ICICI Bank was originally promoted in 1994 by ICICI
Limited, an Indian financial institution, and was its
wholly-owned subsidiary. ICICI’s shareholding in
ICICI Bank was reduced to 46% through a public
offering of shares in India in fiscal 1998, an equity
offering in the form of ADRs listed on the NYSE in
fiscal 2000, ICICI Bank’s acquisition of Bank of
Madura Limited in an all-stock amalgamation in
fiscal 2001, and secondary market sales by ICICI to
institutional investors in fiscal 2001 and fiscal 2002.
ICICI was formed in 1955 at the initiative of the
World Bank, the Government of India and
representatives of Indian industry.
In October 2001, the Boards of Directors of ICICI
and ICICI Bank approved the merger of ICICI and
two of its wholly-owned retail finance
subsidiaries, ICICI Personal Financial Services
Limited and ICICI Capital services Limited, with
ICICI Bank. ICICI Bank has formulated a Code of
Business Conduct and Ethics for its directors and
The merger would enhance value for ICICI
shareholders through the merged entity’s access
to low-cost deposits, greater opportunities for
earning fee-based income and the ability to
participate in the payments system and provide
We will promote inclusive growth
in India through focused
initiatives in the identified areas
including primary healthcare,
elementary education, skill
development & sustainable
livelihood, financial inclusion and
To be a leading institution
for the promotion of
inclusive growth in India
by contributing to the key
enablers required for
in economic opportunities
in the country.
The CSR Committee of the Bank would
consider and approve the projects or
programmes that the Bank should undertake
as CSR in India.
2) Health care
3) Skill development
4) Support employee engagement in CSR
5) Capacity building for corporate social
ICICI Bank will continue to work with institutes of higher
educationfor focused capacity-building in specified disciplines,
particularly finance & management.
promoting education, including special education and employment
enhancing vocation skills especially among children, women, elderly
and the differently abled and livelihood enhancement projects
Education represents a critical area of action to realise India’s
growth potential as also make it inclusive, by enabling children from
all sections of society to have access to quality basic education that
equips them for taking up higher education or job-oriented skill
(I) Eradicating hunger, poverty and malnutrition, promoting preventive
health care and sanitation and making available safe drinking water;
(ii) Promoting gender equality,
empowering women, setting up homes and hostels for women and
orphans, setting up old age
homes, day care centres and such other facilities for senior citizens and
measures for reducing
inequalities faced by socially and economically backward groups;
(x) Rural development projects)
promoting education, including special education and employment
enhancing vocation skills especially among children, women, elderly
and the differently able and livelihood enhancement projects; (iii)
Promoting gender equality, empowering women, setting up homes
Enabling India’s youth to gain skills that can provide employment is
key to realising the potential of India’s demographic dividend and
driving inclusive growth. Improving employability of the youth from
lower-income sections of society is hence an important focus area.
The ICICI Academy for Skills has been set up across the country to
provide job-oriented skill training to youth. Several centres have
been set up across the country. In this initiative, ICICI Foundation is
also leveraging the skills and training capabilities of large corporate
in developing training modules in their respective domains. ICICI
Foundation is also liaising with corporate and businesses to get the
trained youth employed, through a job portal.
ICICI Bank will continue to develop the ICICI Rural Self Employment
5. Support employee engagement in CSR activities
The Bank supports the involvement of its employees in CSR
activities. The Bank will encourage
employees to participate in CSR activities of the Bank and ICICI
6. Capacity building for corporate social responsibility
ICICI Foundation will continue to promote incubation of expertise
for implementing corporate
social responsibility initiatives. It will also work towards
providing a platform for organisations
engaged in social initiatives, and discussion & thought
leadership on critical challenges to
inclusive growth. The Bank and ICICI Foundation will continue to
support initiatives that promote individual and corporate
There are many different definitions of what
‘Investment’ and ‘investment’ actually means. One of
the simplest ways of describing it is using your money
to try and make more money. This can happen in many
All investors are different. The common factor is that
you would like to invest money to aim to make it grow
or to receive a regular income from it. We would like to
show you that choosing the most suitable investment
for you does not need to be difficult. All you need is the
right help along the way.
The act committing money or capital to an endeavor
with the expectation of obtaining an additional income
or profit is known as investment. Investing means
putting your money to work for you.
1) Equities: investment in shares of companies is
investing in equities.
Stocks can be brought/sold from the exchange (secondary market) or
via IPO’s-Initial public offering (primary market). Stocks are the best
long-term investment options wherein the market volatility and the
resultant risk of losses, if given enough time, are mitigated by the
general upward momentum of the economy. There are two streams of
revenue generation from this from of investment.
Dividend: periodic payments made out of the company’s profits are
termed as dividends.
Growth: the price of the stock appreciates commensurate to the
growth posted by the company resulting in capital appreciation.
On an average an investment in equities in India has a return of 25%
good portfolio management, precise timing may ensure a return of
40% or more. Picking the right stock at the right time would guarantee
that your capital gains i.e. growth in market value of stock
possessions, will rise.
Bonds: it is a fixed income (debt) instrument issued for a period of more than
one year with the purpose of raising capital. The central or state government,
corporations and similar institutions sell bonds. A bond is generally a
promise to repay the principal along with fixed rate to interest on a specified
date, called as the maturity date. Other fixed income instruments include
bank deposits, debentures, preference shares etc.
The average rate of return on bond and securities in India has been around
Mutual Fund: These are open and close-ended funds operated by an
investment company, which raises money from the public and invests in a
group of assets, in accordance with a stated set of objectives. It is a
substitute for those who are unable to invest directly in equities or debt
because of resource, time or knowledge constraints. Benefits include
diversification and professional money management. Shares are issued and
redeemed on demand, based on the fund net asset value, which is
determined at the end of each trading session. The average rate of return as
a combination of all mutual funds put together is not fixed but is generally
more than what earn is fixed deposits. However, each mutual fund will have
its own average rate of return based on several that they have floated. In the
recent past, Mutual Funds have given a return of 18-35%.
Real Estate: For the bulk of investors the most important in their
portfolio is a residential house. In addition to a residential house,
the more affluent investors are likely to be interested in either
agricultural land or may be in semi-urban land the commercial
Precious projects: precious objects are items that are generally small
in size but highly valuable in monetary terms. Some important
precious objects are like the gold, silver, precious stones and also
the unique art objects.
Life insurance: in broad sense, life insurance may be reviewed as an
investment. Insurance premiums represent the sacrifice and the
assured the sum the benefits. The important types of insurance
policies in India are:
Endowment assurance policy.
Money back policy.
Whole life policy.
Term assurance policy.
Unit-linked insurance plan.
This project is never completed by the help for the two factors.
(1) Primary Data (2) Secondary Data
(1) Primary data: -
Primary data as collected during our internship at ICICI Bank.
Primary data was collected through questionnaire; refer to the
appendix for the data.
(2) Secondary data: -
Secondary data sources are:
Type of research: Descriptive
Sample size: 20
Source of data collection: Customers of ICICI bank MUNDRA.
To improve the practical and theoretical
To understand basics of investment and
various alternatives that is available with the
The purpose of this project is to analyse that
how investors take their investment decisions
and how they deal with risk.
Also to understand the customers’ physiology
of investment and what are the various
objectives behind the investment.
Our internship is very perfectly completed but we are
facing the difficulties for the clearly understanding the
The sample size for data collection is limited, as the sample size of
investors taken from ICICI Bank MUNDRA only.
Time duration for data collection was limited, so not able to collect
the data from large sample size.
Generally people don’t have time to give respond to our questions
and they usually ignore to answer such questions
It may happen that sometimes respondents don’t give the real
information and their point of views.
All investors have differing attitudes towards risk. When it
investing, it is important to consider your risk profile or
tolerance carefully, including how comfortable you are with
the possibility of losing money, or that returns on your
investments could vary widely from year to year.
Understanding your personal risk tolerance will help you
choose an appropriate asset allocation – the following points
can help you to determine an investment mix that’s
appropriate for your needs.
How would you describe your investment experience and
understanding of financial markets?
Just started investing in the year You understand the basics of
You have been investing on your own for several years and
are reasonably confident of your knowledge of financial
Your knowledge of financial market is well above average and
you make investment decisions confidently
About the “Investment perspective at customer towards
the ICICI Bank”
What is your age?
According to the survey, maximum
number of respondents are belong to the age group of
18-25 and 25-35 years, so we can say that most of the
respondents will be willing to take risk, and make
investment in the instruments with moderate to high risk.
80% respondents are salaried
persons, 10% people doing business and 10%
people are self employed. Generally salaried
persons will like to invest in instruments which
have low to moderate risk.
The above chart depicts that income
range of the maximum respondents are lie between
2-10 lakhs which is fall under middle class category.
25% of the total respondents fall under income slab
of 0-2 lakh, which means that generally they are least
interested in investment.
10 lacks above
100% of the respondents do
investment in instruments available in
market, it means that people are having
awareness about investment.
According to the survey 35% of the respondents have
invested in gold followed by insurance, land and fixed
deposits. These instruments are those which involve low
risk. People are not willing to take high risk so they do
not like to invest in instruments like stocks and mutual
From the above results, we can say that respondents
believe in secured log-term investment options.
response mutual fund
According to chart 50% of the respondents do investment to secure
their future, it means they invest for long term.
30% of the respondents’ motive behind investment is safety and
security, which means they invest to meet unforeseen accidental
expenses, this kind of investors like to invest in instruments which
can be liquidated easily.
The respondents who are in the second and third slab of the income
also do investment for the purpose of tax benefit.
Only 20% of the total respondents does investment for wealth
safety & security
55% respondents want to hold their money in investment for
2-5 years’ duration that is moderate. 35% of respondents
said that they want to invest for longer time duration i.e. 5-
Out of total respondents 95% are willing to invest in stocks
and remaining 5% are not willing to invest in stocks.
As stock market gives attractive returns, so larger amounts of
investors want to invest in stock market.
35% of respondents don’t want to invest in stocks because of
high risk and uncertainty.
Other 35% of total respondents don’t have proper knowledge
about stock market so they are not willing to invest in it.
LACK OF KNOWLEDGE
None of the respondents wants to take high risk. 50% of the
respondents are risk averse so they make investment in those
securities which have less risk involved. Remaining 50%
respondents want to take moderate risk while taking
Half of the respondents take their financial decision by taking
help of their well wishers i.e. friends and relatives.
30% of the total respondents like to take financial decisions
by taking advice from ICICI bank; it means that people find
ICICI a trustworthy advisor.
20% of the total respondents take their financial decisions
independently, they take this decisions based on their own
interpretations and calculations.
ADVICE FROM ICICI
70% of respondents’ are satisfied with ICICI bank. As these
respondents are doing investment through ICICI bank.
ICICIA Bank is one of the leading private bank which provides all the
banking products & investment solutions to their customer they have
differentiated themselves in very distinct way by providing the best of
From the later we calculated we can say that respondents believe in
secured long term to medium term investment options i.e. gold, FD, land,
Majority of investor’s motive behind investment use to secure future
followed by wealth creation and fix savings.
Majority of investments are not willing to invest in stock reason behind
this lack of to prepare knowledge, risk & uncertainty.
Investors would like to take law to moderate risk & so that bank also
prepares portfolio plans accordingly.
Most of the investors take their financial decisions with the help of
friends and relatives’ bank can be their friend by giving worthy advice
and maintaining good relations with their customers.
Majority of the investors are satisfied with ICICI Banks service and its
ICICI Bank is providing best services and best
policies, but some other we suggested to important
We suggest to ICICI bank improving best investment
They should not totally on market price because there
can be chance at market fluctuation.
In customer point of view ICICI Bank need the best
advertisement plans according to Investment
We suggested to ICICI Bank focus on the low risk
We suggests to the ICICI Bank prepare more portfolio
which is following low and moderate risk.
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