ArtsAutosBooksBusinessEducationEntertainmentFamilyFashionFoodGamesGenderHealthHolidaysHomeHubPagesPersonal FinancePetsPoliticsReligionSportsTechnologyTravel

Reliance Money Banking and Financial Services Analysis

Updated on July 1, 2011

In contrast to my previous article, Reliance Money Demat, Transfers, Commodities, Mutual Fund Investments, Insurance, one of my friends who is studying banking and finance is going to come up with a report naming it Reliance Money Financial Analyis. Overall, the report would be futuristic in approach with focus on prospects of Reliance Money’s possible conversion into a banking institution and the Indian banking industry two to three years down the line.

Tentative layout of the final report will be:

• Reliance Capital Brief

• Reliance Money Brief

• What is a bank and an NBFC

• Difference Between a bank and an NBFC

• NBFC formation; requisites, rules, and regulations

• Reasons for a NBFC conversion into a bank and the associated risks thereof

• Roadmap and requirements for an NBFC conversion into a bank

• Analysis:

? Does Reliance Money meets the above requirements

? Cost Benefit Analysis of the conversion

? Conversion experience of Kotak and IDBI

? Comparison of Reliance Money versus ICICI; product to product comparison

? Financial Statement Analysis of Reliance Money

? SWOT Analysis (Strengths, Weakness, Opportunities, and Threats Analysis

? BCG Matrix, GE Electric Matrix

? Past Scenario of Indian Banking Industry:

o Growth of the industry

o M&A in the past

o NBFC conversions into a bank

? Current Scenario in Indian Banking Industry

o Major Players

o Current trends

o Basel-II Norms implementation in India

o Level of preparedness of Indian Banks to implement these norms

o Would Reliance Money be able to comply with these norms

• Projection about the future of Indian Banking Industry in year 2011-12

? Liberalization of Indian Banking Industry

? Entry of large number of foreign financial institutions

? 2009-10: An Era of Mergers and Acquisitions in Banking Industry

? Preparations for the future 2011-2012

? Predictions on the likely M&A

? Position of Reliance Money in the Industry in 2011-2012

Conclusion: Recommendations, suggestions, projections on the future of Indian banking industry.

Apart from this, so far from the observation and experience of my friend who is a finance student, Reliance Money has not been able to provide good customer service due to poor back office operations. The client base has been increasing at a very rapid pace but the operations are not being able to meet this pace. This is the reason why Reliance Money is not being able to manage its customers well. This aspect will also be talked about in the report.

Overall, this project on Reliance Money will facilitate a better assessment of the current business of Reliance Money, NBFC conversions into banks apart from its prospects in future, learning of Basel II standards, present banking scenario in India, projections about the future M&A and relative position of Reliance Money in the banking and financial industry of India. The report would conclude comments, recommendations, and suggestions from my friend’s side for Reliance Money in getting the proposed conversion into a bank a successful one.


    0 of 8192 characters used
    Post Comment

    • soni2006 profile imageAUTHOR

      Rajinder Soni 

      7 years ago from New Delhi, India

      Thanks Sameer.

    • sameerk profile image


      7 years ago from India

      nice info , keep going


    This website uses cookies

    As a user in the EEA, your approval is needed on a few things. To provide a better website experience, uses cookies (and other similar technologies) and may collect, process, and share personal data. Please choose which areas of our service you consent to our doing so.

    For more information on managing or withdrawing consents and how we handle data, visit our Privacy Policy at:

    Show Details
    HubPages Device IDThis is used to identify particular browsers or devices when the access the service, and is used for security reasons.
    LoginThis is necessary to sign in to the HubPages Service.
    Google RecaptchaThis is used to prevent bots and spam. (Privacy Policy)
    AkismetThis is used to detect comment spam. (Privacy Policy)
    HubPages Google AnalyticsThis is used to provide data on traffic to our website, all personally identifyable data is anonymized. (Privacy Policy)
    HubPages Traffic PixelThis is used to collect data on traffic to articles and other pages on our site. Unless you are signed in to a HubPages account, all personally identifiable information is anonymized.
    Amazon Web ServicesThis is a cloud services platform that we used to host our service. (Privacy Policy)
    CloudflareThis is a cloud CDN service that we use to efficiently deliver files required for our service to operate such as javascript, cascading style sheets, images, and videos. (Privacy Policy)
    Google Hosted LibrariesJavascript software libraries such as jQuery are loaded at endpoints on the or domains, for performance and efficiency reasons. (Privacy Policy)
    Google Custom SearchThis is feature allows you to search the site. (Privacy Policy)
    Google MapsSome articles have Google Maps embedded in them. (Privacy Policy)
    Google ChartsThis is used to display charts and graphs on articles and the author center. (Privacy Policy)
    Google AdSense Host APIThis service allows you to sign up for or associate a Google AdSense account with HubPages, so that you can earn money from ads on your articles. No data is shared unless you engage with this feature. (Privacy Policy)
    Google YouTubeSome articles have YouTube videos embedded in them. (Privacy Policy)
    VimeoSome articles have Vimeo videos embedded in them. (Privacy Policy)
    PaypalThis is used for a registered author who enrolls in the HubPages Earnings program and requests to be paid via PayPal. No data is shared with Paypal unless you engage with this feature. (Privacy Policy)
    Facebook LoginYou can use this to streamline signing up for, or signing in to your Hubpages account. No data is shared with Facebook unless you engage with this feature. (Privacy Policy)
    MavenThis supports the Maven widget and search functionality. (Privacy Policy)
    Google AdSenseThis is an ad network. (Privacy Policy)
    Google DoubleClickGoogle provides ad serving technology and runs an ad network. (Privacy Policy)
    Index ExchangeThis is an ad network. (Privacy Policy)
    SovrnThis is an ad network. (Privacy Policy)
    Facebook AdsThis is an ad network. (Privacy Policy)
    Amazon Unified Ad MarketplaceThis is an ad network. (Privacy Policy)
    AppNexusThis is an ad network. (Privacy Policy)
    OpenxThis is an ad network. (Privacy Policy)
    Rubicon ProjectThis is an ad network. (Privacy Policy)
    TripleLiftThis is an ad network. (Privacy Policy)
    Say MediaWe partner with Say Media to deliver ad campaigns on our sites. (Privacy Policy)
    Remarketing PixelsWe may use remarketing pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to advertise the HubPages Service to people that have visited our sites.
    Conversion Tracking PixelsWe may use conversion tracking pixels from advertising networks such as Google AdWords, Bing Ads, and Facebook in order to identify when an advertisement has successfully resulted in the desired action, such as signing up for the HubPages Service or publishing an article on the HubPages Service.
    Author Google AnalyticsThis is used to provide traffic data and reports to the authors of articles on the HubPages Service. (Privacy Policy)
    ComscoreComScore is a media measurement and analytics company providing marketing data and analytics to enterprises, media and advertising agencies, and publishers. Non-consent will result in ComScore only processing obfuscated personal data. (Privacy Policy)
    Amazon Tracking PixelSome articles display amazon products as part of the Amazon Affiliate program, this pixel provides traffic statistics for those products (Privacy Policy)