factors contributing in buying behaviour of idbi financial products
TRANSCRIPT
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FACTORS
CONTRIBUTING TOBUYINGBEHAVIOROF IDBI-
FEDERALLIFEINSURANCECO LTDFINANCIALPRODUCTS
BY:ABISHEK AGANESH
10BSPHH010028
[Type !e "#!$% &"'e(
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A REPORT
ON
FACTORS CONTRIBUTING TO BUYING BEHAVIOR OF IDBI FEDERAL LIFE
INSURANCE CO LTD FINANCIAL PRODUCTS
SUBMITTED BY: To:
ABISHEK A GANESH MR. Y L N KUMAR
10BSPHH010028 FACULTY GUIDE
A REPORT SUBMITTED IN PARTIAL FULFILLMENT OF THE
REQUIREMENTS OF MBA PROGRAM.
DATE OF SUBMISSION- 13TH MAY, 2010
2
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ACKNOWLEDGMENT
Fi!" #$% &'()'!" I *'+% i( "' "#( "i! '//'"+$i" "' "#$ Mr. Nages!ara
Rao CEO &' ($#i$4 "( 5')/("i'$ '& "i! /'6(5".
I *'+% #!' i( "' (7/(!! ) 4#"i"+%( "' Mrs. Sa"#$ Yag%a"a# & Mr.
Sa#%a'a(a" &' /'i%i$4 +! #$ '//'"+$i" "' *' i$ IDBI Fe)era( L$*e
I"s+ra",e Co L#).
N'" "' &'4(" FACULTY GUIDE, &' 4ii$4 i! #+#( 4+i%#$5(, (#"!+//'" #$% !+44(!"i'$! "' )#( "( /'6(5" # !+55(!!&+ '$(.
L#!" I *'+% i( "' "#$ - Co((ege Nae/ &' 4ii$4 )( "i! '//'"+$i" "'
*' i$ # 5')/("i"i( '4#$i9#"i'$. Ti! '//'"+$i" #! (% )( "' +$%(!"#$% "(
$+#$5(! '& *'i$4 #'$4 *i" &'!"(i$4 /(!'$# 4'*" #! *( #! #+( #%%i"i'$.
T(( #( (($ $+)('+! i$&+($5(!, i4 #$% !)# "#" #( (/(% )( "' *'
'$ ) /'6(5" !+55(!!&+.
R(4#%(!! '& "( !'+5(, I "#$ # "'!( *' #( 5'$"i+"(% "' "i! /'6(5".
)
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TABLE OF CONTENTS
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ABSTRACT
T( '6(5"i( '& "i! /'6(5" i! "' i%($"i& #$% /i$/'i$" # "( "'! *i5 #( (!/'$!i( &'
"( +i$4 (#i' '& &i$#$5i# /'%+5"!, IDBI F(%(# Li&( I$!+#$5( C' L"%, i$ /#"i5+#.
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I$!+#$5( (i$4 # !(i5(, "( "'! *i5 (#% "' +i$4 (#i' '& i$!+#$5( /'%+5"! #(
#"( '!5+( #$% $'" (#! "' !/'". H'*(( #! i" i! #$ '&&(i$4 "' "( 5'$!+)(! "(( #( "'
(7i!" # $+)( '& (#!'$! %+( "' *i5 /('/( 5'!( "' + &i$#$5i# /'%+5"!.
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+ i$!+#$5( /'%+5"! #! *( #! +!( !"#"i!"i5# "''! i$ '%( "' 5(#"( #!("! '& 5'(#"(%
"'! *i5 5#$ ( "#5(% "'4("(.
A&"( %#"# #$#!i! &') "( !+( "#" *#! 5'$%+5"(% i" *#! !(($ "#" "( #i#(! 5'!($ &'
#$#!i! 4'+/(% "()!((! i$"' = %i!"i$5" "'!. T( "'! *(( $#)( Pro)+,#
Cara,#er$s#$,s0 I"#er"a( Mar1e#$"g0 E2#er"a( Mar1e#$"g #$% E2#r$"s$, Fa,#ors.
T( &i$%i$4! #$% 5'$5+!i'$! #( &'5+!(% '$ "( I"#er"a( Mar1e#$"g #!/(5"! '& IDBI- F(%(#
Li&( I$!+#$5( C' L"%,. Ti! /#"i5+# "' *i5 !"(!!(! '$ "( i$"($# 5+!"')(! '
()/'((! i! i)/'"#$" #! "( !#(! &'5( '& "( '4#$i9#"i'$ /#! # ( i"# '( i$ !#(! '&
IDBI-F(%(# Li&( I$!+#$5( C' L"% &i$#$5i# /'%+5"!.
T( '+"5')( '& "( /'6(5" i! #$ '4#$i9#"i'$ !/(5i&i5 RATER- )'%( %(('/(% &' IDBI-
F(%(# Li&( I$!+#$5( C' L"%.
T( !#(! &'5( !'+% ( (%+5#"(% *i" (!/(5" "' "i! /#"i5+# )'%( !' #! "' ($#$5(
5+!"')( (7/(i($5(! #$% "+! i$5(#!i$4 "( #$% (@+i" !+!(@+($".
INTRODUCTION
IDBI FEDERAL LIFE INSURANCE CO LTD
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IDBI Fe)era( L$*e I"s+ra",e Co L#) i! # 6'i$"-($"+( '& IDBI B#$, I$%i#!
/()i( %(('/)($" #$% 5'))(5i# #$, F(%(# B#$, '$( '& I$%i#! (#%i$4
/i#"( !(5"' #$! #$% A4(#!, # )+"i$#"i'$# i$!+#$5( 4i#$" #!(% '+" '&
E+'/(. I$ "i! ($"+(, IDBI B#$ '*$! =8 (@+i" *i( F(%(# B#$ #$%
A4(#! '*$ 2; (@+i" (#5. A" IDBI F(%(#, *( ($%(#' "' %(i( /'%+5"!
"#" /'i%( #+( #$% 5'$($i($5( "' "( 5+!"')(. T'+4 # 5'$"i$+'+! /'5(!!
'& i$$'#"i'$ i$ /'%+5" #$% !(i5( %(i( *( i$"($% "' %(i( *'%-5#!!
*(#" )#$#4()($", /'"(5"i'$ #$% ("i()($" !'+"i'$! "' I$%i#$ 5+!"')(!.
H#i$4 !"#"(% i$ M#5 2008, i$ 6+!" &i( )'$"! '& i$5(/"i'$ *( (5#)( '$( '&
"( !"(!" 4'*i$4 $(* i$!+#$5( 5')/#$i(! "' 4#$( R! 100 C i$ /()i+)!.
T( 5')/#$ '&&(! i"! !(i5(! "'+4 # #!" $#"i'$*i%( $("*' #5'!! "(
#$5(! '& IDBI B#$ #$% F(%(# B#$ i$ #%%i"i'$ "' # !i9(#( $("*' '&
#%i!'! #$% /#"$(!. A! '$ M#5 31!" 2011, "( 5')/#$ #! i!!+(% '( 2.?2
# /'i5i(! *i" '( R! 1;, 38= C i$ S+) A!!+(%.
A'+" "( !/'$!'! '& IDBI F(%(# Li&( I$!+#$5( C' L"%
IDBI Ba"1 L#). 5'$"i$+(! "' (, !i$5( i"! i$5(/"i'$, I$%i#! /()i( i$%+!"i#
%(('/)($" #$. C(#"(% i$ 1?:; "' !+//'" I$%i#! i$%+!"i# #5'$(, IDBI
B#$ #! !i$5( ('(% i$"' # /'*('+!( '& i$%+!"i# #$% ("#i &i$#$5(. T'%#, i"
i! #)'$4!" I$%i#! &'()'!" 5'))(5i# #$!, *i" # *i%( #$4( '& i$$'#"i(
/'%+5"! #$% !(i5(!, !(i$4 ("#i #$% 5'/'#"( 5+!"')(! i$ # 5'$(! '& "(
5'+$" &') 81; #$5(! #$% 13>2 ATM!. T( B#$ '&&(! i"! 5+!"')(! #$
(7"($!i( #$4( '& %i(!i&i(% !(i5(! i$5+%i$4 /'6(5" &i$#$5i$4, "() ($%i$4,
*'i$4 5#/i"# ii"i(!, (#!( &i$#$5(, ($"+( 5#/i"#, '#$ !$%i5#"i'$, 5'/'#"(
#%i!' !(i5(! #$% (4# #$% "(5$i5# #%i!' !(i5(! "' i"! 5'/'#"( 5i($"!
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%(('/)($" '& ( i$!"i"+"i'$! i$'(% i$ I$%i#! &i$#$5i# !(5"' N#"i'$#
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SHCIL S"'5 H'%i$4 C'/'#"i'$ '& I$%i# L"%, CARE C(%i" A$#!i! #$%
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/(!($5( i$ "( !"#"( '& K(##. I" #! # !"'$4 $("*' '& '( >3? #$5(! #$%
>?> ATM! !/(#% #5'!! I$%i#. T( #$ /'i%(! '( &'+ )ii'$ ("#i
5+!"')(! *i" # *i%( #i(" '& &i$#$5i# /'%+5"!. F(%(# B#$ i! '$( '& "( &i!"
#4( I$%i#$ #$! "' #( #$ ($"i( #+"')#"(% #$% i$"(5'$$(5"(% #$5
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/i'$(( i$ /'i%i$4 i$$'#"i( "(5$''4i5# !'+"i'$! "' i"! 5+!"')(! #$% "(
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5')/("i"i'$ #! 4'*$ )'( i$"($!( "( %#. B +!i$4 #%("i!i$4 #$%
'"( /')'"i'$# "''!, "( /#(! i$ "( i$!+#$5( i$%+!" #( )#i$4
!+( "( #( (#5i$4 '+" "' "( "#4(" 5+!"')(! #$% i$ "( /'5(!!
(%+5#"i$4 "(!( /'!/(5"i( 5i($"! (4#%i$4 i$!+#$5(. T( !"#"(4 "' +$"
&' $(* )#("! #! (($ !+//()($"(% $(* /'%+5" '&&(i$4! #! *(
• Ne! Pro)+,# De3e(o6e"# T(( #! (($ #$ ## '& $(* #$% i$$'#"i(
/'%+5"! '&&((% "( $(* /#(! )'!" &') "( !"#( '& "(i
i$"($#"i'$# /#"$(!. T( )#i$ 5'$5(/" +$%(i$4 $(* /'%+5"
%(('/)($" #! (($ Nee) 'ase) 6os$#$o"$"g )e3e(o6e"# #$% Var$e#%
'ase) )e3e(o6e"#. T( 5+!"')(! #( )#$ 5'i5(!- "( 5#$ 4' i$ &'
'/"i'$! #$4i$4 &') /+( i$!+#$5( /'%+5" "' +$i" i$(% i$(!")($"
/'%+5"!. A!' "( #( '&&((% # #i(" '& ($(&i"! 5#(% r$)ers &')
*i5 "( 5#$ /i5 #$% 5''!(.
• C+s#oer Ce"#r$, A66roa, CRM i! "( +99*'% #$% !' i! 5+!"')(
!#"i!"i'$. H($5( "( !#(! &'5( #$% "(5$''4 /'5(!! (&&'"! #( (($
1)
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"'*#%! )#i$4 "( (7/(i($5( &' "( 5'$!+)( #! (#! #$% #! +!( &i($%
#! /'!!i(.
Maor P(a%ers $" #e I"s+ra",e I")+s#r%
L$*e I"s+rers
• HDFC S"#$%#% Li&( I$!+#$5( C')/#$ Li)i"(%
• M#7 N(* Y' Li&( I$!+#$5( L"%
• ICICI P+%($"i# Li&( I$!+#$5( C')/#$ L"%
• O) K'"# M#i$%# Li&( I$!+#$5( C' L"%
• Bi# S+$ Li&( I$!+#$5( C' L"%
• T#"# AIG Li&( I$!+#$5( C' L"%
• SBI Li&( I$!+#$5( C' L"%
• ING #!# Li&( I$!+#$5( Pi#"( L"%
• Ai#$9 B#6#6 Li&( I$!+#$5( C' L"%
• M("i&( I$%i# I$!+#$5( C' L"%
• D#+ CGU Li&( I$!+#$5( C')/#$ P" L"%
1*
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Ge"era( I"s+rers
•R'# S+$%##) Ai#$5( I$!+#$5( C' L"%
• R(i#$5( G($(# I$!+#$5( C' L"%
• T#"# AIG G($(# I$!+#$5( C' L"%
• B#6#6 Ai#$9 G($(# I$!+#$5( C' L"%
•
ICICI L')#% G($(# I$!+#$5( C' L"%
• C'#)#$%##) G($(# I$!+#$5( C' L"%
• E7/'" C(%i" G+##$"(( C'/'#"i'$ L"%
• HDFC C+ G($(# I$!+#$5( C' L"%
1+
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INTRODUCTION
INCOMESURANCE & SALES FORCE
I$5')(!+#$5( i! "( &i$#$5i# /'%+5" '& IDBI F(%(# Li&( I$!+#$5( C' L"% "#"
*( *(( #!(% "' %' !#(! &'.
T( /'%+5" /'&i( i! #! 4i($ ('*
• T( /'%+5" *'! #! #$ i$!+#$5( !5()( *i5 '&&(! !"(#% i$5')(
%+i$4 "( !(5'$% #& '& "( /'i5 "().
• T( #"( '& ("+$ i! /(44(% #4#i$!" "( G-!(5 #"(! *i5 #( ((#!(% "(
FIMMDAFi7(% I$5')(, M'$( M#(" #$% D(i#"i(! A!!'5i#"i'$ ((
)'$".
• T( /#'+" "#" "( 5+!"')( (5(i(! i! %(5i%(%, i4" *($ "( /()i+) i!
/#i% "+! (i)i$#"i$4 i! #$% )#i$4 "( /'%+5" # ( !#&( (" *i"
)'%(#"( ("+$!.
• O/"i'$ "' (5(i( +)/ !+) #! i$ E$%'*)($", ' /(i'%i5# #! i$ M'$(
B#5.
• T#7 %(%+5"i'$! '$ /()i+) +$%( S(5 80C #$% T#7-&(( i$5')( +$%( S(5
1010D.
1,
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IDBI FEDERAL LIFE INSURANCE LIMITED
ORGANI;ATIONAL CHART
1
CHIEF E
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;ONAL = WISE ORGANI;ATIONAL STRUCTURE
18
COUNTRY HEAD
Mr.M+ra($
NORTH
;ONAL
HEAD
EAST ;ONAL
HEAD
SOUTH
;ONAL HEAD
Mr.Ba(a$
WEST ;ONAL
HEAD
HYDE
AR
HE
BENGALURU
AREA
HEAD
COIMBATORE
AREA HEAD
Mr. V$a%
K+ar
MUMBAI LUCKNOW
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AREA = WISE ORGANI;ATIONAL STRUCTURE
1.
BRANCH HEAD
COIMBATORE
AREA HEAD
SENIOR E
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INTRODUCTION
IDENTIFICATION OF FACTORS AFFECTING BUYING
BEHAVIOR
C'$!+)( (#i' i! "( !"+% '& '* i$%ii%+#!, 4'+/!, #$% '4#$i9#"i'$!
!((5", +, +!( #$% %i!/'!( '& 4''%!, !(i5(!, i%(#!, ' (7/(i($5(! "' !#"i!& "(i
$((%! #$% *#$"!.
i" (!/(5" "' &i$#$5i# /'%+5"! &') #$ i$!+#$5( 5')/#$ "( 5'$!+)(
(#i' i! $'" 5(# %(&i$(%.
C'$!+)( (#i' &' !(i5(! 4($(# # &') "#" '& /'%+5"!, '*((
*($ i" 5')(! "' &i$#$5i# /'%+5"! "( ##i#( i"(#"+( '$ +i$4 (#i'
! !'".
T( '6(5"i( '& "i! /'6(5" i! "' i%($"i& # /'!!i( "'! *i5 i$&+($5(
5'$!+)(! '$( *# ' "( '"( *i" (!/(5" "' IDBI Fe)era( L$*e I"s+ra",e Co
L#) &i$#$5i# /'%+5"!.
20
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a. OB>ECTIVE T' i%($"i& "( "'! *i5 #&&(5" +i$4 (#i' '&
IDBI-F(%(# Li&( I$!+#$5( C' L"%.
Ti! /'6(5" i! %(%i5#"(% i$ i%($"i&i$4 # "( "'! *i5 i$&+($5( "(
5'$!+)(! "' /+5#!( IDBI F(%(# Li&( I$!+#$5( C'. /'%+5"!. T'+4
"( (7"($!i( !"+% '& "'! "( /'6(5" '/(! "' &i$% '+" 5'(#"i'$!
#)'$4!" "'! #$% '* "( 5')/#$ 5#$ +!( "i! i$&')#"i'$ "' %(('/
#&&(5"i( /')'"i'$# !"#"(4i(! "+! (#%i$4 "' +!i$(!! %(('/)($".
'. FACTORS CONSIDERED:
T( &'()'!" !"(/ "' "( (!(#5 /'5(!! i! "' i%($"i& "( #!i5 #i#(!
*i5 "($% "' #&&(5" 5'$!+)( (#i' "'*#%! # /#"i5+# /'%+5" (i"(
'# '& +$'#.
I$ "i! /#"i5+# /'6(5", "( "''! +!(% "' #i( #" "( i$i"i# i!" '& #i#(! '
"'! *i5 i$&+($5( +i$4 (#i' #(
1 E7/(i($5( S+(
2 I$&')# I$"(i(*!
T( %(5i!i'$ "' +!( (7/(i($5( !+( #$% i$&')# i$"(i(*! *#! )#%(
((/i$4 i$ )i$% "#" "( i$%+!" '& i$!+#$5( i! (#"i( $(* "' INDIA, "(
#i'+! "'! ' #i#(! *i5 #&&(5" "( 5'$!+)(! #( $'" (($ !"+%i(!
"''+4 #! (".
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E7/(i($5( S+( i! # "/( '& !+( *(( "( @+(!"i'$$#i( i! 5i5+#"(%
#)'$4!" (7/(i($5(% /(!'$$( &') "( (#"(% &i(% '& (7/("i!( i$ '%( "'
4(" # 4''% i%(# '& # "( #i#(! "#" #( i$&+($"i#.
I$&')# I$"(i(*! *(( 5'$%+5"(% i$ "( '&&i5( !' #! "' $#'* %'*$ "( i!"
'& "'! ##i#(.
T(!( "*' )("'%! '& i$i"i# #i#( i%($"i&i5#"i'$ *(( +!(% !/(5i&i5# i$
"i! (!(#5 /'6(5" %+( "' "( 5##5"(i!"i5! '& "( I$!+#$5( I$%+!" *i5 i!
'" $(* #$% +$(7/'(%. T( (7/(i($5( !+( *i5 *#! +!(% i$ "i! /'6(5"
i! !'*$ i$ "( #""#5)($"!.
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EXPERIENCE SURVEY
This is a survey intended to determine the factors which lead to buying of insurance
products.
Please answer the following question after filling in your details.
NAME:
AGE:
Contact Number:
OCCUPATION:
P(#!( #$!*( "( &''*i$4 @+(!"i'$ #!(% '$ '+ (7/(i($5( i$ "i!
/#"i5+# i$%+!"
Wa# a,,or)$"g #o %o+ are #e #o6 9 *a,#ors !$, $"*(+e",e 6eo6(e !$(e
6+r,as$"g IDBI?Fe)era( *$"a",$a( 6ro)+,#s@
1/
5.
7.
8.
9.
Fee( *ree #o +se #e ($s# o* *a,#ors e"#$o"e) 'e(o! a") $* #ere are a"% o#er
*a,#ors 6(ease e"#$o" s6e,$*$,a((%.
Bra") E+$#%
Re#+r"s *ro #e 6ro)+,#
L$*e Co3er
S6o+se I"*(+e",e
Proo#$o"a( S#ra#eg$es
Sa(es For,e
Pre$+ Pa%a'(e
Pare"#oo)
Ta2 De)+,#$o"s
Ce(e'r$#% E")orsee"#
2)
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,. METHODOLOGY
Q+(!"i'$$#i( D(!i4$
T( @+(!"i'$$#i( %(!i4$ *#! "( $(7" !"(/ i$ "( (!(#5 /'5(!! #&"(
&i$#i9i$4 '$ "( #i#(! *i5 *(( i$'(%.
1 T( @+(!"i'$$#i( *#! %(!i4$(% +!i$4 "( *+""e( #e,"$+e *(( 4($(#
@+(!"i'$! #( #!(% (&'( !/(5i&i5 '$(! i$ '%( "' '"#i$ +$i#!(%
(!/'$!(!.
2 A 9 6o$"# L$1er# S,a(e *#! #%#/"(% &' "( *'( @+(!"i'$$#i( !' "#"
"(( i! (#!( %+i$4 &ii$4 +/ '& @+(!"i'$! #$% "' ("#i$ ')'4($(i".
3 A "'"# '& 4 i%($"i&i(% #i#(! (% "' 5 @+(!"i'$! '$ "( @+(!"i'$$#i(
*i" (#5 #i#( (i$4 "(!"(% *i" "*' @+(!"i'$!. A! # "+) +( #
)i$i)+) '& 4 (!/'$%($"! #( (@+i(% "' 4(" !#"i!"' (!+"! &' 4
#i#(! "+! i" *#! %(5i%(% "' +!( # !#)/( !i9( '& 49 i$ '%( "'
(i)i$#"( 5#$5(! '& ('.
= Q+(!"i'$$#i( P("(!"
T( @+(!"i'$$#i( *#! /("(!"(% *i" 10 (!/'$%($"! i$ '%( "' i%($"i& #$
i#!(% ' #)i4+'+! @+(!"i'$!.D+( "' /("(!"i$4 i" *#! (i%($" "#" (!/'$%($"! &(" %i!5')&'" %+i$4
&ii$4 "( @+(!"i'$$#i( '*i$4 "' i"! ($4" #$% "+! "( %(5i!i'$ "' )#(
"( !+( '# *#! #i(% #".
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T( %#"# 5'(5"i'$ /'5(!! $'* i$5+%(! '# @+(!"i'$i$4 # "(
(!/'$%($"! #$% (5'%i$4 "(i #$!*(! '$ "( @+(!"i'$$#i( !' #! "'
(i)i$#"( #$ i#! #$% )#( i" 5'$($i($" &' "( (!/'$%($"!.
T( @+(!"i'$$#i( i! !'*$ i$ "( #""#5)($"! /#4(
INSURANCE QUESTIONNAIREThis is a questionnaire intended to determine the factors which lead to buying of insurance products.
Please answer all the questions by choosing amongst the various alternatives.
NAME:
AGE:
2+
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Contact Number:
OCCUPATION:
ADDRESS:
4. Bra") "ae $s $6or#a"# #o e !$(e '+%$"g $"s+ra",e
S%$&yD3"%ee
45yD3"%ee Ne#%" 45y A%ee
S%$&yA%ee
1 2 ) * +
5. I o"(% '+% $"s+ra",e *ro !e(( 1"o!" orga"$a#$o"s
S%$&y
D3"%ee
45y
D3"%ee Ne#%" 45y A%ee
S%$&y
A%ee1 2 ) * +
7. I e26e,# goo) re#+r"s !e" I $"3es#$"g $" $"s+ra",e
S%$&yD3"%ee
45yD3"%ee Ne#%" 45y A%ee
S%$&yA%ee
1 2 ) * +
8. I !$(( "o# $"3es# $" a" $"s+ra",e 6o($,% $* #e re#+r"s are 3er% (o!
S%$&yD3"%ee
45yD3"%ee Ne#%" 45y A%ee
S%$&yA%ee
1 2 ) * +
9. Dea# 'e"e*$# $s ,r+,$a( !$(e $"3es#$"g $" $"s+ra",e
S%$&yD3"%ee
45yD3"%ee Ne#%" 45y A%ee
S%$&yA%ee
1 2 ) * +
. L$*e ,o3er $s 3$#a( $" a" $"s+ra",e 6o($,%
S%$&y 45y Ne#%" 45y A%ee S%$&y
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D3"%ee D3"%ee A%ee
1 2 ) * +
. M% s6o+ses ,o$,e $"*(+e",es % )e,$s$o" #o '+% $"s+ra",e
S%$&yD3"%ee
45yD3"%ee Ne#%" 45y A%ee
S%$&yA%ee
1 2 ) * +
. A*#er arr$age $# $s "e,essar% #o a3e soe #%6e o* $"s+ra",e
S%$&yD3"%ee
45yD3"%ee Ne#%" 45y A%ee
S%$&yA%ee
1 2 ) * +
. TV A)3er#$see"#s are $"*(+e"#$a( $" % 1"o!(e)ge o* $"s+ra",e 6ro)+,#s
S%$&yD3"%ee
45yD3"%ee Ne#%" 45y A%ee
S%$&yA%ee
1 2 ) * +
4. I a3e see" IDBI Fe)era( L$*e I"s+ra",e Co a)3er#$see"#s
S%$&yD3"%ee
45yD3"%ee Ne#%" 45y A%ee
S%$&yA%ee
1 2 ) * +
44. I"s+ra",e age"#s a3e ,o"3$",e) e #o '+% 6ro)+,#s 6re3$o+s(%
S%$&y
D3"%ee
45y
D3"%ee Ne#%" 45y A%ee
S%$&y
A%ee1 2 ) * +
45. I $g# $"3es# $" soe 6ro)+,# 'e,a+se o* a goo) sa(es 6$#,
S%$&yD3"%ee
45yD3"%ee Ne#%" 45y A%ee
S%$&yA%ee
2
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1 2 ) * +
47. Ao+"# o* 6re$+ I a3e #o 6a% )e,$)es !$, $"s+ra",e I '+%
S%$&yD3"%ee 45yD3"%ee Ne#%" 45y A%ee S%$&yA%ee
1 2 ) * +
48. I ,oose $"s+ra",e 6o($,$es !ere I a3e #o 6a% (ess 6re$+
S%$&yD3"%ee
45yD3"%ee Ne#%" 45y A%ee
S%$&yA%ee
1 2 ) * +
49. Be$"g a 6are"# I a3e #o #$"1 a'o+# $"s+r$"g % ,$()
S%$&yD3"%ee
45yD3"%ee Ne#%" 45y A%ee
S%$&yA%ee
1 2 ) * +
4. I"s+r$"g % ,$()s *+#+re $s o* +#os# $6or#a",e #o e
S%$&yD3"%ee
45yD3"%ee Ne#%" 45y A%ee
S%$&yA%ee
1 2 ) * +
4. I"s+ra",e $s e(6*+( !$(e *$($"g #a2 )e)+,#$o"s
S%$&y
D3"%ee
45y
D3"%ee Ne#%" 45y A%ee
S%$&y
A%ee1 2 ) * +
4. I"s+ra",e 6ro)+,#s are 'es# )es,r$'e) '% #e ,e(e'r$#% e")ors$"g #e
28
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S%$&yD3"%ee
45yD3"%ee Ne#%" 45y A%ee
S%$&yA%ee
1 2 ) * +
4. I",(+)$"g a ,e(e'r$#% $" #e$r 6roo#$o"s !o+() e(6 IDBI Fe)era(
S%$&yD3"%ee
45yD3"%ee Ne#%" 45y A%ee
S%$&yA%ee
1 2 ) * +
5. I"s+ra",e $s a ,o"3e"$e"# !a% o* a3o$)$"g #a2es
S%$&yD3"%ee
45yD3"%ee Ne#%" 45y A%ee
S%$&yA%ee
1 2 ) * +
). INTERPRETATION & ANALYSIS:
T( @+(!"i'$$#i( *#! +!(% "' 5'(5" %#"# &' #$#!i! i$ B#$4#'( 5i".
1:0 (!/'$%($"! *(( !+6(5"(% "' "( !+( #$% "(i (!/'$!(! *(( +!(%
i$ '%( "' #$#9( "( "'! *i5 (#% "' +i$4 (#i' '& IDBI-
F(%(# Li&( I$!+#$5( C' L"% &i$#$5i# /'%+5"!.
SPSS 47. ANALYSIS
2.
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1. Corre(a#$o" Ma#r$2
Correlation Matrixa
1.000 .333 -.282 .341 -.078 .122 -.001 -.050 -.244 -
.333 1.000 -.137 -.031 -.440 .212 .174 .190 .022 -
-.282 -.137 1.000 -.282 -.053 .166 -.211 .135 .247 -
.341 -.031 -.282 1.000 -.005 .047 .314 -.168 -.160 -
-.078 -.440 -.053 -.005 1.000 -.196 -.027 -.192 .024
.122 .212 .166 .047 -.196 1.000 .094 .226 .175 -
-.001 .174 -.211 .314 -.027 .094 1.000 -.039 .117 -
-.050 .190 .135 -.168 -.192 .226 -.039 1.000 .246 -
-.244 .022 .247 -.160 .024 .175 .117 .246 1.000 -
-.191 -.343 -.079 -.054 .421 -.548 -.005 -.155 -.041 1
.000 .000 .000 .171 .069 .497 .272 .001
.000 .047 .355 .000 .005 .017 .010 .397
.000 .047 .000 .259 .021 .005 .050 .001
.000 .355 .000 .474 .285 .000 .020 .025
.171 .000 .259 .474 .008 .372 .009 .387
.069 .005 .021 .285 .008 .127 .003 .016
.497 .017 .005 .000 .372 .127 .317 .077
.272 .010 .050 .020 .009 .003 .317 .001
.001 .397 .001 .025 .387 .016 .077 .001
.010 .000 .167 .257 .000 .000 .475 .029 .308
TV Ads
Returns
Tax Deductions
Parentin
Pre!iu!
Aents
"#ouse$%arriae
Deat& 'ene(it
)e*e+rit, ndorse!ents
'rand uit,
TV Ads
Returns
Tax Deductions
Parentin
Pre!iu!
Aents
"#ouse$%arriae
Deat& 'ene(it
)e*e+rit, ndorse!ents'rand uit,
)orre*ation
"i. /1-tai*ed
TV Ads Returns
Tax
Deductions Parentin Pre!iu! Aents
"#ouse$
%arriae Deat& 'ene(it
)e*e+rit,
ndorse
!ents 'rand
Deter!inant .153a.
I$"(/("#"i'$
Ti! "#( !'*! "#" $'$( '& "( #i#(! (7ii" i4 5'(#"i'$ #)'$4!"
"() #$% "+! *( 5#$ !#&( !# "(( i! $' )+"i-5'i$(#i" ("*(($ "(!(
#i#(!, !' *( $((% $'" ()'( #$ #i#(! &') "( #$#!i!.
5. KMO a") Bar#(e##s Tes#
KMO and Bartlett's Test
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aiser-%e,er-*in %easure o( "a!#*in
Adeuac,. .588
'art*etts Test o(
"#&ericit,
A##rox. )&i-"uare 272.219
d( 45
"i. .000
I$"(/("#"i'$
Ti! "#( !'*! !#)/i$4 #%(@+#5 .:88 #$% # i4 Ci-S@+#( #+(.
T+! *( 5#$ i$&( "#" "( !#)/i$4 i! #%(@+#"( #$% "( (!+"! #( #i%.
7. A"#$?Iage Corre(a#$o" Ma#r$2
Anti-image Matrices
.666 -.228 .115 -.234 -.084 -.055 .146 .018 .126
-.228 .610 .090 .163 .235 -.008 -.161 -.077 -.041
.115 .090 .770 .107 .063 -.111 .136 -.016 -.137
-.234 .163 .107 .701 .056 -.026 -.254 .073 .047
-.084 .235 .063 .056 .690 -.046 -.022 .087 -.075
-.055 -.008 -.111 -.026 -.046 .635 -.079 -.108 -.080
.146 -.161 .136 -.254 -.022 -.079 .772 .051 -.126
.018 -.077 -.016 .073 .087 -.108 .051 .846 -.160
.126 -.041 -.137 .047 -.075 -.080 -.126 -.160 .808
.041 .076 .016 .027 -.189 .297 -.058 -.019 -.005
.536a -.358 .160 -.343 -.124 -.084 .204 .023 .171
-.358 .566a .132 .249 .363 -.013 -.235 -.107 -.058
.160 .132 .680a .145 .087 -.159 .176 -.019 -.174
-.343 .249 .145 .509a .081 -.039 -.345 .095 .063
-.124 .363 .087 .081 .619a -.070 -.030 .113 -.101
-.084 -.013 -.159 -.039 -.070 .612a -.113 -.147 -.112
.204 -.235 .176 -.345 -.030 -.113 .400a .063 -.159
.023 -.107 -.019 .095 .113 -.147 .063 .726a -.193
.171 -.058 -.174 .063 -.101 -.112 -.159 -.193 .625a
.066 .128 .024 .042 -.301 .492 -.087 -.027 -.008
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1.000 .585
1.000 .7421.000 .611
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Total Variance Explained
2.324 23.243 23.243 2.324 23.243 23.243 1.720 17.200 17.20
1.973 19.726 42.969 1.973 19.726 42.969 1.713 17.131 34.331.229 12.286 55.255 1.229 12.286 55.255 1.635 16.353 50.68
1.023 10.230 65.486 1.023 10.230 65.486 1.480 14.801 65.48
.845 8.453 73.939
.698 6.976 80.915
.641 6.415 87.329
.558 5.579 92.908
.369 3.689 96.597
.340 3.403 100.000
)o!#onent1
2
3
4
5
6
7
8
9
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nitia* iena*ues xtraction "u!s o( "uared :oadins Rotation "u!s o( "uared :oadins
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Rotated Component Matrixa
-.674
.831
.471 -.476
-.434 .628
-.699
.847
.861
.438 .489
.764
-.765
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http://en.wikipedia.org/wiki/Product_(business)http://en.wikipedia.org/wiki/Psychologyhttp://en.wikipedia.org/wiki/Sociologyhttp://en.wikipedia.org/wiki/Social_Anthropologyhttp://en.wikipedia.org/wiki/Anthropologyhttp://en.wikipedia.org/wiki/Economicshttp://en.wikipedia.org/wiki/Demographichttp://en.wikipedia.org/wiki/Consumerhttp://en.wikipedia.org/wiki/Relationship_marketinghttp://en.wikipedia.org/wiki/Relationship_marketinghttp://en.wikipedia.org/wiki/Pareto_optimalityhttp://en.wikipedia.org/wiki/Pareto_optimalityhttp://en.wikipedia.org/wiki/Psychologyhttp://en.wikipedia.org/wiki/Sociologyhttp://en.wikipedia.org/wiki/Social_Anthropologyhttp://en.wikipedia.org/wiki/Anthropologyhttp://en.wikipedia.org/wiki/Economicshttp://en.wikipedia.org/wiki/Demographichttp://en.wikipedia.org/wiki/Consumerhttp://en.wikipedia.org/wiki/Relationship_marketinghttp://en.wikipedia.org/wiki/Relationship_marketinghttp://en.wikipedia.org/wiki/Pareto_optimalityhttp://en.wikipedia.org/wiki/Pareto_optimalityhttp://en.wikipedia.org/wiki/Product_(business)
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'& (#'#"i'$. B'" )'"i#"i'$# #$% #ii" "'! %("()i$( (#'#"i'$.
M'"i#"i'$# "'! i$5+%( #)'$4 '"(! "( /(!'$# ((#$5( '& "( )(!!#4(
"'/i5, #55'+$"#ii", #$% # /(!'$! J$((% &' 5'4$i"i'$J "(i i$$#"( %(!i( "'
($6' "i$i$4. Aii" "'! i$5+%( "( ##i#ii" '& 5'4$i"i( (!'+5(! (.4.,
*2
http://en.wikipedia.org/wiki/Need_for_cognitionhttp://en.wikipedia.org/wiki/Need_for_cognition
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"( /(!($5( ' #!($5( '& "i)( /(!!+(! ' %i!"#5"i'$! ' ((#$" $'*(%4(
$((%(% "' 5#(&+ !5+"i$i9( "( #4+)($"!. T( !+6(5"! 4($(# (%+5#"i'$ ((,
#! *( #! "(i (%+5#"i'$ #$% (7/(i($5( *i" "( "'/i5 #" #$% 4(#" #&&(5" "(i
#ii" "' ( /(!+#%(%. U$%( 5'$%i"i'$! '& )'%(#"( (#'#"i'$, # )i7"+( '&
5($"# #$% /(i/(# '+"( /'5(!!(! *i 4+i%( i$&')#"i'$ /'5(!!i$4.
Ti! /#"i5+# )'%( 4i(! # #!i5 i%(# #! "' '* /('/( )# %(('/ #""i"+%(!
"'*#%! i$!+#$5( /'%+5"!. T( 5($"# '+"( *i $'" %i&&( #! "( /'%+5"!
'&&((% i$ "i! i$%+!" #( "#i'(% "' !+i" "( $((%! '& "( 5'$!+)(. T(
/(i/(# 5+(! #( "( )'!" i)/'"#$" #! "( #$% $#)(, #4($"! ("5 /# #$
i)/'"#$" '( i$ #""i"+%( &')#"i'$ &' "( 5'$!+)(.
I" *'+% "+! ( (/&+ "' +$%(!"#$% # "(!( 5+(! i$ '%( "' 5(#"( '#(
#""i"+%( "'*#%! IDBI F(%(# Fi$#$5i# P'%+5"!.
9. Lo!?I"3o(3ee"# Mar1e#$"g S#ra#eg$es
O$( "/( '& L'*-I$'()($" M#("i$4 S"#"(4 i! "' %(!i4$ #%("i!i$4 "'
"i44( !"'$4 ()'"i'$! (#"(% "' /(!'$# #+(! ' (4'-%(&($!(. Ti! 5#$
( '!((% i$ "( i$!+#$5( i$%+!" #! )'!" #%("i!()($"! #( %(!i4$(% i$
'%( "' "i44( &((i$4! '& +$5("#i$" *i5 5#$ ( @+((% /+5#!( '&
#$ i$!+#$5( /'%+5".
. Fa,#or A"a(%s$s:
*)
http://en.wikipedia.org/wiki/Knowledgehttp://en.wikipedia.org/wiki/Logical_argumenthttp://en.wikipedia.org/wiki/Information_processinghttp://en.wikipedia.org/wiki/Knowledgehttp://en.wikipedia.org/wiki/Logical_argumenthttp://en.wikipedia.org/wiki/Information_processing
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Fa,#or a"a(%s$s i! # !"#"i!"i5# )("'% +!(% "' %(!5i( #i#ii" #)'$4 '!((%
#i#(! i$ "()! '& # /'"($"i# '*( $+)( '& +$'!((% #i#(! 5#(%
*a,#ors. I$ '"( *'%!, i" i! /'!!i(, &' (7#)/(, "#" #i#"i'$! i$ "(( ' &'+
'!((% #i#(! )#i$ (&(5" "( #i#"i'$! i$ # !i$4( +$'!((% #i#(, '
i$ # (%+5(% $+)( '& +$'!((% #i#(!. F#5"' #$#!i! !(#5(! &' !+5
6'i$" #i#"i'$! i$ (!/'$!( "' +$'!((% #"($" #i#(!. T( '!((% #i#(!
#( )'%((% #! i$(# 5')i$#"i'$! '& "( /'"($"i# "'!, /+! J(' J "()!. T(
i$&')#"i'$ 4#i$(% #'+" "( i$"(%(/($%($5i(! ("*(($ '!((% #i#(! 5#$ (
+!(% #"( "' (%+5( "( !(" '& #i#(! i$ # %#"#!(". F#5"' #$#!i! 'i4i$#"(% i$
/!5')("i5!, #$% i! +!(% i$ (#i'# !5i($5(!, !'5i# !5i($5(!, )#("i$4,
/'%+5" )#$#4()($", '/(#"i'$! (!(#5, #$% '"( #//i(% !5i($5(! "#" %(# *i"
#4( @+#$"i"i(! '& %#"#.
F#5"' #$#!i! i! (#"(% "' /i$5i/# 5')/'$($" #$#!i! PCA, +" "( "*' #(
$'" i%($"i5#. B(5#+!( PCA /(&')! # #i#$5(-)#7i)i9i$4 '"#"i'$ '& "(
#i#( !/#5(, i" "#(! i$"' #55'+$" # #i#ii" i$ "( #i#(!. I$ 5'$"#!",
"' #$#!i! (!"i)#"(! '* )+5 '& "( #i#ii" i! %+( "' 5'))'$ "'!
J5'))+$#i"J. T( "*' )("'%! (5')( (!!($"i# (@+i#($" i& "( ('
"()! i$ "( "' #$#!i! )'%( "( #i#ii" $'" (7/#i$(% 5'))'$
"'!, !(( ('* 5#$ ( #!!+)(% "' # #( "( !#)( #i#$5(.
. INTERNAL MARKETING
**
http://en.wikipedia.org/wiki/Variable_(mathematics)http://en.wikipedia.org/wiki/Latent_variablehttp://en.wikipedia.org/wiki/Linear_combinationhttp://en.wikipedia.org/wiki/Errors_and_residuals_in_statisticshttp://en.wikipedia.org/wiki/Psychometricshttp://en.wikipedia.org/wiki/Social_scienceshttp://en.wikipedia.org/wiki/Marketinghttp://en.wikipedia.org/wiki/Product_managementhttp://en.wikipedia.org/wiki/Operations_researchhttp://en.wikipedia.org/wiki/Principal_component_analysishttp://en.wikipedia.org/wiki/Variable_(mathematics)http://en.wikipedia.org/wiki/Latent_variablehttp://en.wikipedia.org/wiki/Linear_combinationhttp://en.wikipedia.org/wiki/Errors_and_residuals_in_statisticshttp://en.wikipedia.org/wiki/Psychometricshttp://en.wikipedia.org/wiki/Social_scienceshttp://en.wikipedia.org/wiki/Marketinghttp://en.wikipedia.org/wiki/Product_managementhttp://en.wikipedia.org/wiki/Operations_researchhttp://en.wikipedia.org/wiki/Principal_component_analysis
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H'i!"i5 )#("i$4 &' !(i5(! (@+i(! (7"($#, i$"($#, #$% i$"(#5"i(
)#("i$4.
1. External marketing %(!5i(! "( $')# *' '& /(/#i$4, /i5i$4,
%i!"i+"i$4, #$% /')'"i$4 "( !(i5( "' 5+!"')(!.
2. Internal marketing %(!5i(! "#i$i$4 #$% )'"i#"i$4 ()/'((! "' !((
5+!"')(! *(.
3. Interactive marketing %(!5i(! "( ()/'((! !i! i$ !(i$4 "( 5i($".
I"#er"a( ar1e#$"g IM i! # /'5(!! "#" '55+! *i"i$ # 5')/#$ '
'4#$i9#"i'$ *(( "( &+$5"i'$# /'5(!! a($g"s0 o#$3a#es #$% e6o!ers
()/'((! #" # )#$#4()($" ((! "' %(i( # !#"i!&i$4 5+!"')( (7/(i($5(.
O( (5($" (#! i$"($# )#("i$4 #! i$5(#!i$4 (($ i$"(4#"(% *i"
()/'( #$%i$4, #$% ()/'( #$% )#$#4()($", *i5 !"i(! "' +i%
!"'$4( i$! ("*(($ "( ()/'(( #$% (7/(i($5( #$% 5+!"')( #$%
(7/(i($5(.
*+
http://en.wikipedia.org/wiki/Employer_brandinghttp://en.wikipedia.org/w/index.php?title=Employer_brand_management&action=edit&redlink=1http://en.wikipedia.org/wiki/Employer_brandinghttp://en.wikipedia.org/w/index.php?title=Employer_brand_management&action=edit&redlink=1
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A55'%i$4 "' B+i"" #$% (#(, J"( 5#($4( &' i$"($# )#("i$4 i! $'" '$
"' 4(" "( i4" )(!!#4(! #5'!!, +" "' ()(% "() i$ !+5 # *# "#" "( '"
5#$4( #$% (i$&'5( ()/'(( (#i'+J.
K( 5'$5(/"! '& i$"($# )#("i$4 i$5+%(
• IM &+$5"i'$i$4 #! # 5'$"i$+# i$"($# +/!ii$4 /'5(!!.
• Ai4$)($" '& "( '4#$i9#"i'$! /+/'!( *i" ()/'(( (#i'.
• E)/'((! i$"($#i9i$4 "( 5'( #+(! '& "( '4#$i9#"i'$.
• M'"i#"i'$, (&#)i$4 #$% ()/'*()($" '& ()/'(( #""i"+%(.
• I$!i%(-'+" )#$#4()($" #//'#5.
• R("#i$i$4 # /'!i"i( 5+!"')( (7/(i($5( "'+4'+" "( +!i$(!!
'6(5"i(!
B($(&i"! '& I$"($# M#("i$4
• ($5'+#4(! "( i$"($# )#(" ()/'((! "' /(&') (""(
• ()/'*(! ()/'((! #$% 4i(! "() #55'+$"#ii" #$%
(!/'$!iii"
• 5(#"(! 5'))'$ +$%(!"#$%i$4 '& "( +!i$(!! '4#$i!#"i'$
• ($5'+#4(! ()/'((! "' '&&( !+/( !(i5( "' 5i($"!
#//(5i#"i$4 "(i #+#( 5'$"i+"i'$ "' "( !+55(!! '& "( +!i$(!!
*,
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• (/! $'$-)#("i$4 !"#&& "' (#$ #$% ( #( "' /(&') "(i "#!! i$
# )#("i$4-i( )#$$(
•
i)/'(! 5+!"')(! ("($"i'$ #$% i$%ii%+# ()/'(( %(('/)($"
• i$"(4#"(! +!i$(!! 5+"+(, !"+5"+(, +)#$ (!'+5(! )#$#4()($",
i!i'$ #$% !"#"(4 *i" "( ()/'((! /'&(!!i'$# #$% !'5i# $((%!
• 5(#"(! 4''% 5''%i$#"i'$ #$% 5''/(#"i'$ #)'$4 %(/#")($"! '& "(
+!i$(!!.
T( &''*i$4 #( "( /'()! #&&(5"i$4 (&&(5"i( i)/()($"#"i'$ '& i$"($#
)#("i$4.
1. M#$#4(i# i$5')/("($5( i$ i$"(/(!'$#, "(5$i5# #$% 5'$5(/"+# !i! i!
!')( '& "( !"+)i$4 '5! #4#i$!" !+55(!!&+ i$"($# )#("i$4.
2. P'' +$%(!"#$%i$4 '& i$"($# )#("i$4 5'$5(/".
3. I$%ii%+# 5'$&i5" #$% 5'$&i5" ("*(($ %(/#")($"! )#(! "(
i)/()($"#"i'$ '& i$"($# )#("i$4 %i&&i5+".
=. Ri4i% '4#$i!#"i'$# !"+5"+( 5'+/(% +(#+5#"i5 (#%(!i/ i$%(!
!+55(!! '& i$"($# M#("i$4.
:. I4$'i$4 #$% $'" i!"($i$4 "' !+'%i$#"( !"#&&.
;. T( "($%($5 '& i4$'i$4 ()/'((! i)/'"#$5( #$% "(#"i$4 "() i( #$
'"( "''! '& "( +!i$(!!.
>. U$$(5(!!# /'"(5"i'$ '& i$&')#"i'$ #4#i$!" ()/'((!.
*
http://en.wikipedia.org/wiki/Retentionhttp://en.wikipedia.org/wiki/Human_resourceshttp://en.wikipedia.org/wiki/Retentionhttp://en.wikipedia.org/wiki/Human_resources
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8. R(!i!"#$5( "' 5#$4(.
Ci($"! 6+%4( !(i5( i"!
#. Technical quality.
. Functional quality.
INFERENCE FROM THEORETICAL FRAMEWORK
Ti! /'i$"! "'*#%! "( E#'#"i'$ Li(i''% M'%( *i5 *#! %i!5+!!(% (#i(
*((i$ "( #""i"+%( &')#"i'$ '55+! "'+4 # C($"# R'+"( #! *( #! #
P(i/(# R'+"(.
T( T(5$i5# @+#i" (( (&(! "' "( /'%+5" 5##5"(i!"i5! *i5 5#$ $'" (
(#i %i&&(($"i#"(% '*i$4 "' (4+#"' $')! i$ "( i$%+!".
F+$5"i'$# Q+#i" i! "( *# "( !(i5( i! /(&')(% *i5 i& %'$( *( 5#$
5#+!( # '#( '/i$i'$ *i"i$ "( 5+!"')(.
Ti! F+$5"i'$# Q+#i" *i "#( "( P(i/(# R'+"( #! *(.
T' i$5(#!( "( F+$5"i'$# Q+#i" '& !(i5( i" i! (@+i(% "' ($!+( "#" "(
!(i5( @+#i" i! i4 #$% 5'$!i!"($".
T( !(i5(-@+#i" )'%( i4i4"! "( (@+i()($"! &' %(i(i$4 i4 !(i5(
@+#i".
*8
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GAP 4: N'" $'*i$4 *#" 5+!"')(! (7/(5"
• L#5 '& )#("i$4 (!(#5 'i($"#"i'$
• I$#%(@+#"( +/*#% 5'))+$i5#"i'$
• T'' )#$ ((! '& )#$#4()($"
*.
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GAP 5: T( *'$4 !(i5( @+#i" !"#$%#%!
• I$#%(@+#"( )#$#4()($" 5'))i")($" "' !(i5( @+#i"
• P(5(/"i'$ '& i$&(#!iii"
• I$#%(@+#"( "#! !"#$%#%i9#"i'$
• A!($5( '& 4'# !(""i$4
GAP 7: S(i5( /(&')#$5( 4#/
• E)/'(( '( #)i4+i"
• E)/'(( '( 5'$&i5"
• P'' E)/'(( 6' &i"
• P'' T(5$''4 6' &i"
• I$#//'/i#"( (#+#"i'$ #$% (*#% !!"()!
• L#5 '& ()/'*((% !(i5( ()/'((!
• L#5 '& "(#)*'
GAP 8: ($ /')i!(! %' $'" )#"5 %(i(
• I$#%(@+#"( 'i9'$"# 5'))+$i5#"i'$
• T($%($5 "' '(/')i!(
+0
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GAP 9: 5+!"')( !#"i!"i'$
• %(/($%! '$ 4#/ 1-:
• T( 4(#"( "( 4#/ "( '*( "( 5+!"')( !#"i!"i'$, (5#+!( (7/(5"#"i'$
#$% /(5(/"i'$ %' $'" )#"5.
B#!(% '$ "i! !(i5(-@+#i" )'%(, (!(#5(! i%($"i&i(% &''*i$4 &i(
%("()i$#$"! '& !(i5( @+#i"
#. R(i#ii" - T( #ii" "' /(&') "( /')i!(% !(i5( %(/($%#
#$% #55+#"( 5'$!i!"($5 '& /(&')#$5( #$% %(/($%#ii", !(i5(
i! /(&')(% i4" #" "( &i!" "i)(, "( 5')/#$ ((/! i"! /')i!(! i$
#55+#5 i$ ii$4 #$% ((/i$4 (5'%! 5'(5", /(&')i$4 "(
!(i5(! #" "( %(!i4$#"(% "i)(.
. R(!/'$!i($(!! - T( *ii$4$(!! #$% ' (#%i$(!! '& ()/'((! "'
(/ 5+!"')(! #$% "' /'i%( /')/" !(i5(, "i)(i$(!! '& !(i5(
)#ii$4 # "#$!#5"i'$ !i/ i))(%i#"(, !(""i$4 +/ #//'i$")($"!
@+i5.
5. A!!+#$5( - T( $'*(%4( #$% 5'+"(! '& ()/'((! #$% "(i
#ii" "' 5'$( "+!" #$% 5'$&i%($5(.
%. E)/#" - T( /'i!i'$ '& 5#i$4, i$%ii%+#i9(% #""($"i'$ "'
5+!"')(! i$&')i$4 "( 5+!"')(! i$ # #$4+#4( "( 5#$
+$%(!"#$%, U$%(!"#$%i$4 5+!"')(! !/(5i&i5 $((%!, P'i%i$4
i$%ii%+#i9(% #""($"i'$
+1
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(. T#$4i(! - P!i5# (i%($5( '& "( !(i5( #//(##$5( '& /!i5#
ii"i(!, "''! #$% (@+i/)($"! +!(% "' /'i%( "( !(i5(
*. L$$#a#$o"s:
1. S(5'$%# %#"# ##i#( i! $'" !/(5i&i5 "' i$!+#$5( i$%+!".
2. Fi(% *' i)i"(% "' B#$4#'( 5i" "+! (!+"! 5#$ $'" ( #//i(% "'
($"i( '4#$i9#"i'$.3. T( !+( (!+"! )# 4(" #&&(5"(% %+( "' /(!($5( '& 5("#i$ i#!(!
i( #5@+i(!5($5( i#!, (7"()i" i#! #$% #+!/i5(! i#!.
=. R#$%') S#)/i$4 (' 5#$ ( /(!($" (#%i$4 "' #i#"i'$! i$ (!+"!.
+2
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g. FINDINGS:
R(!+"! &') F#5"' #$#!i! '$ "( %#"# 5'(5"(% %(/i5"(% = %i!"i$5"
"'! #&&(5"i$4 +i$4 (#i' '& IDBI-F(%(# Li&( I$!+#$5( C'
L"% /'%+5"!.
($ *( !5+"i$i9( (#5 '& "(!( "'!
1. P'%+5" C##5"(i!"i5! Ti! /#"i5+# 5')/'$($" /#! #
i"# /#" i$ +i$4 (#i' +" #! "(( #( # '" '& $')! #$%(4+#"i'$! i$ "( i$!+#$5( i$%+!", /'%+5" %i&&(($"i#"i'$ '$
"( #!i! '& /'%+5" 5##5"(i!"i5! i! $'" i#(.
2. E7"($# M#("i$4 Ti! 5')/'$($" *i5 %(#! *i" "(
(7"($# )#("i$4 (&&'"! i$'(! 5((i" ($%'!()($"! #!
*( #! T A%("i!()($"!. Di&&(($"i#"i$4 /'%+5"! #!(% '$
"i! "' i! $'" #%i!#( #! i$!+#$5( /'%+5"! #( 4($(# /(5(i(% "'+4 /(i/(# 5+(!, #! %i!5+!!(% i$ E#'#"i'$
Li(i''% M'%(, "+! (7"($# )#("i$4 *i $'" ($!+( #
''!" i$ !#(!.
A!' %+i$4 "( (!(#5 /'5(!! "( (!/'$%($"! *' "'' /#" i$ "(
!+( 5'))($"(% "#" T A%! #$% C((i" E$%'!()($" %' $'"
4i( ($'+4 (#!'$ "' i$(!" i$ i$!+#$5( /'%+5"!.
3. E7"i$!i5 F#5"'! Ti! 5')/'$($" '& +i$4 (#i' i! (
i)/'"#$" #! !/'+!# i$&+($5( #! *( #! "( +%($ '&
/#($"i$4 #( )#6' %i(! &' i$(!"i$4 i$ i$!+#$5( /'%+5"!.
+)
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I" 5#$ ( $'"i5(% "#" )#$ i$!+#$5( 5')/#$i(! +!(
A%("i!()($"! i$ '%( "' i$4 '+" "(!( (7"i$!i5 "'! i$
"( )#(".
H'*(( "(( i! $' 5(# 5+" '+"( "' i$&+($5( "(!( "'! i$
# /(!'$ #$% ($5( $'"i$4 &+"( 5#$ ( %'$(.
=. I$"($# M#("i$4 Ti! /#"i5+# "' i! &'+$% "' ( "(
)'!" i)/'"#$" '$( *i5 #&&(5"! +i$4 (#i' '& i$!+#$5(
/'%+5"!.
I$"($# )#("i$4 %(#i$4 *i" "( ()/'((! '& # 5')/#$ i!
# ( +$i@+( *# '& %(('/i$4 &+$5"i'$# @+#i" "#" *i
%i&&(($"i#"( IDBI-F(%(# Li&( I$!+#$5( C' L"% &') i"!
5')/("i"'!.
. CONCLUSION
+*
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IDBI-F(%(# Li&( I$!+#$5( C' L"% )+!" &'5+! '$ i"! I$"($#
M#("i$4 (&&'"! i$4i$4 # i"! ()/'((! *' &') "(
!#(! &'5( i$ 5'$6+$5"i'$ *i" "( )i!!i'$ #$% i!i'$ '& "(
5')/#$.Ti! 5#$ ( %'$( #%'/"i$4 !(i5( @+#i" #""i+"(! #$%
(%+5#"i$4 # i"! ()/'((! #'+" i".
i. RECOMMENDATION
A! "( !(i5( @+#i" #""i+"(! *i5 #&&(5" 5+!"')( /(5(/"i'$
#( (($ %i!5+!!(% (#i(, "( RATER )'%(, )+!" ( #%'/"(%
IDBI-F(%(# Li&( I$!+#$5( C' L"% #$% (#5 #$% (( ()/'((
*' i$"(#5"! *i" i"! 5i($"! )+!" ( (%+5#"(% #'+" i".
A 5'$5i!( RATER )'%( !/(5i&i5 &' IDBI-F(%(# Li&( I$!+#$5( C' L"% *i5
5#$ ( +!(% #! "' (%+5#"( "( ()/'((! i! !'*$ ('*
E( IDBI-F(%(# Li&( I$!+#$5( C' L"% ()/'(( *'
5')(! i$ 5'$"#5" *i" '+ 5i($"! 5#$4(! "(i /(5(/"i'$
#'+" '+ 5')/#$.
L("! ($!+( # /'!i"i( 5#$4(, A*#!
++
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Ree'er RATER
1. R (i#ii" M#( !+( '+ #( "( $'*(%4( "'
#$!*( # 5+!"')( @+(!"i'$!.
2. A!!+#$5( A*#! ( 5'+"('+! i$!"i 5'$&i%($5( i$
'+ 5+!"')(.
3. T#$4iii" H#( # $(#" /'&(!!i'$# #//(##$5(,
()()( '+ (/(!($" IDBI-F(%(# Li&( I$!+#$5(
C' L"% "' "( 5i($"!.
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