The document discusses various financial instruments including mutual funds, bonds, treasury bills, certificates of deposit, and shares. It provides definitions and marketing strategies for each instrument. For example, it explains that mutual funds allow small investors access to diversified portfolios managed by professionals and that companies promote their mutual fund products through certified agents, service centers, websites, print media, banks, and other distribution channels.

2. Group members Roll no.
Sameer jadhav 511
Priyanka limbachiya 512
Krishna mehta 513
Mudra mehta 515
Yash mehta 516
Richa modi 517
Tushar mota 518
Devanshi parekh 519
Dixita parmar 520

4. INTRODUCTION TO FINANCIAL
INSTRUMENTS
The written legal obligation of one party to
transfer something of value, usually money, to
another party at some future date.

5. MEANING OF FINANCIAL INSTRUMENTS
 Financial products are the products offered by
banks, credit card companies, insurance
companies, consumer finance companies, stock
brokerages, and some government sponsored
enterprises.
 Generally they involves every type of product where
consumer is putting his money and getting some
product which involves the complexities of risk,
return, volatility etc.
 There are many companies who are dealing directly
into the business of financial products.

6. DEFINITION OF FINANCIAL INSTRUMENTS
 Financial instruments are defined as any contracts that gives
rise to financial assets of one entity and financial liability or
equity instruments of other entity.
 A real or virtual document representing a legal agreement
involving some sort of monetary value.
 In today's financial marketplace, financial instruments can be
classified generally as equity based, representing ownership
of the asset, or debt based, representing a loan made by an
investor to the owner of the asset.

8. MARKETING OF BANKS
 PUBLIC RELATIONS
 SELLING PROMOTIONAL TOOLS
 INTERNAL MARKETING
 NETWORK MARKETING
 RELATIONSHIP MARKETING
 USE OF TECHNONOLY
 USE OF HR

9. SOME INNOVATIVE STRATEGIES
Put comedy routines into your on-hold
messages.
Put Easter eggs on your website.
Put some fun into your ATM receipts.

10.  Taking Mobile Bank Marketing Outside
 Gamify banking.
 Lost wallets.
 Make your recruitment ads fun.
 Use toy cars to sell auto loans.
 Creative News paper
advertisement.

11. MONEY MARKET
As money became a commodity, the money
market became a component of the financial
markets for assets involved in short term
borrowing, lending, buying and selling with
original maturities of one year or less.
Trading in the money market is done over the
counter and is wholesale.
Various instruments exist, such as Treasury
bills, Commercial paper, Certificate of
deposit, Bills of exchange, repurchase
agreements, etc.

12. TREASURY BILLS
 T-bills offer short term investment
opportunities, generally up to one year.
 They are useful in managing short term
liquidity.
 At present, the government of India issues
three types of treasury bills through
auctions, namely, 91-day, 182-day and 364-
day.
 There are no treasury bills issued by state
governments.

13. MARKETING STRATEGY- KNOWING
YOUR CUSTOMERS
 Understanding your customer
 Market research
 Customer segments
 How to measure up

14. MARKETING STRATEGY- MAKING A PLAN
 Marketing plan
 To talk to target customers
 Timing activities
 Measure progress regularly

15. MARKETING STRATEGIES OF
CERTIFICATE OF DEPOSITS

16. INTRODUCTION
 The certificates of deposit are basically time
deposits that are issued by the commercial
banks with maturity periods ranging from 3
months to five years. The return on the
certificate of deposit is higher than the
Treasury Bills because it assumes a higher
level of risk.

17. INVESTMENT STRATEGIES FOR
CERTIFICATE OF DEPOSIT
 Setting Up a CD Ladder
 A CD as Part of a Growth Strategy
 Hedging and Speculating

18. ADVANTAGES OF CERTIFICATE OF DEPOSITS
1. Since one can know the returns from the certificates of
deposits are considered much safe.
2. One can earn more as compared to depositing money in
savings account.
3. The Federal Insurance Corporation guarantees the
investments in the certificate of deposit.

20. MARKETING OF INSURANCE
 Harness the power of Internet.
 Good Old Telemarketing.
 TV Advertising.

21. CONTD..
 Customer Appreciation Party.
 T-shirts.
 Send Holiday or Birthday Cards.

22. BONDS
 In finance, a bond is an instrument of indebtedness of the
bond issuer to the holders.
 It is a debt security, under which the issuer owes the holders a
debt and, depending on the terms of the bond, is obliged to
pay them interest (the coupon) and/or to repay the principal at
a later date, termed the maturity date.
 Interest is usually payable at fixed intervals (semiannual,
annual, sometimes monthly).
 Very often the bond is negotiable, i.e. the ownership of the
instrument can be transferred in the secondary market.

23. MARKETING STRATEGIES
 Clarify Business Objectives
 Use Innovation Teams to Identify, Evaluate and
Activate Emerging Opportunities
 Decouple Strategy and Innovation
 Build Open Assets in the Marketplace

24. The capital of a company is divided into shares. Each
share forms a unit of ownership of a company and is
offered for sale so as to raise capital for the company.
 To raise the money the company issues share , but
what is the 1st step to issue the share s?

27. MUTUAL FUND
 Definition:
An investment vehicle that is made up of a pool
of funds collected from many investors for the
purpose of investing in securities such as stocks,
bonds, money market instruments and similar
assets. Mutual funds are operated by money
managers, who invest the fund's capital and
attempt to produce capital gains and income for the
fund's investors. A mutual fund's portfolio is
structured and maintained to match the investment
objectives stated in its prospectus.

28.  One of the main advantages of mutual funds is that
they give small investors access to professionally
managed, diversified portfolios of equities, bonds
and other securities, which would be quite difficult
(if not impossible) to create with a small amount of
capital.
 Each shareholder participates proportionally in the
gain or loss of the fund. Mutual fund units, or
shares, are issued and can typically be purchased
or redeemed as needed at the fund's current net
asset value (NAV) per share, which is sometimes
expressed as NAVPS.

29. MARKETING OF MUTUAL FUND IN INDIA
Distribution:
Mutual fund investments are sourced both from
institutions (companies) and individuals. Since
January 2013, institutional investors have moved to
investing directly with the mutual funds since doing
so saves on the expense ratio incurred. Individual
investors are, however, served mostly by
Investment advisor and banks. Since 2009, online
platforms for investing in Mutual funds have also
evolved.

30. HOW COMPANIES PROMOTE THEIR
PRODUCTS
 Certified agents(sale and distribution) – certification
from the national institute of securities
market(NISM).
 Service centers
 Company web portal
 Little promotion in print media
 Outdoor advertising through large size bill
boards/hoardings
 Retail bank
 90% of the customers said that they would prefer to
buy mutual fund products from banks due to
existing personal relationship with banks.