1.investor's perception towards various investment parameters

8/17/2019 1.Investor's Perception Towards Various Investment Parameters

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PROJECT REPORT

ON

INVESTOR’S PERCEPTION TOWARD VARIOUS

INVESTMENT PARAMETERS

Submitted in the partial fulllment for the requirement of

the Degree of

Master of Business Administration (Integrated course)

(20!"20#)

Submitted To: Submitted By:

Mr. Auvraj Singh Lovedeep Singh

(Assistant Professor) MBA (IC) 3rd

813

UNIVERSITY SCHOO O! BUSINESS STUDIES

PUNJABI UNIVERSITY" #URU $ASHI CAMPUS

TAWANDI SABO%

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&BATHINDA'

I$D%&

S'$ *+' $ ,+I +A-%' $1. ACKNOWLEDGEMENT2. DECLARATION3. PREFACE4. 1. COMPANY PROFILE 1-25. 2. INTRODUCTION 3-76. 3. INVESTMENT OPTION FOR INVESTOER 8-17. 4. REVIEW OF LITERATURE 11-218. 5. O!"ECTIVES # RESEARC$ MET$ODOLOGY 22-26%. 6. ANALYSIS # INTERPRETATION # FINDINGS 27-37

1. 7. SUGGESTIONS AND RECOMMENDATIO!S 38-3%11. 8. LIMMITATIONSA OF T$E STUDY 4-4112. %. !I!LOGRAP$Y 42-4313. 1. ANNE&URE

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AC$NOWED#EMENT

I tae this opportunit! to e"press #! deep sense of gratitude to ever!one $ho supported

and guide #e to %o#p&ete this proje%t su%%essfu&&!. I a# thanfu& for their aspiring guidan%e'

inva&ua&! %onstru%tive %riti%is# and friend&! advi%e during the proje%t $or. I a# sin%ere&!

gratefu& to the# for sharing their truthfu& and i&&u#inating vie$s on a nu#er of issues re&ated to

the proje%t.

I a# high&! gratefu& and indeted to #! proje%t guide Mr. agandeep Singh" Bran%h

Manager of $()*y Sto+, B)o,i-.' Patia&a and for their e"%e&&ent and e"pert guidan%e in he&ping

#e in %o#p&etion of proje%t report.

I $ou&d a&so than the $ho&e tea# of $()*y Sto+, B)o,i-." Patia&a $ho has %ontinua&&!

he&ped #e in %o#p&eting the proje%t report. And I a# a&so thanfu& to #! parents and #! friends

$ho have %ontinua&&! support and en%ouraged #e in %o#p&eting the report.

Lovedeep Singh

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DECARATION

I here! de%&are that the proje%t report entit&ed /I-*e0to)’0 1e)+e1tio- to2()d0 *()iou0

i-*e0tme-t 1()(mete)03 su#itted in partia& fu&fi&ent of the re*uire#ent for the degree of #aster of usiness ad#inistration (Integration Course) +niversit! s%hoo& of usiness studies'

,a&$andi sao is #! origina& $or and has een su#itted for the a$ard of an! other degree at

an! other institute or universit!.

o*edee1 Si-.4

MBA &IC' 5)d

675

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PRE!ACE

,he su%%essfu& %o#p&etion of this proje%t $as a uni*ue e"perien%e for #e e%ause !

intera%ting various peop&e- I a%hieved a etter no$&edge aout this proje%t. ,he e"perien%e$hi%h I gained ! doing this proje%t $as essentia& at this turning point of #! %areer this proje%t is

eing su#itted $hi%h %ontent detai&ed ana&!sis of the resear%h under taen ! #e.

,he resear%h is on the topi% /INVESTOR’S PERCEPTION TOWARD VARIOUS

INVESTMENT PARAMETERS%3

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CHAPTER 8 7

COMPANY PRO!IE

COMPANY PRO!IE

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,he four %hartered a%%ountants founded arv! Consu&tants Li#ited in 1/80. A group of

!deraad ased pra%ti%ing Chartered A%%ountants started arv! ta"ation servi%es initia&&!.

Later' it fora!ed in to the register and share transfer a%tivities and suse*uent&! into finan%ia&

servi%es. A&& a&ong arv!2s strong $or ethi%s and professiona& a%ground &everaged $ith

infor#ation te%hno&og! ena&ed it to de&iver *ua&it! to the individua&.

A de%ade of %o##it#ents' professiona& integrit! and vision he&ped arv! a%hieve a

&eadership position in its fie&d $hen it hand&ed the &argest nu#er of issue ever hand&ed in the

histor! of the Indian Sto% #aret in a !ear. ,herefore' arv! #ade inroads into a host of %apita&

#aret servi%es %orporate and retai&' $hi%h proved to e a sound usiness s!nerg!. ,oda! arv!

has a%%ess to #i&&ions of shareho&der' eside %o#panies' ans' finan%ia& institution and

regu&ator! agen%ies. ver the past one and ha&f de%ade' arv! has invo&ved as a verita&e &in

et$een industries' finan%e and peop&e. In 4anuar! 1//8' arv! e%a#e the first 5epositor!

parti%ipants in Andhra Pradesh. As IS6 /770 Co#pan!'

arv! rans a#ong the top p&a!er in aost a&& the fie&ds it operates. arv!

Co#putershare Li#ited is India2s &argest registrar and transfer agent $ith a %&ient ase of near&!

77 &ue %hip %orporate' #anaging over 0 %rore a%%ounts. arv! Sto% Broers Li#ited' #e#er

of 9ationa& Sto% :"%hange of India and the Bo#a! Sto% :"%hange' rans a#ong the top

sto% roers in India. ;ith over s. '777 %rores under #anage#ent. arv! >ea&t! Servi%es' $hi%h started in 077


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arv! $as started ! a group of five %hartered a%%ountants in 1//. ,he partners de%ided to

offer' other than the audit servi%es' va&ue added servi%es &ie %orporate advisor! servi%es to their

%&ients. ,he first fir# in the group' arv! Consu&tants Li#ited $as in%orporated on 03rd 4u&!'

1/83. In a ver! short period' it e%a#e the &argest >egistrar and ,ransfer Agent in India. ,his

usiness $as spun off to for# a separate joint venture $ith Co#puter share of Austra&ia' in 077.

arv!2s fora! into sto% roing egan $ith #areting IP2s' in 1//3. ;ithin a fe$ !ears'

arv! egan topping the IP pro%ure#ent &eague ta&es and it has %onsistent&! #aintained its

position a#ong the top . arv! $as a#ong the first fe$ #e#ers of 9ationa& Sto% :"%hange'

in 1//D and e%a#e a #e#er of ,he Sto% :"%hange' Mu#ai in 0771. 5e#ateria&i@ation of

shares gathered pa%e in #idE/7s and arv! $as in the forefront edu%ating investors on the

advantages of de#ateria&i@ing their shares. ,oda! arv! is a#ong the top 5epositar!

Parti%ipant in India.

;hi&e the registr! usiness is a 767 4oint Fenture $ith Co#puter share of Austra&ia' $e

have e*uit! parti%ipation ! ICICI Fentures Li#ited and Barings Asia Li#ited' in arv! Sto%

Broing Li#ited. arv! has a&$a!s e&ieved in adding va&ue to servi%es it offers to %&ients. A

topEnot%h resear%h tea# ased in Mu#ai and !deraad supports its e#p&o!ees to advise

%&ients on their invest#ent needs. ;ith the infor#ation over&oad toda!' arv!2s tea# of ana&!sts

he&p investors #ae the right %a&&s' e it e*uities' #f' insuran%e. n a t!pi%a& $oring da! arv!6

• as #ore than 0'777 investors visiting our offi%es

• Pu&ishes G road%asts at &east 7 u! G se&& %a&&s

• Attends to 17'777H te&ephone %a&&s

• Mai&s 0'777 enve&opes' %ontaining Annua& >eports'

• 5ividend %he*ues G advises' a&&ot#ent G refund advises

• :"e%utes 17'777H trades on 9S: G BS:

• :"e%utes 7'777 deit G %redit in the depositar! a%%ounts

• Advises 3'777H %&ients on the invest#ents in #utua& funds

!i)0t ISO 9 ;;7:


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As the f&agship %o#pan! of the arv! roup' arv! Consu&tant Li#ited has a&$a!s

re#ained at the he of organi@ation affairs' pioneering usiness po&i%ies' $ors ethi% and

%hanne&s of progress. arv! as a &eader in the registr! usiness no$ transferred this usiness into

a joint venture $ith Co#puter share Li#ited of Austra&ia' the $or&d2s &argest registrar. ,oda!' $e

servi%e over < &a%s %usto#er a%%ounts in this usiness spread a%ross over 07 %itiesGto$ns in

India and are raned a#ongst the &argest 5epositor! Parti%ipant in the %ountr!' 5ea& in >egister

and invest#ent servi%es. ;e are rated as Indias JMost Ad#ired >egistrarJ for overa&& e"%e&&en%e

in vo&u#e #anage#ent' *ua&it! pro%esses and te%hno&og! driven servi%es. ur servi%es in%&ude

Initia& Pu&i% ffers (IP2s) pro%essing' share ho&der servi%ing' effe%ting %orporate a%tions'

investor infor#ation servi%es and host of te%hno&og! ena&ed servi%es to fa%i&itate effi%ient and

effe%tive servi%e de&iver!


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,he institutiona& roing servi%es des is a spe%ia&i@ed usiness unit at A>F that

operates out of Mu#ai' the finan%ia& %apita& of India and is staffed $ith estEofEindustr!

e*uit! #aret professiona&s and high&! si&&ed dea&ers. A>F a&so supports

institutiona& traders through their institutiona& sa&es and resear%h tea#s $ith infor#ation

and insightfu& reports on sto%s' se%tors and industr! verti%a&s. A>F2s institutiona&

roing %&iente&e in%&ude so#e #ajor do#esti% Mutua& ?unds' Insuran%e Co#panies'

Bans and ?II2s in India.

5% $ARVY INVESTORY SERVIES IMITED

arv! Investor Servi%es Li#ited' a S:BI registered Mer%hant Baner is a 177N susidiar! of

arv! Consu&tants Li#ited and is a#ong the top 17 #er%hant Baners in India toda!. ,he parent

Co#pan! i.e. arv! Consu&tants Li#ited $as founded ! a group of professiona&s in 1/80 and

toda! it has evo&ved as integrated finan%ia& servi%es %o#pan! of repute' offering various finan%ia&

servi%es to suit ever! re*uire#entGneed of our %usto#ers. B! virtue of its a%%ess to #i&&ions of

Indian Shareho&ders' in addition to %o#panies' ans and finan%ia& institutions' arv! has in the

pro%ess ui&t up a positive reputation $ith regu&ator! authorities and other govern#ent agen%ies.

ur e#phasis on the *ua&it! of the servi%es' $e offer' has een instru#enta& in he&ping us to

attain the &eadership in the finan%ia& servi%es se%tor.

;e have a tra% re%ord of hand&ing 7 pu&i%Grights issues as Mer%hant Baners. 5uring the

&ast t$o !ears $e have hand&ed the share u!a% issues of ,, LI Li#ited' Sirpur Paper

Mi&&s Li#ited' Bhag!anagar Meta&s Li#ited' A F ,ho#as roupE9e&&ia#path! ,ea and Produ%e

Co#pan! Li#ited' Chordia ?ood Produ%ts Li#ited' eritage ?oods (India) Li#ited' ,itanor

Co#ponents Ltd' Punja Co##uni%ations Li#ited' et%. to na#e a fe$.

;e have a&so hand&edGare hand&ing the >ightsGPu&i% issues of 5hana&ash#i Ban'

5handapani ?inan%e' Mos%hip' arur F!s!a Ban' Lu" osier! Industries Ltd' Sah Petro&eu#s

Li#ited' Parad!ne Info,e%h Li#ited' ash Papers Li#ited' SPL Industries Li#ited' Provogue (I)

Li#ited' ,u&ip I, Servi%es Li#ited' ati Li#ited as &ead #anagers to na#e a fe$. ;e have a&so

een appointed as advisor to so#e of the I disinvest#ents. ;e have a%tive&! #areted ond

issues of %orporations fro# the States of Maharashtra' arnataa O ujarat and det issues of a&&

the ?inan%ia& Institutions &ie I5BI' ICICI' I?CI' >:C' P?C' SI5BI' et%.

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As an Invest#ent Baner' arv! provides-

Manage#ent of Capita& Issues

Manage#ent of Bu!a%s' ,aeovers and 5e&isting offers

Private P&a%e#ent of 5et and :*uit!

Mergers and A#a&ga#ations' Loan S!ndi%ation

>% $ARVY COMODITIES BRO$IN# PRIVATE IMITED

;e have #ade %o##odities trading' an essentia&&! ageEo&d pra%ti%e' into a sophisti%ated

and s%ientifi% invest#ent option.

ere $e ena&e trade in a&& goods and produ%ts of agri%u&tura& and #inera& origin that

in%&ude &u%rative %o##odities &ie go&d and si&ver and popu&ar ite#s &ie oi&' pu&ses and %otton

through a $e&&Es!ste#ati@ed trading p&atfor#. ur te%hno&ogi%a& and infrastru%tura& strengths and

espe%ia&&! our streetEs#art si&&s #ae us an idea& roer.

ur servi%e #atri" is ho&isti% $ith a ga#ut of advantages' the first and fore#ost eing our

&ega%! of hu#an resour%es' te%hno&og! and infrastru%ture that %o#es fro# eing part of the

arv! roup.

ur $ide nationa& net$or' spanning the &ength and readth of India' further supports these

advantages. >egu&ar trading $orshops and se#inars are %ondu%ted to hone trading strategies to

perfe%tion. :ver! #ove #ade is a %a&%u&ated one' ased on re&ia&e resear%h that is %onverted into

va&ua&e infor#ation through dai&!' $ee&! and #onth&! ne$s&etters' %a&&s and intrada! a&erts.

?urther' persona&i@ed servi%e is provided here ! a dedi%ated tea# %o##itted to giving hass&eE

free servi%e $hi&e the roerage rates offered are e"tre#e&! %o#petitive. ur %o##it#ent to

e"%e& in this se%tor ste#s fro# the i##ense i#portan%e those %o##odities roing has to a

%rossEse%tion of investors' far#ers' e"porters' i#porters' #anufa%turers and the overn#ent of

India itse&f. Fisit us at $$$.arv!%o#trade.%o#

?% $ARVY MUTUA !UND SERVIES

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http://www.karvycomtrade.com/http://www.karvycomtrade.com/


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Invest#ent is the stepping stone to a%hieving ones finan%ia& drea#s. Mutua& funds offer an

opportune $a! to &ongEter# $ea&th %reation. o$ever' $ith #ore and #ore funds f&ooding the

#aret' the tas of se&e%ting the #ost suita&e s%he#e gets even #ore %o#p&i%ated. Mutua& ?und

Advisor! Servi%e at arv! guides !ou through this #a@e and ensures that !our invest#ents are

a%ed ! our *ua&it! resear%h. ;e' at arv! he&p !ou to rea%h !our goa&s ! offering6

• Produ%ts of 33 AMCs

• >esear%h reports (e"isting funds O 9?s- strateg! reports et%.)

• Custo#i@ed #utua& fund portfo&ios

• Portfo&io revision (depending on %hanging #aret out&oo and evo&ving trends)

• A%%ess to on&ine %onso&idated portfo&io state#ent

@% IPO PRODUCTION PRIVATE IMITED

An Initia& Pu&i% ffer (IP) is a #eans of %o&&e%ting #one! fro# the pu&i% ! a %o#pan!

for the first ti#e in the #aret to fund its proje%ts. In return' the %o#pan! gives the share to the

investors in the %o#pan!.

In an IP' the Lead #anagers de%ide the pri%e of the issue. In a oo ui&ding offer' the

s!ndi%ate #e#ers de%ide the indi%ative pri%e range and the investors de%ide the pri%e of the

issue through a tender #ethod.

A draft prospe%tus provides the infor#ation on the finan%ia&s of the %o#pan!' pro#oters'

a%ground' tentative issue pri%e et%. It is fi&ed ! the Lead Managers $ith the Se%urities O

:"%hange Board of India (S:BI) to provide issue detai&s. vervie$ of the draft prospe%tus %an

e seen on $$$.sei.gov.in (S:BIs $e site %&i% here). ,he fina& prospe%tus is printed after

otaining the %&earan%e fro# S:BI and the >egistrar of Co#panies (>C).

% $ARVY !IED INCOME SECYRITYIES TRADIN# &$9!IST'

It $as started in 5e%e#er 0770 $ith a ro&& out fro# dedi%ated %enters of arv!. ,he >etai&

5et Maret division $hi%h is %entra&i@ed at the in !deraad provides fi"ed in%o#e

produ%ts to its %&ients and is pri#ari&! a fund ased a%tivit!. ,he dea& si@es var! fro# >s.17'777

to >s. %ores.

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Produ%ts E Centra& overn#ent se%urities' State 5eve&op#ent Loans' State uaranteed

onds' Pu&i% Se%tor +ndertaing Bonds' ?inan%ia& Institution Bonds' and Ban onds of

SL>G9onESL> %ategor!' oth ta"a&e and ta"Efree.

,arget %&ients E Provident ?und ,rusts' :du%ationa& O >e&igious trusts' %harita&e trusts' and

CoEoperative ans' >egiona& >ura& Bans' Corporate' and igh 9et $orth Individua&s Standard

perating Pro%edures E Based on the spe%ifi% needs of the prospe%ts uotes of a&& %ategories of

onds are sent. ,he se&e%tion of instru#ent is done and post negotiation (if an!) the sett&e#ent

date is fina&i@ed. Contra%t notes are e"%hanged and $ritten %onfir#ations are otained efore

initiating the trade sett&e#ent. n the agreed sett&e#ent date' the funds and se%urities are

e"%hanged et$een the parties. Pri#ari&! a&& the trades are in the e&e%troni% #ode on&!. ,he

;ho&esa&e 5et Maret division is %entra&i@ed at Mu#ai and is a voi%e ased order #at%hing

a%tivit! $hi%h is fee ased. ,he dea& si@e is a #ini#u# of >s. %r. And the reporting is done on

the 9S:.

Produ%ts E Centra& overn#ent se%urities' State 5eve&op#ent Loans' State uaranteed

onds' Pu&i% Se%tor +ndertaing Bonds' ?inan%ia& Institution Bonds' and Ban onds of

SL>G9onESL> %ategor!' oth ta"a&e and ta"Efree.

,arget %&ients6 E CoEoperative ans' %o##er%ia& ans' Corporate' ?inan%ia& Institutions'

Insuran%e %o#panies and Asset Manage#ent Co#panies.

Standard perating Pro%edures E ,he dea&ers generate 0E$a! *uotes during the trading hours

and #at%h the institutiona& u!ers and se&&ers. ,he dea& %ontra%t notes are generated and

e"%hanged et$een the 0 parties. ,he fees are %o&&e%ted ! raising deit notes on a #onth&!

asis.

6% $ARVY REAITY &INDIA' IMITED

(>IL) is pro#oted ! the A>F roup' India2s &argest integrated finan%ia& servi%es

group. ,he group %arries for$ard its &ega%! of trust and e"%e&&en%e in investor and %usto#er

servi%es de&ivered $ith a passion for servi%es and the highest &eve& of *ua&it! that a&ign $ith

g&oa& standards. >IL is engaged in the usiness of rea& estate and propert! servi%es.

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• Bu!ingG se&&ingG renting of properties

• Identif!ing va&ua&e invest#ents opportunities in the rea& estate se%tor

• ?a%i&itating finan%ia& support for rea& estate and invest#ents in properties

• >ea& estate portfo&io advisor! servi%es.

>IL is !our persona& rea& estate advisor guiding and hand ho&ding !ou through rea& estate

transa%tions and offering va&ua&e invest#ent opportunities.

Bui&ding on the A>F rand as a &eading industr! en%h#ar for $or&d %&ass %usto#er

servi%ing and *ua&it! standards' >IL rings to investors a reputation of re&iai&it!' dependai&it!

and honest!. ur understanding of the needs and preferen%es of our %&ients and our tea#s of

*ua&ified rea&t! professiona&s he&p us to esta&ish fruitfu& re&ationships $ith u!ers and se&&ers of

properties a&ie.

A sing&e stop shop for rea&t! servi%es offering6

• ,ransa%ting ptions6 Choose to u!' se&& or rent properties (residentia& and %o##er%ia&)

• Investing ptions6 ive !our invest#ents a good opportunit! $ith properties #areted

! >IL.

• ?inan%ing ptions6 et un#at%hed dea&s for finan%ing !our invest#ent

• >esear%h ptions6 ;e undertae va&uation and feasii&it! studies' area ana&!sis and

%usto#i@ed ana&!sis on eha&f of %&ients.

>IL has ongoing re&ations $ith ui&ders and deve&opers a%ross the %ountr! $hi%h $i&& he&p

!ou p&a%e !our invest#ents in the #ost genuine properties for a good va&ue appre%iation at the

right p&a%e and at the right pri%e. >IL is %o##itted to the guiding prin%ip&es of *ua&it!' ti#e&!

servi%e de&iver!' fair pri%ing' transparen%! and integrit!.

% $ARVY INSURANCE BRO$IN# PRIVATE IMITED

At arv! Insuran%e Broing (P) Ltd. $e provide oth &ife and nonE&ife insuran%e produ%ts to

retai& individua&s' high netE$orth %&ients and %orporate. ;ith the opening up of the insuran%e

se%tor and $ith a &arge nu#er of private p&a!ers in the usiness' $e are in a position to provide

tai&or #ade po&i%ies for different seg#ents of %usto#ers. In our journe! to e#erge as a persona&

finan%e advisor' $e $i&& e etter positioned to &everage our re&ationships $ith the produ%t

providers and p&a%e the re*uire#ents of our %usto#ers appropriate&! $ith the produ%t providers.

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;ith Indian #arets seeing a sea %hange' oth in ter#s of invest#ent pattern and attitude of

investors' insuran%e is no #ore seen as on&! a ta" saving produ%t ut a&so as an invest#ent

produ%t. B! setting up a separate entit!' $e $ou&d e positioned to provide the est of the

produ%ts avai&a&e in this usiness to our %usto#ers.

ur $ide nationa& net$or' spanning the &ength and readth of India' further supports these

advantages. ?urther' persona&i@ed servi%e is provided here ! a dedi%ated tea# %o##itted in

giving hass&eEfree servi%e to the %&ients.

7;% $ARVY PORT!OIO MANA#EMENT SERVICE IMITED

A>F is a pre#ier integrated finan%ia& servi%es provider' and raned a#ong the top five in

the %ountr! in a&& its usiness seg#ents. A>F o$es its su%%ess to its professiona&&! #anaged

tea# of e"perts' $ho have een %hosen fro# so#e of the #ost reputed institutions and fir#s

a%ross India.

In toda!s intri%ate and vo&ati&e #aret !our invest#ent re*uires %onstant #onitoring and

attention. ,he de#and #ade on !our ti#e and energ! ! other usiness #a! not &eave !ou $ith

%apa%it! to attend to !our persona& portfo&io $ith the degree of %are !ou dee# appropriate. ;e at

A>F understand !our situation and offer PMS servi%es taing the sa#e &eve& of %are and

attention !ou $ou&d devote to #onitoring !our portfo&io.

reen ;a&&et is an :ndeavour spe%ia&&! designed ! arv! to enhan%e the $ea&th of a ni%he

seg#ent of investors. ,his servi%e pri#ari&! #eant for 9Is (igh 9et $orth Individua&s) offers

%usto#ers a $ide range of s%he#es. ,hese uni*ue s%he#es see to a%hieve higher returns

through road ased parti%ipation in e*uit! #arets. ,his is a%hieved ! %reating a diversified

e*uit! portfo&io of s#a&&' #ediu# and &arge %apita&i@ed %o#panies.

77% $ARVY DEPOSITORY SERVICES IMITED

Sto% Broing Li#ited provides depositor! servi%es to investors as a 5epositor! Parti%ipant

$ith the 9ationa& Se%urities 5epositor! Li#ited (9S5L) and Centra& 5epositor! Servi%es (India)

Li#ited (C5SL). ,he 5epositor! s!ste# in India &ins Issuers' 9ationa& &eve& 5epositories'

5epositor! Parti%ipants and C&earing ouses G C&earing Corporation of Sto% :"%hanges. ur

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de#at servi%es are a%%essi&e through an! of our net$or of over ran%hes G investor servi%e

%enters &o%ated in over 3 %ities and to$ns a%ross the %ountr!.

ur de#at servi%es usiness has the distin%tion of having a&& its operations IS /7716

0777 %ertified $ith stateEofEtheEart te%hno&og! and operations %apai&ities. ur de#at servi%es

has innovated over ti#e and $e provide on&ine a%%ess to a%%ount state#ents and transa%tion

a&erts through SMS to its %&ients.

A>F2s 5e#at servi%es offer !ou a se%ure' %onvenient and paper&ess $a! to eep tra%

of !our invest#ents in shares and other se%urit! instru#ents over ti#e' $ithout the hass&e of

hand&ing paper ased trans%ripts.

;e provide the fo&&o$ing servi%es6

• 5e#ateria&i@ation of Shares

• 5e#ateria&i@ation of Shares

• ,ransfer of Shares

• P&edging of Shares

• :&e%troni% Custodia& Servi%es

• Maintenan%e of Benefi%ia& o&dings

• :&e%troni% Credit against Corporate A%tions

UAITY POICY O! THE COMPANY

,o a%hieve and retain &eadership' arv! sha&& ai# for %o#p&ete %usto#er satisfa%tion' !

%o#ining its hu#an and te%hno&ogi%a& resour%es' to provide superior *ua&it! finan%ia& servi%e'

in the pro%ess' arv! $i&& strive to e"%eed %usto#er2s e"pe%tation.

u(ity ObFe+ti*e0:9

• As per the *ua&it! po&i%!' arv! $e2&&6

• Bui&dEinEhouse pro%esses that $i&& insure transparent and har#onious re&ationship $ith its

%&ients and investor to provide high *ua&it! of servi%es.

16


17/67

• :sta&ish a partner re&ationship $ith its investors servi%e agent and vendors that $i&& he&p

in eeping up it %o##it#ents to the %usto#ers.

• Provide high *ua&it! of $or &ife for a&& its e#p&o!ees and e*uip the# $ith ade*uate

no$&edge and si&&s so as to respond to %usto#er2s needs.

• Continue to upho&d the va&ues of honest! and integrit! and strive to esta&ish unpara&&e&ed

standard and usiness ethi%s.

• +se stateEofEthe art infor#ation te%hno&og! in deve&oping ne$ and innovative finan%ia&

produ%ts and servi%es to #eet the %hanging needs of investors and %&ients.

• Strive to e a re&ia&e sour%e of va&ueEedit produ%ts and servi%es and %onstant&! guide the

individua&s and institutions in #aing judi%ious %hoi%es of sa#e.

• Strive to eep a&& staeho&ders (share ho&ders' %&ients' investors' e#p&o!ees' supp&iers and

regu&ator! authorities) proud and satisf!.

STRATE#IES O! THE COMPANY

arv! e&ieves that the fore#ost ingredient for su%%ess in the has een the %oEoperation

ai&it! to %ontinuous&! evo&ve oth organi@ationa& stru%ture and produ%t offerings' there!

re#aining on the %utting finan%ia& servi%es.

arv! e&ieves that three %apita&s vi@.' finan%ia&' hu#an and te%hno&og!' $ou&d drive the

finan%ia& servi%es se%tor in the future and dra$ the oundaries for a%hieving &eadership.

arv! e&ieves that %usto#i@ed so&utions are no$ the e! drivers for #aret share and profit

#argins.

DEVEOPMENT ACTIVIES

arv! has sought to roaden the s%ope of its a%tivities ! e"a#ining a&& se%tors of the e%ono#!

and ! introdu%tion ne$ %on%epts' ne$ instru#ents and in so#e %ases ne$ institution to

response to per%eived needs. In this regards' arv! deve&op#enta& a%tivities have en%o#passed

su%h diverse areas as finan%ia& invest#ent' insuran%e' depositor! parti%ipant2s servi%es' si&&

deve&op#ent a%tivities et%.

It has a&so een a pioneer in setting up PA9. ,A9 servi%es' and a&so setting up spe%ia&i@ed

institution in %ertain e! se%tions.

17


18/67

1. ,I9 fa%i&itation %entre.

0. Sto% roing %entre.

3. ?inan%ia& %entre.

D. Baning %entre.

. >egistrar of the issues.

A separate depart#ent is present $ith the so&e intent of providing finan%ia& servi%es to various

%harita&e' edu%ationa& and so%ia& $e&fare organi@ations.

ACHIEVMENTS

• Largest #oi&i@e of funds as per P>IM: 5A,ABAS:.

• ?irst ISE /770 %ertified >egistrar in India.

• A %ategor!E 1E Mer%hant aner.

• A %ategor!E 1E >egistrar to pu&i% issues.

• >aned as the #ost ad#ired >egistrar ! MA>

• and&ed the &argest Kever pu&i% issueEI5BI.

• and&ed over 77 pu&i% issues as >egistrars.

• and&ing the re&ian%e a%%ount' this a%%ounts for near&! 17 #i&&ion a%%ount ho&ders.

• ?irst depositor! parti%ipants in Andhra Pradesh.

• Major issues #anaged as arrangers6

1.era&a state :&e%tri%it! Board.

0.Po$er ?inan%e Corporation.

3.A.P. $ater resour%es deve&op#ent %orporation

D.A.P. state e&e%tri%it! oard.

.a&dia petro%he#i%a&s Ltd.

•Major issues #anaged as %oE#anagers.

1.Indus &and Ban Ltd.

0.ICICI BondsEMar%h/.

3.ICICI BondsEde%./.

D.ICICI safet! BondsEApri& /8' 4u&!/8' %t./8' 5e%./8' 4an.//.

.,he 4a##u O ash#ir BanLtd.

18


19/67

• Major issues hand&ed and registrar to issues.

1. I5BI e*uit!

0. Morgan Stan&e! #utua& fund

3. Ban of BarodaD. Ban of Punja Ltd.

. Corporation Ban.efineries Ltd.

17. BPL Ltd.11. Bir&a 3M Ltd.

10. :ssar shipping Ltd.

13. :ssar ste&s Ltd.1D. industan Petro&eu# Corporation Ltd.

1. Infos!s te%hno&ogies Ltd.

1ajshree Po&!fi& L,5.

$ARVY SCURITIES IMITED

arv! has se%ured over >s. 77 %rore in the fo&&o$ing det issues

• Andhra Pradesh >oad 5eve&op#ent Corporation Ltd.

• ICICI Bonds ( Private p&a%e#ent )

• ICICI BondsE/


20/67

• era&a state e&e%tri%it! Board.

• rishna Bhg!a 4a&a 9iga# Ltd.

• Po$er ?inan%e Corporation Ltd.

•Andhra Pradesh ;ater >esour%es 5eve&op#ent Corporation

• Andhra Pradesh state :&e%tri%it! Board.

DEMAT ACCOUNT

5e#at a%%ount is ver! #u%h si#i&ar to saving %urrent a%%ount of a an' $ith the on&!

differen%e eing that it dea&s $ith se%urities in e&e%troni%s for# and not #one! .22A de#at

a%%ount is just po&ite fare$e&& to paper$or and a $ar# $e&%o#e to greater effi%ien%! and for

that #atter' se%urit!. A 5#at a%%ount a uni*ue' %apita&E#aretEinvestorEoriented

Be-e=it0 o= t4e Dem(t (++ou-t:9

• 9o &oss of share %ertifi%ates.

• 9o de&a! in transfer of shares.

• 9o possii&it! of forger! on various do%u#ent dea&ing to ad de&iveries' &ega& disputes.

• 9o possii&it! of theft of share %ertifi%ates.

• 9o preva&en%e of fae %ertifi%ates in the #arets

• 9o #uti&ation or &oss of share %ertifi%ates in transit.

• ou %an a&so re%eive !our onuses and rights into !our depositor! a%%ount as a dire%t

%redit' thus e&i#inating ris of &oss in transit.

• ou %an a&so e"pe%t a &o$er interest %harge for &oan taen against de#at shares as

%o#pared to interest for &oan against ph!si%a& shares .this %ou&d resu&t in a saving of aout

7.0N to 1.N so#e ans have a&read! announ%ed this .

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• >BI has in%reased the &i#it of &oans against de#ateria&i@ed se%urities as %o&&atera& to rs.0

#n per orers as against >s.1 #n per orers in %ase of &oans against ph!si%a& se%urities.

>BI has a&so redu%e the #ini#u# #argin to 0N for &oans de#ateria&i@ed se%urities as against

7N for &oans against ph!si%a& se%urities.

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CHAPTER 8 <

INTRODUCTION

INTRODUCTION

I-*e0tme-t

An invest#ent is an asset or ite# that is pur%hased $ith the hope that it $i&& generate in%o#e or

appre%iate in the future. In an e%ono#i% sense' an invest#ent is the pur%hase of goods that are

22

http://www.investopedia.com/terms/a/asset.asphttp://www.investopedia.com/terms/a/asset.asp


23/67

not %onsu#ed toda! ut are used in the future to %reate $ea&th. In finan%e' an invest#ent is a

#onetar! asset pur%hased $ith the idea that the asset $i&& provide in%o#e in the future or

appre%iate and e so&d at a higher pri%e.

I-*e0to)

An investor is an! person $ho %o##its %apita& $ith the e"pe%tation of finan%ia& returns.

Investors uti&i@e invest#ents in order to gro$ their #one! andGor provide an in%o#e during

retire#ent' su%h as $ith an annuit!. A $ide variet! of invest#ent vehi%&es e"ist in%&uding (ut

not &i#ited to) sto%s' onds' %o##odities' #utua& funds' e"%hangeEtraded funds (:,?s)'

options' futures' foreign e"%hange' go&d' si&ver' retire#ent p&ans and rea& estate. Investors

t!pi%a&&! perfor# te%hni%a& andGor funda#enta& ana&!sis to deter#ine favora&e invest#ent

opportunities' and genera&&! prefer to #ini#i@e ris $hi&e #a"i#i@ing returns.

I-*e0tme-t +)ite)i(

Invest#ent %riteria are the defined set of para#eters used ! finan%ia& and strategi% u!ers to

assess an a%*uisition target. Sophisti%ated u!ers $i&& usua&&! have t$o sets of %riteria6

• ,he para#eters that are dis%&osed pu&i%&! to inter#ediaries su%h as invest#ent aners'

so the! no$ $hat the u!er is &ooing for in order to sour%e dea&s that fit- and

• ,he para#eters deve&oped for interna& revie$ that a&&o$s a u!er to *ui%&! deter#ine if

the a%*uisition shou&d e pursued further.

,he #ost %o##on pu&i%&! dis%&osed invest#ent %riteria in%&ude the geograph!' si@e of the

invest#ent or %o#pan! targeted' and industr!. So#e u!ers a&so dis%&ose %riteria regarding the

invest#ent t!pe $hi%h #a! in%&ude #anage#ent u!outs (MB)' distressed opportunities' or

su%%ession situations.

23


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CHAPTER 8 5

INVESTMENT OPTION

!OR INVESTOR

INVESTMENT OPTION !OR INVESTOR

I-*e0tme-t O1tio- i- B(-,0

7% !iGed De1o0it (++ou-t

In this %ategor! are in%&uded the deposits $ith the and for fi"ed period that is spe%ified

at the ti#e of #aing the deposit. It is repa!a&e on the e"pir! of spe%ified period.


25/67

A saving Ban a%%ount is #eant for the peop&e of the &o$er and the #idd&e %&ass $ho

$ish to save a part of their %urrent in%o#e to #eet their future needs and a&so intend to earn

an in%o#e fro# their saving. ,he ans' therefore' i#pose %ertain restri%tion on the saving

an a%%ount and a&so offer a reasona&e at of interest.

5% Re+u))i-. De1o0it o) Cumu(ti*e De1o0it A++ou-t0It is variant of the saving an a%%ount. It is intended to indi%ate the hait of saving on

the regu&ar asis as an indu%e#ent if offered in the for# of %o#parative&! higher rate of

interest.

>% Cu))e-t A++ou-t

A %urrent a%%ount is a running and a%tive a%%ount that #a! e operated upon an! nu#er

of ti#e.

I-*e0tme-t O1tio- i- Sm( S(*i-. S+4eme0

S#a&& Saving S%he#es are ad#inisters through post offi%es. ,hese are idea& for s#a&&investor &ooing for fi"ed return $ith high safet!.

7% N(tio-( S(*i-. Ce)ti=i+(te &NSC' 9ationa& Saving Certifi%ate (9SC) is %ertifi%ate issued ! depart#ent of post'

overn#ent of India and is avai&a&e at a&& post offi%e %ountr!. It is a &ong ter# safe savings

option for the investor.

% Re+u))i-. De1o0it &RDA'

A post offi%e >e%urring 5eposit A%%ount (>5A) is ain to a re%urring deposit in a an'

$here !ou invest a fi"ed a#ount on a #onth&! asis. ,he deposit has a fi"ed tenure' and the

S%he#e is a po$erfu& too& for regu&ar saving.

?% Pubi+ P)o*ide-t !u-d &PP!'

,he pu&i% provident fund s%he#e is a statutor! s%he#e of the %entra& govern#ent of

India. ,he s%he#e is for 1 !ears. ,he rate of interest is 8 N %o#pounded annua&&!. ,he

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26/67

#ini#u# deposit is >sE77GE and #a"i#u# is >sE7'777GE in finan%ia& !ears. ,he a#ount of

deposit %an e varied to suit the %onvenien%e of the a%%ount ho&ders. ,he a%%ount in $hi%h

deposit are not #ade for an! reason in treated as dis%ontinued a%%ount and su%h a%%ount

%annot e %&osed efore #aturit!.

• I-*e0tme-t O1tio- i- Se+u)itie0 M(),et

7% Euity S4()e0

Se%ondar! #aret refers to the sto% e"%hanges $here investors %an u!Gse&& shares that

are &isted on the#. :*uit! shares have do#inated India2s sto% #aret. As a resu&t of

signifi%ant %hange in the past' parti%u&ar&! %o#puteri@ation' on&ine trading' de#ateria&i@ation

and depositor! parti%ipation' investors are no$ dea&ing $ith a #u%h #ore transparent and

effi%ient se%ondar! #arets. :*uit! shares !ie&d returns in t$o $a!s6 one' 5ividends

de%&ared ! the %o#panies usua&&! at the end of the !ear and t$o the %apita& gains on sa&e of

e*uit! shares. Li*uidit! of invest#ent in e*uit! shares depends upon the trading vo&u#es of

the share.

An investor needs to e a$are of the %o#panies and their perfor#an%e. Co#panies2

perfor#an%e shou&d e #onitored %&ose&! in order to tra% the invest#ent perfor#an%e.


27/67

investor in to assets that are definedG per#itted ! the stated oje%tive of the s%he#e. Mutua&

fund is a suita&e invest#ent for the %o##on #an as it offers an opportunit! to invest in a

diversified' professiona&&! #anaged aset of se%urities at a re&ative&! &o$ %ost.

CHAPTER 8 >

REVIEW O! ITERATURE

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REVIEW O! ITARATURE

,here have een various studies in the past on invest#ent' their uti&it! and affe%ts on the

investors and the e%ono#! at &arge. In this %hapter an atte#pt has een #ade to revie$ the past

re&ated studies on the resear%h area in order to see the potentia& for future resear%h area in order

to see the potentia& for future resear%h. So#e of the re&ated studies $ere revie$ed.

Te))(-+e (1//8)

,he #ain fo%used to e"a#ine this stud! the ehavior of individua& investors and find

the# e"hiiting disposition effe%ts' that is' the! rea&i@ed their profita&e sto%s need aa

invest#ent at a #u%h higher rate than their unprofita&e ones. ,he disposition effe%t is found to

inf&uen%e #aret pri%e- !et its e%ono#i%s signifi%an%e is &ie&! to e the greatest for individua&investors.

C4(,()(b()ti (-d Ru-.t( (0777)

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>evea&ed that stressed the i#portan%e of rand effe%t in deter#ining the %o#petitive

position of the AMCs. ,heir stud! revea&s that rand i#age fa%tor' through %annot e easi&!

%aptured ! %o#puta&e perfor#an%e #easures' inf&uen%e the investor2s per%eption and hen%e his

fundGs%he#e se&e%tion.

C4((m (0773)

Ana&!@ed that fa%tors inf&uen%ing the invest#ent e*uit! sharesG#utua& funds are return

%apita& appre%iation' and ta" saves purpose' &i*uidit!' #aretai&it! and safet!. Majorit! of the

investors prefer in rea& estate invest#ent' fo&&o$ed ! #utua& fund s%he#es' go&d and pre%ious

#eta&s. Majorit! of investors in :*uit! Shares are e#p&o!ee. ,he! preferred on&! gro$th options

%o#pared to in%o#e options. Majorit! of the investors are ver! #u%h interested to tae the reE

invest#ent enefit rather than regu&ar dividend.

#e(de (-d you-. (077)

:"a#ined the re&ationship et$een organi@ation %&i#ate' e#p&o!ee attitude' %usto#er

satisfa%tion and sa&es perfor#an%e and %on%&uded that tea#$or %&i#ate' jo ena&ers and

support %&i#ate are organi@ationa& %&i#ate varia&es' %o##it#ent is an e#p&o!ee attitude and

%usto#er satisfa%tion and sa&es a%hieve#ent are organi@ationa& perfor#an%e #easures.

Mo4(-ty (077


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It e"a#ined the se%urit! #aret g&oa&&! has een ver! vo&ati&e in the re%ent past

thousand point #ove#ent either $a! in the do#esti% #aret in a sing&e da! have e%o#e order

of the da! the retai& investor are genera&&! a&$a!s at the re%eiving end this ind of high vita&it! as

the #aret taes the eating the #e&tdo$n of Bo#a! sto% e"%hange QSense"2 and nationa&

sto% e"%hange Qnift!2 &ed to erosion of severa& %rores of retai& investors hea&th this is the reason

of se%urit! and e"%hange oard of India has fe&t the need to %ut the %ost of u!ing #utua& fund

s%he#es to #aes it a via&e vehi%&es of invest#ent for the retai& investor to parti%ipate in the

e*uit!.

#(-(1t4y" R%" (0778)

>evea&ed that' Investors $ho# have hitherto een investing in assured return s%he#es

&ie fi"ed deposits and s#a&& savings often refuse to &oo at anther s#art options &ie share just

e%ause the! do not offer guaranteed returns. It $i&& e *uite a %ha&&enge for the industr! to ring

investor into its fo&d. ,he industr! $i&& a&so have to ensure that as and $hen these investors

de%ided to eing investing in e*uit! shares' the! se&e%t the right t!pe of funds and invest $ith a

&ong ter# vie$ in #ind.

Syed T(b(0+o Sut(-( (0717)

In his stud!' an e#piri%a& studies of Indian individua& investors2 ehavior' #entioned

that age for the #ajor differen%e in ris taing de%isions ! the investors. ,he order an investor'

the etter see#ed hisGher perfor#an%e in %o#parisons to the !ounger ones. ver%onfiden%e in

their one invest#ent ai&it! a#ong the !oungsters &arge&! a%%ounts for the e"%essive trading

a#ong !ounger investors &eading to &o$er returns and this dire%t to de%&ine in the ris to&eran%e

&eve&.

Si-.4 (0710)

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Ana&!@ed that the Indian investors and oserved that #ost of the respondents do not have

#u%h a$areness aout the various fun%tion of Sto% Maret and the! are it %onfused regarding

invest#ent in shares. ,he stud! found that so#e de#ographi% fa%tors &ie gender' in%o#e and

&eve& of edu%ation have their signifi%ant i#pa%t over the attitude to$ards shares. n the %ontrar!

age and o%%upation have do not found inf&uen%ing the investor2s attitude. ,he stud! noti%ed that

return potentia& and &i*uidit! have een per%eived to e #ost &u%rative enefits of invest#ent in

shares and the sa#e are fo&&o$ed ! f&e"ii&it!' transparen%! and affordai&it!.

CHAPTER 8 ?

31


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OBJECTIVES

RESEARCHMETHODOO#Y

OBJECTIVES O! THE STUDY

7% ,o deter#ine the &eve& of a$areness aout shares a#ong Indian investor.


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RESEARCH METHODOO#Y

,he *ua&it! and re&iai&it! of resear%h stud! is dependent on the infor#ation %o&&e%ted in

a s%ientifi% and #ethodo&ogi%a& #anner. S%ientifi% p&anning of designing of resear%h #ethod is a

&ue print for an! resear%h stud!. Proper ti#e and attention given in designing this resear%h.

Se&e%tion of #ethodo&og! for a parti%u&ar proje%t is #ade eas! ! sorting out a nu#er of

a&ternative approa%hes' ea%h of the# having its o$n advantage and disadvantages. :ffi%ient

design is that $hi%h ensure that the re&evant data are %o&&e%ted a%%urate&!. >esear%h is the

so&ution of the pro&e#' $hether %reated or a&read! generated.

&7' Re0e()+4 De0i.-

>esear%h design is the first and fore#ost step in #ethodo&og! adopted and undertaing

resear%h stud!. It is overa&& p&an for the %o&&e%tion and ana&!sis of data in the resear%h proje%t.

,hus it is an organi@ed' s!ste#ati% approa%h to e the for#u&ation' i#p&e#entation and %ontro&

of resear%h proje%t.

In fa%t a $e&& p&anned and $e&& a&an%ed resear%h design guards against %o&&e%tion of

irre&evant data and a%hieves the resu&t in the est possi&e $a!.

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,he resear%h design is a #aster p&an spe%if!ing the #ethod and pro%edures for %o&&e%ting

and ana&!@ing needed infor#ation. ,he resear%h design in this proje%t is 5:SC>IP,IF: and

5es%riptive resear%h in%&udes surve!s and fa%tEfinding in*uiries of different inds.

&


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&(' S(m1i-. Sie:

7 >espondents

&b' S(m1i-. U-it:

:"isting investor in $()*y Sto+, B)o,i-.

&+' S(m1i-. A)e(:

Patia&a

&>' D(t( A-(y0i0

,he data %o&&e%ted through surve! $as ana&!@ed $ith he&p of si#p&e per%entages. ,au&ar

and graphi% #ethods' $hi%h in%&uded pie %harts and ar graphs' are used to ana&!@e data. ,o

#easure the %usto#er satisfa%tion' I had %overed aost 7 investors in Patia&a.

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CHAPTER 8 @

ANAYSIS ANDINTERPRETATION

!INDIN#36


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7% O++u1(tio-

?re*uen%! Per%ent Fa&id

Per%ent

Cu#u&ative

Per%ent

overn#ent e#p&o!ee 0< 3.1 3.1 3.1

Private e#p&o!ee 1< 00./ 00./ etired / 10./ 10./ 177.7

,ota& 7 177.7 177.7

37


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ccupation

G'(). E*+,'

P/0() E*+,'

!0*

R)0/

ANAYSIS:

?or #! ana&!sis purpose I have 87N respondent out of $hi%h 7 respondents are

interested in invest#ent in shares. ut of those 7' #ost interested investors are govern#ent

e#p&o!ees i.e. 3.1N and &east interested in Shares are retired peop&e i.e. 10./N and rest 17

respondent are interested to invest in other se%urities e%ause the! thin thet the! earn #ore

profit then :*uit! shares.


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Age -roup

2 - 4

4 - 6

A'( 6

ANAYSIS:

?ro# the aove graph' it is oserved that DD.3N of the respondents are in the age group

of 07 K D7 !ears' 31.DN of the respondents are in the age group D7 K


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%ducation

I,,0)/)

M)/0S0'/ '/

G/)0'

P') G/)0'

D')'/)

ANAYSIS

?ro# the aove graph' it is oserved that DD.0N of the respondents are raduate' 0D.0N

of the respondents are Post graduate' 17N of the respondents are i&&iterates and 3N of therespondents are 5o%torate. Majorit! of the respondents are raduate.

>% A--u( 4ou0e4od i-+ome


Per%ent

Cu#u&ative

Per%ent

Less than 1. &ah 13 18.< 18.< 18.<

1. to 3 &ah 07 08.< 08.< D.1

3 to &ah 03 30./ 30./ 87.7Aove &ah 1D 07.7 07.7 177.7

,ota& 7 177.7 177.7

4


41/67

Annual household income

L )9 1.5 ,:9

1.5 )' 3 ,:9

3 )' 5 ,:9

A'( 5 ,:9

ANAYSIS:

?ro# the aove graph' it is oserved that 18.


42/67

Interested in In.estment

Y

N'

ANAYSIS:

,his graph sho$s that' it is oserved that /8.


43/67

In.estment

F0; D+'0)

P/'+/)

S9/

I/

M),


44/67

More +rotable

F0; +'0)

M), F

S9/

C'**'0)

ANAYSIS:

?ro# the aove ta&e' out of 7 respondents' it is oserved that


45/67

b/ecti.eMoti.e

L'= )/* P/'>)

R=,/ P/'>)

S/ F)/

T; >)

ANAYSIS:

In the aove graph' it is oserved that 37N of the respondents are investing for the

purpose of &ong ter# profits' 07N invest for the purpose of generating regu&ar in%o#e'

31.DN of #a"i#u# respondents are those $ho invest to se%ure their future O 18.eturn 0./D08

?uture out&oo 3.D08

Brand va&ue D.D081

>is fa%tor D.181D

45


46/67

.5

11.5

22.5

3

3.54

4.55

1eason for In.estment

ANAYSIS:

In aove figure sho$s that' out of 7 respondents' after finding the #ean saving for

future has got 0.1D3 #ean and ta" in%entives has got 3.1D08#ean' return has got

0./D08 #ean' future out&oo has got 3.D08 #ean' rand va&ue has got D.D081

#ean (#a"i#u#) O ris fa%tor has got D.181D #ean.

7;% I0 i-*e0tme-t i- euity 04()e0 0(=eK


Per%ent

Cu#u&ative

Per%ent

es


47/67

Is in.estment in %quit share safe3

Y

N'

ANAYSIS:

In this graph' it is oserved that out of 7 respondents $ho are interested in invest#ent

into shares' /.N respondents are sa!ing that e*uit! shares units are safe and D.3N

respondents are sa!ing e*uit! shares are not safe.

77% W4(t i0 you) eG1e+ted )etu)-K


Per%ent

Cu#u&ative

Per%ent

Less than 17N 13 18.< 18.< 18.<17N to 37N 38 D.3 D.3 0./

Aove 37N 1/ 0.1 0.1 177.7

,ota& 7 177.7 177.7

47


48/67

%4pected 1eturn

L )9 1?

1? )' 3?

A'( 3?

ANAYSIS:

In this graph' 18.


49/67

1is5

M00** R0:

M'/) R0:

$0=9 R0:

ANAYSIS:

?ro# the aove graph' out of 7 respondents' it is oserved that D1.DN respondents %an

ear #ini#u# ris' D0./N #ajorit! of respondents %an ear #oderate ris and 1.N

respondents %an ear high ris.

75% W4i+4 i-=o)m(tio- do you )ey o-K


Per%ent

Cu#u&ative

Per%ent

Prospe%tusGse&f ana&!sis 00 31.D 31.D 31.D

9e$spaper 10 1.1 1.1 D8.<

Invest#ent advisor 1 01.D 01.D 7.7,F 11 1. 1. 8.

?riends 17 1D.3 1D.3 177.7

,ota& 7 177.7 177.7

4%


50/67

Information

P/'+),< A,0

N@++/

I()*) (0'/

TV

F/0

ANAYSIS:

In the graph' out of 7 respondents' it is oserved that 31.DN #ajorit! of respondents

%o&&e%t infor#ation through prospe%tusGse&fEana&!sis' 1.1N respondents %o&&e%t

infor#ation through ne$spaper' 01.DN respondents tae infor#ation through invest#ent

advisor' 1.N respondents tae infor#ation through ,F and 1D.3N &east of respondents%o&&e%t infor#ation through ?riends.

7>% W4(t i0 t4e mo0t im1o)t(-t +)ite)io- =o) you =o) 0ee+ti-. ( 1()ti+u() euity

04()e0K


Per%ent

Cu#u&ative

Per%ent

Past perfor#an%e 08 D7.7 D7.7 D7.7

Servi%e 07 08.< 08.<


51/67

Most Important riterion

P) P/


52/67

6e.el of Satisfaction

S)0>

D0)0>

N0)9/ S)0> '/

D0)0>

ANAYSIS:

?ro# aove graph' it is oserved that D.3N #ajorit! of respondents are satisfied to

pur%hase a #utua& fund and D.3N of the respondents are not satisfied to pur%hase a share.

7@% W4(t de=i+ie-+ie0 do you =i-d i- you) euity 04()e0K


Per%ent

Cu#u&ative

Per%ent

,ra% re%ord 1< 00./ 00./ 00./

,ransparen%! 1/ 0.1 0.1 7.7

Servi%e ua&it! 18 0. 0. .An! other 1 0D.3 0D.3 177.7

,ota& 7 177.7 177.7

52


53/67

Deciencies in %quit Share

T/: /'/

T/+/

S/(0 ,0)

A ')9/

ANAYSIS:

?ro# the graph out of 7 respondents' 0.1N respondents are sa!ing transparen%! is the

#ajor defi%ien%! in shares and 00./N respondents are sa!ing tra% re%ord of other

defi%ien%ies in e*uit! share' 0D.3N respondents are sa!ing that an! other reason aredefi%ien%ies in shares O 0. of the respondents sa!ing servi%e *ua&it! is the defi%ien%ies

of shares.

7% I0 t4e +ommi00io- +4().ed by t4e t)(di-. 0ite )e(0o-(beK


Per%ent

Cu#u&ative

Per%ent

es DD


54/67

ommission harged is 1easonable

Y

N'

ANAYSIS:

?ro# this graph' it is oserved that etired respondents are &east interested into invest in :*uit! shares e%ause the! $ant

regu&ar in%o#e.

• Majorit! of 07 K D7 !ears respondents are interested into invest in e*uit! shares e%ausethe! $ant %apita& appre%iation.

• 10.N of the respondents don2t invest into e*uit! shares e%ause the! earn #ore profit

through ?5' #utua& funds' propert! O insuran%e.

• Majorit! of respondents invest into shares for se%ure future and ta" saving

• Peop&e re&! #ore on infor#ation supp&ied ! invest#ent adviser O than ! se&f ana&!sis.

54


55/67

• 3.1N respondents are satisfied ! trading site e%ause there is no e"tra %harge ! this

site.

• D.3N peop&e are satisfied $ith e*uit! shares' D1.DN peop&e are neither satisfied nor

dissatisfied.

• ,he #ain pro&e# that the peop&e find $ith shares in &a% of no$&edge.

• 08.


56/67

,he #ain reason of invest#ent in Shares is return' diversifi%ation O ris #anage#ent ut peop&e

are not $e&& a$are of these enefits. So if these peop&e are provided re*uired a$areness O

no$&edge Aout share %an a%t as a #ost preferred invest#ent option.

SU##ESTIONS AND RECOMMENDATION

n the asis of surve! %ondu%ted and stud! of se%ondar! data' so#e pro&e#s $ere identified

$ith the peop&e' &ie &ae of no$&edge aout shares' pro%edura& %o#p&i%ation et%. so fo&&o$ing

suggestions are give to arv! sto% roing &td.

• ,he arv! sto% Broing %reate #ere a$areness a#ong peop&e ut sti&& there are #an!

peop&e $ho are not a$are aout shares.

• arv! sto% Broing shou&d eep in vie$ the re%ruit#ents of the rura& se%tor a&so $hi&e

designing the s%he#es.

• ,o pro#ote overa&& gro$th' investor shou&d e strengthened.

56


57/67

• In the ear #aret' there is a need to edu%ate investor aout ris K adjust return and tota&

portfo&io return to ena&e the# to tae infor#ed de%ision.

• arv! sto% Broing shou&d deve&op a $ide roing net$or.

• ,he pro%edura& %o#p&i%ations shou&d a&so e redu%ed.

• Peop&e shou&d e en%ouraged for investing for 3 K < !ears for good return.

IMITATIONS O! THE STUDY

• As the sa#p&e si@e is s#a&&' so the finding %annot e genera&i@ed.

•

>espondent ias %ou&dn2t e ignored.• ,his is a ti#e %onsu#ing resear%h #ethod O the respondents did not have suffi%ient ti#e

for giving infor#ation for su%h t!pe of resear%h.

• Peop&e $ere re&u%tant to give responses for su%h t!pe of resear%h.

57


58/67

• Peop&e a&so did not give proper response for uestionnaire O intervie$' e%ause of short

ti#e.

• Stud! is restri%ted to on&! Patia&a Cit!.

• ,he peop&e in high in%o#e and are not easi&! approa%ha&e under this #ethod and to

that e"tent the data #a! prove inade*uate.

• ,he surve! is tota&&! depending on the response given ! the respondents' $hi%h #a!

so#eti#es &ead to $rong %on%&usions due to neg&igen%e of the peop&e $ho are surve!ed.

• ,here is a &i#ited &ength of *uestionnaires depth as in persona& intervie$s.

BIBIO#RAPHY

Boo,0 Re0e()+4 P(1e)0:

Avadhani. F.A. Invest#ent Manage#ent' 3rd :dition' Mu#ai6 i#a&a!a Pu&ish

ouse' 1///.

Bha&&a' B.. Se%urit!' Ana&!sis and portfo&io Manage#ent' 1 st :dition 9e$ 5e&hi6

S.%hand O C.Ltd.' 0770.

58


59/67

5esai Fasant' Indian ?inan%ia& S!ste# i#a&a!a Pu&ishing ouse' 9e$ 5e&hi. ?isher

5ona&d :. and 4ordan >ona&d j.' Se%urit! Ana&!sis and Portfo&io Manage#ent Prenti%e

a&& of india' Pvt. Ltd. Si"th :dition' 9e$ 5e&hi.

5esigan nana' a&ase&vi S and Anu!a L (077. (0773)' 9e$ Age Internationa& pvt. Ltd.' >esear%h Methodo&og!.

othari C.>. (1//) Se%ond edition' resear%h #ethodo&og! K #ethods and te%huni*ues.

• M.. A9' ?inan%ia& Servi%es' ,ata M%ra$Ehi&& Pu&ishing Co#pan! Li#ited

(077)' 3rd

edition.• S:BI K 9CA:>'0777' Surve! of Indian Investors' S:BI' Mu#ai.

• F.A.Avadhani (0773). i#a&a!a pu&i%ities' Se%urit! Ana&!sis And portfo&io

Manage#ent.

• arv! K ,he ?inapo&is

• arv! K Business Asso%iates Manua&

• ,he :%ono#i% ,i#es

• Business Standard

• ?a%t sheet and state#ents of various funds houses.

Web Site0:

• $$$.theEfinapo&is.%o#

• $$$.arv!.%o#

• $$$.#utua&fundsindia.%o#

• $$$.#one!%ontro&.%o#

• $$$.!ahoofinan%e.%o#

• $$$.three%ono#i%ti#es.%o#

• $$$.rediff#one!.%o#

• $$$.seindia.%o#

• $$$.nseindia.%o#

5%

http://www.the-finapolis.com/http://www.karvy.com/http://www.mutualfundsindia.com/http://www.moneycontrol.com/http://www.yahoofinance.com/http://www.threeconomictimes.com/http://www.rediffmoney.com/http://www.bseindia.com/http://www.nseindia.com/http://www.the-finapolis.com/http://www.karvy.com/http://www.mutualfundsindia.com/http://www.moneycontrol.com/http://www.yahoofinance.com/http://www.threeconomictimes.com/http://www.rediffmoney.com/http://www.bseindia.com/http://www.nseindia.com/


60/67

• $$$.investopedia.%o#

• $$$.a#fiindia.%o#

• $$$.a&tavista.%o#

• $$$.sei.gov

ANNEURE

N(me:9

Add)e00:9

Mobie -o%:9

E9m(i (dd)e00:9

6

http://www.investopedia.com/http://www.amfiindia.com/http://www.altavista.com/http://www.sebi.gov/http://www.investopedia.com/http://www.amfiindia.com/http://www.altavista.com/http://www.sebi.gov/


61/67

7% O++u1(tio-:9

□ overn#ent :#p&o!ee

□ Private :#p&o!ee

□

Business#an□ >etired


62/67

□ Long ter# profit

□ >egu&ar profit

□ Se%ure future

□ ,a" enefits

% Ho2 do you 1)io)itie t4e )e(0o- =o) i-*e0tme-tKR>an fro# 1 to ' 1 eing highest priorit!

□ Saving for future

□ ,a" saving

□ >eturn

□ ?uture out&oo

□ Brand va&ue

□ >is fa%tor

7;% I0 i-*e0tme-t i- euity 04()e 0(=eK

□ es

□ 9o

77% W4(t i0 you) eG1e+ted )etu)-K

□ Less than 17N

□ 17N to 37N

□ Aove 37N

7% W4(t i0 t4e mo0t im1o)t(-t +)ite)io- =o) you =o) 0ee+ti-. ( 1()ti+u() EuityS4()eK

□ Past Perfor#an%e

□ Servi%e

□ Pro#oters Ba%ground

□ An! ther

62


63/67

7?% W4(t i0 you) e*e o= 0(ti0=(+tio- =)om you) Euity 04()eK

□ Satisfied

□ 5issatisfied

□ 9either Satisfied nor 5issatisfied

7@% W4(t de=i+ie-+ie0 do you =i-d i- you) Euity S4()eK□ ,ra% re%ord

□ ,ransparen%!

□ Servi%e ua&it!

□ An! other

7% I0 t4e +ommi00io- +4().ed by t4e t)(di-. 0ite )e(0o-(beK

□ es

□ 9o

DAIY TRAININ# REPORT

1G1G071<

?rida!

,his is #! first da! of training. ,oda! I introdu%e #!se&f to Mr.

agandeep Singh(Bran%h Manager of arv! Sto% Broing &td.Patia&a)

1


64/67

0G0G071<

,uesda!

,oda! $e go to IC 9aha. ?or the purpose of a%%ount opening

3G0G071<;ednesda!


DG0G071<

,hursda!


G0G071<

?rida!

,oda! $e set a %anop! at the front of arv! Sto% Broing Patia&a.


65/67

1/G0G071<

?rida!

,oda! $e go to 5ena an and #eet their e#p&o!ees. ive the#

presentations aout arv! de#at servi%e O offers.

07G0G071<Saturda!


A&so open so#e ne$ a%%ount.

00G0G071<

Monda!

;at%h gainer' &oser O g&oa& #arets. pen so#e ne$ O >eEC

a%%ounts. Attend so#e ne$ %&ient.

03G0G071<

,uesda!



0DG0G071<

;ednesda!



0G0G071<

,hursda!


A&so open so#e ne$ a%%ount.

0eE

C %usto#ers.

1G3G071<,uesda!

;at%h gainer O &osers of the da! O foreign #arets. Ca&&ing to >eE

C %usto#ers.

0G3G071<;ednesda!

;at%h gainer O &osers of the da! O foreign #arets. Attend so#e %a&&s

of %&ients.

3G3G071<

,hursda!


C %usto#ers.

DG3G071<

?rida!


C %usto#ers.

G3G071<

Saturda!

Meet $ith ne$ %&ients and open there a%%ounts.

8G3G071<,uesda!

,oda! $e go to rienta& Ban of Co##er%e and give a presentation to

their e#p&o!ees.

65


66/67

/G3G071<

;ednesda!

;at%h gainer O &osers of the da! O foreign #arets. Attend %a&& of

%&ients.

17G3G071<,hursda!

,oda! $e go to rienta& Ban of Co##er%e #eet $ith so#e persons

and te&& the# aout arv!

11G3G071<

?rida!


%&ients.

10G3G071<

Saturda!

o to %&ients ho#e and give a presentation aout soft$are of arv!

and insta&&ed soft$are on their &aptop.

1DG3G071<

Monda!


%&ients.

1G3G071<

,uesda!


%&ients.

1eEC


1/G3G071<Saturda!

o to fie&d and #eet $ith so#e ne$ %&ients. ive a presentation to

%&ient aout servi%es of arv!.

01G3G071<Monda!

;at%h gainer' &oser O g&oa& #arets. Attend so#e %&ient. Ca&&ing to

%&ients. ive rate of shares to %&ients.

00G3G071<

,uesda!

;at%h gainer' &oser O g&oa& #arets. Ca&&ing to ne$ %&ient $hi%h

persons are interested to dea& $ith arv!.

03G3G071<

;ednesda!

o to %&ient2s ho#e and open so#e a%%ounts a&so give the# aa

presentation aout servi%es of arv!.

08G3G071<

Monda!

O- e(*e

0/G3G071<,uesda!

;at%h gainer' &oser O g&oa& #arets. Attend so#e %&ient. Ca&&ing to

%&ients. ive rate of shares to %&ients.

66


67/67

37G3G071<

;ednesda!

Attend C&ients. Ca&&ing to C&ients.

31G3G071<,hursda!

ive rate of shares to %&ients through %a&&ing.

1GDG071<

?rida!

,oda! is ver! i#portant da! for us. Area head O %&uster head %a#e in

the ran%h and suggest us aout attend the %&ients.

0GDG071<

Saturda!

,oda! $e set a %anop! in the front of 5ena Ban. And open So#e ne$

A%%ounts

DGDG071<

Monda!

Ca&&ing to %&ients and head offi%e send us a date of Professors of

Punjai +niversit! for %a&&ing.

GDG071<

,uesda!

,oda! $e %a&& 077 professors of Punjai universit! for the purpose of

ne$ de#at a%%ount opening.

1.investor's perception towards various investment parameters

Documents