Jaypee Business School

Jaypee Institute of Information Technology

(Declared Deemed to be University u/s 3 of UGC
Act)
A-10, Sector 62, NOIDA, 201 307, INDIA, www.jbs.ac.in

INTERNSHIP WITH

ACCRUAL INTELLIGENCE MANUAL GROUP

Corporate Internship Report

Internship Report submitted as a partial requirement for the award of the three
year Bachelor of Business Administration Programme
BBA 2020-23

Name: Anshita Goyal

Enrollment No :20709037

(Accrual Intelligence Manual Group, Delhi )

Corporate Internship
Supervisor Name:Mr. Aman Gautam

JBS- Faculty Supervisor: Dr. Shriram Anil Purankar

Start Date for Internship:15 June 2022

End Date for Internship: 30 July 2022

Report Date:
 SELF CERTIFICATE

I hereby declare the project report entitled “Accrual Intelligence Manual

Group” is submitted to Jaypee Business School by Anshita Goyal ,
Enrollment Number: 20709037, BBA .

I certify that the project report submitted in partial fulfillment of

requirements for the degree of Bachelor in Business Administration is a
bonafide work carried out under the the supervision and guidance of Mr.
Shriram Anil Purankar during the academic session 2020-2023.

Furthermore I certify that The content of this report has not been submitted to
any other university or institute and the work is entirely original .The Report
has been prepared by adhering to the guidelines provided by the university.

During the preparation of this internship report , no copyright has been

breached and Whenever any materials from other sources is used , due credit
is given to them in the text of the report and their details in the references are
mentioned .

I further assert that the conclusions drawn and statements made are accurate
and the report contains original work done during the internship under the
guidance of the corporate mentor : Mr Aman Gautam , and the faculty Guide :
Dr Shriram Anil Purankar.

Date : 2 July 2022

Anshita Goyal
CERTIFICATE FROM THE
ORGANIZATION
TURNITIN PLAGIARISM REPORT
 ACKNOWLEDGEMENT

The satisfaction on completion of any successful task is incomplete without

gratitude.I take this opportunity to express my sincere gratitude to all those
who have played a part in completion of this report.I am immensely grateful
to them , without them completion of report would have been impossible.

Many thoughtful and helpful recommendation made it possible to compete

this report in due time . Also, constructive criticism from the mentors and my
dear ones helped me in giving this report a successful appearance.

Its a privilege to be able to work in such immense and diverse work culture I
am immensely thankful to AIM India for providing me with such a
wonderful opportunity. The learning and the experience of the internship will
stay with me through out my life .

I would like to thank my university as well as our placement cell for giving
me this opportunity where I was able to learn to the best of my ability.

I would like to express my sincere gratitude to my corporate mentor, Mr.

Aman Gautam who guided me through out the tenure of my internship. Not
only this but he showed me what the importance of honesty and hard work is
for any task .

Most importantly I would like to thank my faculty guide, Dr.Shriram Anil

Purankar sir for supporting ,guiding and motivating me throughout my
internship.
 TABLE OF CONTENTS

S.NO TITLE PAGE

NO.
1 SELF CERTIFICATE
2 CERTIFICATE FROM THE ORGANIZATION
3 TURNITIN PLAGIARISM REPORT
4 ACKNOWLEDGEMENT
5 EXECUTIVE SUMMARY
6 INTRODUCTION
7 COMPANY DETAILS
8 DETAILED STUDY OF THE ORGANIZATION

COMPANY OVERVIEW
IDENTITY AND COMMITMENT
VISION AND MISSION
SERVICES OF THE ORGANIZATION
DOMAINS
WORK CULTURE AT AIM INDIA

9 SWOT ANALYSIS

10 ORGANIZATIONAL STRUCTURE
11 MARKETING MIX
12 FINANCIAL ANALYSIS

BALANCE SHEET
STATEMENT OF PROFIT & LOSS
RATIO ANALYSIS

13 PROJECT DESCRIPTION

OBJECTIVES OF THE PROJECT

PRODUCTS
FEATURES OF THE PRODUCT
 CATEGORIES AVAILABLE UNDER THE
PRODUCT
CLIENT EXPECTATIONS MEETING THE
PRODUCT REQUIREMENT
TERMS OF LIFE INSURANCE
CATEGORIES OF LIFE INSURANCE
TASK CARRIED OUT DURING THE PROJECT

14 SALES PROCESS SUMARY AT AIM INDIA

15 CONCLUSION
16 RECOMMENDATION
17 LEARNINGS
18 REFERENCES

EXECUTIVE SUMMARY
Its rightly said , Do not be embarrassed by your failures rather learn from
them and start again.

Internships often provide students with the exposure they need before actually
entering the corporate world. It helps in building the overall personality of an
individual and prepares them for the corporate lifestyle .

The university provided the students with internship opportunities to work

and gain experience from them.The internship was to be carried out as per the
guidelines of the university. The internship helped in gaining practical
knowledge and was helpful in learning how a professional workplace operate.

AIM India is one of organizations that provides internship opportunities to

numerous students . they train them and makes them future ready . they allow
their interns to work on real projects and gain experience as a true
employee.AIM India mainly focuses in the wealth management sector and has
tie ups with several banks. They also tie up with several educational
institution to provide internship opportunity to several students.the domains
which they mainly focus on are : HR Consultancy , Portfolio Management
and Compliance services .

Further in the report we will be able to learn how AIM India works as an
organization and also we will be able to learn more about the diverse culture
and work carried out by them.we will also learn about various concepts of
finance and marketing which played a huge role in the internship.

Company : AIM India ( Accrual Intelligence Manual Group)

Profile : Finance and Marketing
Tenure of the Internship: 45 Days
Location: New Delhi

INTRODUCTION
AIM INDIA , Accrual intelligence manual group is an Indian based private
limited company who deals in wealth management sector. They are one of the
Major corporate service provider in India. AIM was incorporated on 29
September 2017 and works as a sister company to Leading Solution private
limited.

Accrual Intelligence Manuals India Private Limited is majorly in Community,

personal & Social Services business and currently, company operations are
active.

AIM India mainly focuses in the wealth management related activities and has
tie ups with several banks. They also tie up with several educational
institution to provide internship opportunity to several students.the domains
which they mainly focus on are : HR Consultancy , Portfolio Management
and Compliance services .
AIM INDIA is one of the evolving consulting firms in India . they blend to
achieve financial independence to all its customers and clients. They also
work as an talent acquisition partner and expert in financial counselling for its
clients.

They coordinate all the services needed to manage clients money and provide
them with various investment options for planning their future more aptly.

Further more Aim India provides ongoing support, and advice to all of its
clients even when the investment is completed . they will keep the clients
updated about various changes occurring in the regulations that may directly
affect the clients and shares the strategies to maximize the profitability,
efficiency and productivity in the investment .

they pitch various beneficial investment options to potential investors which

may be beneficial to the clients in the long run .they also provide services to
their clients such as :internship services , training and development services,
compliance services,accounting services,taxation services,recruitment
services , consulting services and many more exciting services to their clients
and customers .

COMPANY DETAILS
 Company Name ACCRUAL INTELLIGENCE MANUALS INDIA
PRIVATE LIMITED
CIN UP3000DL2017PTC324336

ROC Code RoC-Delhi

Registration Number 324336

Company Category Company limited by shares

Company Sub-category Non - Government Company

Class of Company Private

Authorised Capital 1000000

Paid up Capital 500000

Date of Incorporation 29.09.2017

Registered Address 90 Gagan-Vihar Extn., New Delhi , East Delhi, DL

110051, India
Email ID [email protected]

Whether listed or not Unlisted

ACTIVE Compliance ACTIVE compliant

Date of last AGM 30.11.2021

Date of last Balance 31.03.2021

Sheet
Company Status Active

They
We thrive to provide best wealth management advice through
honest financial solutions as well as inspire the candidates to
explore job opportunities across various industrial sector.
e thrive to provide best wealth management advice through honest
financial solutions as well as inspire the candidates to explo
 r DETAILED STUDY OF THE
ORGANIZATION

Accrual Intelligence Manual Group Private Limited is one the the leading
organizations for the wealth management sector in India and abroad.
They also work as a consultancy firm and provide recruitment opportunities to
many talented young people who are looking for work opportunities and
experience .

AIM INDIA is a successful conglomerate with various financial advisor

experts in their panels . they team consists of professionals working day and
night to provide service related solutions to their clients .
Their principle and aim is to deliver high rate of returns to their prospective
customers and clients through their vast network of government sector bank in
India . Furthermore , Their main objective is to provide the customers with
the most finest and apt solution for directing their finances in the most
profitable direction and helping the clients to achieve financial independence .

They are an Indian based firm providing clients and customers with wealth
management advisors and corporate service providers who provide service's
such as financial assistance , compliance , accounting services to all their
clients

Aim India believes in a positive and dynamic culture for the organization .
their goal is to lend a hand and give assistance to all the individuals dealing
with the ebullience and dynamic nature of the environment whether it is
affiliated top wealth or evolution of business. Aim India is one of the most
significant advisory in India and abroad. They provide training and
development programs with an exclusive team of corporate advisors and
professionals in India and overseas.
 COMPANY OVERVIEW

 Clients
As one of the most prominent leading organization in a wealth management
sector , they serve more than 1500 clients all over the world providing one
step solution for all the investment and finance related services

 Interns
AIM INDIA provides training to over 1350 interns and helps them in
developing their talent by recruiting them , they provide them with corporate
exposure which greatly benefits the employees. Furthermore they provide the
interns with international exposure as well.

 Compliance
As one of he leading organization, they handle 100% compliance issues per
annum.

 PAN India Associates

They have a over 50 associates all over india and provide quality services to
all its customers

 Recruitment
Aim India is a talent acquisition firm as well , works as a matchmaker for
talent and job opportunities in india as well as abroad.

 Regional Presence
 IDENTITY AND COMMITMENT

 OUR IDENTITY

Aim India identifies themselves as a leading provider of professional wealth

advisory domestically and internationally . they deliver one top solution to
their customers to achieve financial independence.

Their main purpose is to deliver high returns to their customers through

their boundless network of government sector banks in India.

Furthermore their comprehensive wealth governance is a top level

professional service that integrates financial and investment advice in
accounting, taxation services and retirement planning.

AIM INDIA wealth management is noticeably more than just investment

advice as they encompass all the parts of an individual's financial life.

They coordinate all the services which are required to manage client's money
and plan for their own and family's current and future needs.
Also they help the customers in maintaining and increasing the wealth of the
individuals based on their goals, financial situation and comfort level based
on the level of risk involves or acceptable by the customers.
 OUR COMMITMENT TO YOU

The team of AIM INDIA provides persistent and ongoing foundation for the
investments done by the clients .

They also offer support and financial assistance to the customers once the
investment Successfully done .

The team updates the customers about the changes that might affect the
customers directly or indirectly and shares them strategies on maximizing the
productivity and profitability of the investment

MISSION AND VISION

 Mission

AIM INDIA thrives to provide best advisory and assistance related to wealth
management to all their clients all around India and globally.
Their goal is to become a knowledge centric organization who provide
financial assistance and expert advice in wealth management to their clients .

Their aim is to serve the clients with a fitting and apt solution for directing
their finances in the most profitable and productive direction and assist the
customers in becoming financially independent .

 Vision
Their vision to provide high rate of returns to their customers which will be
beneficial for the customers in the long run .

They aspire to become a trustable brand worldwide.

They also wish to change the perception of customers regarding the traditional
investment making it a diversified investment

They want to create a environment where more clients can be effectively

helped by quality advisors and experts offering comprehensive financial
planning and adhering to fiduciary standards.

BUSINESS ACTIVITIES CARRIED OUT IN

THE ORGANIZATION

Accrual Intelligence Manuals India Private Limited is a major organization in

Community, personal & Social Services business .
Being a leading conglomerate in the wealth management industry, the
organization provide ample number of services to their clients .
They offer various services to their customers . they also offer support in
financial planning and give counselling to their clients to achieve financial
independence .

 Internship Services

AIM provides internship to a lot of students on domestic and international

level.These internships helps students in their respective careers , they allow
them to explore and develop as a corporate individual.

Aim have a team of experienced experts and professionals who provide

training to the interns .They do tie up with various educational institution and
give them opportunities to join the organization and work for them
.
Their training also includes guiding and training the clients in the field of
wealth management.Their training include in debt knowledge about the
company as well as their profiles which will allow the interns to work more
efficiently in their profiles .

 Compliance Services

The goal of this service is to reduce the company’s burden by outsourcing

compliance management tasks . AIM INDIA has a team of compliance
experts who have in-depth knowledge about the corporate compliance .

AIM India proves themselves as a valuable partner for the organizations

having intra-regional operations offering them compliance solutions.
They mainly focus on the core activities and provide services such as working
on the constitution of the company, meetings with the company officers ,
maintaining statutory books and registrars for the company along with
statutory reporting and annual filings with the registrar.

 Accounting Services

Accounting is one the core task in any organization and requires expertise and
experience in the field. AIM INDIA are committed to provide customized
accounting assistance to their clients.

They provides their clients with cost effective accounting services all over
India and more.their proficiency in handling accounting problems will
empower the enterprise to reach far . some of the accounting services
provided by AIM include : Accounting and Bookkeeping for the enterprises ,
bank account reconciliation , payroll and expense claim management services
for the clients along with statutory reporting and corporate tax compliance .

They have an edge over their competitors by providing exceptionally

productive and profitable accounting service to their clients along with
experienced professionals to guide their clients in the right direction.
 Taxation Services

Tax management itself is a very dynamic and complex in nature . AIM

INDIA as a leading financial advisory firm provide tax related services to
their clients.

Tax systems vary widely among nations, and it is important for individuals
and corporations to carefully study tax laws before earning income or doing
business there.

AIM INDIA consists of a team of professionals who efficiently guides there

clients towards profitable taxation planning , they also give insights on
taxation laws and help the customers to manage their tax regime for their
perspective businesses.

They provide several tax services such as :corporate income tax returns, VAT
returns, indirect tax service, withholding tax,tax optimization,transfer pricing
and tax advisory in M&A cross border investment, tax disputes etc.

 Training and Development Services

Training and development is one the core activities for any organization.
Training the employees in the right direction helps the company in the long
run.They are basically educational initiatives taken by the organization that
helps in improving the job performance of the employees. They also work as
a motivating factor for the existing employees to uplift their skills and work
more diligently.

AIM INDIA helps in developing a training strategy for the development of

the employees and the organization.They also make sure to analyze in which
field training is required and why.It helps in conducting an internal audit to
locate general areas which may benefit from training programs .
 Recruitment Services

Finding the right individuals for the right job is also very essential for any
organization which is why recruitment plays a crucial role in any
organization.
It can be either done by sourcing , promoting , transfer or finding brand new
talents via the selection process.

At AIM , one will find a network of efficient professional who will guide the
clients to a pathway of opportunities starting with seamless recruitment
services to handling and identifying the potential clients .
help in cond

AIM INDIA considers employees to be the the backbone of their organization

which is why they help their clients in recruitment planning . Not only this but
they assist their clients in internal and external job analysis. On top of all of
this AIM provide many services to their clients and their knowledgeable
experts guide their clients in recruitment related matters .

They also provide counselling to their clients on various matters such as :

candidate Research , Profiling, Interview Coordination , Immigration ,
Advisory service and employment contract .
D

 Consulting Services

Consultants usually share their expertise and knowledge to help clients

accomplish their objectives and solve problems .consultants provide many
services to their clients such as counselling , advisory or implementation
service, financial assistance etc.

AIM INDIA has a wide team of consultants and professionals that provides
due diligence to various businesses .They also help their clients in identifying
the effective way of working gaining superiority over the customers without
taking risk .

They offer services such as :operations ,investment assistance,new market

analysis, corporate development & finance , people, management ,technology
and Grant assistance .
 Insurance Services

Investment of any kind is always subjected to risk but insurance is once such
investment that does not allow any such risk . there are many different types
of insurance available to serve different individual as per their needs and
wants .Insurance is all about future planning and secure yourself and family as
an individual .

AIM being a firm who deals with financial advisory also works in insurance
sector and has tie ups with various public sector bank , They provide
insurance services to their customers . Aim has a group of professionals who
comprehensively guides their clients and share the pros and cons on investing
in insurance . the professional will also assist the clients in minimizing the
expenses on risks by providing the services to reduce claims .

They provide many more services such as : trade & credit risk, political risk,
risk assessment , coverage, risk management , financial risk, professional
insurance, financial assistance , counselling and corporate insurance .

 Mutual Funds

Over the years Mutual Funds has proven to be a beneficial investment options
for potential investors . although they are subjected to market risk they still
provide customers with good returns at the end . many investors think that
instead of investing all money in a single company is a waste and mutual
funds allows them to invest in different securities and minimizes the clients
portfolio risk

Aim provide counseling to their clients and helps them to choose their
investment options in mutual funds. They have a team of professionals
backing them up and provide them information that a investor must know
before investing in any such option.Aim prove updates regarding mutual
funds so that the clients can choose the best option available for them .
 Retirement Planning

Retirement planning allows the individuals to plan for their future . they help
in financial planning . the financial strategies of saving , investments and
saving money to sustain oneself after retirement turns out to be very important
skill in today's world .

Apart from the insurance , Aim also provides their customers with retirement
planning options to secure their future. They hep to plan the after retirement
options at a early stage .

 International Expansion Services

International expansion services helps in expanding the business in th

worldwide market . it mostly comprises for entry into the foreign market and
services provided to them for expanding the business oversea.
They help in identifying various opportunities for revenue generation as well
as creating a brand globally .

AIM is one such company who has its operation worldwide . they also take
take their clients to various international convention to increase their scope for
expansion . they also hep their client by taking them abroad and building them
as a brand .

 Wealth Advisory Services

AIM is a wealth management organization and their main work is dealing in

the wealth management sectors and provides various services to their clients .

They have a group of wealth managers and advisors who are professionally
trained and they assist the clients in making wealth based decisions .there are
financial planners , financial advisors , strategic wealth professionals and
financial consultants who help the clients and assist them . they help the
clients in increasing their income , wealth and helps them to grow financially.
 DOMAINS
AIM India mainly focuses on three profiles , which are Portfolio Management
,HR Consultancy and Compliance Services.

 Portfolio Management

Portfolio Management helps in the selection , prioritization and control over

an organization in line with its objectives . It simply refers to managing ones
investment so that the individual can achieve maximum profit from that
particular investment . the portfolio manager helps the clients in investing in
the best apt financial option on behalf of the owner of the investment
AIM tie ups with several national banks to provide best solution to clients
for investing , they also provide financial assistance to the clients to choose
the best alternative for their investment .
They also provide assistance in real estates and RD's. and provide recruitment
opportunity many freshers.

 HR Consultancy

As we all know that human resource is the backbone of every organization.

HR Consultancy ensures that an organization’s human capital serves the best
interest for the organization . they deal with the recruitment services and also
helps in managing the human resource for the company .

Human resource consultants helps in reducing the cost of hiring individual

employees and resource to train and develop them ,which is why finding the
right individual is very essential for the organization.

AIM works as an outsourcing firm who provide HR consultants to their

clients . They have tie up with several MNC’s and colleges which allows
them to generate more human capital for their clients . They work with big
educational institution across pan India and recruit them .They acts as a
mediator between the job seeker and job providers.

 Compliance Services

Compliance services are carried out to ensure that the business is running
smoothly . the services helps the clients to be updated about all the recent
trend in the compliance and financial sector . they also helps in monitoring the
industry change and provide legal assistance to companies .

AIM India helps the clients in completing their documentation , GST filling .
not only this but they also do the taxation for their clients and provide
financial assistance to them.
Aim India also helps small businesses to set up in abroad and develop a
global image .They assist the clients in all the financial related activities as
well.

WORK CULTURE AT AIM INDIA

A healthy work culture is very importance for any organization . It shapes the
ideals and goals of the company and helps in achieving that goal.

A happy and caring workplace is more successful and accomplished a

compared to an unhappy workplace and this have been proven over time and
again. It brings positivity in the organization and boosts the morale of the
employees . Not only this but a positive organization culture will surely
increase productivity and efficiency in the business. It will also motivate the
employees to do better and improve team work among the workers.

Accrual Intelligence Manual India private limited is a dynamic organization

where individuals from different culture and origins come together and work
for the betterment of the organization and their individual growth.

The organization thrives to bring better opportunities for their employees . the
company seldom provide activities to their employees like trips and
convention to relish and enjoy their work.
They also participate in various fun activities and social events to engage their
employees .

Aim India Pvt. Ltd. Has a very employee friendly work culture . they provide
opportunity to each and every employee to share their ideas and thinking with
the management .

The senior management encourages their juniors and there is mutual respect
for each and every individual working in the organization.
They strongly believe that work life balance is necessary for any individual
and allows them to follow the same .

SWOT ANALYSIS
SWOT Analysis is helpful in finding the four main pillars of any organization
. they are strength , weakness, opportunity and threats of the organization . It
helps you to analyze the company based on these four aspects and allows the
organization to devise a successful strategy for the future.

STRENGTH
 Corporate Collaborations
 Global Presence
 Business Growth
 Rise in Per Capita Income
 Emerging Middle Income Group
 Experience
 Competence & Capabilities
 Quality Resources
 Wide Network

WEAKNESS
 Dominance of Public sector
 Less Promotion
 Market Awareness
 Financial issues

OPPURTUNITIES
 Rise in income
 Rise in awareness
 Future growth
 Stronger Demand
 New Trends & Products
 Innovation
 Diversification
 Cross Selling

THREATS
 Economic Crisis
 Entry of New NBFC’s in the sector
 Varying Government Policies
 Emerging Competitors

ORGANIZATIONAL STRUCTURE
AIM INDIA follows a very traditional organization structure . they keep it
simple yet dynamic. The organization has been structured with centralized
leadership .They follow a very direct and effective chain of command which
allows them to work efficiently.

AIM follows the functional structure for their organization .

The director Mr. Himalya Sethi himself heads the company and oversees the
operations of the organization . He is also one of the the Co-founders and
owner of the organization.
Apart from them we have two more director. Mr. Kamlesh Sethi ( Co-
founder) and Chetna Gumber who manages the overall organization .

Below them are the managers who direct the operations and takes care of the
overall management .Each department has their own manger who controls and
manages that particular department for the organization .

The sales department is headed by the corporate sales manger , the HR area
manger leads the Hr department and the admin manger oversees the
administration department . The organization also has business development
mangers who are responsible for getting business for the organization.
All these manager coordinate with one another to get the best results for the
firm . The mangers have a team of associates and interns who does all the
lower management work as instructed by the managers .

MARKETING MIX
Marketing Mix covers all the aspects of a comprehensive marketing plan for
any organization.They are often classified as 4 P’s of Marketing, i .e
Product , Price, Place and Promotion.

All the elements of the marketing mix work together and coordinate with one
another. Not only They helps the customers to better understand about the
product and services offered by the organization but they also allow the
organization to develop a successful product offering to their clients.

Aim India provides a variety of products and services to their clients . they
also have a diversified marketing mix strategy for their clients . they broadly
focus on the product quality , the service , price strategy and promotion &
advertisement . marketing and sales mangers then use this mix to satisfy their
target consumers.

 Product

Product mix broadly covers all the aspects associated with the product name
such as variety, quality,brand name,features and design.
Aim India represents their items or services which they call products . they
offer a wide variety of products and services to their clients .
Since they are a wealth management firm , their main product is to sell
insurances and investment option.
They are a major service provider to their clients . they provide various
beneficial services to their clients such as : insurance service, training &
development service,taxation service, accounting service etc.

 Price

Price mix broadly covers all aspects of the product related to the price strategy
such as list prices, discounts,payment period and credit terms.
Aim is a financial firm who offer numerous finance related products and
services where they list the prices suitable for their clients .
Their products provide a lot of benefit to their clients and huge amount of
returns on their investment.they follow a comprehensive pricing strategy for
their clients.

 Place
Place mix broadly focus on the location aspects of the products such as
channels, coverage , transportation, location and logistics .
Aim is a service provide all across India and abroad . they have their regional
presence in New Delhi, Bengaluru, Mumbai, Pune, Hyderabad ,and Gurugram
. they are also in connect with international clients and offer their services
their as well.

 Promotion

Promotion includes elements such as advertisements, promotion, personal

setting,sales promotion and public relation.
Aim India promotional strategies are very unique and that is what makes them
different from their competitors . they are true to their clients and there is
100% transparency .

FINANCIAL ANALYSIS
Financial Analysis allows an organization to evaluate their business in such a
way that they can analyse the projects , budgets and other financial
transactions for the company to determine their performance and profitability.
They help to measure the earning capacity of the organization. Not only this
but they are used to measure solvency and financial strength of the company.

Financial analysis allows the organization to make comparative study with

other firms and helps in measuring the capability of payment of interest and
dividend . They also helps the organization in analyzing the trends of the
business and judge the efficiency of the management. Financial analysis is
done with the help of comparative statements such as balance sheet and
statement of profit & loss.

Accrual Intelligence Manual Group Private Limited is a Delhi based private

limited company who deals in wealth management sector. They are one of the
Major corporate service provider in India. The company is based in a state of
null .They work majorly in Community, personal & Social Services business
and currently, company operations are active. The company as per the official
records deems to be listed under #other activities. It is a duly registered
company .

They are a major MCA provider company with the industrial NIC code
which is 93000 officially .as per the official records, the company’s
registration number is 324336. The Corporate identification number for the
organization as per records is UP3000DL2017PTC324336 and ROC code for
the company is RoC-Delhi.

AIM is a private limited company and is classified as ‘Company Limited By

Shares’. they have authorized capital of about Rs. 10,00,000.
Their paid-up capital stands at Rs. 5,00,000 which is 50%.
AIM was incorporated on 29 September 2017 .

As per the official Records , Company is registered in Delhi Registrar Office.

Accrual Intelligence Manuals India Private Limited registered address is 90
Gagan Vihar EXTN New Delhi East Delhi-110051.

The financial reports of Accrual Intelligence Manual Group Private Limited

 include financial balance sheet, profit and loss account ,ratio analysis,
management details such as directors & key persons of the company,
shareholding & group structure details, mortgages and charges.

As per the official record , The last reported Annual General meeting of
Accrual Intelligence Manual Group Private Limited was held on November
30 2021.the last balance sheet and statement of profit & loss was published
for the period ending on 31 march 2021.

Here is a brief synopsis of financial information on Accrual Intelligence

Manual Group Private Limited for the financial year ending on 31 March,
2021.

 Revenue / turnover of Accrual Intelligence Manual Group Private Limited

is Under INR 1 CR
 Net worth of the company has increased by 34.42%
 EBITDA of the company has increased by 122.80 %
 Total assets of the company has increased by 83.84 %
 Liabilities of the company has decreased by -97..72%

Operating Revenue Under INR 1 Crore

Fixed Assets Decreased by - 45.53%
Current Assets Increased by 158.23%
Total Assets Increased by 83.84%
Current Liabilities Decreased by - 97.72%
Trade Payables Decreased by - 100%
Current Ratio 47.60
Debt / Equity Ratio -5.20
Net worth Increased by 34.42%
EBITDA Increased by 122.80%

BALANCE SHEET
 Accrual Intelligence Manual Group Private Limited
Balance sheet as on 31st March 2021 and 2020

Liabilities 31/03/2021 31/03/2020 Assets 31/03/2021 31/03/2020

(In INR) (In INR) (In INR) (In INR)
Shareholder’s Fund Non-Current
Assets
Share Capital 500000 500000 Fixed assets 45712 83916
Reserve and Surplus -902250 -113332 Non current 0 0
Money received 0 0 investments
against share warrants Deferred tax assets 313915 194013
Long term loans & 205500 205500
advances
Other non-current 0
assets 0
Share application 0 0
money pending
allotment
Non-Current Liabilities Current Assets

Long term borrowings 2067059 495754 Current 0 0

Deferred tax liabilities 0 0 Investments
Other long term liabilities 0 0 Inventories 0 0
Long term provisions 0 0 Trade receivable 468630 0
Cash & cash 424995
equivalents 654652
Short term loans & 10000
advances 0
Other current 0 0
assets
Current Liabilities

Short term borrowings 0 0

Trade payables 0 1345
Other current liabilities 23600 1034657
Short term provisions 0 0
TOTAL 1688409 918424 TOTAL 1688409 918424

STATEMENT OF PROFIT & LOSS

Accrual Intelligence Manual Group Private Limited
 Income statement for the year ended 31 March 2021and 2020
Particulars 31/03/2021 31/03/2020
( In INR) (In INR)
Revenue from operations
Domestic Turnover 990000 763000
Export turnover 0 0

Other Income 0 0
Total Revenue 990000 763000
Expenses
Cost of material consumed 0 0
Purchase of stock in trade 0 0
Changes in inventories of
-finished goods 0 0
-work in progress 0 0
-stock in trade 0 0
Employee benefit expense 620050 899800
Managerial remuneration 0 0
Payment to auditors 23600 20000
Insurance expenses 0 0
Power and fuel 0 0
Finance cost 0 0
Depreciation & Amortization expense 38204 70073
Other expenses 216966 410736
Total expenses 898820 1400609
Profit before exceptional & extraordinary items 91180 -1400609
and tax
Exceptional items 0 0
Profit before extraordinary items and tax 91180 -1400609
Extraordinary items 0 0
Profit before tax 91180
Tax Expense

Current tax 0 0
Deferred tax -11902 -127390

Profit (Loss) for the period from continuing 211082 127390

operations

Profit / (Loss) for the period from discontinuing 0 0

operations
Tax expense of discontinuing operations 0 0
Tax expense of discontinuing operations (after 0 0
tax)
Profit / (Loss) 211082 127390
Earnings as per equity share before
extraordinary items
Basic 4.22 -10.2
Diluted 4.22 -10.2
Earnings as per equity share after extraordinary
items
Basic 0 0
Diluted 0 0

As far as Financial statement are concerned. The company still stands in profit
. Although it did suffer a drop due to covid but after covid period proved to
be beneficial for the company . the company has experience immense growth
and got back to their original status .

Accrual Intelligence Manual Group Private Limited has been receiving profits
over the last few years and its performance has been top notch even in 2022.

As per the balance sheet , the assets of the company for the year 2020 were
worth Rs. 9,18,424 and assets for the year 2021 were worth Rs. 16,88,409.
the liabilities of the company for the year 2020 were worth Rs. 9,18,424 and
liabilities for the year 2021 were worth Rs. 16,88,409. the assets are equal to
the liabilities in the balance sheet which means no error mistake has been
made in the financial statements .

As per the statement of profit & loss , the company stands profitable in every
manner and has no losses for the year 2021 and 2020
The total revenue for the organization for the year 2021 and 2020 were Rs.
9,90,000 and Rs. 7,63,000 Respectively and the total expenses for the
organization for the year 2021 was Rs. 8,98,820 . .
The profit of the organization for the year 2020 stands at Rs. 1,27,390 and the
profit for the year 2021 stands at Rs. 2,11,082 which clearly shows their
growth and performance .

RATIO ANALYSIS

Ratio analysis is an important financial analysis technique which allows us to

gain insights into a company’s liquidity,profitability and operational
efficiency by analyzing the financial statement of the organization.

Financial Ratios helps the company in simplification of accounting data and

accommodating in comparative study. They also help in locating the
weakness of the business by analyzing the financial statements.
Not only this but they are also useful in forecasting and estimating the trends
of the business.

The degree to which the business relies on financing its objectives and the
ability to repay the debt are measured using liquidity proportions and capital
designs.
RATIO ANALYSIS :-

Liquidity Ratios
This ratio helps to understand the ability of the firm to meet its current
liabilities

 Current Ratio or Working Capital Ratio

This ratio explains the relationship between current assets and current
liabilities of a business. This ratio is used to assess the firm’s ability to meet
its short term liabilities.

Current Ratio = Current Assets / Current Liabilities

Current Ratio = 1,123,282 / 23600
= 47.60

 Quick Ratio or Acid Test Ratio

This ratio indicates whether the firm is in a position to pay its current
liabilities within a month or immediately

Quick Ratio = Liquid Assets / Current Liabilities

Quick Ratio = 1,123,282 / 23600
= 47.60

Solvency Ratio
These ratios are calculated to asses the ability of the firm to meet its long
term liabilities .

 Debt Equity Ratio

This Ratio expresses relationship between long term debts and shareholder’s
funds.This ratio is calculated to asses the ability of the firm to meet its long
term liabilities.

Debt Equity Ratio = Debt / Equity or Long term debts / Shareholder’s funds
or net worth
Debt Equity Ratio = 5.20

 Total Assets to Debt Ratio

This ratio expresses the relationship between the total assets and the long term
debts. It measures the extent to which long term debts are covered by assets
which indicates the margin of safety available to providers of long term loans.

Total Assets to Debt Ratio = Total Assets / Debts

Total Assets to Debt Ratio = 1.24

Turnover Ratios
These ratios indicates the speed or number of times the capital employed has
been rotated in the process of doing business.

 Total Assets Turnover Ratio

This ratio is used to measure the efficiency with which a company is utilizing
its assets to generate revenue.

Total Assets Turnover Ratio = Net Sales / Average Total Assets

Total Assets Turnover Ratio = 0.59

 Fixed Assets Turnover Ratio

This ratio helps us in understanding how efficient a organization is in sales
generation from its existing fixed assets .

Fixed Assets Turnover Ratio = Net Sales / Average Total Assets

Fixed Assets Turnover Ratio = 21.66

Profitability Ratio
These ratios are used to measure the profitability of the business.

 Net Margin Ratio

This ratio helps expresses the profit from business operations as a percentage
of net sales .

Net Margin Ratio = Revenue - Cost / Revenue

Net Margin Ratio = 21.32

 Gross Margin Ratio

This ratio compares the gross margin of the organization to the revenue of the
company.
Gross Margin Ratio = 100.00

 Return of Fixed Assets Ratio

This ratio helps the investors in understanding how effective the company is
in converting the money it invests into net income

Return of Fixed Assets Ratio = Net Revenue / Average Total Assets

Return of Fixed Assets Ratio = 21.66

 Return on Capital Employed Ratio

This ratio assesses the company’s profitability and capital efficiency.

Return on Capital Employed Ratio = Operating Earnings / Capital Employed

Return on Capital Employed Ratio = 18.43

Financial Ratios Of The Organization

Accrual Intelligence Manual Group Private Limited

Financial Ratios as on 31 March 2021

Ratios 31 March 2021

Total Debt / Equity Ratio 5.20
Total Debt / Total Assets Ratio 1.24
Quick Ratio 47.60
Current Ratio 47.60
Gross Margin 100.00
Net Margin 21.32
EBITDA Margin 13.07
Return On Fixed Assets 461.77
 Return On Capita Employed 18.43
Total Asset Turnover 0.59
Fixed Asset Turnover 21.66
Days Receivable Outstanding 172.00

PROJECT DESCRIPTION

Accrual Intelligence Manual Group Private Limited is a leading organizations

wealth management firm in India and abroad.

Their aim is to deliver high rate of returns to their prospective customers and
clients through their vast network of government sector bank in India .

The project was allotted based on the specializations which we chose i.e
marketing and finance .

we were supposed to bring leads for our product and handle all marketing
related activities for it. We were responsible for handling the entire sale
process and once the product was sold to the customers we were supposed to
handle the financial activities related to that product and handle customer -
firm relationship along the way .

We were supposed to pitch our product to potential investors and

present them a good investment option. Also we were supposed to perform

and manage all acclivities related to selling the product .

Market research and in depth knowledge of the product was a crucial factor
in this project

we worked on various domains of finance in the organization , we were

responsible for all the finance related services associated with selling the
product and firm wise .

The two products which we were supposed to sell to the potential customers
were:
1. Bank Of Baroda India First Life Mahajeevan Plus Plan
2. Bank Of Baroda India First Life Guaranteed Benefit Product

Both the products are real and valid products provided by Bank of Baroda.
Their life insurance is also called India first life. It is a secured and risk free
investment option for potential customers. The target audience for our product
were customers who are looking for safe and secured investment option.

OBJECTIVES OF THE PROJECT

 An insight of the Corporate World.

 Awareness and better knowledge about the Business and Management

Principles.
 Acquisition of Managerial skills and Leadership qualities to meet up the
corporate demands.

 Enhancement of Self-Esteem.

 Total Personality Development.

 Development in team building and group cohesiveness.

 Helps to vigour their strengths & overcome their weaknesses.

 Ability to multitask.

 Updates about the latest Market trends.

PRODUCTS

Bank Of Baroda India First Life Mahajeevan Plus Plan

It is a insurance option provided by Bank of Baroda . this insurance plan is an

investment bond with component of life cover. Mahajeevan Plus Plan is a non
linked investment option with individual limit pay and money back
endowment life insurance plan.

This insurance plan will surely ensure safe and secured investment.This help
the customers in keeping aligned cash flow along with the customers future
financial needs.

The policy is designed to ensure a long-term safety net by paying duration

shorter than your policy term.This policy not only provides a shorter pay
commitment of 12 years but also keeps the customer protected for a long term
of 15 years . Mahajeevan Plus Plan will also take care of the liquidity needs of
the clients through multiple money backs during the policy term.

This insurance plan ensures a continued life cover premium; through the Life
Cover Continuance (applicable after you have paid two full years’
premiums) for a year.

In this insurance plan ,the proposer is supposed to pay the premium paying
tenure for 12 years and he get the premium amount on maturity after 15 years
with 8% fixed compound interest per annum on premium.The policy shall be
eligible for Simple Reversionary Bonus and Terminal Bonus,

The clients are to receive the Guaranteed Sum Assured on maturity PLUS
accrued Simple Reversionary Bonus.The Minimum amount for this
investment remain Rs. 30,000 and maximum is no limit

The clients are also to receive periodic money back in this policy. they will
receive these payouts of 103% of the annualized Premium at the end of 3rd,
7th and 11th policy year during the policy term.

Bank Of Baroda India First Life Guaranteed Benefit Product

It is a insurance option provided by Bank of Baroda . this insurance plan is an

investment bond with component of life cover.
Guaranteed Benefit Product plan is a non linked investment option with
limited premium and endowment life insurance plan.

This insurance plan is little different from the Mahajeevan Plus Plan as the
premium paying tenure here can be 5,6 or 7 years as per the requirement of
the customer but the maturity period of the investment remains 15 years . also
this plan does not have the liquidity option but a great short term investment
option. The minimum amount which can be invested under this investment
option stands at Rs. 52,250.

This investment option will help you Accomplish your future goals and chose
from income benefit or lumpsum benefit option as per the needs of the
customers.

Guaranteed Benefit Product plan allows the customers to choose from 4

varied options under the Income Benefit option and receive Monthly
Income, Annual Income as well as Maturity at the end of the policy term.

With this plan the customers can Continue to enjoy life cover benefit for one
full year even if you miss to pay one premium (applicable after you
Have paid two full years’ premiums) . Also Tax benefit may be available on
the premiums paid and benefits received as per prevailing tax laws.

The customers are receive the Guaranteed Sum Assured on maturity, at the
end of the policy term as the maturity benefit in the policy.

FEATURES OF THE PRODUCTS

 Product

Bank of Baroda traditional category savings plan :

3. Bank Of Baroda India First Life Mahajeevan Plus Plan
4. Bank Of Baroda India First Life Guaranteed Benefit Product
 Product Category

Investment Bond with component of life cover

 Brand Name

Bank Of Baroda

 Tenure of the Investment

For Bank Of Baroda India First Life Mahajeevan Plus Plan, the maturity
tenure is 15 years and premium paying tenure can be 9 or 10 or 12 years as
per the requirement of the client.

For Bank Of Baroda India First Life Guaranteed Benefit Product, the maturity
tenure is again 15 years but the premium paying tenure can be 5 or 6 or 7 year
as per the requirement of the client .

 Returns

Fixed 8% compound interest per annum on premium ..

Extra returns such as Revisionary bonus and terminal bonus also included.

Revisionary Bonus - Minimum 2% compound interest per annum on

premium.
Terminal Bonus - Minimum 30% of life cover amount at the time of maturity.

 Life Cover

10 times the amount of annual premium

 Liquidity Option

Bank Of Baroda India First Life Mahajeevan Plus Plan does have a liquidity
option but Bank Of Baroda India First Life Guaranteed Benefit Product does
not provide any liquidity option to their customers.

The Liquidity option provide following benefits to the customers:

Surrender Option - Termination of the investment but with penalty.

Assignment Option - Transferring the ownership and can withdraw without

penalty.But there is a lock in period of 5 years after which the company will
help the client in transferring the ownership of the investment.

 Payback Feature

Customers can withdraw 103% of their annual premium in the 3 rd , 7th and 11th
year.

CATEGORIES AVAILABLE UDER THE

PRODUCT

All these categories are available to the customers after the maturity of the
investments fulfilling the requirements of all customers in one go.

1. Child Category
2. Youngster Category
3. Retirement Category

 Child Category
In this case , target audience are the parents . this category helps in
understanding parents expectations such as Health of the child , Education /
Graduation , Higher Education, Marriage planning and business planning.
All these expectations are fulfilled in one go by the child category option.
We can understand this category better with help of an example

Example : Lets say, Father’s age is 30 years, Mother’s age is 27 years and
child’s age is 3 years . the father wants to invest Rs. 1,00,000 per year for his
child .child will be the appointee and the mother will be the nominee.
Th father invested in our investment product and he invested Rs. 15,00,000 in
15 years and he was able to get Rs 29,32,420 as the maturity amount after 15
years along with policies .
This already proves that our product is the most flexible option for investment
as you have to pay only for 12 years but you are getting more amount than the
investment you did .after which you have two choices , either you can take the
whole money with you or you can reinvest your money under the child
category option.
According to child category option, lets say he took Rs. 5,00,000 from his
premium amount and reinvested the remaining Rs. 24,32,448. after 3 years of
graduation the investment in bank will be around Rs. 30,64,1558 +bonus.
Then the father again took Rs. 10,00,000 from his premium amount for
masters and he will reinvest the remaining amount again for 2 years.. after 2
years the premium will stand at Rs.30,07,633 + bonus.
This example clearly shows how the customers will benefit from this
investment option.

 Retirement Category
In this case , target audience are the people who are planning for their
retirement from the very start .

Example: lets say , a person’s age is 20 years and he wants to plan his
retirement for when he is 35 years old. So he did an investment in our product
. he invested Rs. 15,00,000 for 15 years until he is 35 years old . then his
maturity amount will be Rs. 29,32,420 + policies.
Three options will be available to his under the retirement category:
1. Either he can take the money and exit
2. He can opt for the pension option
3. Double the money option available

Under the retirement option , the customer can retain their amount with the
bank . they will give Rs. 21000 per month until the death or after death till the
time the customer wants. After that the remaining premium amount will be
paid to the customer.

In the double the money option , at the age of retirement the customer can
block their money for the next 10 years . after 10 years their money will
double up and be paid to them with the bonus amount.

 Youngster Category
-High Rate of return
-Tax Benefits
-Life security
-Bonus

CLIENT EXPECTATIONS MEETING THE

PRODUCT REQUIRMENT

 Product
Bank of Baroda traditional category savings plan

 Low Risk
FD low risk and fixed returns.
0 risk product with share market not linked .
 Fixed Returns
Compounding fixed return of 8% every year.

 Commitment
Delivery as per commitment.

 Flexibility
Flexibility of premium plans and premium paying tenure option.

 Inflation
Covers inflation rate with 8% returns , Bonuses: revisionary and terminal
bonus.

 Legality
Traditional category is regulated by RBI and IRDAI.
all legalities are followed by the product.

 Easy Liquidity
Maturity Period is of 15 years. The customers can come out of the investment
after 5 years if they wish to do so .
The assignment option with no charges ,and the customer can take 80% loan
out of the investment with civil score along with premature withdrawal option
with 2 year loan facility.

 Tax Benefits
All tax benefits are provide to the customers under section 80c and 80d.

 Safety and Security

Secure returns and life cover works as a sense of safety and security.

 Transparency
Bond copies and written proves are provide to each and every customer.
There is complete transparency with the clients and potential investors.
 TERMS OF LIFE INSURANCE

 Proposer

Proposer is the owner of the investment . he is the one who pays the premium
amount and enjoys all tax benefits.
Minimum age for the proposer is 18 years and maximum is no limit .

 Life Assured (LA)

Life Assured is the one whose life is being insured in the investment .
On the death of life assured only , the cover amount is given.
Minimum age of the life assured is 5 years and maximum age is 55 years .
 Nominee

Nominee is the one who gets all the money if the life assured has died .
No age limit for nominee.

 Appointee

Appointee is appointed when the nominee is a minor . In that case all the
money is given to the appointee .
The appointee takes care of the money but cannot use it .Once the nominee
turns adult , then all the money is given to the nominee. Minimum age of
appointee is 18 years and maximum is no limit.

CATEGORY OF LIFE INSURANCE

 Term Plan

No returns, huge life cover,no bonus and tax benefits given.

 Traditional Category

Fixed returns, bonuses given, fixed life cover and tax benefits given.
 ULIP (Unit Linked Incentive Plan)

Fluctuating returns , no bonus , no life cover except ELSS and no

tax benefits given.

TASKS CARRIED OUT DURING THE

PROJECT

Marketing profile

 Knowledge Of The Product

Having utmost knowledge about the product is very important in the

marketing profile ,only then you will be able to sell you product well.
This helps the sales representative in having complete understanding of the
product they are meant to sell.product knowledge is important to understand
the product features so the sales representative can have more meaningful
conversations with the clients than can help in developing potential
customers.

In AIM , we have deal in products such as real estate, insurance , medi-

claim,mutual funds, share market products, loans, corporate bonds & fixed
deposits .we offer services like portfolio management and many more .
Since these are investment products, product knowledge plays a crucial role in
sales pitch and lead generation.

 Sales Pitch

Sales pitch is also one of the crucial element in marketing . with the help of
perfect sales pitch we make the customers believe in the product .
It is a opportunity to show you prospective customers about what you product
can do for them and why should they show interest in that particular product.
Sales pitch fastens to sales process. A perfect sales pitch will include the USP
of the product as well as the pros of the product.

In AIM, we pitch our products to potential investors who are looking for
secured and risk free investment option . in our perspective sales pitcg , we
include all the aspects about our product . we also ask the customers about
their expectations from the investment and provide them with a suitable
investment option . our sales pitch includes dimension of each
product,positioning of the product in the market, setting clear launch goals ,
matching product capabilities to market needs, market research and
maximization of sales.

 Lead Generation

Lead Generation is all about getting people interested about your product and
bring business for your organization.this enables the potential investors to
gradually become paying customers of the organization. This element
includes customer inquiries as well as interest in products or services.

In AIM , Lead Generation is our main task in the project where we are
supposed to bring leads about potential customers to our organization. We are
supposed to convert these leads into our customers .

 Market Research
Market research is a pre - sales process were we research about the customer
behaviour , the competitors and the overall market environment before putting
out the product for sale .Pre - sales research lays the groundwork for the
efforts to succeed in the business.

In AIM, we are supposed to do research all about the product , the

competitors and the market before pitching to the clients .

 Customer Knowledge

Knowledge about the customer is very important before pitching the product
because only then you will be able to suggest the best product and solution to
client which will ensure more success of converting the lead into a paying
customer of the product or service .

In Aim, we are supposed to ask the expectation from the customer for the
investment , only then we are able to present them with the best investment
option.since we are a wealth management firm it is important to understand
the income of the customers because based on that only we can suggest the
investment and premium amount to them and advice them based on that .

 Sales Strategies

An effective sales strategy plays a very important role in the growth of the
business and in selling a product . it enables to plan for the future of the
business and asses the problems that might come in the future.
This also allows us to manage different approaches across the organization.
Sales strategies outlines how sales and marketing will work out the efforts to
achieve to goals and objectives of the business.

Aim has a team of skilled employees who creates sales strategies for the
business to grow . and we are supposed to follow these strategies to grow
more and get successful and accomplished results.
Sales strategies include sales pitch , call to action , demonstration , role play ,
meeting the customer requirements , sales activities , leads generation ,
Closing of sales and customer satisfaction.

 On The Job Training

On the job training helps interns like me to adequately work in all profiles and
gain experience on all domains of marketing in one go .

In Aim , on the job training include task sch as lead generation , selling of
product , meeting with existing clients , fresh sales for the company , revenue
generation , profit maximization , handling walk in clients and maintaining
relationships with the clients .

Finance Profile

 Financial Research

Financial research is used to understand not only the financial position of the
company or the organization one is working for but it also help in better
analyzing the problems and finding the best solution for the problem.
It helps in determining the profitability and efficiency .
A perfect financial research allows to deliver quality products to the clients
and provide input for venture analyst.

While working in AIM , we were supposed to do a thorough research in all

aspects of the business . Since our company is major financial advisor and a
consultancy firm , financial research plays a crucial role in our organization .
we must know the in and out about the financial situation of the product.
only then we will be able to provide the best quality products and the most
apt solution to our clients and give them financial independence .

 Taxation

Income are levied on every citizen of the country.this helps to generate

revenue for the nation .failure in paying taxes may result in heavy penalties
from the government . it also a major factor if you wants to take loans or
want to enjoy services from the government . Filing the taxes ethically while
regulating the rules and also enjoying exemptions and benefits that the
government provides to its citizen is very important.

In Aim , we work for our clients and provide major taxation services to
them . we help them claim benefits by advising them to make investments
under section 80c and section 80d so they can get tax exemption of upto Rs.
1,50,000.we also do taxation for our clients and investors. Not only this but
we also provide financial analysis and turnover balance sheet to our clients .

 Financial sector

While working for Aim INDIA, we were supposed to have knowledge about
the financial sector and the investments that one can invest in .
We must know about all the financial sectors available in India along with
their pros and cons .Not only this but financial awareness is a must here.
We must know about the BSFI sector and career planning in BSFI sector .

 Classifying your marketing activities

In Aim India, we were supposed to do FSA analysis along with ratio analysis
for our clients . we used to prepare budgets for our clients . we were
responsible for managing all the records and receipts.
We are a wealth management firm which is why recording transactions along
with preparing financial statements comes natural to us .
All the documentation work for selling the products is handled by the finance
team.

SALES PROCESS SUMMARY AT AIM

INDIA

Accrual Intelligence Manual Group Private Limited Follows a 5 step sales

process which is follows
STEP 1 - Fixing appointment with the potential customers.

STEP 2 - Meetings with the potential customers

STEP 3 - Follow up through calls and more meetings with the

customers as per their requirements.

STEP 4 - closing the deal and getting cheque from the customers.

STEP 5 - competing the documentation process and insurance bond

delivery to the customers address.

CONCLUSION
Accrual Intelligence Manual Group Private is an India based firm who wishes
to provide financial independence to all its customers and clients.

They also a talent acquisition partner and major experts in financial sector.

Its was a privilege to be able to work in such immense and diverse work force
. Aim India believes in a positive and dynamic culture for the organization .
their goal is to lend a hand and give assistance to all the individuals dealing
with the ebullience and dynamic nature of the environment whether it is
affiliated top wealth or evolution of business.

Further more Aim India provides ongoing support, and advice to all of its
clients even when the investment is completed . they will keep the clients
updated about various changes occurring in the regulations that may directly
affect the clients and shares the strategies to maximize the profitability,
efficiency and productivity in the investment .
they give the best investment options to potential investors . not only that
they also provide many services to their clients .

To conclude , this internship was a great and valuable experience for us and it
helped us in becoming better individuals.As someone with no prior work
experience , I was able to evaluate and prepare myself for the future.
AIM is one of those organizations who are working for a greater cause , they
working with interns like us and helping in training and developing them .

RECOMMENDATIONS

 Accrual Intelligence Manual Group Private Limited should ficus more on

extensive marketing . only then they will be able to face their competitors
and this will help them in gaining more and more customers.
 AIM India should use both online channels and offline channels to sell
their product and offer their services to the best of their ability .

 They must make sure to establish strong customer relationship their

clients .

 Since many potential customers does not have any awareness about AIM
India, there shall be more focus on promotion .

 They should upgrade their training and development wing and work more
closely with the training department to get better outputs.

 I would also like to suggest , that there must be daily meeting with the
interns to boost up their morale and also to understand the situation of
work performed by them.

 AIM can also collaborate with various big companies and help out their
clients for investment.

 They should also provide a online authentication portal for their existing
customers

LEARNING OUTCOME
This Internship importunity proved out to be the most valuable experience for
me . I was able to learn more and more as an individual and gained working
experience from this internship.I was able to explore all the domains and
understand the workings of all the profiles which will surely help in future.

I learned many thing during the tenure of my internship. I was able to gain
insights of the corporate world and understand the importance of
organizational goal. Most importantly I learned that when working in a
team ,there is no ‘I’ but only ‘We’.

I was able to boost up my self esteem and confidence with working with the
organization which benefited me a lot as an individual.
Patience was the key virtue which I was able to grasp after completing my
internship and did help in my overall personality development .
I was able to overcome my weaknesses and work on my strengths

Not only this but also I learned many aspects of my job profile such as
updates on market trends , Employee life cycle , different financial sectors ,
customer perception , situation handling , tax benefits , how to create
payrolls , customer retention skills , pitching a product to the customers ,
market scenario & insights , daily sales reports , taxation and many more.

REFERENCES
 https://www.aimincorp.com/

 https://economictimes.indiatimes.com/company/accrual-intelligence-
manuals-india-private-limited/U93000DL2017PTC324336

 https://www.instafinancials.com/company/accrual-intelligence-manuals-
india-private-limited/U93000DL2017PTC324336

 https://www.slideshare.net/anandsingh270697/analyzing-customer-
decision-making-process-in-insurance-services

 https://www.indiafirstlife.com/documents/311537/0/
Maha+Jeevan+Plan_Brochure+%281%29.pdf/b7cfc306-7f80-af71-dc08-
b0648763c67f?t=1594990769203