Summer Project Report

Topics: Investment, Mutual fund, Hedge fund Pages: 60 (16263 words) Published: October 6, 2010
CHOLAMANDALAM DISTRIBUTION SERVICES LTD. (CDSL) is an independent Financial Advisory and Investment company and is one of the few to have been registered with Association of Mutual Fund in India (AMFI) for having undertaken to adhere to AMFI Guidelines and Norms for Intermediaries. CDS is a fully owned subsidiary of Cholamandalam Financial Services Group, a part of Rs. 4200 Crore Murugappa Group – one of the most trusted business houses in India.

Cholamandalam, incorporated in 1978 as the financial services are of Rs. 4200 Crore Murugappa Group, is one of the leading Financial Services Groups (FSG) in India.

All its investment counselors across the country are compulsorily required to get individual certification from AMFI and IRDA and are supported by a highly qualified research team, fully equipped with resources to ensure that customers get access to the best quality timely advice. Moreover, insights into the investment environment are also achieved through constant interaction between the CDS Research team and fund managers, bankers, treasury managers and other key players in the industry to make sure investments performance to their best.

Cholamandalam FSG offers a wide range of financial products and services like, Mutual Funds, Fixed Deposits, Stock Broking & Depository Services, Finance Against Shares, Vehicle Loans, General Insurance and Investment Advisory Services.


1. Mutual Funds
Equity, Income, Balanced, Money Market, Child Care Plans, Pension Plans, Equity Linked Saving Services (ELSS).

2. Company Deposits
Cumulative and Fixed Deposits from rated NBFCs and manufacturing companies.

3. Bonds
Capital Gains, Tax Saving, State Government and PSU.

4. Life Insurance
Endowment, Money-back, Annuity Term, Retirement and Unit Linked Plans.

5. Non Life Insurance (Personal Lines)
Personal Accident, Health, Travel, Householders, Shopkeepers and Motor Insurance, Small Business.

6. Direct Equity
IPOs, Stock Broking and Depository Services (through Cholamandalam Securities Ltd.)


Tax Planning

Reducing tax outflows and filing tax documents, Answers to tax queries.

Retirement Planning

Saving enough using insurance and mutual funds to create a buffer on retirement.

Portfolio Advice

Asset Allocation and Security Selection.

Portfolio Review and Rebalancing

Advising regularly on actual risk level versus ideal risk levels and the need to change portfolio.

Regular News

Updates through email and newsletters.



All product tie-ups, selection and recommendations are screened by a centralized Research wing and communicated regularly through presentations (group and one-on-one), house visits, newsletters and research publications.

1. Customized Solution
Each individual has unique financial planning requirements that vary across his lifecycle. Backed by extensive research, CDS packages and financial products to suit the needs of each individual depending on specific investment objectives, tax liabilities, age profile, family circumstances and their risk appetite. Based on these it provides customized solution to each of its clients as per their needs and requirements.

2. Convenience
Provides all these products and services at clients’ doorstep – free of cost.


The Indian Financial System comprises a variety of intermediaries, markets, and instruments that are related in the manner shown below, it provides the principal means by which savings are transformed into investments.

A financial market is a market for creation and exchange of financial assets. If we buy or sell financial assets,...
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