A

PROJECTREPORT
ON
STUDYOF
“AStudyont
heef
fectofCOVID-
19ontheSt
ockMar
kett
rend
and I
nvestmentSt
rat
egi
es”
Submi
tt
edi
nPar
ti
alFul
fi
ll
mentf
ort
heDegr
eeof
BACHELOROFBUSI
NESSADMI
NISTRATI
ON

S.
S.JAI
NSUBODHP.
G.(
AUTONOMOUS)
COLLEGE,
JAI
PUR
(
2O20-
21)

SUBMI
TTEDBY: SUBMI
TTEDTO:
POORVAKEDAWAT DR.
GAURIDI
NGRA
B.
B.A.
VSEMESTER ASSI
STANTPROFESSOR

1
 CERTI
FICATE

Thisistocer
ti
fythattheProjectReportenti
tl
ed“AStudyonthe
eff
ectOfCOVID-19ont hestockmar kettr
endandinvestment
str
ategi
es”i
sarecor dofproj
ectwor kdoneindependent
lyby/
Ms.
.POORVAKEDAWATundermygui danceandsuper v
isi
onandthat
i
thasnotprevi
ouslyformedt hebasisfortheawardofanydegree,
fel
lowshi
porassociateshi
p.

DR.
GAURIDI
NGRA
ASSI
STANTPROFESSOR
S.
S.JAI
NSUBODHP.
G.(
AUTONOMOUS)COLLEGE
JAI
PUR

2
 DECLARATI
ON

I,POORVAKEDAWATst udentofBBASemesterVher eby

decl
arethatt
heprojectworkpresent
edinthi
sreportismy
ownwor kandhasbeencar ri
edoutundert
hesupervision
ofDR.GAURIDINGRAofS. SJainSubodhP.G
(Aut
onomous)College.Thisworkhasnotbeenpreviousl
y
submitt
edtoanyotheruniversi
tyf
oranyexaminat
ion.

POORVAKEDAWAT
S.
S.JAI
NSUBODHP.
G.(
AUTONOMOUS)COLLEGE
JAI
PUR

3
 ACKNOWLEDGEMENT

Itisnotof teninlifethatyougetachanceofappr eciati

ngandexpr essi ng
yourf eeli
ngsi nblackandwhi t
et ot hankt hepeopl ewhohav ebeena
crucialpar tofyoursuccesses, youraccompl i
shment s,andy ourbeingwhat
youar et oday.Itaket hisoppor tunityt ofirstofal lthanktheFacul t
yatS. S.
JainSubodhP. G.(Autonomous) College, especi al
lyDr .K.B.Sharma,
Principal,andDr .RitaJain,Head, Depar t
mentofBBAf orinculcati
ngand
i
nst i
ll
ingmet heknowl edge,learning, wi l
l-
power ,
v aluesandt he
compet it
ivenessandpr ofessionalism r equiredbymeasamanagement
student .Iwoul dli
ket ogivespeci al thankst oDR. GAURIDI NGRA( Facult y
Guide)f oreducat ingmesi l
verliningi nev erydar kcl oud.Herendur i
ng
efforts,guidance, pati
enceandent husi asm hav egi venasenseofdi rect i
on
andpur posefulnesst othisprojectandul t
imat elymadei tasuccess.I
expressmysi ncereandhear t
iestt hankst oev eryonewhohascont ributed
towar dst hesuccessf ulcompl etionoft hePr oject.Lastbutnott heleast ;I
woul dliket othankmyf ami l
y:mypar entsf orsuppor ti
ngmespi r
it
ual l
y
throughoutmyl i
fe.Theer rorsandi nconsi stenciesr emainmyown.

POORVAKEDAWAT
4
 I
ndex

Chapt
er Cont
ent PageNo.
No.

1 I
ntr
oduct
ionoft
hepr
oject 8

2 AboutKot
akMahi
ndr
aBank 23

3 Resear
chMet
hodol
ogy 28

4 Dat
aAnal
ysi
sAndI
nter
pret
ati
on 54

5 Fi
ndi
ngs 56

6 Concl
usi
ons&Suggest
ions 57

7 NewLear
ningsAndSki
l
l 58
Enhancement

8 Ref
erencesAndAnnexur
e 59

Quest
ionnai
re 64

5
 CHAPTER-
1
I
NTRODUCTI
ON:

6
Thest ockmarketacrossthewor l
dismi ser
able.Thisisref
lect
edi nthefrequent
crashesinthesharemar ket
sinallpartsofthewor l
d.Stockmar ketinIndiaaref
acing
sharpinstabi
li
tycur
rentl
yasar esultofthefal
louti
ngl obalmarkets.Thef al
li
sinthe
l
inewi ththegl
obali
ndicesandt hehighinst
abili
tyisli
kelyt
ocont i
nueint henearfutur
e.

Thewor ldwidest ockmar kethasashist

oryofcrashandrecover
yandt heIndi
anstock
marketisnodi fferentfrom that
.Curr
ent
lythestockmarkethascrashedaround30per
centinlessthan3mont hs.Duet oCOVI
D-19,nooneknowswhent heeconomywil
l be
backont rack.Someexper tsevencomparethismelt
downofeconomi eswi t
hthe‘
Gr eat
th
Depression’ofthe20 cent ury.

Itwouldbediff
icul
ttoexpectaqui ckeconomi cr eboundf r
om t hecur
rentCOVID-19
effect
.Thoughthef i
nanci alcr
isi
sisinevit
able,consideri
ngal l
-outeff
ort
sbycentral
banksandf i
scalauthor i
ti
es,tosoftentheblow, deepeconomi csl umpmi ghtbeavoi
ded.
Iti
st r
ueaboutthemar ketthatwhetheriti
sr emedyorgr owth,bothphasesmakeequity
orstockmarketinteresti
ngandwor thtaki
ngexposur e.

1.
1Backgr
oundoft
hepr
obl
em
TheCOVID-19pandemi ccouldbet hemostcr ucialt
esttomoneyr elat
edf oundati
onsin
al
mostacent ur
y.Ast hef i
nancialafter
mat hspreads,retai
lbanksendupshuf fl
ingsome
hugeneedsthatrequiresolidstri
dest oreposi
ti
onnowwhi leli
kewiserecali
brat
ingfor
what'
stocomeandi tisaffect
ingt heinvestmentinstockmar ket
.StockMar ketinI
ndia
aref
acingsharpunpredi ct
abil
it
yasofnowbecauseoft hefall
outofworldwidemar ket
anddownfall
ofeconomy .

Theimportanceofthestudyistoknowt heimpactofcov i
d-19pandemicont hestock
marketwhichisaff
ectingthebanks, i
not her
swor dsthestudyisi
mpor tantt
oknowand
l
earnthetr
endsofst ockmar ketduri
ngdownf allofeconomysot hatwecanf indoutthe
var
iousstr
ategiesf
orinvesti
ngi nthestockmar ketwhichwill
helpinrecover
yofst ock
marketandeconomi cbalanceofthecount ry.

1.
2Descr
ipt
ionaboutt
her
esear
chquest
ion/
probl
em
Theresearchproblem i
sr el
atedwit
hthestockmarkett
rendsandinv
estmentst
rategi
es
ofst
ockt r
aders.Thisresearchtel
l
susaboutthevari
oustrendsofst
ockmarketdueto
COVID-19, whystockpricesofvari
ousst
ockarefall
i
ngdownorwhatcouldbet he

7
r
easonofdownf
all
ofst
ockmar
keti
nrecentscenar
io.

Thisresearchal
sotell
saboutt
heinvestmentstr
ategi
eswhichareusingbystock
tr
aderst odeali
nstockmarket
.Likeoptingthel
ongterm st
rat
egiesorshor
tterm
str
ategiesaccordi
ngtothemarketsi
tuat
ions.

1.
2Impor
tance
Thecommont endencynotedamongmostoft hetradersi
signorancetowardsthe
generalmarkett
rendswithcompl etefocusont hepersonalst
ocks.Great
misconcept
ionassociat
edwi thstockmar ketfl
uctuati
onisthatthedownwar d
mov ementofthesharecostindicatesaloss.I
tneedst obeunder st
oodthataninvest
or
becomesapr oinsharetradi
ngint hetruesensewhenhei sabletoextr
actprofi
tsby
tr
ansacti
nginbothhighsandl owsoft hestock.

1.
3Resear
chGap
Studyonst ockmarkettr
endsonr ecentscenari
ohelpsustofi
ndoutt
hevari
ati
ons
happeni ngsinthestockmarketduet oCOVID-19anditwil
lhel
pinv
est
orsorstock
traders,brokerst
oknowaboutt rendsofstockmarketinti
mesofdownfal
landthr
ough
whi chtheycanablet omakestrategi
estodeal i
nstockmarketsot
heycanminimi
ze
thereloses.

8
 CHAPTER-
2
COMPANYPROFI
LE:

9
2.
0Int
roduct
ionofKot
akMahi
ndr
aBank

Establ
ishedi n1985, theKot akMahi ndragr ouphasbeenoneofI ndia'
smostr eputed
fi
nancial conglomer ates.InFebr uary2003, KotakMahi ndraFi nanceLt d, thegr oup'
s
fl
agshipcompanywasgi vent heli
censet ocar r
yonbanki ngbusi nessbyt heReser ve
BankofI ndi a(RBI).Thisappr ovalcreatedbanki nghi
stor ysi
nceKot akMahi ndraFinance
Ltd.i
st hef ir
stnon–banki ngfinancecompanyi nI
ndiatoconv ertitsel
fi nt oabankas
KotakMahi ndraBankLt d.Today ,thebanki soneoft hef astestgr owingbankand
amongt hemostadmi r
edf i
nancial i
nst
itut
ionsi nourcount r
y .Thebankhasov er323
branchesandacust omeraccountbaseofov er2.
7mi l
lion.Spr eadal lov erIndia,notjust
i
nt hemet r
osbuti nTi erIIciti
esandr uralIndiaaswel l
,itisredef i
ningt her eachand
powerofbanki ng.Pr esentlyitisengagedi ncommer ci
al banki ng,stockbr oki
ng, mutual
funds,l
ifei nsuranceandi nv estmentbanki ng.

KotakMahi ndraBankLi mi t
edpr ovidesv ariousbanki ngandf inanci alservicespr inci
pall
y
i
nI ndi a.I
tof ferssav i
ngsaccount s,currentaccount s,andt erm deposi t
s;homel oans,
carl oans, personal l
oans, loansagai nstpr operty,homei mpr ov ementl oans, homel oan
balancet ransfer,commer ciall
oans, anddeal erfi
nance; creditanddebi tcar ds; andsafe
deposi tl
ocker s.Thecompanyal sopr ovidesconv eniencebanki ngser vices, including
netbanki ng,Kot akpay mentgat eway ,mobi l
ebanki ng, SMSbanki ng,alert
s, phone
banki ng,andaut omat edt ell
ermachi nes; demat erial
izati
onser v ices;andnon- resident
Indianser vi
ces.Kot akMahi ndraBank’sbusi nessbanki ngsol utionscompr isecash
credi t
/ ov
er draft
, wor kingcapi t
alterml oan, lett
ersofcr edit,bankguar antee, terml oans,
andl easer entdiscount i
ng.Thecompany ’
si nvestment sandi nsur ancepr oduct sand
servicesconsi stofl ifeinsurance, mutual funds, sharet r
ading, structuredpr oduct s,gold
coinsandbar s,est atepl anningleague, weal thmanagement , resear ch, i
niti
al public
offerings, andpor t
foliomanagement .

I
tal soi tofferscorporatefi
nancepr oducts,suchasf undedproduct s,
treasuryproducts,
i
nv estmentpr oducts,andfixedincomepr oduct s;f
inanci
aladvisoryservi
cesi nt
hear eas
ofmer gersandacqui si
ti
ons, r
aisingcapitalfrom equityanddebtcapitalmar ket
s,
restructuringandr ecapital
i
zation, st
ructuredfinance,
Pr i
vateequi t
y,andi nfr
astruct
ur eadv i
soryandf undmobi l
ization;i
nsti
tuti
onalequi t
ies;
treasurypr oduct
s;pr iv
ateequi tyser vi
ces;internati
onalbusiness;andof f
shoref unds
andr eal t
yf unds

Tagl
i
ne–“
Let
’smakemoneysi
mpl
e”

10
2.
1Cur
rentBusi
nessSt
rat
egi
es
KotakMahindr
aBankusemar ketingmix4Ps(Product,Pri
ce,PlaceandPr
omoti
on)for
analy
zingit
sbrand.Star
ti
ngat2020,ther
eareaf ewadv er
ti
singmethodol
ogi
esl
ike
i
nnov at
ioni
nproductsandserv
ices,marketi
nvestmentetc.

2.
1.1Pr
oductSt
rat
egyofKot
akMahi
ndr
aBank
KotakMahi
ndraBankhastheaccompany
ingbusi
nessli
ke,Cor
porat
ebanki
ng,
ConsumerBanki
ng,Weal
thManagementandCommer ci
alBanki
ng

Li
stofv
ari
ousl
oansof
fer
edbyKot
akMahi
ndr
a:

 Per
sonal
Loans

 Cr
opLoans

 I
nfr
ast
ruct
ureFi
nance

 HomeLoans

 HomeLoanBal
anceTr
ansf
er

 HomeI
mpr
ovementLoans

 LoanAgai
nstSecur
it
ies

 Tr
act
orFi
nance

 Rur
alAut
o&Far
m Equi
pmentFi
nance

 Unnat
iAut
oFi
nance

 Gol
dLoans

2.
1.2Pr
omot
ion&Adv
ert
isi
ngSt
rat
egyofKot
akMahi
ndr
aBank

11
Aft
ercompl et
ionof25y earsofKotakMahindraBankitlaunchedacampai gnnamed
‘
Youthfulat25Years’campaign.Thecampaigncont ai
nstelevi
sionandpr int
adver
ti
sementt hathowmoneycanpr ov
idesecurit
yandbui ldself
-esteem.Kot ak
MahindraBankaddi t
ionall
ymadeacharactercall
edSubbuwhoi st hevoiceoft hebr
and
whodiscussesv ari
ousitemsoffer
edbythebankacr ossstagesl i
kepr i
nt,digi
tal,
tel
evi
sionetc.KotakMahi ndr
aBankalsoadverti
dethroughhoar di
ngs.

2.
1.3Pl
ace&Di
str
ibut
ionSt
rat
egyofKot
akMahi
ndr
aBank
KotakMahindr
aBankcov er
s675areaswithmorethan1300br anchesandwi t
hmore
than2000ATMSacr osst
hecountr
y.Iti
sthethi
rdbiggestbymar ketcapi
tal
i
zati
ony
etit
shoul
dlikewi
seexpandit
sphysi
calnear
nessthenationoverandgl obe.

2.
1.4Pr
ici
ngSt
rat
egyofKot
akMahi
ndr
aBank
KotakMahi ndr
aBankf acesintenser i
val
ryfrom i
tscompet i
torsli
ke,HDFCBank,I
CICI
Bank,IAxisBanketc.Thepr iv
atebanki ndustr
yhasv i
ciousrival
ryindemonst
rat
ingthe
bestcli
entexperi
ence,reasonableloancostsandcomf ort.KotakMahi ndr
aBank
fol
lowingacompet i
ti
vepr i
cingstrategyforacqui
ringmor ecli
ent.

2.
2Boar
dOfDi
rect
ors:
Name Desi
gnat
ion
BinaChandar
ana Sr
.Exe.
VicePr
esi
dent&Co.
Secret
ary

Bi
naChandar
ana Secr
atar
y

CJay
aram Di
rect
or

Di
pakGupt
a Joi
ntManagi
ngDi
rect
or

Far
idaKhambat
a Di
rect
or
12
 Gaur
angShah Whol
eTi
meDi
rect
or

Jai
minBhat
t Gr
oupCFO&Pr
esi
dent

KVSMani
an Whol
eTi
meDi
rect
or

Paul
Par
ambi Chi
efRi
skOf
fi
cer

Pr
akashApt
e Chai
rman

SMahendr
aDev Di
rect
or

UdayKhanna Di
rect
or

UdayKot
ak Managi
ngDi
rect
or&CEO

UdayShankar Di
rect
or

2.
3RecentAwar
dsandRecogni
ti
on:
Kot
akMahi ndr
aBankwasfeaturedinAsiamoney30-
 The30keyAsi
anf
inanci
al
i
nst
itut
ionsshapi
ngAsi
a’
sfinancial
system

 KotakMahindraBankr ecognisedasBestDomest i
cBankatt heAsiaMoneyBestBank
Awards2019: I
ndi
a
 TheTat aMumbai Marathon2019Phi l
anthr
opyAwar dsNiterecognised:
o KotakMahindraBankast heHi ghestFundRai si
ngCorporate 
o KVSMani an,Pr
esident–Cor porate,I
nsti
tuti
onalandInvestmentBankingast heTMM
Legend.
o ShantiEkambaram,President-ConsumerBanki ngast heChangeI con
o ManishKothari
,SeniorExecutiveVicePresi
dent&Busi nessHead-Cor por
ateBanki
ng
astheChangeChampi on
o
 TheAsianBankerTransact
ionBankingAwards:
o BestCashManagementBanki nIndi
a
o BestProduct
ivi
ty,Ef
fi
ci
encyandAut omati
onIni
ti
ati
ve,
Appl
icat
ionorProgr
amme–
KotakMahindraBank-Smar tColl
ect"
o ShekharBhandariasTheTransacti
onBankeroft
heYeari
nAsiaPacif
ic2019
o TheMagnaAwar ds2019byBusinessworld
o BestMid-Si
zeBank

13
o FastestGrowingMid-Siz
eBank
 Kotak811–I ndiaInvi
tedCampai gnwins“Sil
ver
”undert heI
ntegr
atedCampai
gn
categoryatMADDYS2019hel dbytheMadrasAdv er
tisi
ngClub
 Inf
osy sFi
nacleCli
entInnov at
ionAwards2019recogisedKotakMahindr
aBankfor
:
o API-l
edinnovati
onsforOpenBanki ng
o ProcessInnovati
onforCMSPay mentRoboti
csProcessAutomation
o ProductInnovat
ionforDy namicDiscount
ingSupplyChain
 RunnerUp: I
AMAI9t hIndiaDigit
alAwardsforBestDigit
alAPI–OpenBanking
 TheAssetTr
ipl
eATr
easur
y,Tr
ade,
Suppl
yChai
nandRi
skManagement
Awards2019

2.
4Li
stofKeyPr
oduct
sandser
vices
(
Cor
por
ateBenef
it
s)
Account
s

 Sav
ingsAccount

 Cur
rentAccount

 Cor
por
ateSal
aryAccount
s

 Ret
ail
Inst
it
uti
onal
Account
s

 Bank+Demat+Tr
adi
ngA/
c

 Saf
eDeposi
tLocker

Deposi
ts
 Fi
xedDeposi
t

 Recur
ri
ngDeposi
t

 TaxSav
ingFi
xedDeposi
t

 Seni
orCi
ti
zenFi
xedDeposi
t

 Sweepi
nFaci
l
ity

14
Car
ds
 Cr
edi
tCar
ds

 Debi
tCar
ds

 FASTag/For
ex/Pr
epai
dCar
ds

Loans
 HomeLoan

 CarLoan

 Per
sonal
Loan

 Kot
akPay
DayLoan

 Gol
dLoan

 LoanAgai
nstSecur
it
ies

 LoanAgai
nstPr
oper
ty

 ConsumerFi
nance

Li
feI
nsur
ance:

I
nvest
ment
s
 Mut
ual
Funds

 Por
tfol
i
oManagementSer
vice

 DematAccount

 Kot
akASBAFaci
l
ity

 Sov
erei
gnGol
dBondScheme

 Nat
ional
Pensi
onSy
stem

15
TaxSav
ingOpt
ions

2.
5CSRAct
ivi
ti
es
Kot
akMahi
ndr
aGr
oupPay
rol
lGi
vi
ngPr
ogr
amme:
Throught hi
sprogramme,empl oyeesofthebankandi tssubsidi
ariessuppor
tThe
Akanksha Foundati
on,the CancerPati
ents Aid Associ
ati
on (CPAA) ,t
he National
Associat
ionfort
heBl i
nd(NAB),
theDigni
tyFoundati
on,theMake-A-WishFoundat
ionof
I
ndiaandSOPAN( Soci
etyofPar
entsofChil
drenwit
hAut i
sti
cDisor
ders).
I
tincl
udes:

 A3- monthprogrammet hatof f

erstr
aini
nginhospi t
ali
ty,customerrel
ati
onsorsal
es
(i
ncludi
ngt woweeksofon- the-
jobtr
aini
ng).
 Trai
ningi nspokenEngl ish,basicITskill
s,personali
tydev el
opmentandot herl
i
fe
skil
ls.
 He l
pwi t
hplacements,sot heycanf i
ndupwardlymobi l
ejobswi t
hreputedcompani
es,
andear nmonthlysal
ariest hat’
l
lenablet
heirf
ami l
iestoriseoutofpovert
y.

Bl
oodDonat
ion:
OnNov ember21ever
yyear,
ont heoccasi
onofKotakMahindraGroupday,aweek-
long
blooddonat
ioncampforemploy
eesisorgani
sedacrossthecount
ry,i
nassoci
ati
onwith
theRedCr oss,Ki
ngEdwardMemor i
al(KEM)Hospitalandothergovernmentbl
ood
banks.
I
tincl
udes:

 A3-monthpr
ogr
ammet hatoff
erst
rai
ninginhospi
tal
i
ty,cust
omerr
elat
ionsorsal
es
(
incl
udi
ngtwoweeksofon-
the-
jobt
rai
ning)
.
 Tr
aini
nginspokenEngl
i
sh,basi
cITski
l
ls,per
sonal
i
tydev
elopmentand
ot
herli
feski
l
ls.
 Hel
pwithpl
acement
s,sotheycanf i
ndupwardl
ymobi
lej
obswi
threputedcompani
es,
andear
nmonthl
ysal
ariest
hat’
llenablet
hei
rfamil
i
est
ori
seoutofpovert
y.

YouCanSer
ve:
We also collabor
ate wi
ththe Dhanwantar
iMedi calTrust(DMT)f ora newspaper
coll
ecti
on drive.As par
toft hisini
ti
ati
ve,employees donat
e old newspapers and
magazines,theproceedsofwhichgotowardssupporti
ngcancer-
affect
edchil
drenand
thei
rfamil
ies.
I
tincl
udes:
16
 A3- monthprogrammet hatof f
erstr
aini
nginhospi t
ali
ty,customerrel
ati
onsorsal
es
(i
ncludi
ngt woweeksofon- the-
jobtr
aini
ng).
 Trai
ningi nspokenEngl ish,basicITskill
s,personali
tydev el
opmentandot herl
i
fe
skil
ls.
 He l
pwi t
hplacements,sot heycanf i
ndupwardlymobi l
ejobswi t
hreputedcompani
es,
andear nmonthlysal
ariest hat’
l
lenablet
heirf
ami l
iestoriseoutofpovert
y.

Gi
vi
ngCol
l
ect
ionDr
ive:
Aspar tofthi
sdri
ve,l
aunchedi
nassoci
ati
onwit
ht heNGOGoonj ,empl
oyeesdonat
e
cl
othes,books,
toy
sandotherut
il
it
yit
emsfort
heunderpr
ivi
l
eged.
NGOExhi
bit
ions:
Dur
ingf
est
ival
sli
keDiwaliandChr
ist
mas,weinvit
eNGOstosetupstal
lsi
nourof
fi
ces,
sot
heycansel
lproduct
smadebyt heunder
pri
vi
legedandr
aisef
undsaswell
.
I
tincl
udes:

 A3- monthprogrammet hatof f

erstr
aini
nginhospi t
ali
ty,customerrel
ati
onsorsal
es
(i
ncludi
ngt woweeksofon- the-
jobtr
aini
ng).
 Trai
ningi nspokenEngl ish,basicITskill
s,personali
tydev el
opmentandot herl
i
fe
skil
ls.
 He l
pwi t
hplacements,sot heycanf i
ndupwardlymobi l
ejobswi t
hreputedcompani
es,
andear nmonthlysal
ariest hat’
l
lenablet
heirf
ami l
iestoriseoutofpovert
y.

2.
6Compet
it
ors:
HDFCBank
HDFCBanki soneofIndi
a'sl
eadi
ngpri
vat
ebanksandwasamongthefi
rstt
or ecei
ve
approv
alfr
om theReserv
eBankofIndi
a(RBI
)tosetupapr
ivat
esect
orbankin1994.
Today,HDFCBa nkhasabanki ngnet wor
kof5, 326branchesand14, 996
ATMsspr
eadacr
oss2,
825ci
ti
esandt
owns.
HDFCBankwasincor
porat
edinAugust1994..
..Thebankwasincor
por
atedi
nAugust
1994i
nthenameof'HDFCBankLimit
ed',
withi
tsregi
ster
edoffi
ceinMumbai,
Indi
a.
HDFCBankcommencedoperati
onsasaScheduledCommer ci
alBanki
nJanuary1995.

17
I
CICIBank
I
CICIBankwasestabli
shedbyt heIndustri
alCr
edi
tandInvestmentCorpor
ationofI
ndi
a
(
ICICI)
,anI
ndi
anfinancial
inst
it
ution,asawhollyownedsubsidi
aryin1994inVadodar
a.
..
.In1999,
ICI
CIbecomet hefir
stI ndi
ancompanyandt hefi
rstbankorafinanci
al
i
nstit
uti
onf
rom non-JapanAsiatobel i
stedontheNYSE.

Founded:
5Januar
y1994;
26y
ear
sago

Tot
alasset
s:₹1,
007,
068cr
ore(
US$140bi
l
li
on)(
2019)

I
ndust
ry:
Banki
ng,
Financi
alser
vices

Numberofempl
oyees:
84,
922(
2019)

Axi
sBank
AxisBanki sthethi
rdlar
gestpri
vatesect
orbankinIndi
a.TheBankoffer
stheent
ir
e
spectr
um off i
nancial
servi
cestocustomersegmentscov eri
ngLar
geandMid-
Corporat
es, MSME, Agri
cul
tur
eandRet ai
lBusi
nesses..
..AxisBanki
soneofthef
irst
newgener ati
onpr i
vat
esectorbankstohavebegunoperationsi
n1994.

2.
7Or
gani
sat
ional
Str
uct
ure:
2.
7.1Vi
sion

1.TheGl
obal
Indi
anFi
nanci
alSer
vicesBr
and
Ourcust omer
swillenj
oyt
hebenef
it
sofdeal
ingwi
thagl
obalI
ndianbrandthatbest
understandst
hei
rneedsanddel
i
verscust
omi
sedpr
agmat
icsol
uti
onsacrossmulti
ple
pl
atforms.
Wear eawor l
dclassIndi
anfinancialserv
icesgroup.Ourt
echnol
ogyandbestpr
act
ices
arebench-markedal
onginter
nationalli
neswhileourunder
standi
ngofcust
omerswi
llbe
uniquel
yIndi
an.
Wearemor
ethanareposit
oryofourcust
omers'savi
ngs.We,t
hegr
oup,ar
easi
ngl
e
wi
ndowt
oever
yfi
nanci
alservi
cei
nacustomer
'suniver
se.

18
2.TheMostPr
efer
redEmpl
oyeri
nFi
nanci
alSer
vices
A cult
ureofempower mentandaspi r
itofenterpri
seat t
ract
sbr i
ghtmi ndswithan
entr
epreneur
ialstr
eakt oj oi
nusandbuildlong-t
erm careerswit
hus.Wor ki
ngwitha
homegr ownpr of
essionall
ymanagedcompany ,whichhasbenefit
edfrom partner
ships
wit
hi nt
ernat
ionalleaders,gi
vesourpeopl
eaper spect
ivethatisuniver
salaswel las
uni
que.

3.TheMostTr
ust
edFi
nanci
alSer
vicesCompany
Wehavecr
eatedanethosoft
rustacrossal
lourconsti
tuent
s.Adheri
ngtohi
gh
st
andar
dsofcompli
anceandcorporategov
ernanceisanint
egralpar
tofbui
l
dingt
rust
.

4.Val
ueCr
eat
ion
Val
uecr
eat
ionr
athert
hansi
zeal
onewi
l
lbeourbusi
nessdr
iver
.

19
 2.
7.2Or
gani
sat
ional
Char
t

Kot
akMahi
ndr
aBankLt
d.

Br
anchManager

Retai
lLi
abi
li
ty Ret
ail
Liabi
l
itySal
es
BranchBanki
ng

Br
anchOperat
ions
Manager
Br
anchSal
es Deput
yBranch
Manager Manager

Ser
vice Sel
fDesk Account
Off
icer Off
icer Acqui
sit
ion Rel
ati
onshi Rel
ati
onshi
Manager pOff
icer pManager

20
2.
8SWOCAnal
ysi
s:
St
rengt
hs
 Year
lyNetPr
ofi
tsi
mpr
ovi
ngf
or2y
ear
s

 Or
gani
zat
ionwi
thZer
oPr
omot
erPl
edge

 St
ockswi
thi
mpr
ovi
ngi
ncome,
wit
hgr
eatst
rengt
h(member
shi
p)

 Ri
singofnetcashf
lowf
rom oper
ati
ngact
ivi
tes

Weakness
 Decr
easei
nQuar
ter
lyNetPr
ofi
twi
thf
all
i
ngPr
ofi
tMar
gin

 Pr
omot
ersdecr
easi
ngt
hei
rshar
ehol
dings

 Maj
orf
all
inTTM NetPr
ofi
t

Oppor
tuni
ti
es
 RSI(
Rel
ati
veSt
rengt
hIndex
)indi
cat
ingpr
icest
rengt
h

 Decr
easei
nNPA(
NonPer
for
mingasset
s)

 Br
oker
supgr
adedr
ecommendat
ionort
argetpr
icei
nthepastt
hreemont
hs

Chal
l
enges
 I
ncr
easei
npr
ovi
sions

 Br
okerdowngr
adesi
nrecoort
argetpr
ice

 I
nsi
der
ssol
dst
ock

21
2.
9PESTLEANALYSI
S:
Pol
i
tical
fact
or

Gover
nmentlawsi mpactthest
ateofthebankingsector
.Thegov ernmentcan medi ate
i
ntheissuesofbankingwhatev
erpoint,l
eavi
ngt hebusi
nesshelplesstopolit
icalef
fect.
Thi
sj oi
ns defi
lementamong pol i
ti
calgatherings,orspecif
icr egulator
yl aws,f or
i
nst
ance,worklaws,exchanger
estr
icti
ons,obl
igati
onsorlev
ies,
andpol iti
calsecuri
ty.

Economi
cFact
or
Thebanki ngindust
ryandt heeconomyaret i
ed.How sal
arystr
eams,pay i
nglit
tl
e
respectt owhethertheeconomyissucceedi
ngorbar el
ymakingdueami dtimesof
recession,impactshow muchcapit
albankscangetto.Met
hodsformanagingcash,
andt heclari
fi
cati
onsfort
hem,impactwhencl
i
entborr
owsorspendfundsatbanks.

Soci
alFact
or
Cult
urali
nfl
uences,suchasbuy i
ngbehaviour
sandnecessiti
es,aff
ecthowpeopl esee
andusebanki ngopt i
on.Peopleturnt
obanksf oradviceandassistancef orloans
rel
atedtobusiness,home,andacademi cs.Consumer sseekknowledgef rom bank
tel
l
ersregar
dingsavingaccount
s,bankr
elatedcr
editcar
ds,i
nvestment
s, andmor e.

Technol
ogi
cal
fact
or
Technologyi schangi nghow t hebuy erhandl estheirasset s.Var iousbanksof f
era
mobi l
eapplicat
iont owi t
nessaccounts,transferf
unds, andpaychar gesoncellphones.
Cellphonescanexami necheques,andt hebankcanpr ocessi tfrom thei
rend,inthei
r
area.Thischangesav espaperandt heneedt odr ivepar ticularl
yt othebrancht o
managet heseissues.
I
ndeed, ev en banks t hemsel
ves ar e using t echnol ogy i nsi
de t he workpl
ace.
Telecommuni cating through vir
tualgat heri
ngs is bei ng gr asped.I trepl
aces the
requir
ementf orin-per
songat her
ings.

Legal
fact
or
Thebanki ngindust
rytakesstr
ictl
awswithrespecttosecuri
ty,pur
chaserl
aws,and
tradestr
uctur
est oaf
fir
mf r
ameworksi
nsi
dethebusiness.Suchstr
uctur
esarerequi
red
forcli
ent
si nt
heassignedcount
ryandf
orworl
dwidecli
ents.

22
Env
ironment
alFact
or
Wit
ht heusageoftechnol
ogy— particul
arl
ywithver
sati
lebankingappl
i
cations— t
he
useforpaperi
sbei
ngdiminished.Al
so,theneedtodr
ivepar
ti
cularl
ytoabranchtodeal
wit
hundertaki
ngsi
sli
mitedtoo.

2.
10POTERS5FORCEMODEL:
Thr
eatofnewent
rant
s-

Ret
ail
banki
ngf
acessi
gni
fi
cantt
hreatf
rom ent
rant
sinFi
nanci
alTechnol
ogyspace
whoar
eusi
ngsi
mpl
erandl
essexpensi
veser
vicesanddependi
ngont
hei
rscal
abi
l
ity
,
coul
dev
enpr
ovedi
srupt
ivef
ort
het
radi
ti
onal
banks.
Butt
hisdoesnotmeandi
srupt
ioni
simpossi
ble,
par
ti
cul
arl
yifent
rant
sar
eabl
etoscal
e
upf
rom af
oot
hol
dinanunder
ser
vedmar
ket
.

 Threatofnew ent ri
esi
nthebanki
ngsect
orisrel
ati
vel
ylow becausein
bankingindustr
yconsumerar
emor el
i
kelytopr
eferonebankwhi chcan
serveall
theirneeds.
 Thisi
ndust
rybasical
l
yrunwi
tht
hehel
poft
rustl
evelmai
ntai
nedbyt
he
banksoft
heircust
omer.
 Ent
ryi
seasyi
fwewantt
oopenasmal
l
erbankonr
egi
onal
lev
el.

Suppl
i
erpower
-
 Basi
cal
l
ythemaj
orsuppl
i
ersar
eof4t
ypes
o Cust
omerdeposi
ts
o Mor
tgagesandl
oans
o Mor
tgagebasedsecur
it
ies
o Loanf
rom ot
herf
inanci
ali
nst
it
uti
on

 Her
ethe poweroft
he suppl
i
ersi
s based on mar
ketwhi
ch can be

23
 f
luct
uat
edbet
weenmedi
um t
ohi
gh.

Buy -
erpower
Thepoweroft hebuyer
sisr elati
vel
ylowear l
i
er.Butwi t
hthehelpofint
ernetnowt
he
powerofthebuyertoswit
cht heirbankisincreased.Nowt heycanalsocomparet
he
pri
ceofswit
chi
ng/openi
ng/holdingtheaccountsfrom onebanktoanot
her.

Thr
eatofsubst
it
ute-
 Subst
it
uti
ont
hreati
shi
ghf
rom non-
fi
nanci
alcompet
it
ors.
 I
ncaseofinsurance,mutualf
undandfi
xedincomesecur
it
iest
her
eisa
hi
ght
hreatbecausethatar
ealsoof
fer
edbytheNBFCs.
 Onemor
ethr
eatwhi
chi
shi
ghi
sfr
om t
hepay
mentbanks.

Lev
elofcompet
it
ion-
TheIndi
anBankingSect
orhavelar
genumberofplay
ersandt
hushavingmonopol
isti
c
competi
ti
on.Di
ff
erent
iat
ioni
nthebanki
ngsect
ori
samustnowt odr
ivethecompet
it
ion.

 Hi
ghly compet
it
ive.They tr
yt o off
erlowerf
inanci
ng,hi
gherr
ates,
i
nvest
mentservi
cesandgreat
erconveni
ence.
 Provi
ding bestand f
astser
vicesi
sthecur
rentcompet
it
ion goi
ng on
betweenthebanks.
 Banksarenow pref
err
ingt
omergerandacqui
sit
ionwi t
hot
herbanks
rat
hert
hanspendi
ngmoneyonmar
keti
ngandadv
erti
sing.

24
CHAPTER-
3
RESEARCH

25
 METHODOLOGY:

3.
1Obj
ect
ivesoft
hest
udy
:
 Themai nobject
iveoft
hisst
udyist
oanal y
zet hetrendsofStockMar
keti
nthe
recentscenar
iot
hathowCOVID-
19affect
ingthestockmarket.

 Anotherimport
antobject
iveoft
hisstudyisthathowst
ockt
rader
sar
einv
est
ing
wit
hst r
ategi
esonrecentstockmarketsi
tuat
ions.

 To fi
nd outthe sol
uti
on forstockt
rader
srel
ated t
oInv
est
mentSt
rat
egi
es
accor
dingtocur
rentmarkettr
ends.

3.
2Resear
chDesi
gn:
Resear
chDesigni
sflexi
bleenoughtoprovi
deopportuni
tyf
orconsi
der
ingdi
ffer
ent
aspect
sofprobl
emsunderst udy.I
thelpsinbr
ingi
ngint
ofocusSomeinher
ent
weaknessi
nenterpr
iser
egardingwhichisdept
hstudycanbeconduct
edby
management.

Thepr
esentst
udyi
sdescr
ipt
ivei
nnat
ureasi
tseekst
odescr
ibet
hest
ockmar
ket

26
t
rendsandi
nvest
mentst
rat
egi
esasatr
ecentscenar
io.

3.
3Uni
ver
se
Theuni
ver
seoft
hest
udyi
sst
ockt
rader
sinJai
pur
.

3.
4Sampl
i
ngMet
hodol
ogy
Asampl ingmet hodi sapr ocedureforselect i
ngmember sfr
om thepopul ati
on.Proper
samplingmet hodsar eimpor tantforeli
mi nat i
ngbiasint hesel
ectionpr ocess.Theycan
alsoall
owf orther educti
onofcostoref for tingatheri
ngsampl es.Commonmet hodsof
samplingincl
udesi mplerandom sampl i
ng( completel
yrandom sel ecti
onf rom t
he
populati
on),syst ematicsampl i
ng( order
ingt hepopulati
onintocat egori
esand
randomlyselectingf r
om wi t
hineachcat egor y),matchedrandom sampl i
ng(popul ati
on
i
sdi vi
dedintopai rsbasedonacr i
terionandt henrandoml yassignedt ogr oups),and
panelsampl i
ng( applyi
ngt hesamet estov ert i
met orandomlyselect edgroups) .

3.
4.1.
Sampl
i
ngt
ype
Conveniencesampli
ngisat y
peofnonpr obabi
li
tysampli
ngi nwhichpeopl
earesampled
si
mplybecauset heyar
e"convenient
"sourcesofdataforresear
chers.I
nprobabi
li
ty
sampling,eachel
ementinthepopulati
onhasaknownnonzer ochanceofbeing
sel
ectedthroughtheuseofar andom sel
ecti
onprocedure.
 

3.
4.2Sampl
eSi
ze
Thesampl esi zeisanimport
antfeat
ureofanyempiricalstudyi
nwhichthegoali
sto
makei nferenceaboutapopulati
onfrom asample.I
npr act
ice,t
hesamplesi
zeusedina
studyisdet er
mi nedbasedontheexpensesofdatacollect
ionandtheneedtohave
suffi
cientstati
stical
power.

Sampl esizei
saterm usedinmarketr
esearchfordefi
ningthenumberofsubjects
i
ncludedinasampl e.Bysample,
weunder standagroupofsubject
sthatissel
ected
from thegener
alpopulat
ionandi
sconsideredarepresentat
iveoft
hetruepopulat
ion
forthatspeci
fi
cstudy.

27
SAMPLESI
ZE–70r
espondent
s

3.
4.1St
ati
sti
cal
Tool
sfordat
aanal
ysi
s

 Dat
aispr
esent
edi
nthechar
tsf
orbet
terexpl
anat
ion.

 Fort
heanal
ysi
soft
hedat
a.MSExcel
isused.

 Fort
hef
ormat
ionofchar
tsal
soMSExcel
isused.

3.
5 Var
iabl
es
“Vari
able”i
sat er
mf r
equent l
yusedinresearchpr ojects.Av ar
iabl e,
ast henamei mplies,
i
s1”somet hingthatvari
es”.I
tmaybewei ght,
hei ght,anxiet
ylev els,i
ncome, body
temperatur
eandsoon.Eachoft heseproperti
esv ari
esf r
om oneper sont oanot herand
alsohasdifferentval
uesalongacont i
nuum.I tcoul dbedemogr aphi c,physicalorsocial
andincludereligi
on,i
ncome, occupat
ion,temper ature,humidit
y ,language, f
ood, fashi
on,
etc.Somev ariabl
escanbequi t
econcreteandcl ear,suchasgender ,bir
thor der
, t
ypes
ofbloodgroupet cwhi l
eotherscanbeconsi derablymor eabstractandv ague.

I
ndependentanddependentv
ari
abl
es
Theindependentvariabl
eistheant
ecedentwhil
ethedependentv
ari
abl
eisthe
consequent.I
ftheindependentvar
iablei
sanacti
vevari
abl
ethenwemanipulat
ethe
val
uesofthev ari
abletostudyit
saffectonanot
hervar
iabl
e.

Dependentvar
iabl
eisthevari
ablet
hatisaffect
edbytheindependentv
ari
abl
e.The
dependentv
ari
ableisdependentontheindependentv
ari
able.

Var
iabl
esi
nmyr
esear
ch:St
ockMar
ketI
ndi
ces,
Inv
est
mentSt
rat
egi
es

28
3.
6 Tool
sofDat
aCol
l
ect
ion
Datacoll
ecti
onisamet hodical
processofgat
heri
ngandanaly
zingspecif
ici
nfor
mati
on
toprof
fersolut
ionst
orelevantquesti
onsandeval
uat
etheresul
ts.I
tfocusesonfi
ndi
ng
outall
therei
st oapart
icul
arsubjectmatt
er.
 

Ty
pesofDat
acol
l
ect
ion:
 Pr
imar
yDat
aCol
l
ect
ion

 Secondar
yDat
aCol
l
ect
ion

Pr
imar
yDat
aCol
l
ect
ion:
Pri
mar ydat
acol
l
ect
ionbydef
ini
ti
oni
sthegat
her
ingofr
awdat
acol
l
ect
edatt
he
source.
 

Secondar
yDat
aCol
l
ect
ion:
Secondarydatacol
lecti
on,ontheotherhand,i
sr ef
err
edt oasthegatheri
ngofsecond-
handdatacoll
ectedbyani ndi
vidualwhoisnottheori
ginaluser
.Iti
sthepr ocessof
col
lect
ingdatathatisal
readyexisti
ng,bei
talr
eadypublishedbooks,jour
nalsand/or
onl
ineportal
s. 

I
nthi
sresear
chSur
veyt
hroughquest
ionnai
reast
ool
isusedv
iaonl
i
ne
mode

QUESTI
ONNAI
RES

Thi
sist
hepr
ocessofcol
l
ect
ingdat
athr
oughani
nst
rumentconsi
sti
ngofaser
iesof

29
quest
ionsandpromptstorecei
vearesponsefr
om i
ndiv
idual
siti
sadmi
nist
eredt
o.
Quest
ionnai
resaredesi
gnedtocol
lectdat
afrom agr
oup. 

30
 Chapt
er-
4
DATAANALYSI
S
&
I
NTERPRETATI
ON

31
Sector
alAnal
ysisof 6monthst
ofi
ndoutt
hegr
owt
handdownf
all
ofsect
orsduet
othe
eff
ectofcovi
d-19pandemi
c.

Ni
ft
yAut
o

Fi
gur
e1.
1

Inabov echarti
tshowsthatbeforel
ockdown( 30thMarch2020)t
heAuto
sectorwasgr owingandthenfacesdownfal
linthebegi nni
ngofl
ockdown
andt henslowstartgr
owingagainunti
ltheendofl ockdown.

32
 Ni
ft
yBank

Fi
gur
e1.
2

I
ntheabovecharti
tisshownthatbanksectorwasgrowi
ngbefore
l
ockdownbutfacesheavydownfal
lduri
ngthelockdownandunti
ltheend
ofl
ockdownthi
ssectorremai
nsindownf al
l
.

33
 Ni
ft
yFi
nanci
alSer
vices

Fi
gur
e1.
3

Asshowni nthechar
tfinanci
alsect
orwasgrowi
ngrapi
dlybeforelockdown
peri
od.Thi
ssectoral
sof acestheheav
ydownfal
ldur
ingthelockdownas
fi
nanci
alserv
icesfal
ldowni nl
ockdownper
iod.

34
 Ni
ft
yFMCG

Fi
gur
e1.
4

Asshowni nabovechar
tFMCGsect orwasnotaff
ectedmuchbyt he
eff
ectsofcovi
d-19.I
tfacesminordownfal
lint
hebeginningofl
ockdown
butrecov
ersveryqui
ckl
yandremainsgrowingdur
inglockdownperi
od.

35
 Ni
ft
yIT

Fi
gur
e1.
5

Asshownint
heabovechar
tITsectorhasfacedownfal
linthebegi
nni
ngof
l
ockdownper
iodbuti
tst
art
sgrowingagainduri
ngthelockdownperi
od.

36
 Ni
ft
yMedi
a

Fi
gur
e1.
6

Abovechar
tshowsthemajordownfal
lfacesbyMedi
asectorduri
ngthe
l
ockdownperi
od.Bef
orel
ockdownitwasgr owi
ngbutdur
inglockdownit
fal
l
sdownandslowlyst
artrecov
eri
ng.

37
 Ni
ft
yMet
al

Fi
gur
e1.
7

Metal
sect
oralsofacesmajordownfal
lduri
nglockdownperi
odasshown
i
ntheabovechart.Befor
elockdownperi
odgrowingwit
hnicerat
ebutfal
l
s
downinl
ockdownper i
od.

38
 Ni
ft
yPhar
ma

Fi
gur
e1.
8

I
ntheabovecharti
tshowst hatthePhar
masectorgrowsmajorl
ydur
ing
l
ockdownperi
od.Wi t
hrapidrateitgr
owsdur
inglockdownperi
odmore
t
hananyothersect
orinthelockdownperi
od.

39
 Ni
ft
yPSUBank

Fi
gur
e1.
9

Asshownintheabovechar
tPSUBanksectorfacest
heheav
ydownf
all
li
ke
manyothersect
orsdur
ingt
helockdownper
iod.

40
 Ni
ft
yReal
ty

Fi
gur
e1.
10

Thi
ssectorf
acestheheav
ydownf al
lduet
otheeff
ectofcovi
d-19dur
ing
l
ockdownperi
od.Beforel
ockdownitwasgrowi
ngwithrapi
dratebut
dur
ingl
ockdownitfal
l
sdownmaj orl
y.

41
Obj
ect
ive-
2:
Tostudytradingpatt
ernofst
ocktr
ader
sand
thei
rstr
ategiesduri
ngcurr
entst
ockmarket
sit
uati
on.

Genderofr
espondent

42
 Fi
gur
e2.
0

Q1.Youbel
ongt
owhi
chj
obcat
egor
y?

43
 Fi
gur
e2.
1

Asperthefi
gure2.1,thej
obcat
egor
yofthesamplepopulat
ioni
s
maj
orlyProf
essional
,sal
ari
edi
ndi
vi
dual
andselfemployed.

Q2.Whi
chagegr
oupy
ouf
all
int
o?

44
 Fi
gur
e2.
2

Asshowninthef
igur
e2.
2majori
tyofthesampl
esi
zepopul
ati
on
fal
l
sunderagegr
oupof30-
40yearsand40-50y
ear
s.

Q3.YourMont
hlysav
ingi
sint
her
angeof?
 

45
 Fi
gur
e2.
3

Asshowni
nthefi
gure2.3,mont
hlysav
ingofmostofst
ock
tr
ader
swer
e5-10thousandand10-15t
housand.

Q4.Fr
om howl
ongy
oudeal
i
ngi
nst
ockmar
ket?

46
 Fi
gur
e2.
4

Datacol
l
ect edfr
om stockt
rader
s,mostofthem ar
edeali
ngin
st
ockmar ketfr
om 2-5year
sandbeginner
sasshownt hefi
gure
2.
4.

Q5.Whichsourceofi
nfor
mati
ondoyout
akein
consi
derat
ionwhil
emakingt
heinv
est
mentdeci
sion?
47
 Fi
gur
e2.
5

Accor
dingtothefi
gure2.5stocktr
ader
ssour ceofi
nformati
on
formakingi
nvest
mentismost lyt
heint
ernetandagentsin
compari
sonofotherssources.

Q6.Wher
edoy
ouf
indy
our
sel
fasst
ockt
rader?

48
 Fi
gur
e2.
6

AsperFigure2.6,mostofstocktr
adersaredealinginstock
marketwithaverageknowledgeandwi t
htheknowl edgeofsector
i
nwhi chtheyprefert
oinvest,v
erylesspercentofstocktrader
s
ar
efullyaware.

Q7.Rat
ethef
oll
owi
ngi
nvest
mentav
enuesaccor
dingt
o

49
y
ourpr
efer
enceaspert
her
ecentscenar
io?

Fi
gur
e2.
7

Asshowni nthefigure2.
7itcanbeassumet hatstocktrader sare
rat
ingStockMarketandMut ualFundsmor ethanot herav enues.
Bonds,Certi
fi
cat
eofdeposits,BankFixedDeposits,Real Estate
arepar
tial
lypref
erredincompari
sonofSt ockMar ket,Mut ual
FundsandGol dMar ket
.

50
Q8.Inwhi
chsect
orwoul
dyoul
i
ket
oinv
esti
nrecent
scenar
io?

Fi
gur
e2.
8

Col
lect
eddat
aalsot el
lsusaboutt hesectorwhichi
srisi
ngrapi
dly
,
asshownint
hefigure2. 8above,stockt
radersarepr
eferr
ing
FMCGandMedical sectortoinvestmorethananyothersect
or.

Q9.Wi
l
lyoul
i
ket
oinv
esti
nIPOsdur
ingCov
id-
19 
?

51
 Fi
gur
e2.
9

Andasperthef
igur
e2.
9above,
stocktr
ader
sareless
i
nterest
edi
ninv
esti
ngi
ntheI
PO’sduri
ngcovi
d-19
pandemic.

52
Fi
gur
e2.
10.
1

Fi
gur
e2.
10.
2

53
 Fi
gur
e2.
10.
3

Aspert hecol
l
ecteddata(showni
nt hefigure2.10.1,2.
10.
2,
2.10.3)itwasfoundthatamounti
nv est
edi nthest ockmarketby
sharet r
adersarelessoral
mosthalfduri
ngl ockdownper i
odand
afterlockdownascompar i
sonoftheamounti nvestedbef
ore
l
ockdown.

54
Q11.Whatisyouri
nvest
mentt
enur
einshar
emar
keti
n
t
hefoll
owingscenar
ios?

Fi
gur
e2.
11

Stockt r
adersinvestmenttenureisal
sochangingsli
ghtl
yas
showni nf i
gure2.11above,theyarepref
err
ingshort-
ter
m and
medi um-term durat
ionofi
nv est
mentmor ethanlong-
term
i
nv estmentdur at
ionaft
erlockdownascompar isonofbefor
e
l
ockdownper iod.

55
Q12.Whatar
ey ouri
nvest
ingobj
ect
ivesbef
ore,
dur
ing
andaft
erl
ockdown?

Fi
gur
e2.
12

Thei
robject
ivesofinv estingarechangi
ngaf t
erthelockdown
peri
od,asshowni nthef igure2.12abovestocktradersobject
ive
i
sshift
ingfr
om Capi talGr owthandIncomet oSafety.Duri
ng
l
ockdownper i
odandaf terlockdownperiodstocktradersare
pref
err
ingSafetyobjectivemor ethancapit
algrowthandi ncome.

56
Q13.Wouldyouli
ketoswi t
chy ouri
nv estmentfr
om share
markettomutual
fundsoratanyot hert y
pe(li
ke: Bonds,
Cert
if
icat
eofDeposit
s,ExchangeTr adedFunds, Annuti
es
et
c)duet ot
hedownfallofstockmar ket?

Fi
gur
e2.
13

Asshowninthef
igur
e2. 13stocktr
adersar
epart
lypref
err
ingt
o
swi
tchfr
om shar
emar kettootheri
nvest
mentopti
ons.

57
 Chapt
er-
5
Fi
ndi
ngs

Iti
sobserv
edt hatmajor
ityofst
ocktr
ader
sfr
om whom t
hedat
ais
col
lect
edbelongstoprofessi
on,sal
ari
edi
ndi
vidual
andSel
f
employedj
obcat egor
y.

I
tcanbeobser
vedt
hatrespondent
ssourceofi
nfor
mat
ionabout
i
nvest
menti
smajor
lyi
nternetandagent
s.

Iti
sobservedt
hatveryl
essrespondentsareful
lyawar
eabout
stockmarket,
mostl
yrespondentshaveaverageknowl
edgeand
knowledgeonl
yrel
atedtowardsther
einter
estedsect
or.

 Respondent
saremajorl
yprefer
ri
ngst
ockmar
ketandmut
ual
fundstoi
nvesti
nrecentscenar
io.

I
tcanbeobserv
edt hatmaj
ori
tyofr
espondent
sar
enoti
nter
est
ed
i
ninvest
ingI
PO’s.

Iti
sobserv
edthati
nvestmenttenureofrespondentshasslightl
y
changedaft
erl
ockdown, r
espondentsar
epr efer
ringtheshort-
ter
mi nv
estmentmoreincompar i
sonofbeforelockdownper i
od.

Iti
salsoobservedthatdur
ingandaftert
helockdownper
iodmany
sectorshasfaceddownfal
l,onl
y2-3sectorsareri
si
ngorst
ablei
n
recentscenar
iothatar
eFMCG, MedicalandE-Commercesect
or.

58
 Chapt
er-
6

Concl
usi
on

Accordingtotheprimarydatacol l
ect
ed, i
tcanbesaidthatst ock
tr
adersarechangingt heiri
nvest
mentst r
ategiesaspertherecent
scenari
olikestocktradersarechangingthei
rt i
metenur
eof
i
nvestment, t
heyarenotpr eferr
ingmucht oinvesti
nIPO’s,
part
ial
lyshif
ti
ngf r
om st ockmarkettootherinvest
mentav enues.
Aspert
hesecondarydata,
itcanbesaidthatsectorshav
efaced
maj
ordownfall
sduetothecov i
d-19pandemic,onlyfewsect
ors
wer
eablet
or emai
nstableorinrisi
ngposit
ion.

59
 Chapt
er-
7

Lear
nings

Inmycapst onepr
ojectIhadtheprivi
l
egeof
underst
andi
ngaboutthestockmar ket,i
tst
rendsand
var
iousstr
ategi
esofstocktrader
s.

 Ther esear
chwor kinv
olv
edcol l
ecti
on,anal
ysi
sand
i
nterpretat
ionofdatawhichresul
tedinimprov
ementof
researchanddevelopmentskil
ls.

 Learnthowt oschedul
emywor
kproper
lyandut
il
izemy
ti
mei nproducti
vemanner,
asi
twashomebased
researchproj
ect.

60
 Ref
erences

ht
tps:
//www.
kot
ak.
com/
en.
html
ht
tps:
//www.
money
cont
rol
.com/
ht
tps:
//www.
nsei
ndi
a.com/
ht
tps:
//www.
nif
tyi
ndi
ces.
com/

61
 Quest
ionnai
re

DearSi
r/Madam,

Iwouldli
ketoi
ntr
oducemysel
fasaBBAstudentof“
S.S.
JAINSUBODH
P.G.AUTONOMOUSCOLLEGE” ,
Jai
puranddoi
ngmypr oj
ectontheTopi
c
“ASTUDYONTHEEFFECTOFCOVI D-
19ONTHESTOCKMARKETTREND
ANDI NVESTMENTSTRATEGIESOFSTOCKTRADERSI NJAIPUR”.
Obj
ect
ivesofmyst
udyar
e:

1.Toanal
yzet
het
rendsofMaj
orMar
ketI
ndi
cesbef
oreandaf
ter
l
ockdown

2.Tostudyt
radingpatt
ernofst
ockt
rader
sandst
rat
egi
esdur
ing
cur
rentmarketsi
tuat
ion

3.Tosuggestappr
opr
iat
est
rat
egyf
orst
ockt
radi
ng

_
___
___
___
___
___
___
___
___
___
___
___
___
___
___
___
___
___
___
___
___
___
___
___
___
___
___
___
__

62
Name:
___
___
___
___
___
___
___
___
___
___
___
___
___
___
___
___
___
_

Gender:Mal
e-

Femal
e-

Q1.Youbel
ongt
owhi
choft
hef
oll
owi
ngcat
egor
y?
o Gov er
nmentEmpl oyee
o Professional
o Salari
edI ndivi
dual
o SelfEmpl oyed
o Other:_
__ ___
____

Q2.Whi
chagegr
oupy
ouf
all
int
o? 
o 20to30Years
o 30to40Years
o 40to50Years
o Above50Years

Q3.YourMont
hlysav
ingi
sint
her
angeof?
o 5-10Thousand
o 10-15Thousand
o 15-20Thousand
o Above20Thousand

Q4.Fr
om howl
ongy
ouar
edeal
ingi
nst
ockmar
ket?

o Begi
nner
o 2-
5Year s
o 5-
10y ear
s

63
 o Abov
e10y
ear
s

Q5.Whi
chsourceofi
nformati
ondoy
out
akei
nconsi
der
ati
onwhi
le
maki
ngthei
nvestmentdeci
sion?

oI nt
ernet
o Agents
o NewspaperandMagzi
nes
o Fri
endsandFamil
y
o Televi
sion

Q6.Wher
edoy
ouf
indy
our
sel
fasast
ockt
rader?

o Ful
lyAwar e
o Awar eonlyofsect
ori
nwhi
chy
pupr
efert
oinv
est
o Average
o Parti
all
yIgnorant
o Totall
yIgnorant

Q.7Rat
ethefoll
owinginvest
mentav
enuesaccor
dingt
oyourpr
efer
ence
aspert
herecentscenari
o?

Rat
ing 1 2 3 4 5

Bonds
Cert
ifi
cateofDeposi
ts
MutualFunds
GoldMar ket
BankDeposi t
s
RealEstate
ShareMar ket

64
Q8.I
nwhi
chsect
orwoul
dyoul
iket
oinv
esti
nrecentscenar
io?

o FMCG
o E-
Commer ce
o Medical
o Other
_____
___
__

Q9.Wi
lly
oul
iket
oinv
esti
nIPOsdur
ingCOVI
D-19?

o Yes
o No

I
f,y
est
her
easonofi
nvest
ingi
nIPOs

Ans:_
___
___
___
___
___
___
___
___

Q10.Howmuchyouinvest
edi
nstockmarketbef
orel
ockdown,
dur
ing
l
ockdownandaf
terl
ockdown?(Bef
oreLockdown)

Ans. _
___
___
___
___
___
___

(Dur
ingLockdown)

Ans. _
___
___
___
___
___
___
__

(
Aft
erLockdown)

Ans. _
___
___
___
___
___
___
___

65
Q11.Whati
syouri
nvest
mentt
enur
einshar
emar
keti
nthef
oll
owi
ng
scenar
ios?

Shor
tTer
m Medi
um t
erm LongTer
m

Bef
oreLockdown

Af
ter
lockdown

Q12.Whatar
eyouri
nvest
ingobj
ect
ivesbef
ore,
dur
ingandaf
ter
l
ockdown?

Saf
ety Capi
talGr
owt
h I
ncome

Bef
oreLockdown

Dur
ingLockdown

Af
terLockdown

Q13.Woul dyoul
iketoswitchyouri
nv est
mentf
rom shar
emar ketto
mutualfundsoratanyotherty
pe( l
ike:Bonds,
Certi
fi
cateofDeposits,
ExchangeTradedFunds,Annuti
eset c)duetothedownfal
lofstock
market?

o Yes
o No
I
fyes,i
nwhatt
ypeofi
nvest
mentwi
lly
oul
iket
oinv
estandwhy?

Ans.___
_____
____
_ _
___
___
____
___
___
___
Q14.Anysuggest
ionyouwoul
dli
ketogi
vef
ort
hei
nvest
menti
nshar
e
market?

Ans._
___
___
___
___
___
___
___
___
___
___
___
___
___
___
_

66
o

67