Birla Sun Life Report

UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
L|fe Insurance
Auto InsuranceŦ
Þroperty Insurance
nea|th Insurance
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
,u|t|nat|ona| corporat|on w|th |n 2S ,u|t|nat|ona| corporat|on w|th |n 2S
countr|es countr|es
kevenues of ksŦ 1ţS0ţ000 Crore* kevenues of ksŦ 1ţS0ţ000 Crore*
1op 8rands ( 1op 8rands (U|tratech U|tratech Cement ţ Ideaţ Cement ţ Ideaţ
1ţ30ţ000 Lmp|oyee 1ţ30ţ000 Lmp|oyee
1ota| Asset under ,anagement |n excess of 1ota| Asset under ,anagement |n excess of
5404Ŧ7 8||||on 5404Ŧ7 8||||on
600 8ranches of 8|r|a 600 8ranches of 8|r|a Sun||fe Sun||fe Insurance Insurance
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
ÞkC1LC1ICN
GkCW1n
kISk
SAVING
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
11/3/2011 9
understand|ng customer needs
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
11/3/2011 10
Some reasons why peop|e |nvest
Larn more money
1owards a speclflc flnanclal goal
Money for emergencles ln llfe
8eaL lnflaLlon
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
11/3/2011 11
Understand|ng Customers Needs
L|fe Stage 1yp|ca| Needs 1aken care
of by
Investment
Cpportun|ty]prof||e
Investment
hor|zon
Ch||d Ƽ 18 year LducaLlonţ choollng ÞarenLs Þţ LducaLlonal Þlanţ Marrlage
ţClfLs recelved
Long Lerm
¥oung
Unmarr|ed
18Ŵ24 year
eŦgŦ Lwo wheeler ţ
lnvesLmenLs
elf lf employed
or parenLs
LlmlLed horL Lerm
¥oung ,arr|ed
2SŴ3S year
eŦgŦ Pouslngţ Car elf LlmlLed due Lo hlgher
spendlngţ Plgh lsk
Medlum Lo long
Lerm
,arr|ed
36Ŵ4S year
eŦgŦ Chlldrenƌs
educaLlonţ Polldays ţ
eLlremenLţ PealLh
elf ulsclpllned approach of regular
savlngţ bonus eLc also provlde
opporLunlLlesţ PlghŴMedlum
lsk
Medlum Lo long
Lerm
46Ŵ60 years eŦgŦ Chlldrenƌs
educaLlonţ marrlage ţ
plannlng for
reLlremenLţ PealLhţ Þay
off loans
elf Plgher savlngs ţ medlum Lo low
rlsk
Medlum Lo long
Lerm
60 + eLlremenLţ PealLh elf Maklng mosL of Lhe
lnvesLmenLs ţ low rlsk
horL Lerm
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
11/3/2011 12
Iactors affect|ng Investment dec|s|ons
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
11/3/2011 13
1Ŧk|sk Appet|te

e
L
u
r
n
8anks /
ÞosL offlce
CovL bonds
Company
bonds
hares
nsurance/
MuLual funds
CommodlLles
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
11/3/2011 14
n|gh returns
Low reLurns
8as|c Þr|nc|p|e
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
11/3/2011 13
W nflaLlon ls Lhe raLe aL whlch Lhe dally cosL
of llvlng lncreases
W nflaLlon eaLs lnLo Lhe purchaslng power
of money
AL 6Ʒ lnflaLlonţ sŦ 1000/Ŵ wlll be only worLh
sŦ 417/Ŵ ln 13 years from now
2 ŶInf|at|on
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
11/3/2011 16
3 Ŷ1|me
W Longer Lhe lnvesLmenL horlzonţ greaLer
Lhe reLurns 1hls happens owlng Lo Lhe
maglc of power of compoundlng
Compoundlng refers Lo Lhe reŴlnvesLmenL
of lncome aL Lhe same raLe of reLurn Lo
consLanLly grow Lhe prlnclpal amounLţ
year afLer year
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
11/3/2011 17
kLSLAkCn ANAL¥SIS(CnANDIGAkn )
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
11/3/2011 18
W +ni.n ¡ìvn nv.c ,ov ìv[cn.
No of PeopIes Have BSLI PIan
Health,
10%
Retierment
, 22%
Life, 68%
Health
Retierment
Life
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
11/3/2011 19
W "vc.ìion. /·c ,ov .vìi.{icv .iìn
ìnc 1n.v·vn.c ¡ìvn ,ov nv.c.
No. of peopIe satisfied with the pIan
2%
28%
Yes
No
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
11/3/2011 20
W "vc.. /·c ,ov .vìi.{icv .iìn ìnc .c·.i.c.
¡·o.ivcv ì, ìnc .on¡vn, ·c¡v·vin¡ nc.
¡ìvn. vnv ..ncnc..
No. of peopIe satisfied with the
services provided by the company
82%
18%
Yes
No
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
11/3/2011 21
W "vc.. /·c ,ov inìc·c.ìcv ìo nv[c
no·c in.c.ìncnì. in ±¸£1 .
No. of PeopIes want to more
investment in BSLI
6%
33%
Yes
No
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
11/3/2011 22
W "vc.. 1v.c ,ov vn, oìnc· 1n.v·vn.c
Tìvn v¡v·ì {·on ±¸£1.
No. of PeopIes have other Insurance
PIan apart from BSLI?
8%
22%
Yes
No
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
11/3/2011 23
60%
9%
11%
8%
12%
LÌC
BSLÌ
BAJAJ ALÌYANZ
ÌCÌCÌ
Others
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C
11/3/2011 24
Thank you for your time....
UNIVLkSI1¥ SCnCCL CI 8USINLSS S1UDILS ţ1ALWANDI SA8C