INTERNSHIP REPORT
COURSE TITLE: SUMMER INTERNSHIP
COURSE CODE: ECOR201
SUBMITTED BY: VANI TYAGI
ROLL NO.: 240100556024
M.A. ECONOMICS
SEM II
DEPARTMENT OF ECONOMICS
CHAUDHARY CHARAN SINGH UNIVERSITY
MEERUT
ACKNOWLEDGEMENT
I would like to express my sincere gratitude to Rahul Sharma for
providing me with the opportunity to intern at V Wealth. Their guidance,
support, and mentorship have been invaluable throughout my internship.
Their expertise and encouragement have helped me to develop my skills
and knowledge.
I would like to acknowledge the company for their warm welcome and
support. Their collaborative environment and willingness to share their
experiences have made my internship a truly enriching experience.
Finally, I would like to thank my family and friends for their unwavering
support and encouragement. Their belief in me has been a constant
source of motivation.
I am grateful for the opportunity to have been a part of this internship
and for the experiences and lessons I have gained.
INDEX
1. INTRODUCTION
2. COMPANY PROFILE
3. WORK DONE DURING INTERNSHIP
4. SOME IMPORTANT KEY POINTS
[Link]
1.A. INTERNSHIP AND ITS IMPORTANCE
Internships offer a valuable opportunity for students to gain practical
experience, develop professional skills, and explore potential career
paths. They bridge the gap between academic learning and the real
world, providing a hands-on approach to education.
Here are some key reasons why internships are important:
1. Practical Experience:
Real-world application: Internships allow students to apply
theoretical knowledge to real-world situations.
Hands-on experience: Students can learn practical skills and
techniques relevant to their field of study.
Problem-solving: Interns often get involved in solving real-world
problems, enhancing their problem-solving abilities.
2. Professional Development:
Skill development: Internships help students develop essential
professional skills such as communication, teamwork, time
management, and adaptability.
Networking: Interns have the opportunity to build relationships
with professionals in their field, expanding their network.
Career exploration: Internships can help students explore
different career paths and identify their interests and strengths.
3. Personal Growth:
Confidence building: Internships can boost students' confidence
and self-esteem.
Independence: Interns learn to be independent and take
responsibility for their work.
Cultural exposure: For international internships, students can
experience different cultures and perspectives.
In conclusion, internships offer a multitude of benefits for students,
including practical experience, professional development, career
exploration, and personal growth. They are essential for bridging the gap
between academia and the workplace, preparing students for a
successful career.
1.B. OBJECTIVES OF INTERNSHIP
Internships typically have several objectives that aim to provide students
with valuable learning experiences and prepare them for their future
careers. Here are some common objectives:
Academic Objectives:
Apply theoretical knowledge: To apply theoretical knowledge
gained from coursework to real-world situations.
Develop practical skills: To develop practical skills and
techniques relevant to the field of study.
Gain hands-on experience: To gain hands-on experience in a
professional setting.
Enhance problem-solving abilities: To enhance problem-solving
abilities through practical challenges.
Professional Objectives:
Explore career paths: To explore different career paths and
identify personal interests and strengths.
Network with professionals: To build relationships with
professionals in the field and expand one's network.
Develop professional skills: To develop essential professional
skills such as communication, teamwork, time management, and
adaptability.
Gain industry insights: To gain insights into the industry and
learn about current trends and practices.
Personal Objectives:
Build confidence: To build confidence and self-esteem through
practical experience.
Develop independence: To develop independence and take
responsibility for one's work.
Gain cultural exposure: For international internships, to gain
cultural exposure and experience different perspectives.
Ultimately, the objectives of an internship can vary depending on the
specific program, the student's goals, and the requirements of the
organization. However, the overarching goal is to provide students with a
valuable learning experience that prepares them for their future careers.
COMPANY PROFILE
V Wealth, Building Stronger Portfolios is a investment management
company. with strong commitment to turn market noise into smart
choices. It provides sharp insights and strategic investing practices to
maximize the wealth of their customers. the company has established
itself as a leading player in the investment management field.
COMPANY OVERVIEW
Founded- 2018
Type – Privately held
Industry – investment management
Headquarters- Delhi
LinkedIn Profile- [Link]
MANAGEMENT CAPABILITIES
Portfolio Management
V Wealth do a great work in Asset allocation, diversification, risk-
return optimization.
Research & Analysis
Market trends, macroeconomic analysis, company valuation.
Risk Management
Identifying, measuring, and mitigating financial risks (market,
credit, liquidity).
Client Relationship Management
Understanding investor goals, providing reporting, and
personalized advisory.
WORK DONE DURING INTERNSHIP
The major work during my internship tenure was to gather financial data
and analyze market trends for the V WEATH. In my internship tenure I
specifically gathered information on the NBFC Sector trends.
I worked with a team of about 10 people from different areas and we
together work on this report.
The report was about the India’s NBFC Sector .it contains data of
various NBFC’S balance sheet size, total net advances, total borrowings
and shareholder fund.
What is NBFC?
An NBFC (Non-Banking Financial Company) is a financial institution
that offers bank-like services but does not hold a banking license.
NBFCs are companies that provide financial services like loans, asset
financing, investments, and insurance but cannot accept demand
deposits like a regular bank.
Summary snapshot of the report
NBFC loan growth remained robust at 20% YoY, driven by strong
expansion in Gold (34%) and Diversified (23%) segments, while HFCs
were stable (12%) and MFIs declined sharply (-8%) Key Performance
Indicators for NBFCs
• Profitability: Absolute profit for the NBFC sector increased by 8% YoY
in FY25 with most categories witnessing moderate growth.
• Operational efficiency: Marginal improvement for Cost to Income ratio
from 36.7% in FY24 to 36.2% in FY25; Diversified & Gold NBFCs drive
efficiency metrics for the sector, while HFCs & MFI NBFCs saw a
deterioration.
Capital Adequacy: Most NBFCs have shown a YoY de-growth from
FY24, yet players continue to be well capitalised with CRAR above the
minimum requirement of 15%
RECENT TRENDS
Bank lending to NBFCs has moderated in FY25, due to tighter
regulations.
• Borrowing patterns shifted from Mar'22 to Sep'24, with middle layer
NBFCs relying more on bank borrowings, while upper layer NBFCs
increased public deposits and debenture dependence declined Recent
trends
• NBFC credit deployment from Mar'22 to Sep'24 pivoted towards retail
lending, particularly vehicle and personal loans, while exposure to
industrial and miscellaneous segments contracted.
Some important points I have learned during my internship are :
P/E Ratio (Price-to-Earnings Ratio)
The P/E Ratio is a key valuation metric that tells you how much investors are willing
to pay for ₹1 of a company's earnings.
🔹 Formula: P/E Ratio= Market Price per Share/ Earnings per Share (EPS)
BOOK VALUE
Book Value is the net worth of a company as recorded in its books (balance sheet).
It shows how much shareholders would get if the company is liquidated today.
Formula: Book Value=Total Assets−Total Liabilities
ENTERPRISE VALUE
Enterprise Value is the total value of a company, including its equity + debt, minus
cash.
It shows what it would cost to buy the entire company, including its debts.
FORMULA:
EV=Market Cap +Total Debt−Cash and Cash Equivalents
THE DATA I COLLECTED IS FROM THE VARIOUS NBFC’S SITES
LIKE MUTHOOT FINANCE, PNB HOUSING FINANCE LIMITED, BAJAJ
FINANCE LIMITED, MAHINDRA FINANCE ETC.
TO KNOW MORE ABOUT THE TRENDS, YOU CAN VISIT THE
NBFC’S OFFICIAL SITES AND SEARCH DATA OPTIONS AVAILABLE
THERE.