Summer Training Project Report on

Project Report submitted by:



Submitted in partial fulfillment for the Award of degree of Master of Business Administration



Academic Year 2012-2013

• • • • • • • • • • • • • To understand all about different investment avenues available in India. To find out how the investors get information about the various financial instrument To find out how the investor wants to invest i.e. on his own or through a broker. To find out the saving habits of the different customers and the amount they invest in various financial instruments. In which type of financial instrument they like to invest. How long they prefer to keep their money invested. What is the return that they expect from the investment? What are the various factors that they consider before investing? To find out the risk profile of the investor. To give a recommendation to the investors that where they should invest. To give a suggestion to the company where its funds lack in the market & how it should be rectified. After all as a management trainee I will try to get some valuable knowledge from my seniors in the organization as well as from my faculty guide which will help me in the future. To evaluate the consumer attitude towards saving and decision making regarding investments.

• Total number of financial instrument in the market is so large that it needs a lot of resources to analyze them all. There are various companies providing these financial instruments to the public. Handling and analyzing such a varied and diversified data needs a lot of time and resources. • As the project is based on secondary data, possibility of unauthorized information cannot be avoided. • Reluctance of the people to provide complete information about them can affect the validity of responses. • Due to time and cost constraint study will be conducted in only selected area of Lucknow. • The lack of knowledge in customers about the financial instruments can be a major limitation. • The information can be biased due to use of questionnaires.


• It is the oldest one in Asia.• The Stock Exchange. of India under the Securities Contracts (Regulation) Act. popularly known as "BSE" was established in 1875 as "The Native Share and Stock Brokers Association". which was established in 1878 • It is the first Stock Exchange in the Country to have obtained permanent recognition in 1956 from the Govt. Mumbai. 1956. even older than the Tokyo Stock Exchange. .

infrastructure. clearing and settlement and investor service. • The Indian Capital Markets are a far cry from what they used to be a decade ago in terms of market practices. . technology. It started operations in June 1994. • It has been playing a leading role as a change agent in transforming the Indian Capital Markets to its present form. risk management.NSE (NATIONAL STOCK EXCHANGE) • NSE was incorporated in 1992 and was given recognition as a stock exchange in April 1993. with trading on the Wholesale Debt Market Segment.


and ranked among the top five in the country in all its business segments. • The birth of Karvy was on a modest scale in 1981. is a premier integrated financial services provider. It began with the vision and enterprise of a small group of practicing Chartered Accountants who founded the flagship company. services over 16 million individual investors in various capacities. . cuttingedge technology. and provides investor services to over 300 corporate. • KARVY with the help of highly qualified manpower. comprising the who is who of Corporate India. comprehensive infrastructure and total customer-focus has secured for the position of an emerging financial services giant enjoying the confidence and support of an enviable clientele across diverse fields in the financial world.• KARVY.


ACHIEVEMENTS • • • • • • • • • Among the top 5 stock brokers in India (4% of NSE volumes) India's No. 1 Registrar & Securities Transfer Agents Among the top 3 Depository Participants Largest Network of Branches & Business Associates ISO 9002 certified operations by DNV Among top 10 Investment bankers Largest Distributor of Financial Products Adjudged as one of the top 50 IT uses in India by MIS Asia Fully Fledged IT driven operations .

MAJOR AREAS OF OPERATIONS • • • • • • • Karvy Consultants Limited Karvy Stock Broking Limited Karvy Investors Services Limited Karvy Computershare Pvt. Limited Karvy Global Services Limited Karvy Comtrade Limited Karvy Insurance Broking Private Limited .


Securities Real Estate Commodities .TYPES OF INVESTMENT OPTIONS AVAILABLE IN THE MARKET • • • • • • • Mutual Funds Bond/IPO’s Insurance Fixed Deposits Govt.



and the take the sample from to various stock broking company. . It can be either of the side.000 100 METHODS • The method used in the research (survey) is of probability type as we are unaware about the results.SAMPLING DESIGN • Sampling Area • Sample Population • Sample Size : : : Lucknow city above 15. • The research is based on Convenience Method s. It is area of Lucknow city under which we have to conduct the research.

RESEARCH DESIGN • • • • • • Research Data Source Research Method Research Technique Type of Questionnaire Type of Questions : : : : : : : Descriptive & Objective Primary data Survey Method Questionnaire Structured Closed & Open ended Questions 15 • No of Questions .


Do you know about the following Financial Instrument? Response Rate 100 80 60 40 20 0 92 76 76 54 54 62 56 Series1 Series1 Mutual Funds 92 Bonds/IPO' Insurance s 76 76 Fixed Deposits 54 Govt. Commoditi Real Estate Securities es 54 62 56 .Ques 1.

Ques 2. How do you get information regarding these Financial Instruments? Response Rate 60 40 20 0 Advertisement Company Sales force Series1 Friends / Relatives Magazines /Newspaper Magazines /Newspaper 50 Advertisement Series1 52 Company Sales force 44 Friends / Relatives 36 .

Insurance Securities 2 3 FD 2 Real Estate 1 IPO 2 Commodi ties 1 . Ratings of Investment options as per the customer's preference Scale of preference 3 2 1 0 Series1 Mutual Funds Series1 3 Bonds 2 Govt.Ques 3.

Ques 4. Do you invest in Financial Instruments? 100 Response Rate 80 60 40 20 0 Series1 Yes No Series1 Yes 87 No 13 .

Where do you invest your savings? Response Rate 80 60 40 20 0 Series1 Fixed Deposits Series1 74 Equity 26 Mutual Funds 36 Post Office 40 Commodi Derivativ Insurance ties es 46 48 16 Others 26 .Ques 5.

What are the factors which you consider while investing in any Financial Instrument? Response Rate 80 60 40 20 0 Series1 Return (capital Tax saving appreciation) Series1 70 52 Liquidity 28 Regular income flow 16 Safety 44 Risk 26 .Ques 6.

On what basis you will invest in any particular Financial Instrument? 50 40 30 20 10 0 Series1 Past Performance Series1 38 Portfolio 50 Fundamental/T echnical Fund Manager Analysis 10 40 Market Sentiment 44 .Response Rate Ques 7.

How will you invest your money in any Financial Instrument? 60 50 40 30 20 10 0 Yourself Sub broker / Agents Through banks Yourself 56 Sub broker / Agents 60 Through banks 30 Series1 Response Rate Series1 .Ques 8.

How long you prefer to keep your money in any Financial Instrument? 60 Response Rate 40 20 0 Less than 6 months 6 months to 1 year Series1 1 year to 3 year More than 3 years More than 3 years 10 Less than 6 months 6 months to 1 year Series1 12 46 1 year to 3 year 32 .Ques 9.

Ques 10. If you select a broker or agent then which broker company would you select? 60 50 40 30 20 10 0 Response Rate Series1 Share Khan Series1 20 Kotak HDFC ICICI Motilal Indiabull Angel Just Karvy Securitie Marwadi Religare Securitie Direct Oswal s Broking Trade s s 60 20 14 50 20 20 28 14 8 10 Others 0 .

Ques 11. What influences you to invest your amount? 100 80 60 40 20 0 Series1 Response Rate Independently Series1 10 Broker/Agent 84 News Papers 34 Internet 2 Tax Consultant 14 .

Ques 12. Which of these would you like to be trading in? 70 60 50 40 30 20 10 0 Equity Derivatives Commodities Equity 62 Derivatives 68 Commodities 10 Series1 Response Rate Series1 .

Which are the constraints that you might consider while investing? Response Rate 80 60 40 20 0 Risk Taking ability Fund Facility Return on Investment Series1 Time Duration Company Investment position Time Duration 18 Company Investment position 10 Risk Taking ability Fund Facility 62 Return on Investment 30 Series1 30 .Ques 13.

Ques 14. How much return you expect from any Financial Instrument? Response Rate 60 40 20 0 10% to 20% 20% to 30% Series1 30% to 50% More than 50% Series1 10% to 20% 10 20% to 30% 22 30% to 50% 50 More than 50% 18 .

Ques 15. Will you invest your money for saving the Tax in any Financial Instrument? Response Rate 80 60 40 20 0 Yes No Series1 Series1 Yes 80 No 20 .

Next comes is the facilities given to them under the funds and also the ROI (return on investment).FINDINGS • This is probably the most important question of the questionnaire. There are other factors also like time duration of their investment and Company reputation in the market. . the result of this question is that most of the people think of (RISK TAKING ABILITY) because it is the most crucial constraint.

• In the survey there were lot of people who were in the age group of above 60. • The age group of 41-50 years. Investor in this group are invested in Insurance sector.000 Rs disposable income group. . the primary focus of these investors are retirement and time horizon is likely to be 6-9 years. Fixed deposits can be a good option for them.RECOMMENDATIONS • Mutual Funds can also be offered as they have high risk profile. This is also good potential group for the retirement plan in ULIPs. investors are from the 15. Company should take initiative to get demat account of these customers. For this group of people the company can target Fixed deposits which gives continues return like monthly interests so that they can keep on getting returns.00020.

.e. • Services are must for them and therefore the company must also concentrate on this aspect. • No one loves to lose his hard earned money therefore it should be invested in safer place. no biasness. • Charges of the services provided to them should be reasonable and viable. secrecy of the data given to the company as well as every people must treated as they all are equal i.SUGGESTIONS • Return on Investment is must but the risk also should be minimizing at the same time. • Good advisory services.

• Karvy also provides the facility of trading in almost all the exchanges and therefore whatever the customer demands the company has in its package. • The company also has the advantage of the existing customers where their level of faith and their view about the company to the outside world will be a helping hand for the company to expand its business. • The company also has a very good research team at its Head Office and this is meant for the better working as well as for the customer of Karvy only. .CONCLUSIONS • Karvy has enough number of branches all over India and therefore it is a great advantage for the company and the company also planning to expand its network.

d.d.).karvy.).).d.d.d.d.).com (n.d. K.). www.asp (n.d. New Delhi: • Prentice Hall of India Pvt.icicidirect.d. www. Karvy Finapolis. • ( (n. Business (n.).).).).com (n. • (n. www.). www.nseindia.).bseindia. . (n. (n.) (n.d.).scribd. www.d. www.ncdex. • www. (n. The Economic Times. (n. www. The Mint.d. www.).equitymaster.d.karvy/about.mcx.).REFERENCES • • • • • (n.mutualfundsindia.d.bseindia/ (n. • (n.d.). New Delhi: Tata • McGraw-Hill Publishing Company Ltd. www.d.). Ltd. (n.).com (n. 8th Edition "Business Research Methods". 3rd edition • "Human Resource and Personnel • Management". www.asp. (n. The Millenium Edition • "Marketing Management".com (n.).). • • Kotler.d. New Delhi: Tata • McGraw-Hill Publishing Company Ltd. www. • (n.d. • • Cooper.d.


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