Mahindra & Mahindra Limited (M&M) is an Indian multinational automobile manufacturing corporation headquartered in Mumbai, Maharashtra India.

It is one of the largest vehicle manufacturers by production in the Republic of India. It is a part of Mahindra Group, an Indian conglomerate. The company was founded in 1945 in Ludhiana as Mahindra & Mohammed by brothers K.C. Mahindra and J.C. Mahindra and Malik Ghulam Mohammed. After India gained independence and Pakistan was formed, Mohammed emigrated to Pakistan. The company changed its name to Mahindra & Mahindra in 1948. It is ranked #21 in the list of top companies of India in Fortune India 500 in 2011. Major competitors in the Indian market include Maruti Motors (a 60% owned subsidiary of Suzuki Motors from Japan), Tata Motors (fully owned by Tata Sons; Owner of British Jaguar Land Rover), Toyota, Mercedes-Benz (Merc) (Based in Poona, Maharastra in India; A subsidiary of Daimler AG from Germany) and others Mahindra & Mahindra Ltd. is one of the major automotive company of India. They initially had collaboration with Willys Overland Corporation to import and assemble jeeps in India. They are the market leaders in the utility vehicles segment. They are also a major player in the tractor manufacturing segment as well. They are the only sole Indian company to be a part of the top five tractor manufacturing companies in the world.Mahindra & Mahindra's automobile chapter dates back to 1947. Then it was only restricted to the assembling and importing of Willys Jeeps. However, shortly after that they started manufacturing their own light commercial vehicles. They were always very keen on working out their own indigenous technology. Their USP is their capability to manufacture vehicles with having very little technological help from foreign sources. They are very indigenous regarding this particular aspect. Their first indigenously developed sports utility vehicle was the "Scorpio".

However, it was only in 1994, that a specialized automotive division was created. This was done along with the organizational restructuring. Mahindra & Mahindra has four manufacturing plants. Out of them three are located in Maharastra and one in Andhra Pradesh. The three manufacturing units in Maharastra are in Mumbai, Nasik and Igatpuri. The first two deal with multi-utility vehicles and the third one deal with engines. The fourth plant is located in Zaheerabad in Andhra Pradesh. This one deals with the manufacture of light commercial vehicles and three wheelers. They also have a very strong network of dealers, sales offices, service stations etc. Even their R&D division is equally strong. Mahindra & Mahindra has established a very strong market base in the urban and semi-urban areas. Their multi-utility vehicles are very popular among people there. They also export their products to other countries as well.

Mahindra & Mahindra has recently entered into a joint venture with Renault, an auto manufacturing company from France. It would be called Mahindra Logan, they would be manufacturing Logan's in India. However, the cars will only be available from mid 2007. They are planning to sell somewhere around 50,000 cars in a year. Although, they haven't yet come out with a price structure for the

vehicle. They would be competing with Honda, Fiat, Hyundai and Ford in the C-segment of the Indian automobiles market.

Type

Private Conglomerate Industry 1945 Founded Jagdish Chandra Mahindra Founder(s) Kailash Chandra Mahindra Ghulam Mohammed Headquarters Mumbai, Maharastra, India Area served Worldwide Anand Mahindra (Chairman & Managing Director) Key people Keshub Mahindra (Chairman Emeritus) Aerospace, aftermarket, agribusiness, automotive, components, construction equipment, consulting services, defence, energy, farm Products equipment, financial services, industrial equipment, information technology, hospitality, logistics, retail, real estate US$ 15.9 billion (2011) Revenue US$ 373 million (2009) Profit 155,000 (2012) Employees Mahindra & Mahindra, SsangYong Motors, Mahindra Aerospace, Mahindra Engineering Services, Mahindra & Mahindra Financial Subsidiaries Services Limited, Mahindra Systech, Tech Mahindra, Mahindra Satyam, Mahindra Lifespace Developers, Mahindra Ugine Steel Company,

Website

www.mahindra.com

History:Mahindra & Mohammed was originally incorporated in 1945 by the brothers J.C. Mahindra and K.C. Mahindra and Malik Ghulam Muhammad in Ludhiana, Punjab to trade steel. Following the Partition of India in 1947, Malik Ghulam Muhammad left the company and emigrated to Pakistan where he became the first finance minister of the new state (and later the third Governor General in 1951). In 1948, K.C. Mahindra changed the company's name to Mahindra & Mahindra. Building on their expertise in the steel industry, the Mahindra brothers began trading steel with UK suppliers. They also won a contract to manufacture Willys Jeeps in India and began producing them in 1947. By 1956, the company was listed on the Bombay Stock Exchange, and by 1969 the company had entered the world market as an exporter of utility vehicles and spare parts. Like many Indian companies, Mahindra responded to the restrictions of the Licence Raj by expanding into other industries. Mahindra & Mahindra created a tractor division in 1982 and a tech division (now Tech Mahindra) in 1986. It has continued to diversify its operations ever since through both joint ventures and greenfield investments By 1994, the Group had become so diverse that it undertook a fundamental reorganization, dividing into six Strategic Business Units: Automotive; Farm Equipment; Infrastructure; Trade and Financial Services; Information Technology; and Automotive Components (known internally as Systech)The new Managing Director, Anand Mahindra, followed this reorganization with a new logo in 2000 and the successful launch of the Mahindra Scorpio (a wholly indigenously designed vehicle) in 2002. Together with an overhaul in production and

manufacturing methods, these changes helped make the company more competitive, and since then the Group's reputation and revenues have risen noticeably. Currently, Mahindra & Mahindra is one of the 20 largest companies in IndiaIn 2009, Forbes ranked Mahindra among the top 200 most reputable companies in the world. In January 2011, the Mahindra Group launched a new corporate brand, Mahindra Rise, to unify Mahindra's image across industries and geographies The brand positions Mahindra products and services as aspirational, supporting customers' ambitions to 'Rise.' In April 2012, the Mahindra Group showed interest in purchasing the bankrupt automobile company Saab, and actually placed several bids for Saab, though was outbid by Saab's new owner National Electric Vehicle Sweden.

NBFC-Non-Banking Financial Company

Non-bank financial companies (NBFCs) are financial institutions that provide banking services without meeting the legal definition of a bank, i.e. one that does not hold a banking license. These institutions are not allowed to take deposits from the public. Nonetheless, all operations of these institutions are still exercised under bank regulation. However this depends on the jurisdiction, as in some jurisdictions, such as New Zealand, any company can do the business of banking, and there are no banking licenses issued. If an organisation in New Zealand intends to describe itself as a bank and intends to use the word bank in its title it must first receive approval and official registration and thus licence from the nation's central bank, the Reserve Bank of New Zealand. NBFCs offer most sorts of banking services, such as loans and credit facilities, private education funding, retirement planning, trading in money markets, underwriting stocks and shares, TFCs(Term Finance Certificate) and other obligations. These institutions also provide wealth management such as managing portfolios of stocks and shares, discounting services e.g. discounting of instruments and advice on merger and acquisition activities. The number of nonbanking financial companies has expanded greatly in the last several years as venture capital companies, retail and industrial companies have entered the lending business. Non-bank institutions also frequently support investments in property and prepare feasibility, market or industry studies for companies. However they are typically not allowed to take deposits from the general public and have to find other means of funding their operations such as issuing debt instruments. Difference between banks & NBFCs An often heard question from the laymen is what is the difference between a bank and a non banking finance company? Say for example, what would be the difference between ICICI Bank and Mahindra Finance. Yes, banks and other non banking financial institutions differ in some functional area. NBFCs lend and make investments and hence their activities are akin to that of banks.

However there are a few differences as given below:

NBFC cannot accept demand deposits; NBFCs do not form part of the payment and settlement system and cannot issue cheques drawn on itself NBFC cannot issue Demand Drafts like banks Deposit insurance facility of Deposit Insurance and Credit Guarantee Corporation is not available to depositors of NBFCs, unlike in case of banks. While banks are incorporated under banking companies act, NBFC is incorporated under company act of 1956

Other features of NBFCs are

The NBFCs are allowed to accept/renew public deposits for a minimum period of 12 months and maximum period of 60 months. They cannot accept deposits repayable on demand. The deposits with NBFCs are not insured. The repayment of deposits by NBFCs is not guaranteed by RBI.

Mahindra & Mahindra Financial Services Limited (MMFSL) is a finance company based in India. It is among the top 500 Indian companies by market capitalisation. Mahindra and Mahindra Financial Services Limited (MMFSL) commenced its journey in the rural nonbanking finance industry. And with that was born a vision to transform rural and semi-urban India into a self-reliant, flourishing landscape. Since then, we have come a long way, empowering millions of ambitious individuals with personalised finance for a wide range of vehicles, home development requirements and many other diverse endeavours all to help them live their dreams and Rise in life. MMFSL is focused on providing financing for Utility Vehicles (UVs), Tractors, Commercial Vehicles, Used Vehicles and Cars in the rural and semi-urban sectors. MMFSL is a subsidiary of Mahindra & Mahindra Limited, a leading tractor and UV manufacturer with more than 60 years experience in the Indian market. Focused on the rural and semi urban sectors, MMFSL has nationwide distribution with one of the largest network of branches. Mahindra Finance has a presence spread over 600+ locations across India. For the fiscal ended 31 March 2012, Mahindra Finance recorded a standalone net profit of 620.12 Crore against 463.11 Crore in FY1011. In the same period, Mahindra Finances consolidated net profit stood at 644.52 Crore compared to 4936.6 million. The Total Income

increased by 50% at Rs.8.39 billion during the quarter ended 30 June 2012 as against Rs.5.60 billion in the corresponding period last year. The Profit After Tax (PAT) registered a growth of 58%, at Rs.1.61 billion during the quarter ended 30 June 2012 as compared to Rs.1.02 billion during the corresponding period last year. MMFSL has moved from a single product company to multiple product company as on 2011. During FY2012, MMFSL has achieved around 60% growth. MMFSL's current thrust would be in commercial vehicle, construction equipment and second hand vehicle financing.

Public company NSE: M&MFIN Traded as BSE: 532720 Finance Industry 1991 Founded Headquarters Mumbai, Maharashtra, India Area served India Bharat N Doshi, Chairman Key people U Y Phadke, Director Ramesh Iyer, MD Financial services Products 27,945.9 million (US$480 million) Revenue [2] Type
(2012)

Total assets Total equity Employees Parent Subsidiaries

18,5615.6 million (2012) 1026.9 million (2012) 9,700+ (2012) Mahindra Group Mahindra Insurance Brokers

Limited MahindraRuraHousingFinance

Website

MahindraFinance.com

HISTORY:The history of Mahindra Finance has been one of continuous ascent where our effort to empower our customers has been a constant element. A strong set of values, an evolved lineage and a group of highly motivated individuals is what we started with. What followed was a series of events that helped us grow from strength to strength. And two decades that witnessed many dreams across the nation see the light of day. Come, walk with us through the journey of time and take a glimpse of how Mahindra Finance grew with all those who believed in it. Mahindra & Mahindra Financial Services Ltd. was incorporated on 1 January 1991 as Maxi Motors Financial Services Limited and received certificate of commencement of business on 19 February 1991. Its name was changed to Mahindra & Mahindra Financial Services Limited on 3 November 1992. MMFSL is registered with the Reserve Bank of India as an NBFC. Important events

1993: Commenced financing of M&M UVs 1995: First branch opened outside Mumbai, at Jaipur 1996: Commenced financing M&M dealers for purchase of Tractors 1998: Launched pilot project for retail tractor financing 1999: Commenced tractor retail financing in rural and semi-urban areas 2001: Total Assets crossed INR 10 billion

2002: Commenced financing of non-M&M vehicles, Received Tier II debt from International Finance Corporation (IFC) 2004: Long term credit rating of AA+/Stable, Listing of nonconvertible debentures on BSE on the wholesale debt market segment Securitisation of tractor assets of INR 256.6 million 2005: Tie-up with HPCL, MIBL became wholly owned subsidiary, Commenced distribution of third party mutual funds 2006: A successful IPO, subscribed nearly 27 times more, tied up with Maruti Udyog Limited ;Benchmark with 400 branches 2007: Entered Commenced Home Loans Business through a subsidiary Mahindra Rural Housing Finance Limited 2008: Received 12.5% equity participation from NHB for Subsidiary Mahindra Rural Housing Finance Ltd; Preferential allotement of shares to Standard Chartered Private Equity Ltd & TPG Axon Private Equity Ltd 2009: Launch of Fixed Deposits Program 2009: Received 12.5% equity participation from NHB for our Subsidiary Mahindra Rural Housing Finance Ltd. 2010: Loan against Gold launched in Kerala. 2010: Assets Under Management crosses Rs.100 billion. 2010: PBT crosses Rs.5 billion. 2010: Branch network crosses 550 branches. 2010: More than 200,000 new customer contracts in a financial year for the first time. 2011: Crossed the benchmark of Rs.100 billion in Total Assets 2011: Maiden QIP Issue 2011: Joint Venture with Rabobank subsidiary for tractor financing in USA and ventured into SME financing 2012: Crossed the benchmark of financing more than 2 million customers 2012: Consolidated the product portfolio by introducing Small and Medium Enterprises (SME) financing 2012: Maintained an 18% Capital Adequacy, complying with the minimum requirement of 15% set by the RBI

2012: CRISIL reaffirmed 'CRISIL AA+/ Stable' rating to the Company's long-term debt instruments and bank facile

Board of Directors& Management:-

The board consists of eight noted directors vested with the charge of general supervision, direction and management of the operations of our company. The primary responsibilities of the Board of Directors include:

Overseeing high standards of corporate governance and compliance with various laws Overseeing our financial management and approving various lines of business Shaping our policies and procedures Monitoring our performance and evolving the growth strategy Setting up counter-party and other prudential risk management limits

The Board of Directors

Mr. Bharat Doshi, Chairman Mr. Bharat Doshi is a fellow member of both, the Institute of Chartered Accountants of India and the Institute of Company Secretaries of India and has a Master's Degree in Law from the University of Bombay. He

has participated in the Program for Management Development at the Harvard Business School. He was also a Fellow of the Salzburg Seminar on 'Asian Economies: Regional and Global Relationships' held in December 2000. Mr. Bharat Doshi joined Mahindra & Mahindra Limited (M&M) in the year 1973. He is presently designated as Executive Director and Group Chief Financial Officer (Group CFO), M&M. He is also Chairman of Mahindra Intertrade Limited and Director of several companies in the Mahindra Group. He is an independent Director of Godrej Consumer Products Limited and NSE.IT.

Mr. Uday Y. Phadke, Director Mr. Uday Y. Phadke is currently the Principal Advisor (Finance) at Mahindra & Mahindra Ltd. (M&M). Mr. Phadke also has been with M&M since 1973. He holds a Bachelor's Degree in Commerce and Law from the Mumbai University. A member of the Institute of Chartered Accountants of India and the Institute of Company Secretaries of India, Mr. Uday was President Finance, Legal & Financial Services Sector and Member of the Group Executive Board of M&M. He is also a member of the SEBI Committee on Disclosures and Accounting Standards, CII National Committee on Accounting Standards and The National Group of Accounting Standards Board of Institute of Chartered Accountants of India (ICAI). Plus, he is also a Governing Council Member of the Association for Finance Dr. Pawan Kumar Goenka, Director Dr. Pawan Goenka has earned his Bachelor's degree in Mechanical Engineering from the Indian Institute of Technology, Kanpur and Ph.D. from Cornell University, United States. He has also graduated in the Advanced Management Program from Harvard Business School.

Dr. Goenka has been with General Motors R&D Centre in Detroit, Michigan, United States from 1979 to 1993. Thereafter, he joined M&M as General Manager, Research and Development (R&D). During his tenure, he led the development of the Scorpio sports utility vehicle. He was appointed as the Chief Operating Officer (Automotive Sector) in April 2003, President (Automotive Sector) in September 2005, and President (Automotive and Farm Equipment Sectors) with effect from April 2010. Talking about awards, Dr. Goenka received the outstanding 'International Advisor' award from the Society of Automotive Engineers (SAE) in 1997; the Charles L. McCuen Achievement Award in the year 1991 and 1995 from General Motors; the Burt L. Newkirk Award for the year 1987; the 'Extraordinary Accomplishment' award from General Motors in 1986; and the 'Distinguished Alumni' award from the Indian Institute of Technology, Kanpur in 2004. He is a Fellow of SAE International, and of the Indian National Academy of Engineers. Dr. Goenka, in the past, has been a President of Society of Automotive Engineers, India, and of the Automotive Research Association of India, Governing Council. He is currently the President of Society of Indian Automobile Manufacturers (SIAM) Dr. Goenka is also on the board of several Mahindra group companies. Mr. Ramesh Iyer, Managing Director Mr. Ramesh Iyer has been the Managing Director of the company with effect from 30th April, 2001 and is associated with us since inception. He comes with a wealth of experience in matters relating to business development, finance and marketing. Mr. Iyer is also a member of the Group Executive Board of M&M, the holding company, and on the Board of various Mahindra Group companies. He holds a Bachelor's Degree in Commerce and a Masters Degree in Business Administration. Mr. Iyer is a Member of the Banking & Finance Committee of the Bombay Chamber of Commerce and Industry, the Core Committee of Finance Industry Development Council (FIDC) and the Task Force of

NBFCs of Federation of Indian Chambers of Commerce and Industry (FICCI). He is also the Co-Chairman of the Group on Finance & Leasing and Insurance of the Council of Economic Affairs, set up by Society of Indian Automobile Manufacturers (SIAM). Mr. Iyer has had an illustrious career marked by numerous awards and accolades. He has won the Indian Achievers Award for Corporate Leadership by Indian Achievers Forum. He was also conferred the Business Leadership Award by the Institute of Economic Studies, New Delhi. His leadership was lauded with the CEO with HR Orientation' Award by Employer Branding Institute, CMO Asia, with their Strategic Partner CMO Council. In addition, he has also received the Udyog Rattan Award by the Institute of Economic Studies, New Delhi; the Rashtriya Udyog Pratibha Award by the Council for Economic Growth & Research, Pune; and the Bhartiya Udyog Ratna Award by the National Education & Human Resource Development Organisation, Mumbai. And that's not all. Mr. Ramesh Iyer has also featured in Business World's special report on India's Most 'Valuable' CEOs. He's ranked no. 5 out of 65 in the list of Mid-Sized Companies (Revenues: Rs. 1,000 3,000 cr.) category and at no. 6 out of 65 in the same category, based on its One-Year Performance. He is also ranked no. 20 out of 100, based on the company's Five Year Performance and no. 3 out of 12, based on the rankings in the financial sector. Mr. Dhananjay Mungale, Independent Director Mr. Dhananjay Mungale is a member of the Institute of Chartered Accountants of India and has a Bachelor's Degree in Commerce and Law from Mumbai University. He has spent a major part of his career in corporate and investment banking in India and Europe. He was Vice President Private Banking, Bank of America and was a Member Executive Committee, DSP Merrill Lynch Limited. Presently, he is an advisor to various corporations in both, India and Europe. He has been elected on boards of various public and private limited companies. He is

a Member of Development Council - Oxford Centre for Hindu Studies, Oxford, U.K. and is a Member of the National Committee of Mahindra United World College. Mr. Piyush Mankad, Independent Director Mr. Piyush G. Mankad has a Bachelor's and Master's Degree in Humanities from Delhi University. He then earned a Diploma in Development Studies from Cambridge University, UK. Post that, he joined the prestigious Indian Administrative Service in 1964. This was followed by major official postings that included Controller of Capital Issues, Ministry of Finance, Government of India; Principal Finance Secretary, Government of Madhya Pradesh; Secretary in the Ministry of Industry, Government of India; and Chairman of the Foreign Investment Promotion Board, Secretary Information and Broadcasting and FinanceRevenue Secretary, Government of India. His overseas assignments include those as Counsellor Economic, Embassy of India, Tokyo (1977 - 81); Executive Director for India, Bhutan, Bangladesh, Laos and Tajikistan; and Board Member for Asian Development Bank, Manila (2001

Products and services: The company's product portfolio includes right from finance for two wheelers, tractors, farm equipment, cars and utility vehicles to commercial vehicles and construction equipment also have a group of experts providing investment advice, surveying available market products and choosing the most suitable to customers' needs. The average loan size is about 350,000 [US$7,600].

Mahindra Insurance Brokers Ltd. (MIBL) serves as a one-stop shop for all your insurance requirements. A subsidiary of ours, MIBL provides 360o insurance solutions, tailor-made for your diverse needs. With a distribution network that is well-spread all over India, we provide you with the most comprehensive coverage at the best rates and optimised premium outgo. In addition, our commitment to efficiency and quality makes us one of the few insurance broking companies in India to have been awarded with the prestigious ISO 9001:2008 Certification for Quality Management Systems. Our Vision. "To Be India's No.1 Insurance Broker in Revenue by 2015." Mahindra Rural Housing Finance Ltd (MRHFL) is a wholly owned subsidiary of Mahindra & Mahindra Financial Services (MMFSL). It has been set up with an objective of meeting the housing finance needs of the rural/semi urban customers across the country

Mahindra Finance Samruddhi Fixed Deposit Features: Credit Rating FAAA by Crisil (indicates highest safety)

Minimum Amount

Minimum Amount is Rs.10000 for cumulative option

Rs.25000 for non-cumulative half yearly interest option & Rs.50000 for quarterly interest option

Additional amounts in multiples of Rs.1000/-

Who can Apply

Resident Individuals

HUFs

Domestic Company

Registered Trusts

Minors through Guardian only Note: Additional 0.25% p.a. interest rate to senior citizens/employees

Documents for KYC: i. Passport ii. PAN Card with address proof

iii. Voters Identity Card iv. Driving Licence.

SOME MAJOR COMPITITOR OF MAHINDRA FINANCE: Government companies:

National Housing Board (NHB) PNB Housing Finance Limited (PNBHFL) HUDCO LIC Housing Finance ltd.

Finance companies:

HDFC Shriram Transport finance (STF) JP Associates Bajaj Finance ltd. Muthoot Finance ltd. Aditya Birla Money ltd. L&T Finance ltd. Unitech.

Vision
TO
BE A LEADING FINANCIAL SERVICES PROVIDER IN SEMIURBAN AND RURAL INDIA.

Mission
TO
TRANSFORM RURAL LIVES AND DRIVE POSITIVE CHANGE IN THE COMMUNITIES .

S.W.O.T. ANALYSIS OF MAHINDRA FINANCE:-

STRENGTHS

Mahindra Finance has advantage of brand name of Mahindra &Mahindra Group. Mahindra Finance has large asset base of Rs.5000 crores. It has large distribution channels with 350 branches all over the nation. Company has large financial base as its IPO was subscribed 26.88 times. WEAKNESSES Mahindra Finance provides advisory service and they do not have share broking facility which their competitors have. Mahindra Finance is not known to the people.

Mahindra Finance does not make advertisement of its product.

Opportunities Mahindra Finance has entered into mutual fund distribution which is growing as per Indian market development Automobile sector in India is growing as foreign companies entering in India which is useful for Mahindra Finance as it provides vehicle loans Mahindra Finance helps individuals in making financial planning which is most profitable in as investment trend is changing in India. Threats The biggest threat for Mahindra Finance in the market is new entry of foreign non-banking financial institutions. In case of vehicle financing company has tough competition from large banks like State Bank of India, ICICI etc.

RESEARCH METHODOLOGY

Market research
Market research is systematic problem analysis model building and fact finding for the purpose of important decision making and control in the marketing of good and service. The research process can be said to be circular over a period of time. exploratory research may be define hypothesis that are their tested verified by conclusive research but in the latter process the conclusive research may develop new ideas opportunities of new difficulties. With the ever increasing complexity of marketing and business activity, market research has also increase complexity. Today carrying out research relating to customers products and market require specialized skills and sophiscated techniques market research has emerged as highly specified function of marketing management.

Research Design:
Research design specifies the method and procedure for conducting a particular study. The research design is of following types: Exploratory research Descriptive research Causal research

The design used in the present study is descriptive research. This was a structured research. Descriptive research is used when researcher wants to know the characteristic of certain group such as age, sex, education, income, occupation.

Geographical unit (Area Covered) :

Tricity( Panchkula)

Data Sources
The objectives of the project are such that both primary and secondary data is required to achieve them. So, both primary data secondary data was used for the project. The mode of collecting primary data is questionnaire mode and sources of secondary data are various magazine, books, newspaper and websites etc. There are two types of data available to researcher, these are:
Primary Data Secondary Data

Primary Data are generated when particular problem in hand is investigated by

researcher employing a mail questionnaire, telephone surveys, and Personal interview.

Secondary data:-

1. These types of data available in Internet and other type of medias. 2. For this project, data must be collected from the various journals. Secondary sources used are: Textbooks

Journals like business world, market research journal and journal of marketing.

Research Approach
There is various research approaches for collecting Primary data. But according to the need of project, survey was selected as research approach.

Research Instrument
The research instrument used in the study was structured questionnaire. While designing the questionnaire care has been taken in formulating & sequencing the question so that it allows logical thinking process for the respondent. Use of both close ended & open ended question was made so that Analysis become easy & responded can freely answer to question Methodology Adopted The methodology adopted by me studding the objectives was surveying the working segment in the Tricity. So, keeping in view the nature of requirement of study to collect all the relevant information regarding the NBFC sector direct personal interview method with structured questionnaire method was found to be the best for the collection of primary data. For this a set of questionnaire was designed for the working segment. The survey was conducted although this method was difficult and at different times, but had the advantages of higher accuracy. In this Project we adopted Distribution channel to aware brokers about company FD and impaneled them.