Angel Broking Demat Account

CENTER OF MANAGEMENT STUDIES (CMS)
A
Summer Internship Project Report on
A STUDY on Angel Broking Demat Account
In partial fulfilment of the requirement for
Program
SEMESTER II
Subject:
PROJECT
Year:
JUNE-JULY 2014
Duration
45 DAYS
SUBMITTED BY
EXAM NO.
13124321002
NAME OF STUDENT
Desai Gunjan R
SUBMITTED
TO
GANPAT UNIVERSITY
Center for Management Studies
Certificate from the Faculty Guide

This is to certify that the dissertation submitted in partial fulfillment for the award of MBA
(Financial services) of Center for Management Study, Ganpat University is a result of the
bonafide research work carried out by MR. GUNJAN DESAI under my supervision and
guidance. No part of this report has been submitted for award of any other degree, diploma,
fellowship or other similar titles or prizes. The work has also not been published in any
journals/Magazines.
Signature of the FacultyGuide______________
Name ofFacultyGuide:____________________
Students Declaration
I hereby declare that this report, submitted in partial fulfilment of the requirement for the award for
the MBA (F.S), to Center for Management Study, Ganpat University is my original work and not used
anywhere for award of any degree or diploma or fellowship or for similar titles or prizes.
I further certify that without any objection or condition subject to the permission of the company
where I did my summer project, I grant the rights to Center For Management Study, Ganpat
University to publish any part of the project if they deem fit in journals/Magazines and newspapers
etc. without my permission.
--------------------------------Signature
Name: Desai Gunjan R

Class:
MBA (F.S) SEM- II
Roll No: 02
PREFACE
This Research Project Report has been prepared in partial fulfilment of the requirement for
the Subject: Project (Financial Services) of the Semester II in the Semester JUNE-JULY
2014.
For preparing the Research Project Report, We have visited the company during the
suggested duration of 45 days to avail the necessary information. The blend of learning and
knowledge acquired during our practical studies at the company is presented in this Research
Project Report.
Our main focus and study was on Debit Account with reference to Angel Broking Ltd in
Ahmedabad region.
We have put up my best efforts and enumerated every possible information while survey and
analysis in the research to make this Research report a satisfactory report.
It was a great opportunity and memorable experience interacting with people working there,
collecting information regarding their job and acquiring knowledge.
Lastly, we have tried our level best to prepare the best informative report.
ACKNOWLEDGEMENT
It was indeed an opportunity for us to do research study on Debit Account with reference to
Angel Broking Ltd in Ahmedabad region to Prepare a Research Project Report on the same
during Semester II. During our Research study preparation ,we learnt many interesting
things about the Research, along with the aspects of its process and as a whole.
We would hereby take this opportunity to show our gratitude towards all our faculties
for what we have learnt during Research Study. A good response, explanation of concepts and
co-operation given by whole staff helped us in gaining knowledge and solving our queries..
I feel immense pleasure to thank prof. Ujal mehta, Principal, C.M.S. Ganpat University. For
making available all faculties in fulfil the requirements for the research report.
I also feel immense pleasure to Branch Manager Mr. Amit Soni Of Angel Broking Ltd.
EXECUTIVE SUMMARY
In its broadest sense summer training project report is necessary to make the students of
business school familiar with the industrial environment prevailing in the world.
done my project in ANGEL BROKING LTD. which is a leading company in finance industry.
The main objective of my project was to Demat Account.
The training design included departments, and their training needs, month of training,
sequence of training and methods of training. A proper matrix was formed differently for
each level highlighting the re It also includes different skills workshop including the contents,
5
objectives of the skills imparted to the employees. Most important in training process are the
ice breakers and games which help the trainees in feeling relaxed and refreshed.
Each level in organization was considered as separate entity and training procedure for them
was also different.
TABLE OF CONTENTS FOR PROJECT REPORT
Particular
Page
No.
Front Page
Certificate
Preface
Acknowledgement
1
2
Introduction
Company Profile
Literature Review
4
5
6
7
8
9
10
11
12
13
14
15
16
17
18
SWOT Analysis
Discussion on Training
Demat Account of Angel Broking
Buying and Selling
Need for the study
Competitors
Objective
Research Methodology
Data Analysis and Interpretation
Finding
Limitation
Suggestion
Conclusion
Bibliography
ANNEXURE (contains questionnaire)
8
9
18
21
22
25
32
34
35
37
38
40
50
52
53
54
55
56
Introduction
Angel Broking's tryst with excellence in customer relations began in 1987. Today, Angel has
emerged as one of the most respected Stock-Broking and Wealth Management Companies in
India. With its unique retail-focused stock trading business model, Angel is committed to
providing Real Value for Money to all its clients.
The Angel Group is a member of the Bombay Stock Exchange (BSE), National Stock
Exchange (NSE) and the two leading Commodity Exchanges in the country: NCDEX &
MCX. Angel is also registered as a Depository Participant with CDSL. FSWA is into
FINANCIAL PLANNING which involves selling of financial products like D-mat account,
corporate FDs, mutual funds and insurance.
Angel Broking ltd Transacting and investing simplified. Get ready to change the way you
transact and invest in financial products and services. Whether you wish to transact in equity,
equity & commodity derivatives, prefer to invest in mutual funds, life & general insurance
products or avail money transfer and money changing services, you can do it all through
reliance money. Simply open a Angel demat account and enjoy the convenience of handling
all your key financial transactions through this one window.
In my project I explain in brief about the company, about financial planning, about Demat
Account, and almost all the things that I have learned so that others can also read and learn
from my experience.
Angel Broking Limited

COMPANY BACKGROUND
Angel broking ltd. already has a presence in India through company Law, incorporated on
December, 1997. It offers world-class financial planning and a wide range of wealth
management products to mass affluent and affluent customer segments. Angel Broking
limited provides a complete range of financial products and services that include equity
broking (internet based online trading as well as offline trading), financial planning,
insurance, investment products, equity research, demat account and more.
Angel Broking Limited is one of the leading and professionally managed stock broking firm
involved in quality services and research. Angel Broking Limited is a corporate member of
The Stock Exchange, Mumbai.
8
The membership of the company with The Stock Exchange Mumbai was originally in the
name of Mukesh R. Gandhi, which was eventually turned into a corporate membership in the
name of Angel Broking Limited.
Angel Broking Limited is managed by Mr. Dinesh Thakkar and he is well supported by Mr.
Mukesh Gandhi, a fifteen years veteran in the market.
The group is well supported by a professional and qualified research team and efficient
operations and back office team, which comprises of highly dedicated and qualified
individuals. Angel has an in-house, state of art research department.
Angel believes in reaching out to the customer at the farthest end rather than by reaching out
to them. The company in its endeavour to give its client the best has opened up several
branches all over Mumbai, which are efficiently integrated with the Head Office.
Angel Broking Limited is primarily into retail stock broking, with a customer base of retail
investors, which has been increasing at a compounded growth rate of 100% every year. The
company has huge network sub-brokers in Mumbai and other places outside Mumbai,
registered with SEBI, who act as Chanel partners for the company. The company presently
has total staff strength of around 150 employees who are spread accordingly across the head
office and all the branches.
Angel has empowered its physical presence throughout India through various strategies
which it has been adopting efficiently and effectively over a period of time, like opening up
of branches at various places, tie-ups with various agencies and sales agents, buy-outs of
smaller regional outfits and appointment of sub-brokers and franchisees.
Moreover Angel has been tapping and including high net-worth and self-employed
individuals it its vast array of clients.
Angel has always strived in the direction of delivering ultimate client satisfaction and
developing stronger bonds with its customers and chose partners. Angel has a vision to
introduce new and innovative products and services regularly. Moreover Angel has been one
among the pioneers to introduce the latest technological innovations and integrate it
efficiently within its business.
Mission:
To create long term value by empowering individual investors through superior
financial services supported by culture based on highest level of teamwork, efficiency and
integrity.
VISION:
To provide best value for money to investors through innovative products.
Trading/Investments Strategies
State of the art technology and personalized service.
Customer Promise
They are passionate about their customers' success and promise to deliver exceptional service
with every meeting, interaction and dealing. They strive to offer simple, straightforward,
friendly and trustworthy service. They are a financial company with a different attitude.
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ANGEL DEALING IN
EQUITY
LIFE
INSURANC
MUTUAL
FUND
COMMODIT
Y
Milestones
October,2013
Angel Broking has been awarded the 'Top performer in equity segment' of the year - BSE. We
thank and congratulate each one of you for your best endeavors which fetched us the award.
October,2011
Angel Broking bagged the Dun & Bradstreet Equity Broking Awards 2011 for 'Best Retail
Broking House' and 'Fastest Growing Equity Broking House' (Large Firms) at Dun & Bradstreet
Equity Broking Awards 2011.
March,2011
Angel Broking was awarded with 'Best in Contribution Investor Education & Category
Enhancement of the year' and 'Best Commodity Research of the year'.
November ,2010
11
Angel Broking bags the coveted Major Volume Driver Award by BSE for 2009-10
October, 2009
August, 2008
Angel Broking crosses 5,00,000 mark in unique trading accounts
March,2007
Angel Broking crosses the benchmark of 2,00,000 unique trading accounts
October,2006
July,2006
Angel Broking launches Portfolio Management Services (PMS)
October,2005
Angel Broking wins the prestigious Major Volume Driver Award by BSE for 2004-2005
September,2004
Angel Broking launches Online Trading Platform facilitating easy and hassle-free
trading for its customers
November,1998
Angel Capital and Debt Market Ltd. incorporated as a member of NSE
December,1997
Angel Broking Ltd incorporated as a wealth management, retail and corporate
broking firm
12
Angel Broking Ltd

Board of Director
Mr.
Dinesh
Thakkar Founder
Chairman
&
Managing
Director
The Angel Group of Companies was brought to life by Mr. Dinesh Thakkar. He
ventured into stock trading with an intention to raise capital for his own independent
enterprise. However, he recognised the opportunity offered by the stock market to serve
individual investors. Thus Indias first retail-focused stock-broking house was established in
1987. Under his leadership, Angel became the first broking house to embrace new technology
for faster, more effective and affordable services to retail investors. Mr. Thakkar is valued for
his understanding of the economy and the stock-market. The print and electronic media often
seek his views on the market trend as well as investment strategies.
Mr. Lalit Thakkar Director Research

13
Mr. Lalit Thakkar is the motivating force behind Angels highly acclaimed
Research team. Hes been a part of the senior management team since the
Angel Groups inception. His technical and fundamental outlook has
provided impetus to Angels market research team. Research-based &
personalized advisory services are Angels forte, and Mr. Lalit Thakkar has
undoubtedly been the brain behind it. When it comes to analyzing the market, Mr. Lalit
Thakkar is truly a genius. His hands-on experience and fundamental knowledge of the market
can predict the market trend early. His views on the market trend are often quoted in the print
and electronic media.
Mr. Amit Majumdar Chief Strategy Officer

A chartered Accountant by qualification, Mr. Amit Majumdar is a key member
of Angels strategic decision-making process. He has been with the group since
August 2004. He has handled several functions of the group like finance and
operations, to name a few. He has rich experience in finance, investment
banking, treasury, consultancy and advisory services. Mr. Majumdar has led many successful
initiatives for the group. Before joining the Angel Group, Mr. Majumdar has been associated
with Rabo India Finance, Ambit Corporate Finance and Ernst & Young.
Mr. Rajiv Phadke Executive Director HR & Corp. Communications

Mr. Rajiv Phadke has actively contributed to the Groups growth over the
last four years. Holding a major in Finance, Mr. Rajiv Phadke is a strategic
thinker with expertise in the field of corporate planning, international
marketing,
financial
services,
brand-building,
HRD
and
quality
management. With over 32 years of experience, Mr. Phadke has

successfully led SBUs and financial companies from concept to commissioning. His career
horizon spans Motilal Oswal Securities, Times Guaranty Financials, Nagarjuna Securities and
Tata Exports Ltd. He is also a well-known speaker in the HR and business development
circuit and his views are featured on various electronic media as well.
Mr. Vinay Agrawal Executive Director Equity Broking
14
Mr. Vinay Agrawal leads the Equity Broking business at Angel, which
comprises Business Development, Operations, Product Development and Ebroking initiative. He is actively involved in exploring new ways to adopt
technology for business enhancement. A Chartered Accountant by
qualification, Mr. Agrawal began his career with the Angel Group as Finance
and Operations Consultant, and since then hes quickly climbed up the corporate ladder.
Mr. Nikhil Daxini Executive Director - Sales and Marketing

With an MBA in finance, Mr. Nikhil Daxini has been instrumental in
introducing the concept of professional marketing of broking services at
Angel. His area of focus is Business Development, Risk Management and
Operations. Mr. Daxini has immense experience in the marketing of financial
products and services. He has been associated with HDFC Bank Ltd. in the
past.
Mr. Hitungshu Debnath Executive Director - Distribution & Wealth

Management
A marketing professional and a British Chevening scholar from the London
School of Economics, Mr. Hitungshu Debnath leads the Distribution and
Wealth Management business at the Angel Group. It includes the
distribution of Insurance, mutual funds, IPOs, personal loans and other
wealth management products. Mr. Debnath has over 18 years of industry experience. He has
been associated with Times Guaranty Financial Ltd., Fortress Financial Services Ltd.,
Alliance Capital Asset Management and HDFC Asset Management Ltd. in the past.
Mr. Mudit Kulshreshtha Executive Director - Business Intelligence &

Analytics
15
Mr. Mudit Kulshreshtha heads the advance analytics and strategic business
intelligence division at Angel. With a Bachelors degree in Engineering and PhD in
Economics, Mr. Mudit Kulshreshtha has more than 12 years experience in the field of
strategy and business consulting. He has been associated with reputed consulting firms like
Deloitte Consulting India, Ernst and Young, Arthur Andersen and WNS Global.
He has advised several big clients in the U.S. and U.K. He is also a known speaker at public
seminars and conferences organized by CII, NASSCOM, Indian School of Business and IIT.
Mr. Ketan Shah Associate Director - Information Technology
IT is a strategic function at Angel. And Mr. Ketan Shah is involved in the

designing of Angels IT policies and Strategies. Mr. Shah leads all IT-related activities from
planning and budgeting to implementation and maintenance. Mr. Shah has over 18 years of
industry experience. He has been involved in various aspects of Business Operations in his
previous assignments.
Ms. Pinky Kothari Associate Director - Sales And Marketing

16
Ms. Pinky Kothari is responsible for development and expansion of the

Angel Groups business in Southern India. She started her career at Angel as Business
Development Executive. She was then appointed the head of Surat Branch and the South
Gujarat region, before assuming the role of Associate Director. A qualified Company
Secretary and an MBA in Finance, Ms. Kothari has vast experience in business development
in the financial services industry.
Mr. Naveen Mathur Associate Director Commodities Business
A CFA of 1997, Mr. Mathur holds a Post Graduation degree in Financial

Management and Business Finance. He brings with him over 14 years of experience in the
financial markets. He had been associated with Religare Commodities, Karvy Consultants
and with BLB Ltd in the past. He has been involved in several management activities,
treasury operations, corporate and strategic planning, and research activities in Futures and
Options markets in his past assignments. Mr. Mathur is a regular speaker on all the
prominent financial news channels.
17
SWOT ANALYSIS:Strength: Co-operative and Experienced Branch Managers

Good Database
Trusty Brand
Weakness: Inexperienced Staff

Low awareness due to lack of advertisement.
Lack of loyal client age
Developing product.
Opportunity: Untapped Market

Increased spending power
Changing Mindset of Customers
Unpredictable Sensex
Threat: Increase Number Of Competitors

Stiff competition from existing players in the market
Better products
WHAT DOES ANGEL BROKING LTD. OFFERS

1. Personalized Service
Company believes in providing personalized service and individual attention to each
client to ensure that we understand their goals and help them achieve it.
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2. Professional Advice
Company offers expert advice on equity and debt portfolios with an objective to
provide consistent long-term return while taking calculated market risks. Companies
approach helps clients build a proper mix of products, and not concentrate on just one
individual product. Hence, serving long-term objectives in the best way.
3. Long-term Relationship
Company believes that long-term vision is the only means to steady wealth creation.
However to achieve this one also needs to take advantage of short-term market
opportunities while not losing sight of long-term objectives. Hence it partners all its
clients in realizing their long-term vision.
4. Access to Research Reports

Company provides the clients with access to the expert opinion of economists and
analysts.
5. Transparency and Confidentiality

Companies clients receive regular portfolio statements from relationship managers via
email.
REVIEW OF LITERATURE
Dematerialization or "Demat" is a process whereby the investors securities like shares,
debentures etc, are converted into electronic data and stored in computers by a Depository.
Securities registered in the investors name are surrendered to depository participant (DP) and
these are sent to the respective companies who will cancel them after "Dematerialization" and
credit investors depository account with the DP.
Depository functions like a securities bank, where the Dematerialized physical securities are
traded and held in custody. This facilitates faster, risk free and low cost settlement.
Depository is much like a bank and performs many activities that are similar to a bank.
19
When an investor buys physical shares from the stock market, they can never be certain of
the validity of the title of shares. There were many reasons- the sellers' signature did not
match, or the certificates were fake, forged or stolen, and so on.
Demat shares are supposed to obviate these problems. Buying shares in the demat form
always guarantees the investor a good title as soon as the settlement is over. The biggest
attraction of trading in demat shares is that the shares an investor buys comes with a clean
title and immediately after the settlement on the relevant stock exchange.
After the introduction of dematerialization the stock market has become more transparent
and it attracts more investors day by day. If the volume increases continuously, DPs will be
in a position to decrease the charges for opening and maintenance of demat a/c. It is
observed that banks normally levy a lower service charge compared to other depository
participants. There are some other banks which charges less services charges for demat
services than other securities companies. When the numbers of users are more on line, the
speed of the transaction is affected.
REFERENCES
M. Karunakar & S. Saravanan (May 2008 )
Buckley Adrian 2008)
Mrs. Archana Sinha (July 2008)
DISCUSSION ON TRAINING
Students work profile
I worked there with ANGEL BROKING LTD. with a profile of sales trainee. This profile
offers me to understand the need of customer and provide them the best deal possible with
maximization of the profit, both for the company as well as for the customer.
The most important aspect for the role of trainee is trust. So far fulfilment of the targets one
needs to:
20
Capitalize on the old and loyal client age which can be building slowly by advising
people in the best possible way.
Generating new leads through various activities
Generation of leads
Since I was new in the field so I had to start from scratch and generate new leads to sustain in
the market.
Cold calling is one of the trusted ways of getting to the customers without meeting them.
Although the rate of conversion remained very less, for cold calling the quality and accent
remains a very important criterion. this activity give me mixed result. I often got success and
generated many leads through it but it also landed me in awkward position where the
customer were in different mood and made us hear words for which a marketer should be
always prepared to hear. Corporate calls always remained more difficult to crack with respect
to retail sector.
The corporate were the most difficult and most temping to get the business from. It took me
one one day to crack Hi-tech Gears.
At ANGEL BROKING LTD. after getting the product knowledge in the first week at the
branch I was also allotted distributor to work with. In the initial phase I was accompanied by
more experienced staff. After I became known to the market and procedure I started attending
calls alone only.
After the third week my performance also improved and I was able to get close to the targets,
though it looked difficult to achieve in the beginning. To get awareness of the every product I
attended diversified calls. This helped me to implement cross selling to get better results.
LIMITATIONS:
1. Cold Calling
Voice and accent plays a major role.
The right time to call a customer cannot be decided, as the customer may in a different
mood at the time of calling.
Time consuming
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Less success rate
2. Corporate
Time consuming
Contacts with higher authorities play a major role
Description of live experience

I was supposed to use the database provided by the company to make cold calls or by directly
meeting people to get new leads.
While making cold calls, we need to have:
Good Communication Skills (Voice quality is clear and articulate)

Persistent and able to bounce back from rejection
Good organizational skills.
Ability to project a telephone personality (Enthusiasm, friendliness)
Flexibility: can adapt to different types of clients and new situations.
While talking to customers, I analyze their needs. Whether they want to go for investment
purpose or insurance or both. Suggest them the plan that best suits them. If they agree to it
then either we send across the agents to close the deal or close it themselves.
Problems faced while Customer Meeting:

Customer dissatisfied with the services.
People fear that Angel Broking Being a Private company and a new entrant may be able
to sustain or not.
Past experience, word of mouth.
Misguidance by agents.
People do not want insurance products.
Lack of knowledge and less awareness about demat account.
People risk appetite is very low, so they are afraid of mutual fund as well.
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Success is a journey, not a destination

ANGEL DEMAT ACCOUNTS
Overview of Demat Account
Demat account allows you to buy, sell and transact shares without the endless paperwork and
delays. It is also safe, secure and convenient.
In India, a demat account, the abbreviation for dematerialized account, is a type of banking
account which dematerializes paper-based physical stock shares. The dematerialized account
23
is used to avoid holding physical shares: the shares are bought and sold through a stock
broker.
This account is popular in India. The Securities and Exchange Board of India (SEBI)
mandates a demat account for share trading above 500 shares. As of April 2006, it became
mandatory that any person holding a demat account should possess a Permanent Account
Number (PAN), and the deadline for submission of PAN details to the depository lapsed on
January 2007.
Is a demat account a must?

Now a day, practically all trades have to be settled in dematerialized form. Although the
market regulator, the Securities and Exchange Board of India (SEBI), has allowed trades of
up to 500 shares to be settled in physical form, nobody wants physical shares any more. So a
demat account is a must for trading and investing.
Whydemat?
The demat account reduces brokerage charges, makes pledging/hypothecation of shares
easier, enables quick ownership of securities on settlement resulting in increased liquidity,
avoids confusion in the ownership title of securities, and provides easy receipt of public issue
allotments.
It also helps you avoid bad deliveries caused by signature mismatch, postal delays and loss of
certificates in transit. Further, it eliminates risks associated with forgery, counterfeiting and
loss due to fire, theft or mutilation. Demat account holders can also avoid stamp duty (as
against 0.5 per cent payable on physical shares), avoid filling up of transfer deeds, and obtain
quick receipt of such benefits as stock splits and bonuses.
Steps
involved
in
opening
demat
account
First an investor has to approach a DP and fill up an account opening form. The account
opening form must be supported by copies of any one of the approved documents to serve as
proof of identity (POI) and proof of address (POA) as specified by SEBI. Besides, production
of PAN card in original at the time of opening of account. All applicants should carry original
documents for verification by an authorized official of the depository participant, under his
signature. Further, the investor has to sign an agreement with DP in a depository prescribed
standard format, which details rights and duties of investor and DP. DP should provide the
24
investor with a copy of the agreement and schedule of charges for their future reference. The
DP will open the account in the system and give an account number, which is also called BO
ID (Beneficiary Owner Identification number). In case the BO Account at transferor DP is a
joint account, the BO Account at transferee DP should also be a joint account in the same
sequence of ownership.
Rights: You can open more than one depository account in the same name with single DP/
multiple DPs.
No minimum balance is required to be maintained in a depository account.
You can give a onetime standing instruction to your DP to receive all the credits coming
to your depository account automatically.
Procedure: Fill account opening form (available with your DP).

Give your DP the duly filled account opening form with introduction documents as may
be required.
Sign agreement with DP (agreement will state rights & obligations of both parties). The
agreement will contain the fee structure of your DP. Your DP would give you a copy of
this signed agreement for your record.
DP would give you Client Id no. (Account no.) Once your depository account is opened.
This Client Id no. along with your DP Id no. Forms a unique combination. Both these nos.
should be quoted in all your future correspondence with DP/NSDL / Issuing
Company/their registrar & transfer (R&T) agent.
Your DP would give you pre-printed instruction slips for depository services viz.,
dematerialization, delivery instruction for trades, etc..Preserve these carefully.
25
Your DP would give you a list of deadlines for giving instructions for various depository
activities viz., transfer for effecting sale, purchase etc.. If not, check with the DP.
Required Documents:1. PAN card

2. A canceled check,
3. Voters ID
4. Passport
5. Ration card
6. Drivers license
7. Photo credit card
8. Employee ID card
9. Bank attestation
10. IT returns
11. Electricity/ Landline phone bill
While they only ask for photocopies of the documents, they will need the originals for
verification. You will have to submit a passport size photograph on which you sign across.
Procedure: Fill account opening form (available with your DP).

Give your DP the duly filled account opening form with introduction documents as may
be required.
26
Sign agreement with DP (agreement will state rights & obligations of both parties). The
agreement will contain the fee structure of your DP. Your DP would give you a copy of
this signed agreement for your record.
DP would give you Client Id no. (Account no.) once your depository account is opened.
This Client Id no. along with your DP Id no. forms a unique combination. Both these nos.
should be quoted in all your future correspondence with DP/NSDL / Issuing
Company/their registrar & transfer (R&T) agent.
Your DP would give you pre-printed instruction slips for depository services viz.,
dematerialization, delivery instruction for trades, etc..Preserve these carefully.
Your DP would give you a list of deadlines for giving instructions for various depository
activities viz., transfer for effecting sale, purchase,etc.. If not, check with the DP.
Angel Demat Account Services:Angel Broking Transacting and investing simplified. Get ready to change the way you
transact and invest in financial products and services. Whether you wish to transact in equity,
equity & commodity derivatives, IPOs offshore investments or prefer to invest in mutual
funds, life & general insurance products or avail money transfer and money changing
services, you can do it all through Angel. Simply open a Angel account and enjoy the
convenience of handling all your key financial transactions through this one window.
Benefits of having an Angel account.
Its cost effective:-
You pay comparatively lower transaction fees. As an Introductory offer, we invite you to pay
a flat fee of just Rs. 750/- and transact through Angel.
Its offers single:-
27
Through Angels associates, you can transact in equity, equity and commodities
derivatives, offshore investments mutual funds, IPOs life insurance, general insurance,
money transfer, money changing and credit cards, amongst others.
Its convenient:You can access Angels services through

The internet
Transaction kiosks
The phone (call & transact)
Our all India network of associates on an assisted trade.
Its Safe your:Account is safeguarded with a unique security number that changes every 32 seconds.
This number works as a dynamics password to keep your account extra safe.
It provides you value- added services at www.angelbroking.com,

you get:
Reliable research, including views of external experts with an enviable track record
Live news updates from Reuters and Dow Jones
CEOs / expert views on the economy and financial markets
Tools that help you plan your investments, tax, retirement, etc. in the personal finance
section
Risk Analyzer for analysis of your risk profile
Asset allocators to build an appropriate investment portfolio
Innovative use of technology for facilitating
Benefits of Demat Account: A safe and convenient way to hold securities;

Immediate transfer of securities;
No stamp duty on transfer of securities;
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Elimination of risks associated with physical certificates such as bad delivery, fake
securities, delays, thefts etc.;

Reduction in paperwork involved in transfer of securities;
Reduction in transaction cost;
No odd lot problem, even one share can be sold;
Nomination facility;
Change in address recorded with DP gets registered with all companies in which investor
holds securities electronically eliminating the need to correspond with each of them
separately;
Transmission of securities is done by DP eliminating Correspondence with companies;
Automatic credit into demat account of shares, arising out of
bonus/split/consolidation/merger etc.
Holding investments in equity and debt instruments in a single account.
Benefit for Investors: Demat account has become a necessity for all categories of investors for the following
reasons/ benefits:
SEBI has made it compulsory for trades in almost all scrips to be settled in Demat mode.
Although, trades up to 500 shares can be settled in physical form, physical settlement is
virtually not taking place for
The apprehension of bad delivery on
Account of mismatch of signatures, forgery of signatures, fake certificates, etc.
It is a safe and convenient way to hold securities compared to holding securities in
physical form..
No stamp duty is levied on transfer of securities held in Demat form.
Change of name, address, registration of power of attorney, deletion of deceased's name,
etc. - can be affected across companies by one single instruction to the DP.
Any number of securities can be transferred/delivered with one delivery order. Therefore,
paperwork and signing of multiple transfer forms is done away with. It facilitates taking
advances against securities on low margin/low interest.
Points to Remember: You may choose your DP based on your evaluation of their reputation, service standards,
charges, other conveniences, etc.
Account opening procedure should typically take 2-5 days.
29
In case of holdings of a partnership firm, the account should be opened in the name of the
partner(s).
In case of any difficulties, contact your DP.
Only securities admitted by NSDL can be dematerialized. The list is available with your
DP.
Only securities registered in the name of the account holder can be dematerialized.
Dematerialization is normally completed within 15 days after the share certificates have
reached the issuer/their R&T Agent. Thus it may take you a month from the date you
hand over shares, to receive demat credit.
Dematerialization would be done only when the issuer / their R&T Agent is satisfied of
genuineness of securities & ownership status
Buying and Selling of Dematerialization

INTRODUCTION
30

The procedure for buying and selling dematerialized securities is similar to the
procedure for buying and selling physical securities. The difference lies in the
process of delivery (in case of sale) and receipt (in case of purchase) of
securities.
In case of purchase: The broker will receive the securities in his account on the payout day
The broker will give instruction to its DP to debit his account and credit investors
account
Investor will give Receipt Instruction to DP for receiving credit by filling appropriate
form. However one can give standing instruction for credit in to ones accounts that will
obviate the need of giving Receipt Instruction every time.
In case of sale:The investor will give delivery instruction to DP to debit his account and credit the brokers
account. Such instruction should reach the DPs office at least 24 hours before the pay-in as
otherwise DP will accept the instruction only at the investors risk.
Rights:Dematerialized securities can be traded on those stock exchanges connected to NSDL. At

present, NSE, BSE, CSE, DSE, LSE, BGSE, OTCEI, MSE, ISE & ASE are connected to
NSDL. At these stock exchanges, two segments would be available to trade in
dematerialized securities :
Unified (erstwhile physical) segment - In this segment delivery obligation can be
met by delivering dematerialized or physical securities at the option of the seller.
However, for a select list of securities prescribed by SEBI, securities cannot be
delivered in physical form in the unified segment, of stock exchanges connected to
NSDL. This list presently covers 160 securities. This list has been expanded to cover
31
a total of 200 securities with effect from January 17, 2000. Over a period, this list
would cover all actively traded securities.
Exclusive demat segment - In this segment delivery obligation can be met by
delivering dematerialized securities only. Physical securities cannot be delivered in
the exclusive demat segment.
1.
Procedure:Trading in dematerialized securities is done through your broker just like trading in
physical securities. After your broker executes the trade, your DP will help to deliver
shares to your broker (in case you sell) on the basis of valid instruction given by you to
your DP and receive shares from your broker (in case you buy) on basis of valid
instruction given by your broker to his DP.
Buy dematerialized securities:
You purchase securities in any of the stock exchanges connected to NSDL through a
broker of your choice and make payment to your broker. Make sure you tell your broker
you want only demat shares.
Broker arranges payment to clearing corporation/ clearing house of the stock exchange.
Broker receives credit in his clearing account with his DP on the pay-out day. He can
immediately transfer these securities to your depository account, provided your account is
already active.
Broker gives instructions to his DP to debit his clearing account and credit your
depository account.
32
Sell dematerialized securities
You sell your dematerialized securities in any of the stock exchanges linked to NSDL
through a broker of your choice.
You give instruction to your DP for debit of your depository account and credit of your
brokers clearing member account at least 24 hours i.e. one working day prior to the pay-in
date or before the deadline prescribed by your DP, so that your brokers clearing account is
credited at the time arranged with him.
On the pay-in day, your broker gives instruction to his DP for delivery to clearing
corporation/clearing house of the relevant stock exchange.
The broker receives payment from the clearing corporation / clearing house.
You receive payment from the broker for the sale in the same manner you would receive
payment for a sale in the physical mode.
Points to Remember: Trading continues to be through brokers. In case of any

problem in execution of trade, contact your broker and if he
fails to resolve the problem you may contact the stock
exchange.
When you sell securities, you have to give a delivery
instruction to your DP to transfer the securities to your
brokers clearing account.
NEED OF THE STUDY

The need of the study arises because of the reason that a trainee must understand the
company, its achievements and tasks, products and services and also to collect information
about its competitors, its products and services offered. So that, after understanding and
33
collecting information about the organization and its competitors, a trainee will be able to
work well for the organization.
From the study I have learned very much, about the company as well as the strategy of the
customers, which helps me a lot at my working days.
COMPETITORS
HDFC
HDFC BANK is one of the leading Depository Participant (DP) in the country demat
accounts.
HDFC Bank Demat services offers you a secure and convenient way to keep track of your
securities and investments, over a period of time, without the hassle of handling physical
documents that get mutilated or lost in transit.
HDFC BANK is Depository participant both with National Securities Depositories
Limited (NSDL) and Central Depository Services Limited (CDSL).
Features & Benefits:As opposed to the earlier form of dealing in physical certificates with delays in transaction,
holding and trading in Demat form has the following benefits:
Settlement of Securities traded on the exchanges as well as off market transactions.
Shorter settlements thereby enhancing liquidity.
Pledging of Securities.
Electronic credit in public issue.
Auto Credit of Rights / Bonus / Public Issues /
Dividend credit through ECS.
Auto Credit of Public Issue refunds to the bank account.
No stamp duty on transfer of securities held in demat form.
No concept of Market Lots.
34
Change of address, Signature, Dividend Mandate, registration of power of attorney,

transmission etc. can be effected across companies held in demat form by a single instruction
to the Depository Participant (DP).
Holding / Transaction details through Internet / email.
HDFC Bank Ltd provides convenient facility called 'SPEED-e' (Internet based transaction)
whereby account holder can submit delivery instructions electronically through SPEED-e
website. SPEED-e offers secured means of transaction processing eliminating preparation of
instruction slips and submission of the same across the counter to the depository participant.
The 'IDEAS' facility helps in viewing the current transactions and balances (holdings) of
Demat account on Internet on real time basis.
ICICI DIRECT
ICICI Direct is stock trading company of ICICI Bank. Along with stock trading and trading in
derivatives in BSE and NSE, it also provides facility to invest in IPOs, Mutual Funds and
Bonds.
Trading is available in BSE and NSE
ICICI Direct offers 3 different online trading platforms to its customers
Type of Account
1. Share Trading Account
Share Trading Account by ICICI Direct is primarily for buying and selling of stocks in BSE
and NSE. This account allows Cash Trading, Margin Trading, Margin PLUS Trading, Spot
Trading, Buy Today Sell Tomorrow and Call and Trade on phone. ICICIDirect.com website is
the primary trading platform for this trading account. They also provide installable
application terminal based application for high volume trader.
2. Wise Investment Account

Online Mutual funds investment allows investor to invest on-line in around 19 Mutual
Fund companies. ICICI Direct offers various options while investing in Mutual Funds
like Purchase Mutual Fund, Redemption and switch between different schemes,
Systematic Investment plans, Systematic withdrawal plan and transferring existing
35
Mutual Funds in to electronic mode. This account also provides facility to invest in
Government of India Bonds and ICICI Bank Tax Saving Bonds.
Active Trader account gives more personalized investment options to the investors. It allows
investor to use online and offline stock trading. It also provides with independent market
expertise and support through a dedicated Relationship Manager from ICICI.
Disadvantages of ICICI Direct

Getting access to ICICIDirect.com website during market session can be frustrating.
OBJECTIVE
To know the perception of customers for the Angel Broking Ltd.

To find the Duration of investment in shares.
To know the customers perception towards the demat services provided by angel.
36
RESEARCH METHODOLOGY
INTRODUCTION:Research Methodology refers to search of knowledge .one can also define research
methodology as a scientific and systematic search for required information on a specific
topic.
The word research
methodology comes from the word advance learner s dictionary
meaning of research as a careful investigation or inquiry especially through research for new
facts in my branch of knowledge for example some author have define research methodology
as systematized effort to gain new knowledge.
METHODS OF DATA COLLECTION

In the project work Primary data secondary data (both) sources of data has been used .
1. Primary data collection:

Primary data may be described as those data that have been observed and
recorded by the researcher for the first time to their knowledge. I have collected
primary data through close ended questionnaire method, filled by the investors in
Ahmedabad city who Demat account in Angel Broking.
Primary data can be collected either through experiment or through

survey.
The data collection for this study was done in the following manner:
Through questionnaire:Information to find out the investment potential and goal was found out through
questionnaires.
Through Tele-Calling:Information was also taken through telephone calls.
37
2. Secondary sources of data:

In the secondary sources of data is used. (Internet, magazine, books, journals)
Research Design:For the proper analysis of data simple quantitative technique such as percentage were
used. It help in marketing more accurate generalization From the data available .
I have used descriptive type of research.
Research Approach:
For gathering primary data, I have used survey approach, which is widely used method
for data collection and best suited for quantitative descriptive type of research survey.
Research Instrument: - questionnaire

Questionnaire design: Single Respondent Method
Sampling Survey
In sampling survey-selected sample are determinate and surveyed for collection of
relevant data for that it has employed sampling method.
Here for research purpose sampling plan is prepared. This plan called for three
decisions.
Sample Unit
Sample Size
Sample Procedure
Sampling unit:
As here my objective is to know about Customers preference towards Angel Broking
Demat Account. My sample unit consists of Customer Of Angel Broking Ltd residing
in Ahmedabad city.
Sample size:
For the purpose of research 100 Customers of Angel Broking Ltd belonging to
Ahmedabad have been surveyed, and through this their preference regarding Demat
Account is judged.
38
Sampling procedure:
To obtain representative center sample of the population should be drawn. Thus here
simple random sampling method is used for Customers of Angel Broking Ltd
39
DATA ANALYSIS AND INTERPRETATION

Demographic Profile:Q1. Gender:Gender
Percentage of
respondent
80%
20%
Male
Female
Percentage of respondent
20%
Male
Female
80%
Interpretation:The above chart is explained is 80% male respondent in share market. And 20% female
respondent in share market.
40
Q2. Age Group:

Age of Respondent
Percentage of
respondent
18-25
10%
25-35
20%
35-50
15%
>50yrs
5%
10%
20%
18-25
25-35
30%
35-50
40%
>50yrs
Interpretation:The above chart show that maximum respondent age is between 25-35 years, and minimum
respondent age above 50 years, and 30% respondent age between 35-50 years.
41
Q3. Qualification:Qualification of Respondent

percentage
HSC
20%
Graduate
20%
Postgraduate
10%
Qualification of Respondent percentage

20%
40%
HSC
Graduate
Postgraduate
40%
Interpretation:The 40% is passed HSC qualified, 40% Graduate and at last 20% is Postgraduate are invest in
share market.
Q4. Occupation:42
Occupation of Respondent
Percentage
Student
5%
Professional
10%
Businessma
n
20%
Service
15%
Occupation of Respondent Percentage

10%
30%
Student
20%
Professional
Businessman
Service
40%
Interpretation:The maximum activate on stock market is Businessman people make a more money.
Professional is 20% and service people is 30% invest in stock market.
Q5. Annual Income:Annual income of Respondent

43
percentage
1 lakh 2 lakh
10%
2 lakh 4 lakh
15%
4 lakh 6 lakh
20%
6 lakh 10 lakh
5%
Annual income of Respondent percentage

10%
20%
1 lakh 2 lakh
2 lakh 4 lakh
40%
4 lakh 6 lakh
30%
6 lakh 10 lakh
Interpretation:The above chart show that 20% respondent between 1-2 lakhs, maximum respondent is
annual income between 4 lakh- 6 lakhs. And minimum annual income respondent is 10%
between 6 lakh- 10 lakhs.
Primary Data:Q1.Do You Have Demat Account?

44
Have Demat account

Yes
No
Percentage of
respondent
80%
20%
20%
Yes
No
80%
Interpretation:
The Above Pie Chart Explain that the customer has 80% has a demat account. And 20% has
not demat account.
Q2. Are you Invest in Share Market?

45
Invest In Share Market

Yes
No
Percentage of
respondent
72%
28%
28%
Yes
No
72%
Interpretation:
The Above Pie Chart 72% invests in share market and 28% not invest .The most of people
invest in share market for the purpose make money and for fun.
Q3. In which of these Financial Instruments do you invest into?

46
Financial Instrument
Mutual Fund
Bond
Online trading
Derivative
25%
16%
50%
9%
9%
25%
Mutual Fund
Bond
Online trading
50%
16%
Derivative
Interpretation:This shows that although the online trading is now rise yet, the customer sometime invest in
stock market just for fun, and maximum person are invest for the better return money back.
Q4. Duration for Which Investor has been transact In the Stock
Exchange?
47
Duration Transact in stock

exchange
< 1 year
1 year
2 year
> 2 year
10%
15%
20%
5%
10%
20%
< 1 year
1 year
40%
2 year
30%
> 2 year
Interpretation:The Above Chart show the maximum respondents are since 2 year invests in share market.
The 20 respondents is less than 1 year. At last more than 2 year number of respondent is only
10.
Q5. Are you aware of online Share trading?

48
Aware of online share

trading
Yes
No
Percentage of
respondent
72%
28%
Yes
No
28%
72%
Interpretation:
Most of respondent are aware about online trading in share market. The internet education are
increase the investors knowledge and market awareness about investing the money.
Q6. Do you Trade frequently or occasionally?

49
Trade
Frequently
Occasionally
Percentage of
respondent
80%
20%
Frequently
Occasionally
20%
80%
Interpretation:
This pie-chart shows that the investors invest in share market daily and some investors are
occasionally.
50
Q7. Do you know about the facilities provided by the angel

broking?
Awareness of
facilities
Yes
No
Percentage of
respondent
82%
18%
90%
80%
70%
60%
50%
40%
30%
20%
10%
0%
Percentage of
respondent
Yes
No
Interpretation:
This chart shows that maximum respondent aware about facilities provided by angel broking
to his investors.
51
Q8. Angel Broking Company Demat Account Offered a Large

Number Of Services?
Large no. of services
Angel Broking
Yes
No
Percentage of
respondent
70%
30%
30%
Yes
No
70%
Interpretation:
This pie-chart shows that angel broking has provided maximum services. Angel Broking
brand image is good in market.
52
Opening Charges of
Demat Account
Percentage of
respondent
Satisfied
30
Neutral
10
Dissatisfied
10
Q9. Are you satisfied with the

charges charged by angel
broking for opening demat
account? (With Annual
Maintenance Charge)
30
25
Percentage of
respondent
20
15
10
5
0
Satisfied
Neutral
Dissatisfied
INTERPRETATION:60% have respondent of Satisfied. 20% have respondent of neutral,

20% have respondent of Dissatisfied.
53
Less
Brokerage
Rate
Yes
No
Percentage of
respondent
77%
23%
Q10.Angel Broking Company

provides a less BROKARAGE rate?
23%
Yes
No
77%
Interpretation:
Above Chart Show the company provide less brokerage rate to the investors.
And increase the number of investors.
54
Perception of customer
For angel broking
Percentage of
respondent
Good
28
Average
14
Bad
Q11.What is the perception

regarding the Angel Broking
Ltd?
For angel broking
16%
Good
28%
56%
Average
Bad
INTERPRETATION:The customer preference is given in above chart. 56% have respondent of Good. 28% have
respondent of Average, 16% have respondent of Bad.
55
Finding
80% has a demat account and 20% has not demat account.
Most of respondent has invest in share market
Most of respondent has invested in share market for money return and other for fun.
50% invest on online trading, 25% invest in mutual fund, 16% bond and 9% invest in
derivatives.
Most of respondent has 2 years, and 1 years experience in share market.
The 80% investors invest frequently and 20% investors invest occasionally.
The maximum respondent is aware about providing angel broking facilities.
The angel broking company provide large number of services for demat account.
Maximum respondent is satisfied with demat account charges charged by company
Angel broking provide the less brokerage rate.
56 respondents are good, 28 respondents are average and 16 respondents are bad for
the perception of Angel Broking Company.
56
LIMITATION
The time constraint was one of the major problems.
The study is limited to the different schemes available under the Demat account
selected.
The lack of information sources for the analysis part.
Geographical locations.
Extreme variability in MARKET.
Some of the respondents do not give proper answers of questions.
Sample Size limited for study on the demat account.
57
SUGGESTION
1. The Brand image of Angel Broking Ltd. is good in market customer satisfaction the
company has to provide the better service.
2. Those investors are not activate on share market to active them.
3. The call new client and informed them about providing guidance in share market.
4. They should provide should offers and facilities to their customers to increase their
attractiveness about demat.
5. Increase fast services.
6. They should provide a better communication with their customer not contactable.
58
CONCLUSION
Angel Demat Account is better than other Demat account.
Angel Broking Ltd. has good return of investment.
A good brand is always welcomed over here people are aware of quality so they go
for ready to spend bucks of money.
At last all conclusion be concluded by that Angel Broking Ltd. is still growing
industry in India
Angel Broking Ltd. accounts have less brokerage rate.
It provides a security with the use of special type of key.
59
BIBLIOGRAPHY
Websites:
www.angelbroking.com
www.hdfc.com
www.icicidirect.com
www.demataccount.com
Angel debit account form
Broacher, magazine, internet
60
QUESTIONNAIRE
Dear Respondent,
I am a student of MBA (SEM 2) CENTER FOR MANAGEMENT STUDIES,
conducting research for the purpose of knowing The research is on the topic Angel
Broking Demat Account I would be thankful if you spare some time to answer the
following questions .Here with I assure you that data given by you will be used only for
academic purpose.
DEMOGRAPHIC PROFILE
Part:-1
NAME:
Gender:
Male [ ] Female [ ]
Age Group:18 to 25 [ ]
25 to 35 [ ]
35 to 50 [ ]
above 50 [ ]
Qualification:HSC [ ]
Graduate [ ]
Post Graduate [ ]
61
Occupation
Student [ ]
service [ ]
Business [ ]
other [ ]
Annual income
1lakh -2lakh [ ] 2lakh- 4lakh [ ]
4lakh - 6lakh [ ] 6lakh -8lakh [ ]
62
Part 2:-
Q1. Do You Have Demat Account?

Yes
No
Q2. Are you Invest in Share Market?

Yes
No
Q3. In which of these Financial Instruments do you invest into?

Shares
Mutual Funds
Bonds
Derivatives
Q4. Duration for Which Investor has been transact In the Stock
Exchange?
< 1 year
1 Year
2 Year
> 2 Year
Q5. Are you aware of online Share trading?

Yes
No
Q6. Do you Trade frequently or occasionally?

Frequently
Occasionally
Q7. Do you know about the facilities provided by the angel

broking?
Yes
NO
Q8. Angel Broking Company Demat Account Offered a Large

Number Of Services?
Yes
NO
63
Q9. Are you satisfied with the charges charged by angel

broking for opening demat account? (With Annual
Maintenance Charge)
Satisfied
Neutral
Dissatisfied
Q10.Angel Broking Company provides a less BROKARAGE

rate?
Yes
No
Q11.What is the perception regarding the Angel Broking Ltd?

Good
Average
Bad
64

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CENTER OF MANAGEMENT STUDIES (CMS)

CENTER OF MANAGEMENT STUDIES (CMS)

Certificate from the Faculty Guide

Signature of the FacultyGuide______________

CENTER OF MANAGEMENT STUDIES (CMS)

Name: Desai Gunjan R

MBA (F.S) SEM- II

CENTER OF MANAGEMENT STUDIES (CMS)

CENTER OF MANAGEMENT STUDIES (CMS)

CENTER OF MANAGEMENT STUDIES (CMS)

TABLE OF CONTENTS FOR PROJECT REPORT

CENTER OF MANAGEMENT STUDIES (CMS)

CENTER OF MANAGEMENT STUDIES (CMS)

Angel Broking Limited

CENTER OF MANAGEMENT STUDIES (CMS)

CENTER OF MANAGEMENT STUDIES (CMS)

To provide best value for money to investors through innovative products.

State of the art technology and personalized service.

CENTER OF MANAGEMENT STUDIES (CMS)

CENTER OF MANAGEMENT STUDIES (CMS)

CENTER OF MANAGEMENT STUDIES (CMS)

Angel Broking Ltd

Mr. Lalit Thakkar Director Research

CENTER OF MANAGEMENT STUDIES (CMS)

Mr. Amit Majumdar Chief Strategy Officer

Mr. Rajiv Phadke Executive Director HR & Corp. Communications

management. With over 32 years of experience, Mr. Phadke has

Mr. Vinay Agrawal Executive Director Equity Broking

CENTER OF MANAGEMENT STUDIES (CMS)

Mr. Nikhil Daxini Executive Director - Sales and Marketing

Mr. Hitungshu Debnath Executive Director - Distribution & Wealth

Mr. Mudit Kulshreshtha Executive Director - Business Intelligence &

CENTER OF MANAGEMENT STUDIES (CMS)

Mr. Ketan Shah Associate Director - Information Technology

IT is a strategic function at Angel. And Mr. Ketan Shah is involved in the

Ms. Pinky Kothari Associate Director - Sales And Marketing

CENTER OF MANAGEMENT STUDIES (CMS)

Ms. Pinky Kothari is responsible for development and expansion of the

Mr. Naveen Mathur Associate Director Commodities Business

A CFA of 1997, Mr. Mathur holds a Post Graduation degree in Financial

CENTER OF MANAGEMENT STUDIES (CMS)

SWOT ANALYSIS:Strength: Co-operative and Experienced Branch Managers

Weakness: Inexperienced Staff

Opportunity: Untapped Market

Threat: Increase Number Of Competitors

WHAT DOES ANGEL BROKING LTD. OFFERS

CENTER OF MANAGEMENT STUDIES (CMS)

4. Access to Research Reports

5. Transparency and Confidentiality

CENTER OF MANAGEMENT STUDIES (CMS)

CENTER OF MANAGEMENT STUDIES (CMS)

Generating new leads through various activities

CENTER OF MANAGEMENT STUDIES (CMS)

Less success rate

Description of live experience

Good Communication Skills (Voice quality is clear and articulate)

Problems faced while Customer Meeting:

CENTER OF MANAGEMENT STUDIES (CMS)

Success is a journey, not a destination