A Summer Internship Project Report on

PORTFOLIO ANALYSIS OF ORIENTAL INSURANCE

MASTER OF BUSINESS ADMINISTRATION

By

ADITI VARSHNEY
Register No 1321542


Under the guidance of

T.S RAMACHANDRAN






Institute of Management
Christ University, Bangalore
2013-2015

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DECLARATION


I, Aditi Varshney, do hereby declare that the Summer Internship Project entitled
Portfolio Analysis of Oriental Insurance , has been undertaken by me as part of my
studies in the degree of Master of Business Administration. I have completed this study
under the guidance of Prof. T.S.RAMACHANDRAN , Institute of Management,
Christ University, Bangalore and Mr.Navneet Doda, Manager,TOICL,Delhi.

I also declare that this work has not been submitted for the award of any degree,
diploma, associateship or fellowship or any other title in this University or any other
University.



Place: Bangalore (Aditi Varshney)
Date: Register No. 1321542











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CERTIFICATE


This is to certify that the Summer Internship Project submitted by Aditi Varshney on the
title Portfolio Analysis of Oriental Insurance, is a record of project work done by him
during the academic year 2001415 under my guidance and supervision in partial
fulfilment of Master of Business Administration. This Summer Internship Project has not
been submitted for the award of any degree, diploma, associateship or fellowship or any
other title in this University or any other University.


Place: Bangalore (Prof. TS.RAMACHANDRAN)
Date:













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ACKNOWLEDGEMENT


I am indebted to many people who helped me accomplish this internship successfully.

First, I thank the Vice Chancellor Dr Fr Thomas C Matthew of Christ University for
giving me the opportunity to do my summer internship project.

I thank Prof. Ghadially Zoher, Associate Dean, Fr Thomas T V, Director and Prof T S
Ramachandran, Head-Finance of Christ University Institute of Management for their
kind support.

I wish to take this opportunity to express my deep sense of gratitude to thank Mr.
Navneet Doda (Manager, TOICL, Delhi), for their invaluable guidance throughout my
project. I sincerely thank TOICL for providing me with an opportunity to work in the
Investment Department & to get an insight about it.

I thank Prof T.S.RAMACHANDRAN, for his support and guidance during the course of
my summer internship. I remember him with much gratitude for his patience and
motivation, without which I could not have submitted this work.

I thank my parents for their blessings and constant support, without which this summer
internship would not have seen the light of day.

Aditi Varshney
Register No. 1321542







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TABLE OF CONTENTS

Title Page No

Declaration ii
Certificate iii
Certificate from the company iv
Acknowledgement v
Table of Contents vi
List of Tables ix
List of Charts & Graphs x
Abstract xi

CHAPTER I
INTRODUCTION
1.1 INTRODUCTION 01

CHAPTER II
INDUSTRY PROFILE
2.1 ABOUT THE INDUSTRY 03
2.2 ACROSS THE WORLD 03
2.3 HISTORY OF INSURANCE 04
2.4 METHODS OF INSURANCE 05
2.5 INSURERS BUSINESS MODE 05
2.6 INDIAN INSURANCE INDUSTRY 06
2.7 INDUSTRY STRUCTURE 08
2.8 INDUSTRY REPOSITORY 08
2.9 AUTHORITIES 09
2.10 GENERAL INSURANCE COMPANY 09




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CHAPTER III
COMPANY PROFILE
3.1 INTRODUCTION 11
3.2 ORIENTAL INSURANCE COMPANY WORKFORCE 11
3.3 FINANCIAL HIGHLIGHTS 12
3.4 ORIENTAL INSURANCE PRODUCT PORTFOLIO 11
3.5 DISTRIBUTION NETWORK 18
3.6 FINANCIAL INFORMATION 19

3.7 CORPORATE VISION 19
3.8 MANAGEMENT 19
3.9 SWOT 20

CHAPTER IV
OBJECTIVE
4.1 OBJECTIVE OF STUDY 21

CHAPTER V
METHODOLOGY
5.1 SOURCE OF DATA 22
5.2 LIMITATION OF STUDY 22

CHAPTER VI
PORTFOLIO ANALYSIS
6.1 INTRODUCTION 23
6.2 DETAILED PORTFOLIO 23
6.3 OPERATION IN DEPARTMENTS 25
6.4 FRONT OFFICE 26
6.4.1 PRIMARY MARKET 26
6.4.2 MONEY MARKET 28
6.4.3 VENTURE CAPITAL FUND 31
6.4.4 CORPORATE BOND, TERM LOAN 32
6.4.5 G-SEC 35
6.5 ASSESTS LIABILITY MANAGEMENT 37
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6.6 MID OFFICE 38
6.7 BACK OFFICE 40
6.8 RISK MANAGEMENT 43
6.8.1 WORK IN PROGRESS 45
6.8.2 RISK ASSESSMENT 45
6.8.3 IDENTIFICATION & CATAGORIZATION OF RISK 46
6.8.4 HOW THEY PREPARE RISK DESCRIPTION 46
6.8.5 ROLES & RESPONSIBILITIES OF OFFICERS 47
6.8.6 RISK STRATEGY 48

CHAPTER VII
LEARNING & SUGGESTIONS

7.1 LEARNING 49
7.2 SUGGESTIONS 49

BIBLIOGRAPHY 51
























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LIST OF TABLES
Sl .no Title Page no

Table 3.1: Financial Highlights 11
Table 6.1: Investment 24
Table 6.2: Investment Pattern 36
Table 6.3: Gross NPA 40
Table 6.4: NPA/GNPA 41
Table 6.5: NPA/TOTAL INVESTMENT 41






























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LIST OF GRAPHS
Sl .no Title Page no

Graph 6.1: Investment 25
Graph 6.2: NPA to total investment 40
Graph 6.3: NPA/GNPA 40
Graph 6.4: NPA to TOTAL INVESMENT 41














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EXECUTIVE SUMMARY
BACKGROUND
This report presents the details of the Study on the Investment & Portfolio Pattern at
The Oriental Insurance during the period 14
th
April to 28
th
May.
The purpose of the work was to study the investment methods, analyse the investment
portfolio and determinant factors .

SCOPE
The scope of the study is based on
Sector Based Investment
Diversified portfolio management
Return on the Different sectors
Regulations and Implications
Equity market fluctuations

This report however focuses on the understanding and allocation of funds in different
sector.
OBJECTIVE
Understand and study the investment market and evaluation of return on the investment
in different sectors.
METHODOLOGY & SAMPLING
Underwent a complete study based on the interaction with the company employees. The
department undergo a confined study about the investment and sector based on the
different criterias.

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FINDINGS
Investment in different segment & to deal with risk associate
Forecasting and evaluating the return at different level of risk.
Management of surplus fund, which is proper allocation of fund in the decided
sector on the basis of market research carried out.