2. Reliance - ADAG

3.  Reliance being founded by Dhirajlal Hirachand Ambani
along with his cousin in the year 1966 ,the Reliance
Group is among India’s top three private sector business
houses on all major financial parameters, currently
Chairman of ADAG Reliance group is Anil Dhirubhai
Ambani, with assets in excess of Rs.180,000 crore, and
net worth to the tune of Rs.89,000 crore.
 Across different companies, the group has a customer
base of over 100 million, the largest in India, and a
shareholder base of over 12 million, among the largest in
the world.
 Through its products and services, the Reliance Group
touches the life of 1 in 10 Indians every single day.

5. Impact Of Gender On Family
Buying Decision

6. Objectives of the study
 To analyze the distinctive personality characteristics
of male and female such as risk tolerance, emotions
etc.
 To understand impact of gender on buying decisions.
 To understand the reasons for the difference
between the decisions taken by male than to
females in respect succession planning, leaving
legacy, child marriage, retirement planning and most
importantly other financial decisions regarding
investment.
 To increase the sale of the products of the company
and to enhance the profit of the company.

7. Research methodology
 Duration : 45 days
 Research type : Diagnostic research
 Sampling
 Sampling Size: 100
 Sampling Method: convenient sampling (Non
Probability sampling)
 Sampling unit: Businessmen - women, professional
men-women, salaried class men-women, housewives,
Govt. Servents.
 Research location: Delhi

8.  Interpretation Tools
 Pie charts
 Bar diagrams
 Statistical Tool
 Percentage method
 Sources of data
 Primary data: Through Questionnaire & observation.
 Secondary data: Through internet, journals,
newspapers, websites and prior studies.
 Research instrument
 Research Instrument will be the structured
questionnaire formulated to the respondents.
 Types of Questions
 Open ended questions
 Close Ended

9. Limitations
 Time constraint.
 Questionnaire is filled according to the response given by
the respondent, it may contain some biased information.
 Respondents were not participating while filling of
questionnaire.
 Most of the respondents are not ready to provide their
personal information for the study.

10. Phases
DETAILING ABOUT THE IMPACT OF GENDER
ON TO THE DIFFERENT DECISIONS
REGARDING TO THE FINANCIAL
INVESTMENT.
TO FIND OUT THE REASONS DUE TO
WHICH THE FINANCIAL DECISIONS DIFFER
FROM GENDER TO GENDER.
SUGGESTIONS ON THE BASIS OF
FINDINGS TO PROVIDE A GOOD WEALTH
MANAGEMENT SERVICES TO THE
CONSUMERS.

11. DETAILING ABOUT THE IMPACT OF GENDER ON TO
THE DIFFERENT DECISIONS REGARDING TO THE
FINANCIAL INVESTMENT.
Phase 1

12.  Financing
 Financing Company
 Wealth Management
 Products of Wealth Management
 Target segment

13. Analysis

14. TO FIND OUT THE REASONS DUE TO WHICH
THE FINANCIAL DECISIONS DIFFER FROM
GENDER TO GENDER.
Phase 2

15. 28%
61%
8%
3%
Age
Below 25
25-35
35-45
45-55
Males
Females
42%
40%
58% 60%
Gender
Unmarried Married
RESPONDENTS

16. 24%
41%
35%
Share
Market
Secured
Instruments
Do Not
Invest
Males Females
29%
4%
35%
48%
36% 48%
Share Market
Secured Instruments
Do Not Invest
INVESTMENT

17. 8%
23%
11%
8%
50%
Loss incured
Not
interested
Lack of
knowledge
Lack of
income
Other
Males Females
14%
0%
36%
8%
21%
0%
14%
0%
15%
92%
Loss incurred
Not interested
Lack of knowledge
Lack of income
Others
Reason for not investing in Share Market

18. 52%
48% Yes
No
100%
0%
Gold
Other
INVESTMENT INTO COMMODITIES
Males Females
52% 52%
48% 48%
Invest Do Not Invest

19. TIME HORIZON
12%
21%
8%
59%
Less than 1 year
1-3 years
3-5 years
More than 5 years
18%
30%
12%
40%
Male
Less than
1 year
1-3 years
3-5 years
More than
5 years
0% 4%
0%
96%
Females
Less than
1 year
1-3 years
3-5 years
More than
5 years

20. 47%
53%
Yes
No
INVESTMENT EFFECTED BY EMOTIONS
Male Female
44%
52%
56%
48%
Yes No

21. 49%
51%
Yes
No
Male Female
38%
87%
62%
13%
Yes No
INVESTMENT EFFECTED BY SPOUSE’S DECISION

22. INTENTION BEHIND INVESTMENT
15%
20%
16%
49%
Profit
Wealth
maximization
Security
Future planning
23%
20%
15%
42%
Male
Profit
Wealth
maximization
Security
Future
planning
0% 7%
21%
72%
Females
Profit
Wealth
maximization
Security
Future
planning

23. Findings

24.  Majority of the respondents are from the age group 25-35
years i.e. 61%.
 Majority of the respondents i.e. 41% invest in Secured
instruments like RD, FD etc. and its being founded that
Males are ready to take risk than to Females as more
Males are investing in the Share market while more
females into the Secured instruments.
 As compare to males Females invest for the longer
period , its being founded that females believe in
future planning more than males.
 Majority of the Male respondents do not think that their
investment decisions are effected by
Emotions, spouse, but its opposite in females.
 Male and females both prefer to invest in gold.

25. SUGGESTIONS ON THE BASIS OF FINDINGS TO
PROVIDE A GOOD WEALTH MANAGEMENT SERVICES
TO THE CONSUMERS.
Phase 3

26.  As both Males & females are inclined towards investment
but have different point of view, company should focus
on creating such a plan, where both of their requirements
can be met simultaneously.
 Company should bring a long term plan, with lower
monthly premium and low risk factor will attract both
Male and Female of a Family to invest.
 Company should come up with new plans for investment
which should not only provide support for future
planning as well as for wealth maximization as both
Male and Female invests keeping in mind mostly
these two intentions.
 Company should focus on promoting its gold plan.
Suggestions