A Comparative Study of Different ULIP Plans in HDFC

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A PROJECT ON

³A Comparative study of Different ULIP Plans in
HDFC´

Supervisor
NAME: MS. Ruchi Bhatia Designation: Sr. Lecturer

Submitted by
Name: Guruprasad Swain Enrolment No:-08061148755 Specialization: Finance

Session 2008-2010 Directorate of Distance Education GJUS & T, Hisar

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CERTIFICATE
This is to certify that Mr. Guruprasad Swain, Enrolment No. 08061148755 have proceeded under by supervision his/her Research Project Report on ³A COMPARATIVE STUDY OF DIFFERENT ULIP PLANS OF HDFC´ in the specialization area Finance.

The work embodied in this report is original and is of the standard expected of an MBA student and has not been submitted in part or full to this or any other university for the award of any degree or diploma. He/she has completed all requirements of guidelines for Research Project Report and the work is fit for evaluation.

Signature of Supervisor/Guide (with SEAL) NAME DESIGNATION : Ms. Ruchi Bhatia : Sc. Lecturer

ORGANISATION: NSB School of Business Centre

Forwarded by Head/Director of Study (With signature, Name & SEAL)

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DECLARATION
This is to certify that the project Report entitled ³A COMPARATIVE STUDY OF DIFFERENT ULIP PLANS OF HDFC´ is an original work and has not been submitted is part or full to this or any other university/institution the award of any degree or diploma.

Signature of candidate NAME: GURUPRASAD SWAIN ENROLMENT NO.: SPECILIZATION: SESSION: 2008-2010 08061148755 FINANCE

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TABLE OF CONTENTS

INTRODUCTION................................................................................................................. ....5 INSURANCE SECTOR REFORMS........................................................................................10 HDFC STANDARD LIFE INSURANCE...............................................................................14 OBJECTIVE OF THE STUDY...............................................................................................17 RESEARCH METHODOLOGY.............................................................................................18 BASIC CONCEPT...................................................................................................................19 POINTS OF PARITY..............................................................................................................34 HDFC SLIC PRODUCT..........................................................................................................37 ANALYSIS & INTERPRETATION.......................................................................................69 FUTURE LINE OF RESEARCH............................................................................................84 CONCLUSION........................................................................................................................85 RECOMMENDATIONS.........................................................................................................95 CHALLANGES & REFERENCES.........................................................................................96 BIBLIOGRAPHY & REFERENCES......................................................................................97 QUESTIONNARIES...............................................................................................................99

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INTRODUCTION
INSURANCE IN INDIA
In 2003, the Indian insurance market ranked 19th globally and was the fifth largest in Asia. Although it accounts for only 2.5% of premiums in Asia, it has the potential to become one of the biggest insurance markets in the region. A combination of factors underpins further strong growth in the market, including sound economic fundamentals, rising household wealth and a further improvement in the regulatory framework. The insurance industry in India has come a long way since the time when businesses were tightly regulated and concentrated in the hands of a few public sector insurers. Following the passage of the...
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