ADITYA BIRLA MONEY

MART
LTD.

WEALTH MANAGEMENT DIVISION

Submitted By:
Abhijeet Patil (15020241002)
MBA-IB (2015-17)
Symbiosis Institute of International Business

Under the guidance of

Project Guide: Mr. Gauranga Goswami, Area Sales

Manager, ABMM
Faculty mentor: Dr. Jeevan Nagarkar

Manish Jaiswal

5th June,2015

Page 1

Table of Contents
Acknowledgement.............................................................................................................. 3
Executive Summary........................................................................................................... 4
Organization Profile............................................................................................................ 5
Products & Services........................................................................................................... 7
Project Information & Timeline......................................................................................... 17
Training............................................................................................................................ 18
Activities.......................................................................................................................... 19
Recommendations............................................................................................................ 23
Annexure.......................................................................................................................... 24
References....................................................................................................................... 25

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Acknowledgement
I would like to thank the company, Aditya Birla Money Mart Limited for selecting me as a summer
intern. This gave me an opportunity to be a part of a NBFC group and also get involved in financial
services and wealth management (insights).
I convey my sincere thanks to my mentor, Mr. Gouranga Goswami for his constant encouragement
and support at each stage of the project. The words of guidance and advice received from him were
very useful during the project. His stress on learning different things and igniting me to be a part of
small projects are highly appreciated.
My special thanks to Mr. Suyog Aparajit (Regional Head), who is an exceptional leader and motivator.
In spite of being at a high position, he never let us feel the same and made himself available for us
whenever we needed. The receptiveness and appreciation of the work was very motivating.
I would also like to thank Mr. Ankit Dubey & Mr. Prakalp Mishra for providing us various tasks and
other employees in the company for helping us throughout. Interaction with all of them was very
fruitful.
I am also thankful to my college authorities at SIIB, for allowing me to undertake this project and get
a nuance of the business world.
Abhijeet Patil

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Executive Summary
My internship at ABMM started on 4th April, 16 and went on for two months. This report is basically
based on my learnings and experiences in the company. All the work and activities which I did are
detailed in this report.
Aditya Birla Money Mart Limited offers wealth management, financial planning and investment
solutions, mainly through a range of products like mutual funds, insurance, PE funds, alternate
investments, select fixed deposits and IPOs and structured products.
The company provides life insurance products of Birla Sun Life Insurance, sourced through its wholly
owned subsidiary BSDL Insurance Advisory Services Ltd (BSDLIAS), licensed to act as a Corporate
Agent of Birla Sun Life Insurance Company Limited.
The Corporate & Institutional section caters to banks, financial institutions and other companies;
Wealth Management service focuses on HNIs; while the Retail section offers solutions through
Channel Partners and branches. A combination of personal attention, ethical practices, strong research,
state-of-the-art technology, streamlined processes and innovative marketing has made ABMML one of
the premier distribution companies in India, well poised to serve the growing economy and increasing
investor population.
We developed a new strategy, named CA Alliance, which engages us to contact chartered accountants,
who would act as referral agents or mediums to set up client base as they have their own clients, HNI
and ultra HNI. Similarly we contacted some corporates. We interacted with some customers and had
discussion with them regarding their investment pattern. Building faith and relationship is a must to
have a long term relationship with the client. The relationship with clients was based on faith, honesty
and transparency.

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Organization Profile

A US $40 billion corporation, the Aditya Birla Group is in the League

of Fortune 500. It is anchored by an extraordinary force of over
120,000 employees belonging to 42 nationalities. The Group has
been ranked Number 4 in the global 'Top Companies for Leaders'
survey and ranked Number 1 in Asia Pacific for 2011. 'Top
Companies for Leaders' is the most comprehensive study of
organisational leadership in the world conducted by Aon Hewitt, Fortune Magazine, and RBL (a
strategic HR and Leadership Advisory firm). The Group has topped the Nielsen's Corporate Image
Monitor 2013-14 and emerged as the Number 1 corporate, the 'Best in Class', for the second
consecutive year.
Over 50 per cent of the Aditya Birla Group's revenues flow from its overseas operations. The Group
operates in 36 countries Australia, Austria, Bangladesh, Brazil, Canada, China, India etc.
Aditya Birla Group The Global Scenario

It is one of the No.1 in viscose staple fiber three biggest producers of primary aluminum in
Asia with the largest single location copper smelter
No.1 in carbon black
The fourth-largest producer of insulators
The fourth-largest producer of acrylic fiber
Among the top 10 cement producers
Among the best energy-efficient fertilizer plants
The largest Indian MNC with manufacturing operations in the USA
A metals powerhouse, among the world's most cost-efficient aluminum and copper producers

Aditya Birla Group The Indian Scenario

The largest fashion (premium branded apparel) and lifestyle player

The second-largest manufacturer and largest exporter of viscose filament yarn
Among the top three mobile telephony companies
A leading player in life insurance and asset management
Among the top two supermarket chains in the retail business

CSR Activities

Works in 3,000 villages

Reaches out to seven million people, annually, through the Aditya Birla Centre for Community
Initiatives and Rural Development

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Focuses on healthcare, education, sustainable livelihood, infrastructure and espousing

social reform in India, Brazil and Egypt, as well as Philippines, Thailand, Laos, Indonesia,
Korea and other Asian countries

Aditya Birla Money

Aditya Birla Money formerly known as Apollo Sindhoori Capital Investments is a leading
player in the broking space with nearly 15 years of experience. It became a part of Aditya Birla

Group in March 2009, when the group acquired 76% of the company.
The Company has a strong distribution network of over 800 own branches and franchisee
network, a large customer base in excess of 1,80,000, a strong technology backbone and a
range of products delivered through a robust online and offline model. The Company boasts of
immense talent pool and vertical specialists which add to its positioning as a major player in

this segment.
Aditya Birla Money is listed on National Stock Exchange of India Limited [NSE] and The
Bombay Stock Exchange Limited [BSE]. It is also registered as Depository Participant with
both NSDL and CDSL.

Aditya Birla Money offers the following services:

Trading facility in Equity segment on and Derivative segment on NSE & BSE through a single

platform
Trading facility in commodity segment, including bullion, oils, gaur seed etc. through its

subsidiary, Aditya Birla Commodities Broking Limited

Depository Participant [DP] services of NSDL and CDSL
Online bidding for IPO and Mutual funds
Subscription based brokerage plans
Distribution of Mutual Funds
Real estate investment

Aditya Birla Money Mart

Aditya Birla Money Mart Limited is a wealth management and distribution player, offering third party
products like company deposits, mutual funds, insurance, structured products, alternate investments,
property services, and has a premium wealth management service arm to cater to HNI and ultra HNI
customers.

Products & Services

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Following are the products for financial investment which are offered by Aditya Birla Money ltd.

Portfolio management service (PMS)

Equity
Commodity
Derivatives
IPO
Currency
Mutual Funds
Life Insurance
Alternative Investments
Fixed Deposits
General Insurance
Health Plan
Property Services
Depository Participant
Structured products

What is Portfolio Management Service?

The art and science of making decisions about investment mix and policy, matching investments to
objectives, asset allocation for individuals and institutions, and balancing risk against performance.
Portfolio management is all about strengths, weaknesses, opportunities and threats in the choice of
debt vs. equity, domestic vs. international, growth vs. safety, and much other trade-offs encountered in
the attempt to maximize return at a given appetite for risk.
In the case of mutual and exchange-traded funds (ETFs), there are two forms of portfolio
management: passive and active. Passive management simply tracks a market index, commonly
referred to as indexing or index investing. Active management involves a single manager, comanagers, or a team of managers who attempt to beat the market return by actively managing a fund's
portfolio through investment decisions based on research and decisions on individual holdings.
Closed-end funds are generally actively managed.

A few of the products offered by the company are detailed below:1. Motilal Oswal Asset Management Company-PMS
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o Amongst Indias one of the leading PMS Service Providers, with Assets under Management of
approx Rs. 2135 Crores.
o Our Flagship Value Strategy has outperformed the benchmark across market cycles over a 11
year period.
o MOAMC - PMS has one of the largest active accounts (more than 4,170) on PMS Platform.
o Value Strategys performance is rated by internationally reputed agency Morningstar every
quarter.
o MOAMC - PMS has active clients in 138 different cities right from Agra to Vijayawada; a
testimony of strong acceptance of our PMS across the length & breadth of the country.
There are two main strategies adopted at MOAMC, which are described ahead:
a. Value Strategy
b. Next Trillion Dollar Opportunity (NTDOP)
A. Value Strategy

Wealth Creator- Value Investing

Buy & Hold Philosophy
Value Philosophy
Rigorous Investment Process

Value Philosophy:
Focus on Return on Net Worth
Companies which are likely to earn 20-25 % on its net worth going forward.

Margin of safety
To purchase a piece of great business at a fraction of its true value.

Balance between growth and value

The focus is on buying undervalued companies
Buying stable earnings / cash flows in reasonably priced assets

Long-term investment View

Strongly believe that Money is made by investing for the long term

Bottom Up Approach
To identify potential long-term wealth creators by focusing on individual companies and their
management bandwidth.

Focused Strategy Construct

The strategy should not consist of more than 15-20 stocks
Fund Structure
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Risk Return Matrix and Strategy Construct

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Sliver inn near to queens town lokmanya hospital

Growth noticed in terms of investment in different companies

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Sector Allocation of Funds

B. Next Trillion Dollar Opportunity

India has joined the club of countries with a Trillion Dollar GDP in FY08
It took almost 60 years for the first US$ 1 trillion of GDP but is expected to take only 7 years
for US$2 trillion
Overall robust service sector enabled by strong GDP growth
Service sector driven by rapid productivity improvement is expected to lead future GDP
growth
Due to sustained growth in consumer income, Manufacturing sector to be a key growth driver
Dependency on Agriculture is expected to reduce as witnessed in developed countries
Higher contribution of service sector in GDP would reduce the volatility in GDP growth

Rising Discretionary Spending

Per Capita GDP has grown to Rs. 82,339 in 2013 from Rs. 38,277 in 2007
Higher Per Capita GDP to increase Disposable Income

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Investment Philosophy and Strategy:

High Growth Stories: Sectors and companies for higher than average growth
Reasonable Valuation: Invest in high growth companies at reasonable price / value
Emerging Themes: Focus on Identifying Emerging Stocks / Sectors
Buy and Hold Strategy: The Portfolio shall focus on above philosophies and hold positions till value
crystallization
Investment Horizon: Long Term (3 Years +)
Strategy Construct:
Investment Universe:
- Focus on Non-Nifty companies
- Market Cap distribution Concentration
- >Rs 2500 Cr -largest market cap constituent of CNX Mid Cap* - 75-100%
- <Rs 2500 Cr -0-25%
Allocation Limit
- Individual Stock Allocation Limit: 10% for Midcaps & 5 % for Small Caps.
- Sector Allocation Limit: 35 % or as per benchmark
Stock Portfolio
- 20 to 25 stock
- Benchmark: CNX Midcap Index
Risk-Return Graph

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2. Birla Sun Life Insurance

A premium product, which is designed especially for HNI and ultra HNI clients. It is based on HLV or
Human Life Value, which is method of calculating the amount of life insurance a family will need
based on the financial loss the family would incur if the insured person were to pass away today. It is
usually calculated by taking into account a number of factors including but not limited to the insured
individual's age, gender, planned retirement age, occupation, annual wage, employment benefits, as
well as the personal and financial information of the spouse and/or dependent children.
Since the value of a human life has economic value only in its relation to other lives such as a spouse
or dependent children, this method is typically only used for families with working family members.
Below is the form used to calculate the HLV of any individual:-

Name:_________________________________________
Your Age (in years)
Amount (INR)
Annual Gross Income
less Personal Expense including Taxes*
Amount used for Family
HLV Factor as per Age@
Gross Human Life Value
less Liquid Assets$
less Existing Life Insurance (Sum Assured only) add Current
Liabilities#
add Money Value of Dreams for rest of life##
Your Life Value
*

This is the money you spend on yourself & towards taxation

@ HLV Factor
Upto 25 years - 20 times
26 to 35 years - 15 Times
36 to 45 years - 12 Times
46 years + - 10 times

Anything that can be converted into cash in the next 7

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as a liquid asset e.g. Cash, FD, Bank Savings, MFs, etc.

3. Mutual Fund
Birla Sun Life Emerging Leaders Fund
Birla Sun Life Emerging Leaders Fund Series 2 is a 3-year closed ended equity fund which aims to
generate long term capital appreciation by investing in equity and equity-related securities of small
and mid-cap companies.
Potential to generate multi bagger returns through unlocking intrinsic value is generally higher in
Small &Mid-caps. Some more reasons to invest in Small and Midcap companies They are Under Researched: Limited research coverage for this segment: Currently only 11%
of listed & traded companies are covered by 3 or more brokerages out of large universe.
They are Under Owned: Institutional ownership is relatively lower in Small & Midcap Stocks
They are Under Valued: Price tends to be lower than the intrinsic value; creating valuation
arbitrage
Investment Process
The Small and Mid-Cap theme is all about stock selection rather than asset allocation. Some of the key
parameters for stock selection are:
1. Sustainable Growth: The fund will buy quality business which has a sustainable model and there is
a visible opportunity to scale the business.
2. High Quality Management: This remains an important criterion for stock selection. Even though a
business is sustainable, it wont find investment allocation if it does have a quality management
running the business.
3. Capital Efficiency: The Fund would buy stocks that have superior capital efficiency in terms of
ROCE, ROE and have Competitive Industry dynamics
4. Attractive Valuations: Valuations will be one of the most important parameter while deciding on a
stock. The fund will adopt a Value investing approach, with a high margin of safety in the endeavor to
generate superior returns.
Birla Sun Life Medium Term Plan
Fund Objective & Strategy-The primary investment objective of the Scheme is to generate regular
income through investments in debt & money market instruments in order to make regular dividend
payments to unit holders. The Fund intends to optimize returns by keeping its portfolio duration
between 1 year to 5 years. At any time the maturity of the portfolio will be governed by the fund
manager's perception of the interest rate scenario prevailing in the economy.
Open-ended and Debt: Income
Risk Grade Below Average
Return Grade High
NAV Rs. 15.42 as on May 7, 2014
Net Assets - Rs. 2331.5 crore as on Mar 31, 2014

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4. CignaTTK Health Insurance

Aditya Birla sells health insurance products of CignaTTK group and has a tie-up with the company.
CignaTTK Health Insurance Company Limited is a joint venture between the U.S. based global health
service leader, Cigna Corporation and Indian conglomerate TTK Group. Cigna Corporation maintains
sales capability in 31 countries and jurisdictions and has more than 80 million customer relationships
throughout the world. TTK is widely recognized across India with a reputation built across eight
decades for quality consumer products and services.
CignaTTK is a stand-alone health insurance company having a pan India presence, headquartered in
Mumbai. CignaTTK will offer differentiated health insurance solutions including health and wellness
programs that support customers in making lifestyle changes and managing chronic medical
conditions.
Health Insurance is basically a type of insurance coverage that pays for medical and surgical

expenses that are incurred by the insured. Health insurance can either reimburse the insured for
expenses incurred from illness or injury or pay the care provider directly. Health insurance is often
included in employer benefit packages as a means of enticing quality employees.
The cost of health insurance premiums is deductible to the payer, and benefits received are tax-free.
Health insurance has many cousins, such as disability insurance, critical (catastrophic) illness
insurance and long-term care (LTC) insurance.
Plan of CignaTTK that covers you completely:
1. In Patient HOSPITALISATION
2. Pre- HOSPITALISATION
3. Post-HOSPITALISATION
4. Day Care Treatment
5. Health Care Maintenance
6. Healthy-Rewards
7. Health Check-UP
8. Domiciliary Treatment

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Project Information & Timeline

Project Information
Project Title:
Analyzing Portfolio Management Services (PMS), SIP, mutual funds and other financial instruments
offered by the company, and understanding the delivery mechanism.
Project Scope:
Acquiring clients by understanding their investment pattern, providing them value services by
advising them different financial investment products.
Abstract:
The basic idea behind our internship project was locate the HNI and ultra HNI investors across Pune,
understanding their financial needs pattern of investment, risk appetite and advising them products
based on that with the help of our senior Relationship managers. Advisory solutions would be
provided to clients that too without charging anything from them.
Project timeline
Week1-2
Training on financial market and financial services and products

Week2-3
Collecting data, Questionnaire design and approval

Week4-5
Generating leads from references and doing cold calling to them

Week6-7
Client meeting and follow Up, Deal conversion with clients.

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Training
During the first few weeks of our internship, we were trained about the financial products and services
given by our company.
There was an introductory session on which instruments they deal in the company. It was important to
know them so that we can understand the working and know what exactly and basically we are going
to do. After that we had a session on Real Estate. We got to know about it as a whole in the country,
plus the facts about Pune city (rates, etc.)
We had a session on Equity Market and equity shares. We got to know how trading is done basically
(the process), the types of accounts, prices, trading and other important and interesting knowledge. We
also had a session on derivatives. Next we had a session on Mutual Funds. We were told about the
different aspects and why are they so popular and important. Some points include SIP, hybrid market,
NEB, etc.
There was a session on Operations of the company. We were told how we are to cater to the clients
needs and make sure everything is handled smoothly. We were shown some customer forms and made
aware of certain technicalities.
Next we had a session on Sales. We got to know different aspects of it and how to pitch to a customer,
what he expects and what we are expected to do. We had a session on Insurance. We were told the
types of it, products, principles, and concepts which they sell in the company.
Further we had sessions on their products, Health Insurance and Loan under mortgage. We got to
know about the benefits of health insurance and how good that particular product has been, being
reputed among the few old and best health insurance products in India.
The next day we had a session on Loan under mortgage which is one of their primary services. We got
to know their benefits, being distinct from a bank; and the documents which are required for such
loans (including KYC and financials). The floating interest rate for loan against property is 12.5 %.
Other loans given are for commercial purchases and Lease Rental Discounting (LRD). We got detailed
what happens before a loan and even what follows after it.
The following days we got briefed in stages, what would be our upcoming tasks. We were grouped as
teams of 4 and coordinated among each other as there were interns from another college as well.
All these sessions were quite interesting and they gave us a basic insight into the instruments and a
proper understanding of them.

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Activities
1. Cold Calling: It is a technique whereby a salesperson contacts individuals who have not previously
expressed an interest in the products or services that are being offered. It typically refers to phone calls
but can also entail drop-in visits such as with door to door sales people. We developed a sales pitch for
our calling and different ones for corporates as well as others, like doctors and chartered accountants.
Cold calling is soliciting potential customers (HNI or Ultra HNI Clients) who were not expecting to
speak with you. The term 'cold' refers to the fact that you haven't laid any groundwork for your call.
We did a lot of cold calling and arranged many wealth calls. Our senior relationship managers
accompanied us in the call and helped us understand the client requirement of investment. Then we
took the follow up with the clients and tried to fulfil their requirements either by mailing them the
details or by personally meeting them with our RMs. We have always tried to maintain relationship
with the clients by advising them in managing their portfolio so that they can get the better returns
from their investment patterns. We got the task of calling possible clients for the company and making
aware the products and benefits to them. Basically we had two sections, which we developed as
strategies- CAs and corporates. There were 2 main strategies under this:CA Alliance
The CA-Alliance is a new strategy developed here which engaged us to contact chartered accountants,
who would act as referral agents or mediums to set up client base as they have their own clients, HNI
and ultra HNI. They would be our referral partners who would share their own clients so that we
provide them with our various financial services and products. In return they would earn some
percentage of sums benefited from the clients. It is like an additional revenue stream generated for
them. Through this platform we would get their clients and they would share profits from the services
we distribute to their clients, whether directly or indirectly. Our job was also to provide them
information regarding the products and services that we have and guide them in the whole process.
We started calling CAs and got some responses with some of them eager to meet and some willing to
work with our company. So we called the Accountants from the list we had made and told them about
our proposition. We were teamed up with other interns and together we called hundreds of them. But
we got very few responses as most were not available and others were not interested. Out of the few
responses we got, we called them again to set up meetings with our relationship managers. We also
mailed them the terms and conditions and other documents regarding the whole proposition and the
benefits.
Corporates
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We had also made a list of corporates whom we had to call and make them aware about wealth
management in our company. We decided that calling them is not going to work, so we visited some of
the companies ourselves to see if we could tell them about our financial services. Some of the
companies we visited are given in the annexure.

2. Face-to-face Interaction with new people:

This was a unique and interesting activity as we got to visit parks and gardens in the morning, so that
we could interact with new people who could be possible HNIs and ultra HNIs and make them aware
about us. The fresh response we got was fulfilling as we had planned the activity based on a
questionnaire and went as teams, accompanied by RMs. Following is the questionnaire:

Financial Advisory Questionnaire

NameCompany NameDesignation1. Do you invest in Financial Market Instruments?

o Yes
o No
2. What different products you invest in, (if yes tick the options),(if no how many of these products
you are aware of)
o Yes
o No

PMS(Portfolio Management Services)

Private Equity
SIP(systematic investment plan)
Mutual funds
LAP &LAS
Real Estate
Preference shares and secondary market bonds
Insurance
Corporate FDs(fixed deposit)

3. Who is your present distributor?

o NBFC
o Banks
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o IFAs(individual financial advisors)

o Others

4. What is your current portfolio size, if no (how much will you be willing to invest)?
o
o
o
o

10Lacs-25Lacs
25-50Lacs
50lac-1Cr
>1Cr

5. What is the expected returns you are looking at?

o 10%-12%
o 12-15%
o >15%
6. What is your horizon for Investment?
o 1yr-3yr
o 3yr-5yr
o >5yr
7. Would you like to take a second opinion on your MF/Equity Portfolio?
o Yes
o If No (would you like to know more about the financial instruments Aditya Birla has in its
ambit)
8. Would you like consolidate your MF portfolios into one view statement?
o Yes
o No
Mob. No. Email Id

We would normally end our talk by asking him to set up a meeting or following up on a call basis. We
talked only to people who were sitting, taking rest or walking slow. We never bothered others.
We got some very good responses and our RMs followed up with talks on their own later, as meetings
were set up.

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Some of the snaps clicked during our visit to the places (Durga Tekdi, Nigiri and Joggers Park, KP)-

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Recommendations
I was excited to be a part of an organization as I have no prior job experience and so looked forward to
have a great internship. This company very much lived up to my expectations and gave me an
experience which I can cherish on my own. They have a wonderful team and a good job culture which
is not very stressful. Every employee there, including the head, was nice towards and never biased us
on any count. The task given to us was planned and precise to our abilities. We were even trained
properly so that we would not face difficulties while talking to customers.
The company, on an overall basis is good for interns and especially good for those have Sales and
financial services as their interests. They give a good platform to Finance students through Wealth
Management, as it not only gives an insight into it but also gives a practical learning, based on real life
scenarios. The constant motivation from our seniors was helpful in our performing of tasks and they
were always ready for help and support.
There are a few points which I would like to advise as improvising for the company:1. Put sufficient information on their website, including a proper division or page that
would reflect their services.
2. Increase awareness and marketing about their own division.

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Annexure
Following is a sample of data that was collected about CAs and the responses within.
CA
milind m kulkarni
mkp&company
p c patil &associates
paras munot&co
nikhil raheja &associates
mundada shah&associates
nerlikar &associates
kavita tatiya & co
katariya & katariya
kalani mantri & associates
s r hajgude & co
sonia gupta & co
s n r & associates
s m iqbal &associates
s n khadloya&co
satav belpatre & associates
kondhare karbhari& associates
k suman & associate

Response
Interested
Interested
mail-Monday
Interested
call later, not come
back yet
call later, not there
not there
no one answered
6 in evening or mail
meeting and mail
not there
talk with partner
Interested
Interested
Interested
Interested
call after 2-3 days
Interested

Similarly, we collected data of corporates: (sample)

COMPANY
Geometric Ltd
Tata Technology
Accenture
Cognizant
TCS

ADDRESS
Hinjewadi
Hinjewadi
Hinjewadi
Hinjewadi
Hinjewadi

PHONE NO
22906000
66529090

Infosys
Tech Mahindra

Hinjewadi
Hinjewadi

22932800

Manish Jaiswal

22931100

HR Names
Vaishnavi Hardas
Hema Rahane
Nupur Negi
Manisha Negi
Archana
Radhakrishnan
Kavita Kulkarni
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L&T
Aker Solutions
Cisco
Neeyamo
Saama
Sasken
Orien Pro
Atos
Persistent Systems
KPIT Cummins

Hinjewadi
Hinjewadi
Hinjewadi
Hinjewadi
Hinjewadi
Hinjewadi
Hinjewadi
Hinjewadi
Hinjewadi
Hinjewadi

Sonal Athvanker
A M Venkat

Abhay Chitnis
Manoj Kumar

66525000

Kanchan Wadhwani
Baliram Mutagekar
Sumedha Nashikkar

References
MMR Monthly Market Review
http://www.motilaloswal.com/Asset-Management
http://www.adityabirlamoney.com
http://www.investopedia.com
Investime- Aditya Birla Money Journal

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