A RESERCH BASED PROJECT REPORT

ON
” A Survey about Financial Planning of
Individuals IN Rajkot City”
For The
“MONEY CARE FINANCIAL PVT LTD.’'

PREPAPED BY
Vishal D. Makwana
Enrolment No - 11011700469
B.B.A. SEM-6

GUIDED BY
Prof. Malde Modhavadiya

INSTITUTE
Shree Brahmanand Institute Of Teacher’s Edu.
Chaparada

SUBMITTED TO
Bhakta Kavi Narsinh Mehta University
Junagadh

ACADEMIC YEAR
2019-2020 1
PREPAPED BY – VISHAL D. MAKWANA
 PREFACE

Practical training is the part of our study in T.Y. B.B.A. it is compulsory for each
student to take training for 10 days in any business sector and prepare the project
report on that service sector.

The training has been undergone at “MONEY CARE FINANCIAL SERVICS

LTD” for the knowledge of practical study of unit. This report contains the true
knowledge of practical. It covers all the various department like, financial
department and personal department.

I have prepared the report of “MONEY CARE FINANCIAL SERVICES LTD”

on the basic of information. Which we wanted from this company.

DATE : SIGNATURE

PLACE : CHAPARADA VISHAL MAKWANA

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PREPAPED BY – VISHAL D. MAKWANA
 ACKNOWLEDGEMENT

This preparation report is my own work, but I have taken help from many persons.
I thankful to all those persons who helped me in this activity.

We express our deepest of gratitude the manager of “MONEY CARE

FINANCIAL SERVICES LTD” and all the members who provided all the
necessary information.

He gives us great in thanking MR. Savan Kotak who helped me out for work.
Without him ever ready help whole hearted guidance, never ending
encouragement and enthusiasm. It was difficult to bring this report to its present
from.

We would be falling our duty if we will not mention thanks to my family

members, relatives and friends to helping us throughout.

DATE - SIGNATURE

PLACE - CHAPARADA VISHAL MAKWANA

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PREPAPED BY – VISHAL D. MAKWANA
 DECLARATION

I am VISHAL D. MAKWANA here by declare that this Project Report entitle “A

survey about Financial Planning of Individuals in Rajkot City” is a result of my own
work and my indebtedness to other work publications, references, if any, have
been duly acknowledged.

PLACE - CHAPARADA SIGNATURE

DATE - VISHAL MAKWANA

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PREPAPED BY – VISHAL D. MAKWANA
 TABLE OF CONTENTS

SR.NO PARTICULAR PAGE

NO.
1. Industrial Information 06

2. Organisation Information 13

3. Swot Analysis 23

4. Primary Study 26

5. Research Methodology 30

6. Data Analysis & Interpretation 33

7. Finding 44

8. Conclusion 45

9. References / Bibliography 46

Annexure

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 INDUSTRIAL INFORMATION

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 About industry information

The financial services industry manages money for individuals and corporations,
it comprises such organizations as commercial and investment banks, insurance
companies, credit-card companies customer finance firms and brokerage firms.

The industry’s services are mainly related to banking and insurance services, asset
management, investments, foreign exchange, and accounting

Financial services companies are present in all economically developed

geographic locations and tend to cluster in local, national regional and
international financial centers such as London, new York city, and Tokyo.

Types of businesses in the industry

• Banking

• Insurance

• Securities brokerage of financial advisory services

• Financial planning

• Securities analysis

Financial services can include employers and career paths in regulatory

agencies and securities exchanges, public accounting firms, and financial
information services.

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 Financial services in India

The financial services sector in India, which accounts for 6% of the nation’s
GDP is growing rapidly. So sectors consists of

• Commercial banks
• Development finance institutions
• Nonbanking financial companies
• Insurance companies
• Cooperatives
• Mutual funds (MF)
• New payment banks

It is dominated by banks, which holds over 60% share

The reserve bank of India (RBI) is the apex bank of the country, controlling
all activities in the financial sector. Commercial banks include public sector
and private sector banks and are under the regulatory supervision of the RBI.

Non-banking finance companies (NBFC) provide loans, purchase stocks and

debentures, and offer leasing, hire purchase and insurance services.

India also has a vibrant capital market with stocks exchanges controlled by
the securities and exchange board of India (SEBI)

Insurance companies function in both public and private sectors and are
controlled by the insurance regulatory and Development Authority (IRDA).

According to “India in business,” a website of the Union Government,

India’s banking sector assets were worth $1.8 trillion in the 2014-15
financial year.
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 Financial services in the rest of Asia
Asia, particularly the eastern region, faced a severe setback with the 1997-98
financial, crises that started with the collapse. However, the Asian financial
sector, particularly banks, has lived to see better days.

The middle-income nations in the region have been able to strengthen their
stock markets and their non banking financial sector. The financial services
sector in the region is lagging way behind that in the US and Europe. But the
potential to develop is huge and sector is developing rapidly.

Along with opportunities for development, the sector also faces threats
to stability.
Reforms and regulatory measures have to quickly initiate.

Types of financial services list and overview

Accounting
Accounting is the process of measuring the financial parameters of a company and
presenting them to investors and managers of the company for making investment decisions
and evolving management strategies.

Brokerage

A firm that functions as an agent for the purchase of stocks or other financial
securities is known as a brokerage.
Full-service brokerage firms study the market and advise their clients on which
securities to buy. Portfolio and pension fund managers are among their clients.

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Consumer finance

The grant loans or other credit lines to consumers is called consumer finance,
and includes auto loans and credit cards

Credit cards

Credit cards are instruments that help the cardholder to make payments for
goods or services without using cash. The bank issuing a credit card offers the
cash holder a line of credit on whichCl3l an interest is charged.

Wealth management

Wealth management (or asset management) is a strategy to help the affluent

maximize returns from their investments by alerting them to investment
opportunities and helping them choose appropriate financial products.

News & reports on financial services

1. Economist
2. Wall street journal
3. Company financials on financial times
4. International business times( India edition )
5. Economic times (India)
6. Business standard

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 Growth of the industry

Growth of the industry in financial sector

The banking system in India is the most extensive. The total asset value of the
entire banking sector in India is nearly US$ 270 billion. The total deposits is
nearly US$ 220 billion.
Banking sector in India been transformed completely. Presently the latest
inclusions such as internet banking and core banking have made banking
operations more users friendly and easy.

Growth of the capital market in India

The ratio of the transactions was increased with the share ratio and deposit
system
The introduction of InfoTech systems in the National stock Exchange (NSE) in
order to cater to the various investors in different locations ,Privatization of
stock exchanges.

Growth in the insurance sector in India

With the opening of the market, foreign and private Indian players are keen to
convert untapped market potential into opportunities by providing tailor-made
products. The competition among the companies has led to aggressive
marketing and distribution techniques.

The active part of the insurance Regulatory and Development

Authority (IRDA) as a regulatory body has provided to the
development of sector

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 Growth of the venture capital market in India
The venture capital sector in India is one of the most active in the financial
sector in spite of the hindrances by the external setup

Presently in India there are around 34 national and 2 international SEBI

registered venture capital funds

Financial sector of India

• Analysis of Indian financial sector

• Bond market in India

• Centrum finance limited

• CIL securities limited

• Growth of financial sector in India

• Karvy group

• L&T finance limited

• Major financial companies in India

• PNB Gilts LTD..Stock market

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 ORGANIZATION INFORMATION

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 History
1850- Shares of banks and securities of east India Company traded in Mumbai
under a sprawling banyan tree in front of town hall, which is now in the hanuman
circle park.

1875-Brokers organized an association known as the native share brokers

association, and the country’s first stock exchange the Bombay stock exchange
(BSE), set up in Mumbai with 318 members.

1875-broker organized an association known as the native share brokers

association, and the country.

First stock exchange the Bombay stock exchange (BSE), set up in Mumbai with
318 members.

1982 – The BSE classifies scripts in to group a for carry forward, and group B
for cash transactions

1986 – The BSE 30 – share sensitively index compiled; updated every two
minutes

1987 – Stock holding corporation of India set up.

1994 – the NSE’ debt segment begins operations on June 30; and the capital
market segment begins online script less trading on November 3.

1996 – NSE 50 index launched April 22.NSDL set up as the first depository in
India, and the NSE commences trading in dematerialized securities on December.

2000 – The SEBI approves the reports on net trading brought out by the SEBI
committee on net based trading and services. Pursuant to the circular ,stock
exchanges are require to give permission to members to start net based trading
after ensuring fulfillment of the minimum conditions.

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Share khan is one of the leading retail broking houses of SSKI group which was
running successfully since 1922 in the country.

It is the retail broking arm of the Mumbai-based SSKI group, which has over
eight decades of experience in the stock broking business.

Share khan offers its customers a wide range of equity related services including
trade execution on BSE, NSE, Derivers, depository services, online trading,
investment advisory, mutual fund advisory etc.

Share khan is one of the leading retail broking house of SSKI group which was
running successfully since 1992 in the country. It is the retail broking arm of the
Mumbai-based SSKI group, which has over eight decades of experience in the
stock broking business. With a legacy of more than 80 years in the stock markets,
the SSKI group ventured in to institutional broking and corporate finance 18 years
ago. The SEBI committee on net based trading and services.

Share khan business

1. Brokering business

2. White feathering house production

Vision
To be the best retail broking brand in the retail business of the stock market.

Mission

To educate and empower the individual investor to make better investment

decisions through quality advices and superior services.

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Stock exchange Mumbai

Sher khan is the retail broking arm of SSKI, an organization with more than
eight decade of trust and credibility in the stock market.

Amongst pioneers of investment research in Indian market.

Leading domestic player in the Indian institutional business.

SSKI group companies

SSKI investor services ltd (sherkhan)

SSKI corporate finance.

Key Official Designation

1 Mr. Shipal Morakhia Chairman

2 Mr Tarun shah C.E.O

3 Mr Kalivan Raman Online sales head

4 Mr. Jason Pandey and Mr Pradeep DP Head

5 Mr. Hemendra Aggarwal Cluster head

6 Mr Amit pal Regional sales manager

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Classic account

This account allows the client trade through the website www.sharekhan.com
and is suitable for the retail investor who is risk-averse and hence prefers to
invest in stocks or who do not trade too frequently.
We have tie up with Eleven banks for online fund transferring i.e. HDFC, IDBI,
CITI OBC INDSLANDAND, and UTI BANK, yes bank, bank of India for online
Money Transfer.

BSE (BOMBAY STOCK EXCHANGE)

The stock Exchange, Mumbai, Popularly known as ‘BSE’ was established in
1875 as ‘The native share and stock Brokers Association. It is the first stock
Exchange in the Country to have obtained permanent recognition in 1956 from
the govt. of India under the securities contracts.

It is a voluntary non-profit making Association of Persons and is currently

engaged in the process of converting itself into demutualized and corporate entity.
It has evolved over the years into its present status as the premier stock Exchange.

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 NSE (NATIONAL STOCK EXCHANGE)
Nse was incorporated in 1992 and was given recognition as a stock exchange in
april 1993. It started operations in june 1994, with trading system on the
wholesale Debt Market segment. It provides a nation-wide, screen –based ,
automated trading system, with a high degree of transparency and equal access to
investors irrespective of geographical location.

It provides a nation-wide, screen-based, automated trading system, with a high

degree of transparency and equal access to investors irrespective of geographical
location.

NSE has been able to take the stock market to the doorsteps of the investors. The
technology has been harnessed to deliver the services to the investors across the
country at the cheapest possible cost.

The high level of information dissemination through on-line system has helped
in integrating on a nation-wise basis.

The standards set by the exchange in terms of market practices, products,

technology and services standards have become industry benchmarks and are
being replicated by other market participates.

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 NCDEX
National commodity & Derivatives Exchange Limited (NCDEX)

Is a professionally managed online multi commodity exchange promoted by

ICICI bank Limited

They are prominent players in their respective fields and bring with them
institutional building experience, trust, nationwide reach, technology and risk
management skills. NCDEX is a public limited company incorporated on April
23, 2003 under the companies

Development and national stock Exchange of India limited (NSE) Punjab

national Bank (PNB)

NCDEX is the only commodity Exchange in the Country promoted by national

level institutions.

This unique parentage enables it to offer a bouquet of benefits. Which are

currently in short supply in the commodity market NCDEX is a nation-level,
technology driven.

About sherkhan
1. Earlier name :shantilal shevantilal kantilal ishwarlal Securities pvt.ltd

2. new name : sherkhan LTD.

3. year of Establishment : 8 February,2000

4. head office : sherekhan ltd. A-206, Phoenih house, baptaMarg ,Lower parle,
Mumbai - 400013

5. promoter : shripal Morakhiya shreyas Morakhiya

6. chief Exeutive officer : Tarun p.shah

7. Director of operations : Shankar valiya

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 Department of Sher Khan

Finance department

Finance is the blood of any business. The finance department directly influences
all the functions of the other departments. The means to carry out its objective as
satisfactory as possible.

Sher khan has special accounts department for separate. Its done by managing the
stocks in the demat accounts and funds in the margin & trading.

Finance is needed for all the activities like production or services as well as their
distribution finance is the administrative area of set of administrative function in
an organization. It have also special account pay-in and pay-out of funds
according to the client’s profit/loss.

Sher khan can be divided into two major parts viz. DP (depository Participate)
and accounts management, which are shown in the figure given above.

DP is treated as a separate department at sherkhan and is covered in the back

office management in the organization structure. Settlements and the auction
which ia a part of managing demat account. Settlements define by SEBI are T+2,
currently and it means that the demit account.

DP means providing the facility to the clients for managing the stock
bought/sold by then DP covers two major terminologies.

The cheques are received from H/O and then payout is done and pay-in as
explained that amounts that amounts to be taken from the clients. In this way,

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accounts are managed but in case if the client is unable to pay.

PREPAPED BY – VISHAL D. MAKWANA

 Human resource management
Human resource is the crucial resource that a company can use to grow with the
work of the employees. Any new recruit is firstly inducted to the company and
sent to T & D department that is covering under HRD and T&D programmers
makes employed aware about all the activities/ jobs within.

HRP (human resource planning) recruitment & selection, career planning and
development assessment & development of employee for performance appraisal,
in the end we can say that the human resource of sherkhan is a best managed and
used for the countinuous growth and development of the company for its future
plans to be achived time-to-time.

Then the specific job training is provided at H/O and the person has to keep in
touch with the concerned department at H/O. internet because he/she has t solve
many conflicts arising in the investors mind and to have an up-date information
regarding the procedures and any new facilities or policies to resolve the
problems of the clients.

The corporate Corporate Culuture at sherkhan is maintained in such a way that

the people are helpful to other and eager to get the work done as soon as possible
with a cooperative thinking.

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 Operation department

The points demand a facility mission that is made up of process. The main points
of consideration are efficiency. Dependability, Quality and flexibility.

The points demand a facility mission that is made up of process, capacity,

facilities, vertical integration, provided to get the desired outputs as per the plan.
The main aim of the operations strategy at sher khan is that the efficiency of the
organization.

It’s depend on high level of it is desired a facility mission that is made up for
processes.

Sherkhan plans the strategies to get a working plan from it and the planning is
done from top-to-bottom level. Quality should be high and consists in delivering
services. The national level, regional level, divisional level and the branch level
planning is carried out by the managers. The main points of consideration are
Efficiently, Dependability, quality and flexibility.

The Capicity, facilities, vertical integration, and infrastructure facilities provided

to get the desired outputs as per the plan.

It really helpful for provide facilities by the process of operations, capacity of the
organizations, competitive advantages, vertical integration and the infrastructure
created by the firm.

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 Research Department
Recived from the research team of sherkhan consisting of 38 dedicated analysts
who have years of working experience in the industries that they track and proven
track record in using their knowledge of the investment science to deliver results.

Sherkhan boasts of strike rates as high as 70-90% in booking recommendations in

the money.

“The company believes in not to lose money and to make some”

• Depository services

• Portfolio doctoring

• Alpha deliver

• Wealth of content and tools to help you make sound investment decisions

• Stability and security

• Substantial shareholding by prestigious foreign institution

• Personalized attention

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 SWOT ANALISIS

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 Strengths

1. Wide range of innovative financial planner

2. Intensive research on all industry sectors
3. Strong I.T infrastructure
4. Have one of the largest network of branches across country
5. Pan-India presence with over 1500 outlets serving 950000 customers across
450 cities

Weakness

1. Penetration limited to urban areas.

Opportunities

1. Growing rural market

2. Earning Urban Youth

3. Educating people about the benefits of investments to

increase target Audience.

Threats

1.stringent Economic measures by government and RBI

2.Entry of foreign finance firms in Indian Market

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 Primary Study

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 Introduction of Financial Planning

Financial planning is the process through which an individual moves towards

meeting personal and financial goals through the development and implementation
of a comprehensive financial plan.

Financial planning is not a static concept but is a dynamic ongoing process.

Financial planning process is complex as it involves various situations, asset
classes, dynamic external environment etc. planning process is complex as it
involves various situations, asset classes, dynamic external environment etc.

Financial planning takes time as it is comprehensive planning which involves

integration of personal and financial goals. It includes risk management (insurance),
income tax management, retirement planning, estate planning, child education
planning, and investment management.

In simple financial planning is what a person does with their money. Individuals
have been practicing financial planning for centuries. Every individuals who
received money had to make a decision about the best way to use it. The decision
was either spends it now or save it to spend later.

By viewing each financial decisions as part of the whole, one can consider its short
and long-term effects on their life goals. person can also adapt more easily to life
changes and feed more secure that their goals are on track.

Financial planning is specific for individual, as no two individuals are identical nor
their finances. It includes risk management , income tax management, retirement
planning, estate planning, child education planning, and investment management.

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 Research objective

The following are the objectives of the study: -

1. To examine retirement planning practices followed by individuals

in wealth Creation stage.

2. To study the levels of awareness amongst the individuals in wealth

creation Stage with regard to financial planning for retirement,
instruments for financial Planning for retirement and about the
institutions/intermediaries.

3. To study the role played by financial investor especially the Certified Financial
Planners in influencing the decisions of individuals in regard To their financial
planning for retirement or other things.

4. To study the factors influencing individual’s action towards investment for any
investing decision.

5. To review the tax reforms being introduced by the Government in

Respect of Income Tax Laws and ascertain its impact on the
salaried Class.

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6. To assess the efficiency of the administrative machinery for
collection of income tax and management of taxation matters as
per the Income Tax lows.

7. To understand and evaluate the tax planning measures being

adopted by the salaried class.

8. To assess whether there is significant differences in the tax

planning Measures adopted by different segments of the
salaried class of the State, based on level of income and type
of organisation.

9. To ascertain the level of awareness of the salaried class on

various tax Planning measures available under the Income Tax
Act.

10. To analyse the impact of tax planning on savings habits and

investment Pattern of the investors

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 RESEARCH METHODOLOGY

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MEANING

The systematic method consisting of enunciating the problem, formulating a

hypothesis, Collecting the facts or data, analyzing the facts and reaching certain
either in the form of solution towards the concerned problem or in certain
generalizations for some theoretical formulation.

INTRODUCTION

This report throws light on the satisfaction level of customer at pantaloons Rajkot.
For completion of this report a survey was conducted and for fulfillment of
questionnaire, a sample size of 100 was selected. Different researchers have defined
research in various ways due to its wide scope.

Research designs

1) DESCRIPTIVE RESEARCH

Descriptive research emphasizes on explaining the phenomenon by providing

factual and accurate information. It is very suitable for research in education.

It is also known as statistical research, describes data and characteristics about the
population or phenomenon being studied. However, it does not answer question
about e.g. how/when/why the characteristics occurred, which is done analytic
research.

Here, I am taking DESCRIPTIVE RESEARCH as my research design because it

helps me to describe my topic with more details.

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SOURCES OF DATA
The task of data collection begins after a research problem has been defined and
research plan chalked out. While deciding about the method of data collection to be
used for the study, first of all the sources of data must be very clear. There are
basically two sources of data.

Primary Data Source

The primary data are those, which are collected afresh for the first time for the
problem solution, and thus happen to be original in character. It may be obtained
from individual, families and representative or from organization.

Data Collection Method:

Data collection is done basically in three ways: Observation Method, Survey

Method and Questionnaire. And in the context of my project study, I have selected
questionnaire method for collecting the data.
There are some data collection instruments which are as under:

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 Data analysis and interpretation

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1. Gender

Particulars No. of Respondents

Male 15

Female 15

Male
Female

INTERPRETATION

The table reveals that I had taken 15% males and 15% females.
Respondent are taken on an equal proportion.

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2.Married Status

Particulars No. of Respondents

Married 12

Un Married 15

Divorced 03

Other 0

Married
Un Married
Divorced
Other

INTERPRETATION

The table reveals that married persons are 12, unmarried persons are 15 and
divorced persons are 03.

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3.Age group

Particulars No. of Respondents

20-25 04

25-35 06

35-45 07

45-55 09

55-65 03

above 65 01

20-25
25-35
35-45
45-55
55-65
above 65

INTERPRETATION

The table reveals that 04 of customers are between the age of 20-25 and 06 are
between the age of 25-35, and the large ratio is of between the ages of 45-55
about 09 respondents and in between the ages of 55-65 are 03 respondents.

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4.Qualification

Particulars No. of Respondents

Graduate 03

Un graduate 05

post graduate 12

professional Qualification 10

Graduate

Un graduate

post graduate

professional
Qualification

INTERPRENTATION

Data shows that 03 respondents are graduate whereas 05 respondents are

undergraduate, 12 respondents are post graduate and 10 respondents are from
professional qualification.

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5.Level of income (Annual)

Particulars No. of Respondents

below 3,00,000 06

up to 3,00,000 to 5,00,000 17

5,00,000 to 10,00,000 04

above 10,00,000 03

below 3,00,000

up to 3,00,000
To 5,00,000
▪ 5,00,000
To 10,00,000
above 10,00,000

INTERPRENTATION

The table shows that 06 respondents having income less than Rs.300000, 17
respondents having the income of between 3 to 5 lakh, 04 respondents having
the income of between 5 to 10 lakh and 03 respondents having the income of
above 10 lakh.

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6.What percentage of your month salary do you save?

Particulars No. of Respondents

Less than 20% 04

Between 20% -35% 11

Between 35%-50% 13

above 50% 02

Less than 20%

Between 20% -35%
Between 35%-50%
above 50%

INTERPRENTATION

The table shows that 04 respondents are saving their money less than 20%, 11
respondents are between 20-35%, 13 respondents are between 35-50% and 02
respondents are above 50% saving their money.

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7. What is your objective while investing?

Particulars No. of Respondents

Saving in income tax 02

Investing for child education 12

Investing for long terms goals while

covering 06
risk of life

Covering risk of life 06

Other 04

Saving in income tax

Investing for child
education
Investing for long
terms goals while
covering risk of life

INTERPRETATION

Here we see that most of the respondents have the objective of

investment for child education, long term goals while covering of life
ang risk of life.

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8.When marking investments which of the following
parameters you focus on?

Particulars No. of Respondents

Gross returns 08

After tax returns 05

After tax returns minus inflection for

the 17
period

Gross returns

After tax returns

After tax returns

minus inflection for
the period

INTERPRETATION

Here we see that from the respondents, most of them are more focus on after tax
returns minus inflation for the period

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9.can you approach financial advisor?

Particulars No. of Respondents

Yes 16

No 14

Yes
No

INTERPRETATION
From the above table we see that 16 are approach to financial advisor
and 14 are not approaching to financial advisor.

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10.Are you satisfied with your previous investment?

Particulars No. of Respondents

Yes 07

No 06

Neutral 17

Yes
No
Neutral

INTERPRETATION

Here 17 respondents are saying that they may be not satisfied with previous
respondents, 07says that they are satisfied and 06 says that they are not satisfied
with their previous investment decision.

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.

Findings

• Here most of the respondents are saving 35-50% from their monthly salary.

• Most of the respondents are investing their money for the objective of their
child’s education.

• While making investment most of the respondents can focus on after tax
return minus inflation of the period.

• Most of the respondents are investing in Mutual Funds.

• Respondents are more influence from the agents and brokers while they
investing.

• Most of their respondents are invest their money from their own savings.

• Most of the respondents are prefer to invest in fixed deposits and mutual
funds.

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 Conclusion
Financial literacy, in that sense, enables an individual to improve the management
of one's finances and avoid distress. At a very basic level, financial education is
about disseminating knowledge and information about the products and services
offered by banks and other institutions. The objective is to make people aware of
the risks and rewards so that they can make an informed choice. The country
naturally benefits through higher savings and investments. Realizing the
imperatives as well as the advantages, several countries have set up specialized
bodies to spread financial literacy, supplementing the work done by regulators,
financial institutions, non-governmental organisations and other less formal
agencies. India has no nationwide structured financial education programme, but
significant work is being done by the RBI, SEBI, Indian Banks' Association.

Limitation Of the study

The researcher humbly believe that present study will be helpful to all the
concerned and be an addition in the area of study. The limitations of the study are
really of the researcher, particularly time, geographical area and limited size of the
sample. The researcher hopes the present study would open many further area of
the research, particularly financial behavior of the person with reference to financial
investment patterns.

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PREPAPED BY – VISHAL D. MAKWANA
 References & Bibliography
1. Bharti V. Pathak, “The Indian Financial System”, Pearson Education [India]
Ltd. 2nd Edition, Year 2006.

2. V. K. Bhalla, “Investment Management”, New-Delhi, Sultanchand & Sons

Publication, 10th Edition, Year 2004.

3. Prasanna Chandra, “Investment analysis & Portfolio Management”, New-

Delhi, The McGraw Hill Company Ltd. 6th edition, year 2006.

4.www.investopedia.com

5. shodhganga.inflibnet.ac.in

6. www.scribd.com

7. www.wikipedia.org

8. www.moneycontrol.com

9. www.sherkhan.com

10.www.ibef.org

11.www.google.com/finance

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 ANNEXURE

FINANCIAL PLANING FOR INDIVIDUALS

QUESTIONNAIRE

NAME =

1.GENDER?
A. Male
B. Female

2.Married Status?
A. Married
B. Unmarried
C. Divorced
D. Other

3.Age Group
A. 20-25
B. 25-35
C. 35-45
D. 45-55
E. 55-65
F. Above 65

4.Qualification
A. Graduate
B. Un graduate
C. Post graduate
D. Professional Qualification

5.Level of Income (Annual)

A. Below 3,00,000
B. Up to 3,00,000 to 5,00,000
C. 5,00,000 to 10,00,000
D. Above 10,00,000
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 6.What percentage of your month salary do you save?
A. Less than 20%
B. Between 20% - 35%
C. Between 35% - 40%
D. Above 50%

7.What is your Objective while investing?

A. Saving in income tax
B. Investing for chid education
C. Investing for long term goals while
Converting risk life
D. Others

8.When marketing investments which of the following

Parameters you focus on?
A. Gross returns
B. After tax returns
C. After tax returns minus inflection for the period

9.Can you approach financial advisor?

A. Yes
B. No

10.Are you satisfied with your previous investment?

A. Yes
B. NO
C. Neutral

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PREPAPED BY – VISHAL D. MAKWANA