Internship Report on

“GEOJIT FINANCIAL SERVICE LIMITED

HONNAVAR”
Submitted by
AARON FRANCIS LOPES
USN 01SU22MB101
Submitted to
DEPARTMENT OF MBA
SRINIVAS UNIVERSITY
In partial fulfillment of the requirement for the award of the degree of

MASTER OF BUSINESS ADMINISTRATION

Under the guidance of

INTERNAL GUIDE EXTERNAL GUIDE

Prof. STEEVAN R TELLIS Mr. BALAKRISHNA N D

Faculty, MBA Department Branch manager

Srinivas Institute of Technology Geojit Financial Private
Mangaluru Limited, Honnavar

DEPARTMENT OF MBA
SRINIVAS UNIVERSITY
2022-2023
 DEPARTMENT OF MBA
CERTIFICATE

This is to certify that AARON FRANCIS LOPES bearing USN:01SU22MB101 is

a bonafide student of Master of Business Administration course of Srinivas
University 2023-24, Internship Study on “GEOJIT FINANCIAL SERVICE
LIMITED’’ prepared by his under the guidance of Prof. STEEVAN R TELLIS, in
partial fulfilment of the requirement for the award of the degree of Master of
Business Administration of Srinivas University, Mangaluru, Karnataka.

________________ ______________ ___________________

Prof. Steevan R Tellis Dr. Ajoy S Joseph Dr. Shrinivas Mayya

D Internal Guide HOD Principal

Name of the Student : Aaron Francis Lopes

USN : 01SU22MB101
Viva :
Name of the Examiners
1.

2.
 DECLARATION

I, AARON FRANCIS LOPES hereby declare that the Internship Study conducted at
“GEOJIT FINANCIAL SERVICE PVT LTD HONNAVAR” is record of independent work
carried out by me under the guidance of Prof. STVEEVAN R TELLIS, faculty of MBA
Department, Srinivas university.
I also declare that this Organization Study is towards the partial fulfillment of the university
regulations for the award of degree of Master of Business Administration by Srinivas
university, Mangaluru.
I have undergone an organization study for a period of four weeks. I further declare that this
Organization study is based on the undertaken by me and has not been submitted for the award
of any other university or institute for the award of any other degree.

Place: Mangaluru Signature of the student

Date: AARON FRANCIS LOPES
USN:
 ACKNOWLEDGEMENT
I would like to take this opportunity to express my gratitude towards those who have
rendered their valuable guidance and have positively influenced my knowledge during
the course of organization study. I would like to express my sincere gratitude to. Dr.
SHRINIVASA MAYYA D, Principal, Srinivas Institute of Technology, Valachil,
Mangalore, for his guidance and support in carrying out this organization study.

I thank to Dr. AJOY S JOSEPH, HOD, Department of MBA, Srinivas institute of

technology for giving us support and guidance for our organization study.

I thank to Prof. STEEVAN R TELLIS, Department of MBA, Srinivas Institute of

Technology, Valachil, Mangalore for giving us support and guidance for our
organization Study.

It gives me immense pleasure to express my deep sense of gratitude Mr.

BALAKRISHNA N D, Administration Manager, GEOJIT FINANCIAL
SERVICE LIMITED, Honnavar-581348.

And other managing staff of the company for giving me the privilege to conduct my
organization study and willingly rendering me their hands in gathering necessary
information. Finally, I would like to thank my Parents, almighty, and all my dear
friends who have helped me in the completion of the report.

Place: Honnavar AARON FRANCIS LOPES

Date: (01SU22MB101)
 EXECUTIVE SUMMARY/ ABSTRACT

This study is conducted on overall activities of “Geojit Financial Private

Limited”. This report provides the general information about financial sector and
Geojit Company.
The study was conducted for the period of 4 weeks. The main objective of this
study is to understand the working environment and to study the organizational
strategies for gaining competitive advantages. This has given the theoretical as
well as practical knowledge of working.
In this report you will find the details about the Internship Company Introduction
in the chapter 1. In the chapter 2, you will find details Product/Service Profile.
The 3rd chapter will explain about Industry Profile, you will find details about
An Overview of the Industry. SWOT Analysis of the organization. in the 4th
chapter is explained of Job Profile & Experience. The 5th chapter will
Conclusion in the company.
The main purpose of internship is to learn the working in practical environment
and to apply the knowledge acquired during the studies in the real-world
scenario in order to tackle the programmes using the knowledge and skills learnt
during the process.
This internship report covers many important aspects which are basically related
with the operations of the firm.
In the end the learning and experience includes the working experience and
things I have during my internship.
 TABLE OF CONTENTS

CHAPTER TITLE PAGE.NO

Executive summary
1 Introduction about the organization and industry 1-4

1.1 An Overview of the Organization

1.2 Profile of the industry

2 Organizational profile

2.1 Background

2.2 Nature of business

2.3 Vision, Mission & Quality policy

2.4 Workflow Model 5-22

2.5 Ownership pattern

2.6 Product/service profile

2.7 Achievements/Awards

2.8 Future Growth and Prospects

3 Mckensy’s 7S framework and Porter’s Five Force 23-31
Model with special reference to Organization Under
study.

4 SWOT Analysis 32-34

5 Analysis of financial statement 35-47
6 Learning experiences 48
7 Bibliography 49
 LIST OF TABLES

TABLE NO TITLE OF TABLE PAGE NO

1 Profit and Loss statement of Geojit Financial 36
Service Ltd
2 Balance sheet of Geojit Financial Service 39
Ltd
3 The current ratio 42
4 Quick ratio 43
5 Cash ratio 44
6 Current asset turnover ratio 45
7 Fixed asset turnover ratio 46

LIST OF FIGURES

FIGURE NO TITLE OF FIGURES PAGE NO

2.1 Work Flow Model 11
2.2 Ownership pattern 12
3.1 Mckensy’s 7S Model 24
3.2 Structure of Geojit 25
Financial Service Ltd
3.3 30
Porter’s Five Force
Model.
4.1 SWOT Analysis 32
 CHAPTER-1
INTRODUCTION ABOUT THE ORGANIZATION AND
INDUSTRY

1.1 An Overview of the Organization

The financial organization and industry play an important role in any country's economic
landscape, acting as the backbone that allows capital and resources to flow more freely.
In essence, these institutions provide the infrastructure for businesses, individuals, and
governments to manage their finances, investments, and risks. The financial industry
includes a wide range of entities such as banks, insurance companies, investment firms,
and regulatory agencies.

Banks, as central players, provide critical services such as deposit taking, lending, and
transaction processing. They serve as intermediaries between those with excess capital
and those in need of funds. Insurance companies, on the other hand, reduce risks by
providing coverage against a variety of uncertainties, ensuring stability for both
individuals and businesses. Investment firms and markets help to allocate capital by
connecting investors to opportunities to invest in stocks, bonds, and other financial
instruments.

Regulatory bodies oversee and enforce rules and regulations to ensure the financial
system's stability and integrity, protecting both investors and the general public. The
financial industry is constantly evolving, influenced by global economic trends,
technological advancements, and regulatory changes. Its health and efficiency are critical
to driving economic growth, job creation, and overall prosperity. Understanding and
navigating the complexities of the financial sector is critical for both individuals and
organizations, as they affect many aspects of daily life and business operations.

Regulatory bodies monitor and enforce rules and regulations to ensure the financial
system's stability and integrity, thereby protecting both investors and the general public.
The financial industry is constantly evolving in response to global economic trends,

1
technological advancements, and regulatory changes. Its health and efficiency are critical
for promoting economic growth, job creation, and overall prosperity. Understanding and
navigating the complexities of the financial sector is critical for both individuals and
organizations, as they have an impact on many aspects of daily life and business
operations.

Furthermore, the financial industry promotes global economic stability by providing risk
management tools and insurance services to protect businesses and governments from
uncertainty. The financial sector operates currency markets, which facilitate foreign
exchange transactions and enable countries to engage in international trade and
investment. These mechanisms help to allocate resources more efficiently, which
promotes global economic development and innovation.

Furthermore, the financial industry plays an important role in cross-border capital

allocation, influencing investment decisions and the development of emerging markets.
As technology advances, financial services become more interconnected and accessible,
allowing individuals and businesses to better participate in the global economy.

However, the global financial industry faces numerous challenges, including regulatory
complexities, geopolitical uncertainties, and the need for improved cybersecurity
measures. Nonetheless, its ability to adapt and innovate is critical for navigating the ever-
changing landscape of the interconnected global economy. Overall, the financial
industry's importance in promoting economic interconnectedness and providing tools for
long-term global growth cannot be overstated.

It promotes economic growth and stability by directing funds towards productive

investments, fostering entrepreneurship, and encouraging innovation. Financial
institutions, particularly multinational banks and investment firms, serve as
intermediaries between surplus capital in one part of the world and areas where it is
required for economic activity.

International trade is heavily reliant on the financial industry for payment and settlement
services. Financial institutions facilitate cross-border trade by using mechanisms such as
letters of credit, international wire transfers, and currency exchange. This, in turn, helps
2
to boost economic growth by expanding markets, encouraging specialization, and
allowing countries to capitalize on their comparative advantages.

The financial industry also plays an important role in global risk management.
International insurers provide insurance services that protect businesses and governments
from a variety of risks, including natural disasters and political instability. Financial
institutions operate derivative markets, which allow them to hedge against changes in
currency exchange rates, interest rates, and commodity prices. This risk-mitigation
function is critical for boosting confidence in the global economic system.

The financial industry relies heavily on global capital allocation. Investment firms and
funds deploy capital across regions and industries, influencing the growth of emerging
markets and supporting projects that promote sustainable development. This global
capital flow has the potential to boost economies, create jobs, and drive technological
advancement.

The global financial industry also faces challenges. Regulatory disparities between
countries can complicate cross-border transactions. Geopolitical tensions and
uncertainties can have an impact on financial markets, influencing investor confidence
and capital flows. Cybersecurity threats jeopardize the integrity of financial systems as
well as individuals' privacy.

The financial industry's impact on the global economy is multifaceted. It facilitates

international trade, promotes economic development, manages risks, and plays an
important role in capital allocation. Its resilience and adaptability are critical for
navigating the complexities and challenges of today's interconnected global economy.

India's financial industry is critical to the country's economic development and stability.
As an important pillar of the economy, the financial sector includes a wide range of
institutions such as banks, non-banking financial companies (NBFCs), insurance
companies, and capital markets.

One of the primary functions of India's financial industry is the efficient mobilization and
allocation of capital. Banks, as key players, transfer funds from savers to borrowers,

3
thereby assisting businesses, infrastructure projects, and individual aspirations. The
availability of credit and financial services empowers entrepreneurs and stimulates
economic activity, thereby driving innovation and job creation.

The financial industry plays an important role in promoting financial inclusion in India.
With initiatives like the Jan Dhan Yojana, the sector has worked to provide banking and
financial services to the unbanked and underprivileged. This not only empowers
individuals by providing access to formal financial systems, but it also helps the country's
overall economic development.

Furthermore, the insurance sector of the financial industry protects individuals and
businesses from a variety of risks, providing a safety net that increases resilience in the
face of uncertainty. Capital markets, such as the stock and bond markets, help businesses
and governments raise funds for expansion and infrastructure development.

The Indian financial industry serves as a catalyst for technological advancements by

promoting the adoption of digital financial services and fintech innovations. The adoption
of technologies such as mobile banking, digital wallets, and online investment platforms
has not only improved consumer convenience, but also increased the efficiency and
transparency of financial transactions.

Overall, the financial industry in India cannot be overemphasized. It is a key driver of

economic growth, promotes financial inclusion, reduces risks, and encourages innovation.
The sector's dynamism and adaptability are critical for navigating the country's changing
economic landscape, making it a key component in India's journey to becoming a
globally competitive and economically resilient nation.

The financial industry in India has far-reaching implications beyond its traditional role,
actively contributing to the country's economic and social fabric. One of the most
important contributions is the mobilization and allocation of capital, which drives
economic activity and development. Indian banks, both public and private, play an
important role in facilitating credit for businesses, infrastructure projects, and individuals,
thereby encouraging investments that lead to job creation and economic growth.

4
Finally, India's financial industry is a driving force behind economic growth, social
empowerment, and technological progress. Its multifaceted contributions, ranging from
capital allocation to financial inclusion and technological innovation, make it an essential
partner in India's path to sustainable development and economic prosperity.

CHAPTER-II
ORGANISATION PROFILE

2.1 Background

CJ George and Ranajit Kanjilal established Geojit BNP Paribas Financial Services in
1987 as a partnership. Ranajit Kanjilal left the company later in 1993. The Kerala State
Industrial Development Corporation became the first government organization in India to
own stock in a stock broking company when it purchased a 24 percent stake in the
business in 1995.

One of the biggest DP brokers in India, Geojit is a charter member of the Financial
Planning Standards Board of India. In an effort to provide financial services to the Gulf
countries, it has formed a joint venture to establish Barjeel Geojit Securities LLC, Dubai.
Presently covering Andhra Pradesh, Bihar, Chhattisgarh, Goa, Gujarat, Haryana, Jammu
& Kashmir, Karnataka, Kerala, Madhya Pradesh, Maharashtra, New Delhi, 21 Orissa,
Punjab, Rajasthan, Tamil Nadu & Pondicherry, Uttar Pradesh, Uttaranchal, and West
Bengal, the network of over 540 offices spread across 300 cities and towns is well-
established in nearly all major states of India.

Geojit Through its network of more than 450 branches throughout India, Muscat, Dubai,
Sharjah, Kuwait, Bahrain, Abu Dhabi, and Ras-Al-Khaimah, Geojit offers top-notch
services in equity trading. It has a number of subsidiaries, including Geojit Commodities,
which trades commodities, Geojit Credits, a non-banking financial company, and Geojit
5
Technologies, a software company

6
2.2 Nature of Business

Since its founding in Cochin, Kerala, in 2000, Geojit BNP Paribas has grown to become
one of India's top financial service providers, with a strong focus on the Middle East.
With a broad range of savings and investment options, the company provides its clients
with the benefit of its capital market experience. Mutual funds, stocks, and derivatives are
among the value-added goods and services provided. Over 7,76,000 clients' needs are
satisfied through multi-channel service, which includes the internet, phone services, a
dedicated customer care Centre, and a nationwide network of 480 offices.

 36 years of experience in Indian capital market.

 A Pioneer in online trading since the year 2000.
 Strong shareholder.
 Wide range of products.
 Attractive brokerage tariffs.
 0.3% for equity intra-day trades.
 0.3% for equity delivery trades.
 Rs.75/- for lot for options.
 0.03% for future including minify.
 First mover advantage.
 Wide network.
 A growing foot prints.
 First to launch internet trading in the year 2000.
 First Indian stock broking company to commence domestic retail broking
operations in any foreign country.
 First to launch exclusive branches for women in 2015.
 First to launch trading through mobile phones in 2010.
 First to launch trading in Facebook application in 2013.

7
2.3 Vision, Mission & Quality

policy Vision

To be organization of choice as a technology partner, Employer & corporate citizen by

constantly investing in our products, people and process.

Mission

To Enable our client to become leaders in their ecosystem by helping them build
strategic, business and technological edge by delivering cost effective, high quality and
quick time to market solutions; translating to higher client satisfaction and stronger client
relationship.

Quality policy

You agree and understand that the information and material contained in this website
implies and constitutes your consent to the terms and conditions mentioned below. You
also agree that Geojit Financial services can modify or alter the terms and conditions of
the use of this service without any liability.

1. INTRODUCTION:

The Geojit Financial Services Ltd. and its affiliates (henceforth referred to as
"Geojit") are dedicated to safeguarding the privacy of your personal information
and are committed to protecting our customers' sensitive personal data. In order to
better explain to you how we gather, utilize, and safeguard your information when
you visit our websites and mobile applications and make use of our goods and
services, we have prepared this Privacy Policy.

For the purposes of this policy, "personal information" means any information
pertaining to a natural person that can be used to identify that person either on its
own or in conjunction with any other information that Geojit has accessible.
Sensitive personal data or information has been regarded as a component of
personal information, as stated by Rule 3 of the IT (Reasonable Security Policies
8
 and Procedures and Sensitive Personal Data or Information) Rules, 2011.

2. PURPOSE & USAGE OF PERSONAL INFORMATION:

 Verify your identity and processing of your applications/forms/agreements.
 Process transactions/orders effectively for products and services.
 Inform about our and our group companies' products and services which we
consider may be of interest to you and may benefit you.
 Deal and respond with requests, enquiries or complaints and other customer
care related activities.
 General administrative, research and business purposes.

3. SECURITY PRACTICES AND PROCEDURES:

While your personal information is under our control, Geojit will take reasonable security
measures to prevent unauthorized access or disclosure. Access to personal data is
restricted by our security policies and processes to that which is strictly necessary.
Additionally, our staff members are required to uphold the confidentiality of personal
data under our internal code of conduct and confidentiality policies.

We take the required security measures to ensure that our third-party providers follow the
right security procedures and guidelines to safeguard the confidentiality of personal
information. We may retain your personal information on file for as long as is required to
perform our service commitments to you or as long as is required by law.

By using encryption technology, information about electronic transactions made through

this website will be secure. Additionally, it is your responsibility to keep your passwords

9
and/or account information private.

10
4. GRIEVANCE REDRESSAL (ONLY PERSONAL INFORMATION
RELATED AND NOT RELATED TO TRADING ACTIVITIES):
They pledge to protect the privacy of any personal information that we collect and
handle, and they welcome your ongoing support in doing so. You can reach us at
jojy@geojit.com if you have any comments or questions about how your personal
information is protected. As an alternative, you can address any comments or worries you
have about privacy to the Privacy Grievance Officer, whose information is shown below.

Jojy P. Joy
Chief Information Security Officer
Email: jojy@geojit.com
Contact no: 0484 2901276
Mobile: 9995800024

5. CHANGES TO THIS PRIVACY POLICY:

Geojit has the right, at any time and whenever necessary, to change or modify
this privacy statement. We ask that you check our website, www.geojit.com,
from time to time for updated information and updates.

Values:

 Customer centric
 Transparency
 Meritocracy
 Solidarity

11
Products and services profile:

 Equities
 Derivatives
 Currency futures
 Custody accounts
 Mutual funds
 Life insurance and general insurance
 IPO’s
 Portfolio management services
 Property services
 Margin funding
 Loans against shares

Company membership:

The company is a member of:

 NSE
 BSE
 CSDL
 NSDL

Company publications:

 Geodata-monthly magazine
 Barjeel market digest-monthly
 Online research reports for use of employees

12
2.4 Work Flow Model

CLIENT AQUISITION

FINANCIAL ANALYSIS

INVESTMENT MANAGEMNET

RISK MANAGEMENT

COMPIANCE AND REGULATORY

REPORTING

CLIENT COMMUNICATION AND

SUPPORT

PERFORMANCE REPORTING

REVIEW AND REFINEMENT

Figure NO:2.1 Work Flow Model

11
2.4 Ownership Pattern

GEOGIT FINANCIAL SERVICE LIMITED

SUBSIDIARY JOINT VENTURE ASSOCIATES

GIOGIT CREDIT
PRIVATE LTD
BARJEEL JEOJIT
67.75 HELD BY
GEOGIT SERVICE FINANCIAL
GFSL
INVESTMET LTD SERVICE
26.38 HELD BY LLC30 % HELD BY
GISL 100% HELD BY GFSL GFSL

GEOGIT
TECHLOAN PVT ALOULA GEOJIT
LTD CAPITALCOMPANY
GEOGIT
100% HELD BY 28% HELD BY GFSL
TECHNOLOGIES
GFSL
PVT LTD
65% HELD BY
GFSL
QURUM BUSINESS
GROUP 35% HELD BY BNP BBK GEOGIT
GEOGIT PARIBAS S A SECURITIES
SECURITIES LLC CO. K.S.C.C
51% HELD BY GFSL

Figure No: 2.2 Ownership patter

12
2.6 Product / service profile

Geojit Financial Services Limited

Geojit Financial Services Limited offers the following trading facilities: equity cash,
equity derivatives (NSE, BSE), currency futures (NSE, BSE, and MCX), portfolio
management services, distribution of third-party products like mutual funds, initial
public offerings (IPOs), life and general insurance, e-insurance, custody accounts,
property services, margin trading, and loans secured by shares.

Key services by Geojit Financial are:

 Geojit Equity Trading

As a registered member of the NSE and BSE, Geojit allows you to trade equity cash and
equity derivatives through its online and offline network (branch / sub brokers). The
Geojit equity research team is available to provide you with intraday stock tips, weekly
and daily research reports, and the most recent news and updates on the market.
Geojit's equity trading platform most likely provides users with the tools and technology
required to efficiently execute buy and sell orders. The platform provides investors with
real-time market information, stock quotes, and research reports to help them make
informed investment decisions. Additionally, Geojit may provide a variety of equity
trading accounts, including online trading accounts for those who prefer to trade
electronically.

13
  Geojit Commodity Trading

Up until December 2008, Geojit Commodities was a registered participant in the MCX, NCDEX, and NMCE.
Following that, it left the commodity sector. The primary driver behind exiting the commodities business was
the financial organization BNP Paribas's merger. Banks and financial institutions are prohibited from trading
in commodities futures.
Geojit's equity trading platform most likely provides users with the tools and technology required to
efficiently execute buy and sell orders. The platform provides investors with real-time market information,
stock quotes, and research reports to help them make informed investment decisions. Additionally, Geojit
may provide a variety of equity trading accounts, including online trading accounts for those who prefer to
trade electronically.

 Geojit Portfolio Management Services (PMS)

14
Geojit offers a variety of customized Portfolio Management Services (PMS) for High-Net-
Worth Individuals (HNIs) seeking individualized solutions for their investing goals. The
knowledgeable portfolio managers at Geojit create an investment portfolio for you that
consists of cash, bonds, fixed income, equities, and debt, tailored to your unique objectives.
The only person with the power to make investment decisions is the portfolio manager. For
the PMS Scheme, a minimum investment of Rs 25 lac is needed. Currently, Geojit provides
two products:

Investing in equities of mid- and small-cap companies with solid track records, excellent
management, promising profits and growth prospects, and solid fundamentals is known
as the Advantage Portfolio.
 Freedom Portfolio: investment in undervalued stocks with high growth potential
and available at reasonable valuations.

 Geojit Investment Advisory Service

Geojit Investment Advisory Services typically involve advising investors on financial
instruments such as stocks, mutual funds, and other investment opportunities. The advisory
services aim to help clients make sound investment decisions based on market analysis,
economic trends, and risk tolerance.
It's worth noting that the specific services and features provided by Geojit Investment
Advisory may have evolved or changed since my last update. For the most up-to-date and
accurate information on Geojit's Investment Advisory Services, I recommend visiting their
official website or contacting customer service directly. Furthermore, reviews and
feedback from current or previous clients can provide information about the quality and
effectiveness of their advisory services.

Investing in equities of mid- and small-cap companies with solid track records, excellent
management, promising profits and growth prospects, and solid fundamentals is known as
the Advantage Portfolio.

15
  Geojit Online Financial Planning

The online financial planning tool offered by Geojit is a premium service. You can prepare
for responsible saving and make knowledgeable financial decisions for yourself with the
help of our programmed.
This module will provide you with an unbiased, analytical viewpoint on important areas of
your financial well-being.
With the help of the Geojit Financial Planning tool, you can plan your retirement and life
objectives, understand your risk profile, assess your net worth, understand your financial
wellness, create a financial plan, and regularly review your financial progress.
Companies' financial planning schemes or services can evolve over time, and new ones
may be introduced. To obtain the most accurate and current information about Geojit's
financial planning scheme, I recommend visiting their official website or contacting their
customer service directly. They should be able to give you the most up-to-date information
on any financial planning services they offer, including features, fees, and how to enrol in
such programmers.

16
  Geojit Profiled Investment Tool

When an investor wishes to pursue long-term investments for wealth growth, this is a
component of the financial planning service. A platform for online mutual fund and gold
fund investment planning called Profiled Investment Tool can assist you in selecting the
appropriate funds for your needs after determining which fund classes best fit your risk
tolerance. The tool you are referring to might have been added or updated after my last
update, or it might be a particular Geojit service or function that wasn't well-known at the
time.

I advise visiting Geojit's main website or getting in touch with customer service if you
want the most precise and current information on their investment instruments. For
investing purposes, they ought to be able to give you comprehensive details about any
particular tools, features, or services they provide.

The procedure used by Geojit Financial Services Ltd. is two steps:

 Risk profiling
 Recommending category of funds that suits your profile and selecting funds from
recommended list.

17
  Geojit Ezeewill

As part of the Financial Planning tool, Geojit Ezeewill allows you to allocate your WILL
using online resources for your wealth. Due to life's unpredictability, it is crucial that
your riches go to the people you feel deserve and wish to see benefit from it while you
are away.

 Geojit BNP Paribas NRI Services

One can become a Non-Resident Indian client of Geojit BNP Paribas if they live in the
United Arab Emirates, Saudi Arabia, Bahrain, Kuwait, or Oman. US-based NRIs are not
eligible for NRI services provided by Geojit. In order to make NRI trading in India easier
for Middle Eastern investors, Geojit has partnered operations with several Middle Eastern
nations.

With the help of Barjeel Geojit, a joint venture between Sheikh Sultan Bin Al Saoud Al
Qassemi of Sharjah and Geojit BNP Paribas Financial Services Ltd., investors from all
over the world can now invest in Indian stocks and derivative markets of the NSE and
BSE, in addition to a variety of investment funds for efficient and effective portfolio
diversification.

18
The joint venture between Geojit BNP Paribas and the Al Johar Group in Saudi Arabia is
called Aloula Geojit Capital Co. Both the NRI and the Saudi national would be entitled to
make investments in the Saudi capital market. Additionally, the NRI would be permitted to
invest in Indian mutual funds and the Indian stock market. Geojit BNP Paribas is the first
Indian stock broking company to launch domestic retail brokerage activities abroad, thanks
to this joint venture.

 Geojit Mutual Fund Service

You can invest in significant mutual funds via Geojit. The Geojit Mutual Fund Service aids
in portfolio diversification. You can get a free research service from Geojit Mutual Fund
Geojit may offer tools and resources for portfolio tracking, allowing investors to track the
performance of their mutual fund investments over time. The company may also provide
expert guidance and advisory services to help investors build a well-balanced, goal-oriented
investment portfolio.

Investors should review the specific features, charges, and terms associated with Geojit's
Mutual Fund service, as these details may change over time. Individuals interested in using
Geojit's Mutual Fund service should visit the official website or contact Geojit's customer
service for the most current and accurate information on the available mutual fund offerings
and related services.

 Geojit IPO Investment

19
Investors interested in participating in an IPO through Geojit are typically required to open a
demat and trading account with the brokerage. Once the IPO is announced and the
subscription period begins, investors can bid on shares using the Geojit platform. The
platform would provide information about the IPO, such as the company's prospectus,
offering price, and other pertinent details.
With Geojit you can invest in IPO. Please refer more details on how to invest in IPO with Geojit.
IPO Research and updates are available for you free of cost.

 Geojit Branch Locator / Sub Broker

Geojit website provide the branch locator under customer service section. This locator can be used to
locate the branch nearby you.

Individuals interested in contacting Geojit's customer support can do so using the contact
information provided on their official website. Customer service representatives can provide
information about the nearest Geojit branch or sub-broker, as well as guidance on the services
available at each location.

Please keep in mind that the availability of branches and sub-brokers may change, so it's best to
check Geojit's official website or contact their customer service for the most up-to-date information
on branch locations and sub-brokers near you.

20
Awards and Certifications

1. Geojit was awarded Stock Broking Company of the Year Award at the Dhanam
Banking, Finance and Investment Summit and Award Nite 2018
2. Sixth year in a row, Geojit won NSDL awards in four categories at the 33rd DP
Conference and NSDL Star Performer Awards-2018
3. Top DP in new accounts opened – Non-Banking Category – 1st position and Best
Performer in Account Growth Rate – TOP DPs – 1st position
4. Top Performer in Active Accounts – Top DPs – 1st Position and Leader in Go Green
Initiative – 1st position
5. Geojit received Regional Retail Member of the Year – South Region Award at the
NSE Market Achievers 2018
6. Manager of the Year 2016 Award of the Kerala Management Association to Satish
Menon, Executive Director
7. Star Performer Award 2016 in four categories from National Securities Depository
Limited (NSDL)
8. CNBC – TV 18 - Financial Advisor Awards for six years in a row (from 2011 to
2018) to Barjeel Geojit Securities, LLC
9. WBR’s Trade Tech India Excellence Awards for the Mobile Trading Platform in 2010
10. 15th Rank in Money life Magazine’s Top 100 Wealth Creators of the decade (2001-
2011)

21
2.8 Future Growth and Prospects

 GEOJIT's focus on retail investors could be a positive in the long term, as

India's middle class is expected to grow significantly in the coming years.
 The company's expansion into new markets, such as insurance and mutual funds,
could also be a driver of growth.
 Geojit has invested heavily in technology in recent years, developing a user-
friendly online trading platform and mobile app.
 Geojit offers a wide range of financial services, including broking, wealth
management, investment banking, and distribution of financial products.
 strong brand recognition and reputation
 Geojit has a team of experienced professionals with a proven track record of
success in the financial services industry.
 Geojit's success will ultimately depend on its ability to execute its growth strategy
and adapt to the changing market environment.

22
 CHAPTER 3

MCKENSY’S 7S FRAMEWORK AND PORTER’S FIVE

FORCE MODEL WITH SPECIAL REFERENCE TO
ORGANIZATION UNDER STUDY.

Mckensy’s 7S model
Mckensy’s 7S model was developed by Robert Waterman and Tom Peters during early
1980s by the two consultants Mckensy’s Consulting organization. The model is a
powerful tool for assessing and analyzing the changes in the internal situation of an
organization. It is based on 7 key elements, which determine the organization’s success,
which should be interdependent and aligned for producing synergistic outcomes. The
Mckensy’s 7S model refers to the seven key interrelated or integrated elements of an
organization which are subdivided into hard and soft elements:

o The Hard elements are within the direct control of the management as it can be easily
defined and identified. The hard element includes Strategy, system and Structure.
o The Soft elements are less tangible and are difficult to be defined and identified as
such elements are more governed by the culture. But according to the proponents of
this model, these soft elements are equally important as the hard elements in
determining an organization’s success as well as growth in the industry. It includes
Shared value, staff, Style and skill.

23
 Figure No.3.1 Mckensy’s 7S Model

 Structure

Structure is the way in which a company is organized – chain of command and

accountability relationships that form its organizational chart. The organization structure
in Geojit financial Pvt Ltd can be viewed as established pattern of relationship among the
components of an organization. The organization structure in Geojit is well planned the
function and organization are bought to the notice of the employee. The authority and
responsibility are properly assigned and therefore the rest is carried smoothly.

24
 Figure No. 3.2: Organizational Structure

 System

Systems refers to the business and technical infrastructure of the company that
establishes workflows and the chain of decision-making. in January 2022, the
working hours of Geojit Financial Services Ltd might vary based on their different
offices or branches and could also be subject to change. Typically, the working hours
for financial institutions in India are from around 9:30 AM to 5:30 PM, Monday to
Friday, and from 9:30 AM to 2:00 PM on Saturdays.

However, it's always best to directly contact the specific Geojit Financial Services
branch or office you're interested in to get the most accurate and updated information
regarding their working hours, as they might have variations or updates that aren't

25
 reflected in generalized information. You can find this information on their official

website or by contacting their customer service helpline.

 Style

Geojit Financial Services Ltd., a leading financial services company, follows a

particular style in its operations and services. However, without access to real-time or
proprietary data post my last update in January 2022, I can offer general insights into
the typical style and services provided by financial institutions like Geojit.

Here's an example of how Geojit Financial Services Ltd. might structure its services:

Services Description

Stock Broking Offering equity and derivatives trading services

Investment Advisory Providing personalized investment advice and research

Portfolio Management Managing investment portfolios for clients

Mutual Fund Services Facilitating investments in mutual funds

Financial Planning Assisting clients in creating financial plans

Online Trading Providing online platforms for trading and investing

Research Reports Publishing market analysis and research reports

For the most accurate and updated information about Geojit Financial Services Ltd.'s
style, services, and offerings, I recommend visiting their official website, checking their
brochures or documents, or contacting their customer service directly. This will provide
you with the most recent and detailed insights into their services and operating style.

26
  Staff

Staff refers to the organizations human resource management is concerned with the
accomplishment of objectives by utilizing physical and financial resource through the
efforts of manpower.

Typically, financial services companies like Geojit Financial Services Ltd. might
have various teams and departments with roles such as:

Department Roles
Management CEO, CFO, COO, etc.
Sales Relationship Managers, Sales Executives
Research Market Analysts, Research Associates
Operations Operations Managers, Support Staff
IT IT Managers, Software Developers

Compliance Compliance Officers, Risk Managers

Customer Service Customer Support Representatives

This table is a generalized representation of the possible departments and roles within a
financial services firm like Geojit Financial Services Ltd. The actual structure and staff
may vary based on the company's organizational hierarchy and specific business needs.

For detailed or up-to-date information regarding Geojit Financial Services Ltd.'s staff or
organizational structure, it's best to refer to their official website or directly reach out to
their human resources department or customer service for the most accurate and recent
information.

 Skills
While skills are crucial in the financial services industry in general, Geojit Financial
Services Ltd. may require different talents for different roles, company objectives, or
departmental needs. Being a financial services provider, Geojit Financial Services Ltd.
27
needs a wide range of abilities to perform a variety of tasks. The following are some of
the fundamental abilities that people employed by Geojit or in the financial services
sector generally may have:

Skills Description

Understanding financial markets, investment products,

Financial Acumen economic trends, and risk management.

Ability to interpret complex data, perform financial analysis,

Analytical Skills and create models for decision-making.

Customer Relationship Building and maintaining client relationships, understanding

Management their needs, and providing suitable financial advice.

Effective verbal and written communication to interact with

Communication Skills clients, team members, and stakeholders.

Critical thinking to identify issues and provide strategic

Problem-Solving Skills solutions within financial contexts.

Adaptability and Ability to quickly adapt to changes in the financial landscape

Learning Agility and continuously learn about new regulations and products.

Familiarity with financial software, trading platforms, and

Technology Proficiency data analysis tools.

 Shared Values

Shared values are what engender trust values are the identity by which a company is
known throughout its business areas. These values must be explicitly stated as both
corporate objectives and individual values. These are the company level beliefs, mindsets
and assumption that shape how an organizational behave.

Geojit Financial Services Ltd., like many organizations, aims to embody certain values
that shape its culture and operations. While specific details on their shared values might
not be

28
publicly available or detailed extensively, I can provide an extended description of the
possible values that could be important to Geojit Financial Services Ltd.:

Shared Values Description

Upholding honesty, ethical behavior, and transparency in all

Integrity dealings.

Customer-Centric Prioritizing client needs, offering tailored solutions, and

Approach building long-term relationships.

Innovation and Embracing innovation, technological advancement, and

Adaptability adapting to changing market dynamics.

Excellence and Striving for excellence in service delivery, maintaining

Professionalism professionalism and expertise.

Collaboration and Fostering a collaborative work culture, valuing teamwork,

Teamwork cooperation, and mutual respect.

Corporate Commitment to corporate social responsibility, supporting

Responsibility communities, and adhering to ethical standards.

Porter’s Five Force Model

According to Michael Porter the Five Forces at work inside an industry can be assessed to
clarify that industry's potential gainfulness. As an industry makes industry benefits the
members of every one of the five powers will 'plan' to siphon gainfulness from that industry.
Porter Five Forces is an all- encompassing technique system that removed key choice from
simply investigating the current competition. Porter Five Forces centers around - how
Financial Services can manufacture a reasonable upper hand in Credit Services industry.
Directors at Financial Services cannot just utilize Porter Five Forces to build up a key
situation with in Credit Services industry yet in addition can investigate productive open
doors in entire financial sector.

29
 Figure No 3.3 Porter’s Five Force Model

I. Threat of new entrants

New participants in Credit Services brings advancement, better approaches for getting
things done and put focus on Financial Services through lower evaluating system,
lessening costs, and giving new incentives to the clients. Find Financial Services needs to
deal with every one of these difficulties and fabricate successful boundaries to shield its
serious edge. There won't be any new enormous mass-showcase players, yet there will be
new autonomous agent seller players just as discounters, banks, insurance agencies and
credit associations. Consider well the free shops where an intermediary can open for
business actually overnight.

II. Bargaining power of suppliers

All most all the organizations in the Credit Services industry purchase their crude
material from various providers. Providers in predominant position can diminish the
edges Financial Services can win in the market. Ground-breaking providers in financial
sector utilize their arranging capacity to separate more significant expenses from the
organizations in Credit Services field. The general effect of higher provider dealing
power is that it brings down the general benefit of Credit Services.
30
III. Bargaining power of buyers

Buyers are frequently a requesting part. They need to purchase the best contributions
accessible by following through on the base cost as could be expected under the
circumstances. This put focus on Financial Services gainfulness over the long haul. The
littler and all the more remarkable the client base is of Financial Services the higher the
haggling intensity of the clients and higher their capacity to look for expanding limits and
offers. Gone are the days when the business had all the data. In the 80's the telephone
would ring around evening time and the ends of the week with speculators searching for a
clarification for the drop in AT&T's stock. The paper was the main spot to get a statement
at that point and if AT&T went ex-profit it used to be sufficient to make a call.

IV. Threat of substitute product or services

What is it the organizations in the wealth management industry give? Wealth move,
wealth conservation and wealth creation. Wealth Transfer can be dealt with by insurance
agencies, and they do a ton! Wealth Preservation by banks, trust organizations, disaster
protection organizations. Wealth Creation in this nation has consistently experienced the
making of organizations; long, slow restrained contributing; karma with corporate
investment opportunities; land and other non-financial markets; these not the space of
expanded financial services organizations.

V. Rivalry among existing competitors

These organizations assault each other's neighborhood shops offering checks running
from 200% to 300% of the financial consultant's trailing year creation. One organization
had around 6500 Advisors during the 90's. Enrolling wars were warming up at that point.
Quick forward 13 years, they despite everything have around 6500 Advisors regardless of
3 acquisitions and 13 years of selecting. The business has been totally fixed in the value
inquire about divisions since 2003; sometime in the past the nature of research was a
differentiator and the competition to offer the best exhortation was angry. There is no
competition to be the least cost supplier, competition on costs is left up the counsel sitting
before the customer generally.
31
 CHAPTER 4 SWOT ANALYSIS

Figure 4.1 SWOT Analysis.

SWOT analysis is a strategic planning and strategic management technique used to help a
person or organization identify strengths, weaknesses, opportunities, and threats related
to business competition or project planning. It is sometimes called situational assessment
or situational analysis.

SWOT analysis is a technique for assessing the performance, competition, risk and
potential of a business, as well as part of a business such as a product line or division, an
industry, or other entity.

Using internal and external data, the technique can guide businesses toward strategies
more likely to be successful. Independent SWOT analysts, investors, or competitors can

32
also guide them on whether a company, product line, or industry might be strong or weak
and why.

Performing a SWOT (Strengths, Weaknesses, Opportunities, Threats) analysis of Geojit

Financial Services Limited might involve considering the following factors:

STRENGTHS

 Diversified Financial Services Geojit Financial Services might have a wide range of
financial products and services, offering clients multiple options.
 Market Presence Strong presence in specific regions or markets, allowing for a loyal
customer base.
 Technology Integration Utilization of advanced technology for trading platforms,
analytics, and customer service, improving efficiency and user experience.
 Expertise and experience A team of skilled professionals and experts in financial
services, enhancing credibility and reliability.
 Brand Reputation Positive brand image and customer trust built over the years.

WEAKNESS

 Limited Geographic Presence Geojit Financial Services might be limited in its

geographical reach, potentially missing out on broader market opportunities.
 Dependency on market condition Vulnerability to market fluctuations and
economic downturns that could impact revenues and client investments.
 Regulatory Compliance Adherence to complex financial regulations that might
increase operational costs or pose compliance challenges.
 Limited product portfolio Reliance on a narrow range of financial products, limiting
potential revenue streams.
 Customer service challenges Issues with customer support, response times, or
resolving client queries efficiently.

33
OPPORTUNITIES

 Competition Intense competition from established financial institutions or emerging

fintech startups offering similar services.
 Economic Uncertainty Fluctuations in the economy or financial markets impacting
investment sentiments and client confidence.
 Cybersecurity risks Potential threats of cyber-attacks or data breaches that could
compromise sensitive client information.
 Regulatory changes Rapid changes in financial regulations or compliance
requirements affecting business operations and costs.
 Interest rate fluctuations Changes in interest rates impacting the profitability of
certain financial products and services.

THREATS

 Economic Uncertainty Geojit may face challenges due to economic fluctuations

affecting investment and customer spending.
 Cybersecurity Risks The financial industry is susceptible to cyber threats; Geojit
must invest in robust cybersecurity measures to protect customer data.
 Changing Regulatory Landscape Evolving regulations could Impact Geojit’s
operation, requiring continuous adaptation to comply with new rules.

34
 CHAPTER-5
ANALYSIS OF FINANCIAL STATEMENTS

Introduction

Examining a company's performance in light of its industry and economic environment in

order to make a decision or recommendation is known as financial analysis. Financial
analysts frequently make judgements and suggestions about lending money to businesses,
particularly regarding whether and how much to invest in the company's debt or equity
instruments.

Evaluating the company's capacity to create enough cash to meet commitments and seize
opportunities, grow operations profitably, and achieve a return on capital that is at least
equal to the capital's cost is a major focus of financial analysis.

5.1 Profit and Loss Account

The profit and loss account is the one used to determine a company's annual net profit or
loss. The gross profit or loss of a business is calculated using the trade account. The net
profit is calculated by subtracting all indirect costs—that is, business-related expenses—
from the gross profit using the profit and loss account. The profit and loss account therefore
begins with the outcome of the trading account.

All the information required to generate the profit and loss statement is contained in the
trial balance. It considers solely indirect revenues and indirect expenses. The gross profit
or gross loss from a trading account is the starting point for this account. Gross profit is
shown on the credit side of the profit and loss account and gross loss is shown on the
debit side. All indirect costs are received by the debit side of this account, while all
indirect income is received by the credit side. "Net profit" results when the credit side's
total surpasses the debit side's total, while "net loss" occurs when the debit side's total
exceeds the credit side's total. The net profit or loss for a specific accounting period is
ascertained using the profit and loss account.

35
 Table 2: Profit and Loss a/c for the year
ending………

PROFIT & LOSS MAR 23 MAR 22 MAR 21 MAR 20 MAR

ACCOUNT OF GEOJIT 19
FINANCIAL
SERVICES (in Rs. Cr.)
12 12 12 12 12
months months months months months
INCOME
REVENUE FROM 418.96 480.79 403.19 285.45 284.25
OPERATIONS [GROSS]
Less: Excise/Service 0.00 0.00 0.00 0.00 0.00
Tax/Other Levies
REVENUE FROM 418.96 480.79 403.19 285.45 284.25
OPERATIONS [NET]
TOTAL OPERATING 419.52 480.79 403.19 285.45 284.25
REVENUES
Other Income 8.27 1.76 2.28 1.42 1.17
TOTAL REVENUE 427.79 482.55 405.87 286.88 285.42
EXPENSES
Cost Of Materials Consumed 0.00 0.00 0.00 0.00 0.00
Purchase Of Stock-In Trade 0.00 0.00 0.00 0.00 0.00
Operating And Direct 62.56 78.28 71.13 46.13 49.75
Expenses
Changes In Inventories Of 0.00 0.00 0.00 0.00 0.00
FG,WIP And Stock-In Trade
Employee Benefit Expenses 147.44 128.88 110.31 101.31 105.42
Finance Costs 8.03 5.16 3.03 2.94 2.34
Depreciation And 27.70 23.61 22.09 23.67 19.55
Amortization Expenses
Other Expenses 68.71 53.60 45.00 49.95 56.35
TOTAL EXPENSES 307.01 291.44 253.53 224.57 235.01

36
PROFIT/LOSS BEFORE 110.79 191.1 151.94 62.30 50.41
EXCEPTIONAL,
EXTRAORDINARY
ITEMS AND TAX

Exceptional Items 0.00 0.00 0.00 -10.20 -7.50

PROFIT/LOSS BEFORE 110.79 191.11 151.94 52.10 42.91
TAX

TAX EXPENSES
CONTINUED
OPERATION

Current Tax 22.53 48.94 38.30 17.17 19.37

Less: MAT Credit 0.00 0.00 0.00 0.00 0.00
Entitlement

Deferred Tax -1.30 -0.81 0.74 -0.02 -0.59

Tax For Earlier Years 0.00 0.00 -0.96 -2.79 -0.59
TOTAL TAX EXPENSES 21.23 48.12 38.08 14.36 18.37
PROFIT/LOSS AFTER 89.56 142.98 113.86 37.74 24.55
TAX AND BEFORE
EXTRAORDINARY
ITEMS

PROFIT/LOSS FROM 89.56 142.98 113.86 37.74 24.55

CONTINUING
OPERATIONS

PROFIT/LOSS FOR THE 89.56 142.98 113.86 37.74 24.55

PERIOD

37
5.2 Balance Sheet

A balance sheet is a financial statement that shows the assets, liabilities, and equity of a
corporation at a certain point in time. These balance sheet categories inform investors
about the company's assets and liabilities, as well as the amount of money invested by
shareholders.

The mathematical methodology is used to create the balance sheet:

Assets = Liabilities + Shareholders' Equity

A balance sheet is a snapshot of a company's financial status at a specific point in time,

commonly calculated every quarter, six months, or a year. Assets and liabilities are the
two key headings on a balance sheet.

Assets

Accounts are displayed from top to bottom in the assets sector in order of liquidity, or the
ease with which they can be turned into cash. They are separated into two categories:
current assets (those that can be converted to cash in one year or less) and non-current or
long-term assets (those that cannot be converted to cash easily).

Liabilities

Liabilities are the sums of money owed to third parties by a corporation, ranging from
bills owed to suppliers to interest on bonds issued to creditors to rent, utilities, and
salaries. Current obligations are those that are due within a year and are listed in
chronological order. After one-year, long-term liabilities are due at any time.

Shareholder’s Equity

The money attributable to a company's owners, or shareholders, is known as shareholders

‘equity. It's also called "net assets" since it's equal to a company's total assets less its
liabilities, or the debt it owes to non-shareholders.

38
 Table 3: Balance sheet as on ……….

Particulars MAR 23 MAR 22 MAR 21 MAR 20 MAR 19

12 months 12 months 12 months 12 months 12 months
EQUITIES AND
LIABILITIES
SHAREHOLDER
S FUND
Equity Share Capital 23.91 23.90 23.48 23.83 23.83
TOTAL SHARE 23.91 23.90 23.84 23.83 23.83
CAPITAL
Reserves and 556.22 536.82 423.53 344.59 378.55
Surplus
TOTAL 556.22 536.82 423.58 344.59 378.55
RESERVES AND
SURPLUS
TOTAL 580.62 562.47 454.59 373.99 407.61
SHAREHOLDERS
FUNDS
NON- CURRENT
LIABILITIES
Long Term 0.00 0.00 0.00 0.00 0.00
Borrowings
Deferred Tax 0.00 0.00 0.00 0.00 0.00
Liabilities [Net]
Other Long Term 153.10 14.09 29.78 14.11 12.71
Liabilities
Long Term 2.31 2.02 2.06 2.65 1.49
Provisions

39
TOTAL NON- 17.441 16.11 31.84 16.76 14.19
CURRENT
LIABILITIES
CURRENT
LIABILITIES
Short Term 77.52 48.25 15.00 0.00 0.00
Borrowings
Trade Payables 18.24 18.92 14.44 10.33 8.10
Other Current 405.43 559.46 443.92 310.19 292.50
Liabilities
Short Term 0.00 0.00 0.00 0.00 0.00
Provisions
TOTAL 501.19 626.64 473.36 320.52 300.60
CURRENT
LIABILITIES
TOTAL CAPITAL 1,099.21 1,205.22 957.79 711.79 722.40
AND
LIABILITIES
ASSETS
NON-CURRENT
ASSETS
Tangible Assets 81…68 71.45 61.48 69.65 72.16
Intangible Assets 13.14 8.56 9.70 9.94 13.08
Capital Work-In- 0.00 0.00 0.00 0.00 0.00
Progress
Other Assets 0.9 0.92 0.98 1.00 1.08
FIXED ASSETS 100.23 80.93 72.16 80.59 86.32
Non-Current 0.00 0.00 0.00 0.00 0.00
Investments

40
Deferred Tax Assets 7.04 5.71 4.69 5.53 5.48
[Net]
Long Term Loans 0.00 0.00 0.00 0.00 0.00
And Advances
Other non-current 29.97 25.63 20.07 25.77 15.67
Assets
TOTAL NON- 137.24 112.27 96.92 111.88 107.46
CURRENT
ASSETS
CURRENT
ASSETS
Current Investments 17.50 16.11 11.99 61.99 44.99
Inventories 0.00 0.00 0.00 0.00 0.00
Trade Receivables 96.79 123.84 107.55 72.38 127.70
Cash And Cash 542.48 673.33 545.82 371.74 207.81
Equivalents
Short Term Loans 247.49 216.65 111.83 15.63 55.19
And Advances
Other Current 57.71 63.01 84.19 77.64 179.24
Assets
TOTAL 961.98 1,092.95 860.87 599.38 614.94
CURRENT
ASSETS
TOTAL ASSETS 1,099.21 1,205.22 957.79 711.27 722.40

41
Ratio Analysis

A basic arithmetical statement of one number to another is a ratio analysis. It's the
specified quotient of two mathematical expressions, for example. The ratio analysis is a
financial statement examination and interpretation technique. It's a method of
calculating and evaluating various ratios in order to assist in making judgments. It is
merely a tool for gaining a better knowledge of a company's financial strength and
weaknesses.

1. CRRENT RATIO

It is one of the most extensively utilized methods for determining a concern's liquid
position. It is used to assess a company's solvency and short-term financial strength. It
shows the link between a company's present assets and liabilities. The current ratio can be
represented as follows in the form of an equation:

Current Ratio = Total Current Assets

Total Current Liabilities

Table 4: Current Ratio

Sl no Year Current asset Current Ratio
liabilities
1 2019 6149400000 3006000000 2.05
2 2020 5993800000 3205200000 1.87
3 2021 8608700000 4733600000 1.82
4 2022 10929500000 6266400000 1.74
5 2023 9619800000 5011900000 1.92

42
Interpretation

The above table represents the current Ratio from 2019 to 2023. The current ratio in
2018- 19 is 2.05 times, 2019-20 is 1.87 times, 2020-21 is 1.82 times 2021-22 is 1.74
times and 2022-23 is 1.92 times. The ratio has increased from 2018-19 to 2020-22 and
then it was decreases for the year 2020-21 and again decreased in the financial year 2021-
22 and then increased in the financial year 2022-23. The company is no more capable for
pay its obligation.

2. QUICK OR ACID TEST RATIO

The quick ratio, also known as the acid-test ratio is a type of liquidity ratio, which
measures the ability of a company to use its near cash or quick assets to extinguish or
retire its current liabilities immediately.

Quick Ratio = Quick Assets

Quick Liabilities

Table 5: Quick Ratio

Sl no Year Quick Asset Quick Ratio

liabilities
1 2019 6149400000 3006000000 2.50
2 2020 5993800000 3205200000 1.87
3 2021 8608700000 4733600000 1.82
4 2022 10929500000 6266400000 1.74
5 2023 9619800000 5011900000 1.92

43
Interpretation

The above table represents the current Ratio from 2019 to 2023. The current ratio in
2018- 19 is 2.05 times, 2019-20 is 1.87 times, 2020-21 is 1.82 times 2021-22 is 1.74
times and 2022-23 is 1.92 times. The ratio has increased from 2018-19 to 2020-22 and
then it was decreases for the year 2020-21 and again decreased in the financial year 2021-
22 and then increased in the financial year 2022-23. The company is no more capable for
pay its obligation.

3. CASH RATIO

The cash ratio is a liquidity measure that shows a company's ability to cover its short-
term obligations using only cash and cash equivalents. The cash ratio is derived by
adding a company's total reserves of cash and near-cash securities and dividing that sum
by its total current liabilities.

Cash Ratio = Cash Equivalents

Current Liabilities

Table 6: Cash Ratio

Sl no Year Cash Current Ratio

equivalents liabilities
1 2019 2078100000 3006000000 0.69
2 2020 3717400000 3205200000 1.15
3 2021 5458200000 4733600000 1.15
4 2022 6733300000 6266400000 1.07
5 2023 5424800000 5011900000 1.08

44
Interpretation

Cash in most liquid assets, marketable securities and trade investments are equivalent to
cash, Cash Ratio more than one indicates that firm has liquid resources, which are low in
profitability. carried a small amount of cash in 2019 and 2019 to 2021 and in 2022
decreased to 1.07 and again increased to 1.08. In the present scenario cash position of the
company is 1.08.

4. CURRENT ASSET TURNOVER RATIO

It signifies that present asset are passed over more frequently in the form of sales. The
potential to produce maximum sales with the least investment in current assets of the firm
is indicated by a higher current asset’s turnover ratio.

Current Assets Turnover Ratio = Total Sales

Current assets

Table 7: Current Asset Turnover Ratio

Sl no Year Total sales Current assets Ratio

1 2019 2842500000 6149400000 0.46
2 2020 2854500000 5993800000 0.47
3 2021 4031900000 8608700000 0.46
4 2022 4807900000 10929500000 0.43
5 2023 4189600000 9619800000 0.43

Interpretation

The year 2020 revealed the highest current assets turnover ratio of 0.47 among the five
years, followed by 0.46 in the year 202019 and 2021. This high current asset turnover

45
ratio

46
demonstrates the organization’s capacity to maximize sales while investing less in current
assets. Higher the current asset higher will be the circumstances. But the ratio dropped
down in the following year indicating decline in the efficiency of utilizing the working
capital. The above chart also depicts an increasing trend in the current asset’s turnover
ratio from 0.47 in 2021. While looking at other ratio, these three years show a lower
value, indicating that the company is not efficiently employing its assets and may be
experiencing, internal issues.

5. FIXED ASSET TURNOVER RATIO

The ratio of fixed assets to total assets is used to compare a company's state revenue to its
fixed assets. This ratio explains how fixed assets are used effectively and efficiently to
increase revenue. This ratio is used to calculate the productivity of fixed assets in
producing revenue. It can be assumed that the company's fixed assets are being managed
well if the ratio is high. The most crucial ratio in ratio analysis is the fixed asset turnover
ratio.

Fixed Assets Turnover Ratio = Net Sale

Net Fixed Assets

Table 8 : : Fixed Asset Turnover ratio

Sl no Year Net Sales Net fixed Ratio

Assets
1 2019 2842500000 863200000 3.29
2 2020 2844500000 805900000 3.52
3 2021 4031900000 721600000 5.58
4 2022 4807900000 809300000 5.94
5 2023 4189600000 1002300000 4.1

47
48
Interpretation

The fixed asset turnover ratio for the years 2019 through 2021 is displayed in the table
above. The fixed asset turnover ratio stood at 2.39 in 2019. The ratio was 3.52 in 2020
and 5.58 in 2021. It implies that management is utilizing its fixed assets more effectively.
A high debt-to-total-assets ratio doesn't tell you anything about a company's potential to
generate steady cash flows or profits.

49
 CHAPTER 6

LEARNING EXPERIENCE

The study has been conducted in Geojit Financial Service Limited which helped in
gaining in-depth information of how a company operates. The study has been contributed
in learning about a great deal and apply theoretical knowledge to real-world situations.

An organizational design-based framework for change is the Mckensy’s 7S Model.

Structure, strategy, system, shared values, skill, style, and staff are the seven important
factors that it tries to illustrate how change leaders may manage organizational change
effectively by planning around their interactions.

Five forces analysis can help organizations make decisions about whether to enter a
certain sector, whether to expand capacity in a particular industry, and how to establish
competitive strategies by assisting them in understanding the elements driving
profitability in that market.

The study had given opportunity to closely watch the activity of the company. The
manner in which the work flows from one level to another was clearly understandable.
The whole business is divided into different activities. The activities are not mixed up or
over lapped by any other departments. Clear and specific job details embarked. The
company has great working structure, good coordination and communication.

Every business unit's foundation is its financial statements. It serves as a reflection for
upcoming activities, the profit and loss account, balance sheet, and ratios that provide an
overall assessment of the company's financial performance. was tremendously helped by
my offline internship. It provided a crystal-clear picture of the workplace in practical
terms.

50
BIBLIOGRAPHY
 Investment Analysis and Portfolio Management – Prasanna Chandra
 Moneycontrol.com
 finance.yahoo.com
 www.geojit.com
 www.ndtv.com
 www.educba.com
 ircrt.com
 Nifty50.com

REFERENCES

 "City Union Bank inks MOU with Geojit BNP Paribas". NDTV. 25
November 2011. Retrieved 20 May 2018.
 "Federal Bank Launches Online Trading in Association with Geojit". Outlook
India. 7 January 2009. Retrieved 20 May 2018.

 "Geojit BNP Paribas Deploys Brocade Switching Infrastructure". First Post. 2

February 2017. Retrieved 20 May 2018.
 Geojit Financial Services Ltd". Business Standard India. Retrieved 15
May 2018.

 "Geojit Financial Services History | Geojit Financial Services Information –

The Economic Times". economictimes.indiatimes.com. Retrieved 15
May 2018.

51
 ANNEXURES
Weekly Progress Report 1
Student Name AARON FRANCIS LOPES

USN 01SU22MB101

Title of the study Internship study

Organization Logician media service pvt ltd

Duration 30/10/2023 to 30/11/2023

(Week start and end date)

Chapters covered Chapter 1 -Industry profile

(during the week)

Description of activities History of Geojit it industries, Impact of Geojit

performed during the week market, SAAS , current situation and growth of digital
marketing.

Date Signature of student

Signature of Internal Guide with date

52
Weekly Progress Report 2
Student Name AARON FRANCIS LOPES

USN 01SU22MB101

Title of the study Internship study

Organization Logician media service pvt ltd

Duration 30/10/2023 to 30/11/2023

(Week start and end date)

Chapters covered Chapter 2 -company profile

(during the week)

Description of activities Background of company, Age of Company, when

performed during the week started, founder details, staff, work model, clients,
product and service offered and nature of business.

Date Signature of student

Signature of Internal Guide with date

53
 Student Name Aaron Francis Lopes

USN 01SU22MB101

Title of the study Internship study

Organization Logician media service pvt ltd

Duration 30/10/2023 to 30/11/2023

(Week start and end date )

Chapters covered Chapter 3 - 7s and financial analysis

(during the week)

Description of activities Strategy, Structure, System, Threat, suppliers,

Implementation of SAAS and analysing its charge,
performed during the week
expenses, analysing the old financial statement .

Weekly Progress Report 3

Date Signature of student

Signature of Internal Guide with date

54
Weekly Progress Report 4
Student Name Aaron Francis lopes

USN 01SU22MB101

Title of the study Internship study

Organization Geojit financial service ltd

Duration 30/10/2023 to 30/11/2023

(Week start and end date)

Chapters covered Chapter 4 -SWOT analysis

(during the week)

Description of activities Understanding about business and company, analysing

performed during the week its strengths, weakness, its competitors, their
strategies, opportunities and threat faced by the
companies.

Date Signature of student

Signature of Internal Guide with date

55
56