]
• [Link]
