Internship Report

on
Consumer Perspective Towards Various Investment Sectors
In
The leading solution

Submitted by

NITISH GROVER (Roll no: 1971401123)

In partial fulfilment for the award of the degree Of

MASTER OF BUSINESS ADMINISTRATION

SCHOOL OF BUSINESS MANAGEMENT AND LIBERAL ARTS

SHOOLINI UNIVERSITY OF BIOTECHNOLOGY AND

MANAGEMENT SCIENCES BAJHOL, SOLAN, HP - 173212

MONTH OF SUBMISSION AUGUST, 2020

1
 ACKNOWLEDGEMENT

The internship opportunity I had with The Leading Solutions was a great chance for learning and
professional development. Therefore, I consider myself as a very lucky individual as I was provided
with an opportunity to be a part of it. I am highly obliged to Shoolini University- Solan, for giving
me the opportunity to do internship with The Leading Solution. Therefore, I take this opportunity to
extend my sincere thanks to Shoolini University and The Leading Solution for offering a unique
platform to earn exposure and garner knowledge in the field of Sales and Marketing.

I express my deepest thanks to Mr. Harsh Yadav, for taking part in useful decision & giving
necessary advices and guidance and arranged all facilities to make life easier. I choose this moment
to acknowledge her contribution gratefully.

I am especially thankful to my faculty guide Ms. Ankita Thakur for her constructive support
during the summer internship period, which leads to successful completion of my internship at
leading solution.

2
 TABLE OF CONTENT

• DECLARATION 4

• CERTIFICATE 5

• EXECUTIVE SUMMARY 6

• CHAPTER 1- PROJECT OVERVIEW 7

• CHAPTER 2- COMPANY PROFILE 8

• SERVICES PROVIDED BY THE LEADING SOLUTIONS 9
• VARIOUS INVESTMENT SECTORS 10-12

• CHAPTER 3- INTRODUCTION TO THE PROJECT 13

• INDIA FIRST MAHA JEEVAN PLAN – 14
• KEY FEATURES
• BENEFITS
• POLICY DETAILS

• CHAPTER 4- REVIEW OF LITERATURE 15

• CHAPTER 5- RESEARCH METHOLOGY 16

• CHAPTER 6-DATA ANALYSIS 17-20

• CHAPTER7-FINDING 21

• CHAPTER 8-LIMITATIONS 22

• CHAPTER 9- CONCLUSION 23

• CHAPTER 10- RECOMMENDATIONS 24

• BIBLOGRAPHY & REFERNCES 25

• ANNEXURE 26

3
 DECLARATION

I hereby declare that project Titled “Consumer Perspective Towards Various Investment Sectors in The
leading solution” is an original piece of research work carried out by me during the period from 10-06- 2020
to 10-08-2020 under the guidance and supervision of Mr. Harsh Yadav, manager at The Leading Solution
and Asst. Prof. Ms. Ankita Thakur Our Mentor and it was not submitted to any other organization,
university or institutions or published any time before. The information has been collected from genuine &
authentic sources. The work has been submitted in partial fulfillment of the requirement to our University.

4
 CERTIFICATE

This is to certify that the Project work entitled “Consumer Perspective Towards Various
Investment Sectors in The leading solution” submitted in partial fulfilment of the requirement
for the award of degree of Master of Business Administration to Shoolini University of
Biotechnology and Management Sciences, Bajhol, Solan (H.P.) is a Project work carried out by
NITISH GROVER( 1971401123) no part of this work has been submitted for any other degree
or diploma.

Name of Student: NITISH GROVER Name of the Guide: Mr.

HARSH YADAV Place: - Delhi

5
 EXECUTIVE SUMMARY

Theoretical knowledge and practical knowledge are the two eyes of the management
education. Management education without practical training at an organization remains
incomplete. The training prescribed by the SHOOLINI UNIVERSITY have various
objectives like helping the student to acquire knowledge, give an opportunity to know the
difference between Theoretical knowledge and practical knowledge, enable the student to
interact with the customers and experienced and knowledgeable persons of business world.
As a student of MBA, I got an opportunity to undergo on a training. The training title is “I had
successfully completed my training report within the specified time. It was really a thrilling
experience for me with senior officials of Industry and to interact with different members,
employees, and customers of the organization. It was a great experience of enjoyment through
hard work and dedication. By this opportunity I understood how the companies which are into
investment consultancy promote their product. In this report I will be discussing what are the
major investment areas in India and Consumer Perspective Towards Various Investment
Sectors and the sales practices in The Leading Solution.

6
 CHAPTER -1 PROJECT OVERVIEW

The purpose of the Consumer is to study the perspective of consumers towards various
investment sectors. Investors' perception will provide a way to accurately measure how the
investors think about the products and services provided by the company. Today, trying
economic conditions have forced difficult decisions for companies. Most are making
conservative decisions that reflect a survival mode in business operations. During these difficult
times, understanding what investors on an ongoing basis are critical for survival. Executives
need a third party understanding of where investor's loyalties stand. More than ever
management needs, ongoing feedback from the investors, partners and employees to continue
to innovate and grow.
The main objective of the project is to find out the needs of the current and future Investors.
For this analysis, customer perception and awareness level will be measured in important
areas such as:
1. To understand in-depth about various investment sectors available in India.
2. To find out how investors get information about various financial Instruments.
3. The type of financial instruments, they would prefer to invest.
4. The duration for which they would prefer to keep their money invested.
5. What are the factors that they consider before investing,
6. To give some recommendations to the investors where they should invest.
7. To know the risk tolerance level of the individual investor and suggest a suitable portfolio.
8. To develop a profile of a sample Indian individual investor in terms of their demographics.
And demographics based on the occupation of the sample investor.
9. To identify the objective of savings of an investor. To study the dependence/impendences
of the demographic factors (Age) of the investor and his/her risk tolerance level.

7
 CHAPTER-2: COMPANY PROFILE

The Leading Solutions is the one stop solution provider for all your financial
needs. The objective is to serve the customers with the best solution for directing
their finances in the most profitable direction.
Company facilitate various trainings and development programs with top B-schools
and they have already trained thousands of interns till date. they have liaison with
more than 50 universities in India with the base size of 800 and above campuses,
keeping in mind the most critical needs in today's context, they have emerged as a
service partner of various bank providing one stop solution offering a gamut of
services.
Thus, their mission is to establish high standards of professional etiquette and to
effectively facilitate a comprehensive and accomplished system of continuing
professional development for every possible profession through our exceptional
training solutions
TLS is one of the developing consulting firm in India. At TLS, they give broad
administration services to high and HNI clients. their exceedingly prepared and
concentrated group draw in with customers from the nation over just as those based
abroad. they facilitate every one of the administrations expected to deal with customer's
cash and plan for their very own and family's present and future needs.
MISSION -
To assemble a world class business through high quality and genuine budgetary
arrangements upheld by sharp research and master group. The arrangements are
conveyed by specialists who comprehend the particular yearnings of each customer.

VISION -
To upgrade the perception of investors moving them from traditional investment
decision making to diversified one. In this dynamic economy it is always better to
diversify your funds. We work on the core mentality of investors and try to shift their
interest from traditional to modern mind set by providing them greater choices to
invest. To expand our piece of the overall industry year on year and keep up a similar
dimension of involvement for each customer. What's more, guarantee that we become
the most profitable resource for every customer.
8
 Services provided by The Leading Solution

❖ Consulting Services -
TLS have a bunch of consultants that provides due diligence to the various businesses
relating to their essential business choices like Merger and Amalgamation, Investment and
growth into the new areas, etc. and that we additionally facilitate in characteristic the new and
effective sources of benefits whereas avoiding risk. We have a tendency to principally offer
the subsequent services:

• Corporate Development & Finance

• Investment
• People & Management
• New Market/Partner/Vendor analysis
• Operations
• Technology

❖ Taxation Services -
Tax systems vary widely among nations, and it is important for individuals and corporations
to carefully study a new locale's tax laws before earning income or doing business there. TLS
guides you about your comprehensive taxation planning. TLS will give you insights of
taxation that will help the client to manage the taxation regime of his business.
❖ Accounting Management -
Accounting includes recording of financial transactions along with storing, sorting,
retrieving, summarizing, and presenting the results in various reports and analyses. They
provide customized accounting solutions to the clients and with latest analytical tools and
technologies it provides cutting-edge innovative solutions to your accounting needs.
❖ Portfolio Management -
Portfolio management is the art and science of making decisions about investment mix and
policy, matching investments to objectives, asset allocation for individuals and institutions,
and balancing risk against performance. It is important for an individual to diversify his
investment portfolio as to reduce risk and to gain maximum returns, so they provide
assistance in diversifying the investments.
❖ Recruitment Services -
Recruitment refers to the overall process of attracting, shortlisting, selecting and appointing
suitable candidates for jobs (either permanent or temporary) within an organization. They
filter the right candidate according to the requirement. Apart from internal and external job
analysis, they interview candidates for you and help in recruitment planning.

9
 VARIOUS INVESTMENT SECTORS

1.Banking sector -
• The banking sector is an industry and a section of the economy devoted to the holding of
financial assets for others and investing those financial assets as a leveraged way to create
more wealth.
• Reserve Bank of India (RBI) is empowered to regulate, control, and inspect
the banks in India.
• Banking industry is the backbone of India’s financial services industry.
• country has several public sector, private sector, foreign, regional rural and urban/rural
cooperative banks.
• Financial instrument in the banking sector-
• FD
• RD
• Fixed Deposits (FD) and Recurring Deposits (RD) are both financial instruments that allow
people to earn interest on their investments. ... The minimum principal deposit required for
an FD and RD also varies for different banks. There are different Recurring Deposit schemes
available to people.

2.Investment in Gold –
• Gold is considered a safe investment Gold.
• Gold is supposed to act as a safety net when markets are in decline since the price of gold
doesn't typically move with market prices.
• It can be considered a risky investment as well, as history has shown that the price of gold
does not always go up, particularly when markets are soaring.
• Investors typically turn to gold when there is fear in the market and they expect prices of
stocks to go down.
• It is most preferred investment in India.

3.Stock Market-
• SEBI is the regulator of stock markets in India
• Stock markets in Indian are-
• National Stock Exchange
• Bombay Stock Exchange
• Stock market is a place where shares of pubic listed companies are traded.

4.Mutual Funds
• Mutual funds are operated by professional money managers.
• It is a type of financial vehicle made up of a pool of money collected from many investors
to invest in securities.
• Managers invest in stocks, bonds, money market instruments, and other assets.
• Managers allocate the fund's assets and attempt to produce capital gains or income for the
fund's investors.

10
 • A mutual fund's portfolio is structured and maintained to match the investment objectives
stated in its prospectus.

5.Real Estate Investing -

• Buying and owning real estate is an investment strategy that can be both satisfying and
lucrative.
• Real estate is a tangible asset.
• Real estate has three basic categories-residential, commercial and industrial.
• It requires a lot of money to invest.

6.Post Office Saving Schemes -

• Post Run by Central Government
• The post office savings account is a deposit scheme provided by the post office throughout
India.
• The account can be transferred from one post office to another.
• A post office savings account requires a minimum balance of Rs. 20 to open the account.
• The cash can be withdrawn either partly or completely if need be.
• Post Office Investments include a number of saving schemes that provide high rate of
interest as well as tax benefits and most importantly, carry the sovereign guarantee of
Indian Government. All these schemes are tax exempt under Section 80c, i.e. tax
exemption up to Rs. 1,50,000 is allowed. Some schemes like Public Provident Fund (PPF),
Sukanya Samriddhi Yojana (SSY), National Savings Certificate (NSC), Post Office Time
Deposit for a 5 Year Term and Senior Citizen Savings Scheme (SCSS).

7.Public Provident Fund –

• Public provident fund is a popular investment scheme among investors courtesy its multiple
investor-friendly features and associated benefits.
• It is a long-term investment scheme popular among individuals who want to earn high but
stable returns.
• A minimum of Rs. 500 and a maximum of Rs. 1.5 Lakh can be invested in a provident fund
scheme annually.
• Indian citizens residing in the country are eligible to open a PPF account in his/her name.

8.Government Bond -

• A government bond is a debt security issued by a government to support government

spending and obligations.
• Government bonds can pay periodic interest payments called coupon payments.
• The multiple variants of Government bonds are below –
• Fixed-rate bonds
• Floating Rate Bonds (FRBs)
• Sovereign Gold Bonds (SGBs)

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 9.Insurance -

• The insurance sector is made up of companies that offer risk management in the form of
insurance contracts.
• The basic concept of insurance is that one party, the insurer, will guarantee payment for an
uncertain future event.
• Financial services offerings in this segment are primarily offered across two categories:
• General Insurance (automotive, home, medical, fire, travel, etc.)
• Life Insurance (term-life, money-back, unit-linked, pension plans, etc.

12
 Chapter- 3 Introduction to the project
India First Maha Jeevan Plan
The India First Maha Jeevan Plan is a non-linked insurance plan with bonus facility. It offers life
cover plus savings and helps to enhance the wealth of the policyholder with the bonuses available
under this policy. Protection is provided to the beneficiaries in case of the untimely death of the life
insured, while the policyholders themselves receive a lump sum benefit if they survive the policy
term.

India First Maha Jeevan - Key Features:

• This policy is a non-linked insurance plan that has both Maturity and Death Benefits.
• The policy helps increase the policyholder's wealth by may of the Terminal Bonuses and Simple
Reversionary Bonus.
• The nominee may receive up to ten times the annualized premium on the premature
policyholder's death. you can calculate the life insurance premium here
• The policyholder may opt for loan against his/her policy.
• Policyholders may choose to enhance their life cover with a rider that is available under this
policy.

India First Maha Jeevan - Benefits

• If the life insured outlives the policy's maturity date, he or she receives a maturity benefit, which
is equal to the guaranteed sum assured plus the simple reversionary bonus and terminal bonus (if
any).
• The beneficiary of the policy receives a death benefit in case of unfortunate death of the insured
person. The death benefit paid is the guaranteed sum assured plus the accrued reversionary bonus
and terminal bonus.
The death benefit is calculated as the following:
1. When the entry age is less than 45 years, the death benefit is the higher of sixteen times the
annualized premium or 100% of the Guaranteed Sum Assured plus the Accrued Bonus and Term
Rider Sum Assured (if any).
2. When the entry age is 45 years or higher, the death benefit is the higher of seven times the
annualized premium or 100% of the guaranteed sum assured plus the accrued bonus and term rider
sum assured (if any).
• This policy provides Simple Reversionary Bonus and Terminal Bonus that are paid as part of the
Maturity Benefit or the Death Benefit.
• Under the sections of Income Tax Act 80 C and 10(10D) Tax benefits can be availed.

India First Maha Jeevan - Policy Details

Grace Period: A limited time frame of 30 days is provided to the life insured as a grace period
during which the insured person can clear all the premiums. In case of failure of premium payment
the term of the policy discontinues. The timeframe for monthly mode of payment is fifteen days.

Policy Termination or Surrender Benefit:

The policy may be surrendered after three years of 11 premium payment. If the premiums of the
policy are not paid for two full years, then the policy expires. If the policy is not restored within the
renewal period, the policy is terminated. The tenure of policy also comes to an end when the
maturity benefit or death benefit is paid to the insured.

Free Look Period:

From the starting date of policy issued, the insurance owner have a limited 15 days period of free-
look during which they can initiate policy cancellation if he/she did not read the terms and
13
conditions offered by the policy. The customer will receive the paid premium and a proportionate
premium for the risk borne by the company is subtracted, including any add-on expenses, like
medical examination or stamp duty charges.

Inclusions:
The insured can avail policy loan after the policy gains the surrender benefits, on the condition that
the loan amount does not exceed 90% of the surrender benefits.

Additional Features or Riders

• Policyholders may opt for the India First term rider in order to enhance their life cover, the
additional Sum Assured of which is payable on policyholder's expiry. The Sum Assured under the
rider cannot exceed the life cover opted under the policy.
• The lapsed policy can be renewed if the insured person submits a request for renewal of policy
within a period of 2 years of timeframe from the date of the first unpaid premium.
• If premiums for three policy years are paid, and subsequently the policyholder fails to pay again
during this period, then the policy acquires Paid- up Value.

Exclusions
The coverage of the term insurance is nullified if the life insured, ends his/her own life seese can
say if he/she commits suicide within 12 months from the date policy is issued and comes into
action. The insurer of the policy returns only 80% of the premium paid to the beneficiary of the
policy. In case, the policyholder does the same act within a year of policy renewal then the nominee
of policy would receive either the surrender benefits or the 80% of the premium paid whichever is
higher.

Documents Required
Apart from the 'Application form the applicant must submit his/her identity proof, address proof,
bank account proof, and a recent photograph. Selected cases may require income proof and medical
examination. You can also go for the online process for more convenience

14
 CHAPTER-4 : REVIEW OF LITERATURE

It was proposed to survey the literature regarding differentiation of the product offerings. In the
event that the consumer finds him or herself in market that displays low level of differentiation, the
consumer might result to purchasing influenced by convience. Like consumers who displays
complex buying behavior consumers with dissonance reducing behavior were seek to establish
personal beliefs regarding the products. These beliefs with eventually transforms into attitude
regarding the product offerings. Some Economist had done extensive work on this as a whole. There
had been certain endeavors that have direct or indirect bearing on the present study.

Assael(2004) considered consumers displaying habitual buying behavior as consumers who did not
experience the same sequences the previous two behavioral types. Instead of basing their decision
making process on seeking product information pertaining to functionality or characteristics, this
type of consumer purchase was based on information gathered passively via. Company’s
promotional efforts, by it through the medium of TV, Radio, or Print Advertising.Common to this
type of consumer, is “brand switching” in order to satisfy there need for diversification.

Howard and Seth(2005) fully ascertained the effects that branding had on the consumer decision
making process. Howard model is used in the process of decision making during purchasing
activities. Its model illustrates that cognitive decision making is the process in which consumers
mentally process information that influences them.

Kepferer(2007) mentioned that shift in focus towards brands began when it was understood that
they were something more than mere identifiers.

Aaker and Joachmisthaler(2011) stated the traditional branding model where a brand
management team was responsible for creating and coordinating the brands management program.
The basic objective was the coordination with the manufacturing and sales departments in order to
solve any problem concerning sales and market share.

Kotler(2014) concluded that the essence of this approach is critical for organizational success, so
that they can have better understanding of their customer’s behavior. The physical action or behavior
of consumer and their buying decision every day can be measured directly by marketers. For that
reason many organizations these days are spending lot of their resources to research how customer
makes their buying decision, what they buy, how much they buy, when they buy and where they buy.

15
 CHAPTER – 5: RESEARCH METHODOLOGY

TASK:-

As a part of the Summer Internship Program we have been assigned to generate

new leads for the product India First Life Maha Jeevan plan.

RESEARCH METHOD:-

This Exploratory research has been conducted through primary data. The data has
been collected through telephonic interview or questionnaire.

RESEARCH DESIGN:-

Geographical location: The geographical location taken for the purpose of data collection
and the research is Solan.

Sample size: The sample size for collecting primary data is 200 out of which 50 respondents.

Data collection method:

Primary Data :- The data has been collected through telephonic interview, questionnaire.

Target group: The respondents consist of earning members of the family, people
retiring from their job, youngsters who recently started earning.

OBJECTIVES:-

1. To know the perspective of consumer.

2. Influence of direct selling on buy in behavior.
3. Buyer decision making.
4. Types of customer on the basis of buying.
5. Influence on the brand by direct selling or marketing.
6. How customer perceive the brand.
7. Comparison of different brand n which people are investing.
8. To find out the reasons why clients are not purchasing the product.

16
 CHAPTER 6:- DATA ANALYSIS

Data analysis is the process of inspecting, organizing, transforming, and modeling data with
the goal of finding useful information, making conclusions, and supporting decision making.
Analysis means decomposing the whole into individual components for individual testing. Data
analysis is the process of obtaining raw data and transforming it into information that is useful
for decision-making. Collection and analysis of data to answer questions, verify hypotheses, or
contradict theory is a part of the process of analysis.
1.Age profile of investors

Age profile of Investors

16
14
NUMBER OF PEOPLE

12
10
8
6
4
2
0
LESS THAN 19-30 31-40 41-50 51-60 61&ABOVE
18 YEAR
AGE GROUP

INTERPRETATION: Majority of people are belonging to the age group of 41-50 than the younger one
who likes to invest age group of 19-30.

2.OCCUPATION PROFILE OF INVESTOR

OCCUPATION PROFILE OF INVESTOR

GOVERNMENT
SECTOR, 5
OTHERS, 10

AGRICULTURE, PRIVATE
6 SECTOR, 15

BUSINESS, 14

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INTERPRETATION: maximum of investors are from private sector followed by the business, few
investors are those who working in government sector.

3. INVESTMENT AVENUE PREFERRED BY THE INVESTOR

BANKING SECTOR
MUTUAL FUNDS
12% REAL ESTATE
20%
6% GOLD
8% PUBLIC PROVIDENT FUND
18% GOVERNMENT BONDS
8%
6% INSURANCE
10% 12%
STOCK MARKET
POST OFFICE SCHEME

INTERPRETATION: Majority of the investors prefer investing in Banking sector followed by insurance,
than real estate or gold.

4.MONTHLY INCOME PROFILE OF INVESTOR

MOTHLY INCOME OF INVESTORS

12
NUMBER OF PEOPLE

10
8
6 11 12
10
4 7
5 5
2
0

MONTHLY INCOME

INTERPRETATION: The monthly income profile of the investor reflects that most of the investor
belongs to the income level of Rs 40,001-50,000 followed by of the investors belong to the income
group of Rs 30,001 to Rs 40,000.

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 5.Time duration preferred by the investor for investment.

TIME DURATION PREFERRED BY

INVESTOR
short period

long period

INTERPRETATION: Majority of people wants to invest their money for a longer period where as few of
them wants to invest their money for shorter period.

6.TYPE OF RETURN PREFFERRED BY INVESTOR

TYPE OF RETURN PREFFERRED BY

INVESTOR

38%
FIXED RETURN
FLUCTUATING RETURN
62%

INTERPRETATION: Maximum (62%) of people wants to invest in which they receive fixed return where
as (38%) people wants fluctuating return.

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7. Importance of liquidity in the Investment

IMPORTANCE OF LIQUIDITY IN
INVESTMENT

25
NUMBER OF PEOPLE

20
15
10
5
0
LOWEST 1 2 3 4 HIGHEST 5
RATING

INTERPRETATION: Maximum people consider liquidity to be very important while making an

investment, but believed it is not the single most important factor while considering an investment.

8.IMPORTANCE OF HIGH RETURN IN INVESTMENT

IMPORTANCE OF HIGH RETURN IN

INVESTMENT

20
NUMBER OF PEOPLE

15

10

0
LOWEST 1 2 3 4 HIGHEST 5
RATING

INTERPRETATION: Maximum of people consider Higher returns to be very important factor while
making an investment. Everyone believed Higher Returns to be an important factor while making an
investment.

20
 CHAPTER – 7: FINDINGS

Most of the people belong to the age group of 41 to 50 years followed by those belonging to the age
group of 19to30 years. Majority of people belonged to the private sector followed by businessmen
and others. Majority of the people preferred investing in banking sector followed by insurance, gold
and post office scheme. Only some people prefer direct investment in the stock market. The
monthly income profile of the people reflected that most of the investor belongs to the income
level of Rs 40,001/-50,000and followed by the investors belong to the income group of Rs 30,001
to Rs 40,000.Majority of the population was not aware of India First Maha Jeevan Plan. People
considered liquidity to be important while making an investment. Mostly people considered
liquidity to be important but believed it is not the single most important factor while considering an
investment. Everyone believed liquidity to be an important factor while making an investment.
Higher returns were also considered to be very important while making an investment. Low Risk is
an important factor while making investment decisions. Everyone agreed that they are not willing
to take high risk while investing there money. Investors are giving more importance to higher
return, less risk and reputation of the company before investing in the plan. The product offered by
the company gives the fixed high return as compared to other investment option. The product
offered by the company is a flexible product. There is a tough competition in the investment
market. Maximum people usually prefers to invest in bank’s FD and RD. High Bonuses schemes
attract more customers. Many people are not aware about different investment options available in
the market. Trust play an important role while buying a product.

21
 CHAPTER – 8: LIMITATIONS

• The field work for the purpose of research was limited to some part of Solan city only.
Therefore, it may not represent the overall consumer’s perceptions as consumers
perceptions may vary from place to place due to demographic factors.

• The research was carried out in a short period. Therefore, the sample size and the
parameters were selected accordingly so as to finish the work within the given time
frame.

• Due to COVID-19 everyone was facing cash crunch so people who liked the product
was not able to invest in the product because of the financial problem.

22
 CHAPTER – 9: CONCLUSIONS

The summer internship project plays an important role in management education where
students get a golden opportunity to apply his knowledge and learning gained from
classroom lectures in practical business environment. I have also learnt a lot by my
Internship at The Leading Solution. This research has been done to study consumer
perspective towards various Investment sectors in The leading solution. The people in
SOLAN still prefers to invest in the bank’s FD and RD. People having knowledge about
investment market invests in other investment options also. But maximum people still prefer
to invest in known investment options like. There is high knowledge about Bank of Baroda
but people were not aware about the investment bond and there are some people who are
aware about it but they are not aware about the many benefits that comes with the product.
People were usually impressed with the features of the product but due to pandemic they
were facing financial problems so after being interested in the product they weren’t able to
purchase the product.

23
 CHAPTER-10: RECOMMENDATIONS

• IMPROVEMENT IN THE SERVICE: The first and foremost

recommendation that can be suggested from the findings of the research is
the improvement in services. As there are high competition in the
investment market so people have many options to choose from .Therefore
a small problem faced by a customer may lead to losing that one.

• ADVERTISEMENT:-Company need to advertise more about the product

so as to increase their sales.

• COUPONS:- Company can also offer Some extra benefits or coupons so

as to attract more customers.

24
 CHAPTER -11: BIBLIOGRAPHY AND REFERENCES

Books:
• Security analysis & portfolio Management by Ranganatham
(ISBN-10: 9788131759202, ISBN-13: 978-8131759202, ASIN: 8131759202)
• From The leading solution’s Members
• Articles on different investment options in India.
• Customer’s views on different investment options.

Website:
● http://www.theleadingsolutions.com/
● https://tradebrains.in/best-sectors-for-long-term-investment-in-india/
● https://www.investindia.gov.in/sectors
● https://www.financialexpress.com/money
● https://www.nitinbhatia.in/stocks/
● https://www.ibef.org/economy/domestic-investments
● https://www.reliancesmartmoney.com/stocks/
● https://cleartax.in/s/investments
● https://capitalante.com/best-sectors-to-invest-in-india-for-long-term/
● https://www.moneycontrol.com/promo/mc_interstitial_dfp.php?size=1280x540
● https://economictimes.indiatimes.com/
● https://www.bseindia.com/
● https://www.equitymaster.com/

25
 ANNEXURE
Questionnaire

Disclaimer:
I am an MBA student from Shoolini University, Solan, researching about the consumer perspective
towards various investment sector. You are required to be completely honest and truthful. This will
be used for academic purpose only.

1.Name -------------------

2.Gender
(a) MALE (b) FEMALE (c)OTHER

3.Age
(a) 18YRS&below (b) 19-30 (c) 31-40
(d) 41-50 (e) 51-60 (f) 61&above

4.Occupation Profile of Investor?

(a) Government sector (b) Private sector (c) Business
(d) Agriculture (e) Others

5. Investment Avenue preferred by the investor?

(a) BANKING (b) STOCK MARKET (c) GOVERNMENT BONDS
(d) INSURANCE (e) MUTUAL FUNDS (f) POST OFFICE SCHEMES
(g) GOLD (h) REAL ESTATE (i) PUBLIC PROVIDENT
FUND

6. Monthly Income profile of Investor?

(a) 20,000-30,000 (b) 30,001-40,000 (c) 40,001-50,000
(d) 50,001-60,000 (e) 60,001-70,000 (f) 70,001andAbove

7. Time duration preferred by the investor for investment?

(a) short period (1 year or below) ( b) long period (more than one year)

8.Which type of returns you want?

a) Fixed return (b) fluctuating return

9. On a scale of 1 to 5 rate the importance of liquidity in the investment. (1 being

the lowest and 5 being the highest)
(a) 1 (b) 2 (c)3 (d) 4 (e) 5

10.On a scale of 1 to 5 rate how important is higher return. (1 being the lowest
and 5 being the highest)
(a) 1 (b) 2 (c)3 (d) 4 (e) 5.

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