S.

K SOMAIYA COLLEGE OF ARTS, SCIENCE AND

COMMERCE

PROJECT REPORT ON

“Investment Options Available To Middle Class

People In India”

Submitted for the partial fulfillment of Degree of B.M.S.

By
Ganesh Dilip Jain
T.Y. B.M.S. (Sem)
(University Seat No: )
UNDER THE GUIDANCE OF
PROF.
 DECLARATION

I, Ganesh Dilip Jain, student of S.K Somaiya College Of

Arts, Science And Commerce, Vidyavihar of TYBMS (SEM V),
hereby declare that I have completed this project on “Investment
Option Available To Middle Class People In India” in the
academic year 2013-14. The information submitted here is true and
original to the best of my knowledge.
 CERTIFICATE
I, Prof., hereby certify that Ganesh Dilip Jain student of
S.K SOMAIYA COLLEGE OF ARTS, SCIENCE AND
COMMMERCE,VIDYAVIHAR of TYBMS (SEM V), has
completed a project on “Investment Option Available To Middle
Class People In India ” in the academic year 2018 -19 under my
guidance. The information submitted is true and original to the best
of my knowledge.

__________ __________
Signature of Signature of
Principal Project Guide

__________ __________
Signature of Signature of
External Examiner BMS Co-ordinator
 ACKNOWLEDGEMENT
I would like to acknowledge the following as being idealistic channels and fresh dimensions in
the completion of this project.

I take this opportunity to thank the University of Mumbai for giving me chance to do this project.

I would like to thank my Principal, ____________ for providing the necessary facilities required
for completion of this project.

I take the opportunity to thank our Coordinator __________ for her moral support and
guidance.

I would also like to express my sincere gratitude towards my project guide ______________
whose guidance and care made the project successful.

I would like to thank my College Library, for having provided various reference books and
magazine related to my project.

Lastly, I would like to thank each and every person who directly or indirectly helped me in the
completion of the project especially my Parents and Peers who supported me throughout my
project.
 INDEX

Contents Page Number

Chapter 1 1-11

Chapter 2 12-24

Chapter 3 25-46

Chapter 4 47-63

Chapter 5 64-70
 CHAPTER-1

1.1 INTRODUCTION

Saving forms an important part of the economy of any nation. Savings act as an important
driver for the economy growth of any nation. Present Indian financial scenario too presents a
plenty of investment options to the investors. Though certainly not the deepest or the best of
the markets in the world, it has reasonable options available for the Indian investors to invest.

Investment is a term, which is frequently used in the field of economics, business

management, finance and it means savings or savings made through delayed consumption.
One needs to invest and earn return on their ideal resource and generate a specific sum of
money for a specific goal in life and make provision for an uncertain future.

Investment can be defined as “The act of committing money or capital to an endeavor with
the expectation of obtaining and additional income or profit.”

Investing means putting your money to work for you. The money you earn is partly spent and
the rest saved for meeting future expenses. Instead of keeping the savings idle you may like to
use savings in order to get return on it in the future. This is called Investment.

One of the important reasons why one needs to invest wisely is to meet the cost of Inflation.
Inflation is the rate at which the cost of living increases. The cost of living is simply what it
costs to buy the goods and services you need to live. Inflation causes money to lose value
because it will not buy the same amount of a good or a service in the future as it does now or
did in the past.

The three golden rules for all investors are:

 Invest early
 Invest regularly
 Invest for long term not for short term