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Comparative analysis of investment patterns, market segmentation, market feedback and the formulation of new strategies

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indian project
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  1. Executive summary
  2. Company profile
  3. Objective of the study
  4. Major players in the field of housing finance
  5. Details of loan transfer cases studies (Analysis)
  6. Trend analysis of financial institution offering home loans
  7. Result and suggestions
  8. Limitations
  9. Appendix
  10. Bibliography

HDFC commenced operations as a mortgage bank; it raised large wholesale resources (domestic and international) and lent primarily to individual households. In mid 1991, HDFC entered the retail deposit market by offering savings and investment opportunities to households. Incorporated in 1977 with a share capital of Rs. 10 crores, HDFC has since emerged as the largest residential mortgage finance institution in the country. The corporation has had a series of share issues raising its capital to Rs. 120 crores. The net worth of the corporation is Rs. 28,000 crores.

The insurance Regulatory and Development bill is now an Act, With this India is now the cynosure of all the global insurance players. Numerous players, both Indian and foreign, have announced their intention to start their insurance shops in India. IRDA, under the chairmanship of Mr. Rangachary, opened the window for applying licenses in India on the 16th of August. Dabur- All state the Prudential ? ICICI were the first of the block to apply on the very first day. But before any one starts to talk about the insurance sector in India, it is important to know the figures that entice each hand every body in the sector.

A population of over a billion people, a strong middle class of 200-300 million, only 70 million people in the country insured. These statistics reflect the preference to the Indian market that has led to a paradigm shift in the image and perception of the insurance industry in India. The Insurance Regulatory and Development Authority (IRDA) Bill passed in 1999 has opened up the insurance sector to private and foreign players, waving away initial apprehensions and objections raised.

[...] The important decision points that needs to be made at the time developing the product are As follows: Acceptability of unit linked approach ii) Fund Management iii) Charges and Expenses iv) Administration products offered by other market players vi) System support vii) Training and Education viii) Regulatory constraints Till now, the companies (Indian corporates) in India were not exposed to this type of a scheme where the entire investment risk and hence the reward being borne by the company/Trustees. It is hence extremely difficulty to predict how the Indian corporates would react to this. [...]


[...] These statistics reflect the preference to the Indian market that has led to a paradigm shift in the image and perception of the insurance industry in India. The Insurance Regulatory and Development Authority (IRDA) Bill passed in 1999 has opened up the insurance sector to private and foreign players, waving away initial apprehensions and objections raised. The appropriate products have now outrun initial domestic concerns that new insurers must be strong and will regulated; that insurance premia, which are substantial, should not steep out of the country, and that foreign participation in the sector should be limited and pricing offered by the private entrants. [...]


[...] In recent times, it has promoted several new ventures in high growth areas of the economy such as financial services, telecommunications, information technology, auto components, oil field services, and process management systems. The Group has had a long association with insurance sector having been the largest insurance company in India prior too the nationalization of insurance. PRODUCT PROFILE Tata AIG Life Insurance Policies offer endowment products, money-back product, and term products, Add ons and options to these policies give you flexibility and choice. [...]

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