A

COMPANY ANALYSIS REPORT

ON

“GEOJIT FINANCIAL SERVICES”

Submitted To

ALLUM KARIBASAPPA INSTITUTE OF MANAGEMENT, BALLARI

Submitted in partial fulfillment of 2nd and 3rd semester

“MASTER OF BUSINESS ADMINISTRATION”

Submitted by

G TEJAS

P16AB22M015015

Under the guidance of

DR.DIWAKAR SIR ASSISSTANT PROFESSOR

V.V.SANGHA’S

ALLUM KARIBASAPPA INSTITUTE OF MANAGEMENT

Veerashaiva College Campus, Cantonment, Airport Road

Ballari – 583104Batch (2023-24)

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 Geojit Financial ServicesPeople You Prosper With
Chapter Particular Page
Number No
EXECUTIVE SUMMARY
1 INTRODUCTION ABOUT THE ORGANIZATION & INDUSTRY
1(a) INTRODUCTION TO THE STUDY
OBJECTIVES OF THE STUDY
NEED FOR THE STUDY
SCOPE 0F THE STUDY
RESEARCH METHODOLOGY
LIMITATIONS OF THE STUDY
1(b)PROFILE OF THE INDUSTRY
2 PROFILE OF THE COMPANY
2.1 FACTORS THAT PROMPTED THE ESTABLISHMENT
2.2NATURE OF THE BUSINESS
2.3, MISSION, QUALITY POLICY
2.4WORKFLOW MODEL (STRUCTURE)
2.5PRODUCT/SERVICE PROFILE
2.6OWNERSHIP PATTERN
2.7ACHIEVEMENTS/AWARDS
2.8 FUTURE GROWTH AND PROSPECTS
3 3.1 Mc KINSEY’S 7S FRAME WORK WITH SPECIAL
REFERENCE TO ORGANIZATION STUDY
3.2 PORTERS FIVE FORCE MODEL WITH SPECIAL
REFERENCE TO ORGANIZATION STUDY
4 SWOT ANALYSIS
5 ANALYSIS OF FINANCIAL STATEMENT
6 LEARNING EXPERIENCE
BIBLIOGRAPHY

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 EXECUTIVE SUMMARY
Geojit Financial Services Limited Provide a brief introduction to Geojit, including its core
business activities, the markets it operates in, and any notable achievementsSummarize the
company's recent financial performance. This may include key financial metrics such as revenue,
net income, and any significant changes or trends.DescribeGeojit's position in the market,
including its competitive strengths, market share, and any recent market developments.Highlight
the main products and services offered by Geojit, emphasizing any recent launches or
innovationsDiscuss any strategic initiatives the company is currently undertaking or planning,
such as partnerships, expansions, or acquisitions.Briefly mention any significant risks or
challenges that Geojit faces, including market risks, regulatory challenges, or industry-specific
risks.If applicable, touch on Geojit's CSR initiatives and its commitment to social and
environmental responsibility.

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 Headquar
ter :Kochi, Kerala, India

Founded :1987

Type :Public

Traded as :BSE: 532285

NSE :GEOJITFSL

Industry :Financial services

Products :Investment Management Solutions

Website :www.geojit.com

ALLUM KARIBASAPPA INSTITUTE OF MANAGEMENT, BALLARI

 CHAPTER 1
1A.Introduction To The Study
Geojit Financial Services Ltd. is an investment services company in India headquartered in
Kochi, Kerala.It operates a network of offices across India and the Middle East.Geojit was the
first company in India to launch online-trading facilities, develop franchise models of sub-
broking, form joint ventures in West Asia and the first to begin commodity futures trading in
pepper, cardamom, gold and silver in India.Geojit was founded by C J George in 1987 and the
major stakeholders of the company include C J George – Managing Director of Geojit, global
banking major BNP Paribas, Kerala State Industrial Development Corporation and Rakesh
Jhunjhunwala.As of 31 December 2017, it has over Rs.41,000 crores as assets under custody and
management, servicing over913,000 clients.

OBJECTIVES OF THE STUDY

 Client Satisfaction: Providing clients with quality services, investment advice, and
support to meet their financial goals and ensure their satisfaction.

 Financial Inclusion: Expanding access to financial products and services to a broader

segment of the population, including retail investors, thereby promoting financial
inclusion.

 Innovation: Continuously innovating and adapting to changes in the financial markets,

technology, and client needs to stay competitive and relevant.

 Risk Management: Implementing robust risk management practices to safeguard the

interests of clients and the company.

 Regulatory Compliance:Ensuring compliance with all relevant laws, regulations, and

standards governing the financial services industry.

 Profitability: Achieving sustainable growth and profitability to create value for

shareholders and other stakeholders.

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 Diversification: Offering a diversified range of financial products and services to cater to
different client needs and preferences.

 Talent Development:Investing in the development and training of employees to build a

skilled and knowledgeable workforce capable of delivering high-quality services.

 Ethical Practices: Upholding high ethical standards and promoting transparency, integrity,
and fairness in all business dealings.

 Digital Transformation: Embracing digital technologies and platforms to enhance service

delivery, improve operational efficiency, and provide clients with convenient access to
financial services.

NEEDS FOR THE STUDY

 Regulatory Compliance: Adherence to the regulations set by the Securities and Exchange
Board of India (SEBI) and other relevant regulatory bodies is crucial. This includes
ensuring transparency in operations, safeguarding client interests, and maintaining capital
adequacy.

 Technology Infrastructure: A robust and secure technology platform is essential for

trading, research, analytics, and client services. This includes online trading platforms,
mobile applications, and back-end systems for processing and settlement.

 Research and Analysis: Providing timely and accurate research reports, market analysis,
and investment recommendations is vital to help clients make informed decisions.

 Client Relationship Management: Offering personalized services, investment advice, and

regular updates to clients to build long-term relationships and trust.

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 Risk Management: Implementing effective risk management strategies to mitigate
various types of risks, including market risk, credit risk, operational risk, and regulatory
risk.

 Diverse Product Offerings: Providing a wide range of financial products and services
such as equities, derivatives, mutual funds, portfolio management services, insurance,
and more to cater to the diverse needs of clients.

 Education and Training: Offering educational resources, workshops, and training

programs to help clients understand the financial markets, investment strategies, and risk
management techniques.

 Operational Efficiency: Streamlining operations, leveraging technology, and continuously

improving processes to enhance efficiency, reduce costs, and deliver better value to
clients.

 Brand and Reputation Management: Building a strong brand image and maintaining a
good reputation in the market through ethical practices, transparency, and excellent
customer service.

 Financial Strength: Maintaining a strong financial position, adequate capital reserves, and
sustainable growth to instill confidence among clients, investors, and other stakeholders.

SCOPE OF THE STUDY

 Stock Broking: Geojit is primarily known for its stockbroking services. It provides a
platform for trading in equities, derivatives, commodities, and currencies both in India
and abroad.

 Investment Advisory: Geojit offers investment advisory services to help clients make
informed decisions. They provide research reports, market insights, and personalized
advice based on individual financial goals and risk tolerance.

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 Portfolio Management Services (PMS): For high-net-worth individuals and institutional
clients, Geojit offers Portfolio Management Services where professionals manage the
client's investment portfolio on their behalf.

 Mutual Fund Distribution: Geojit acts as a distributor for mutual funds, allowing clients
to invest in a variety of mutual fund schemes based on their investment objectives.

 Financial Planning: The company provides financial planning services to help clients set
and achieve their financial goals. This may include retirement planning, tax planning, and
wealth management strategies.

 Insurance Products: Geojit offers various insurance products, including life insurance,
health insurance, and general insurance, to provide comprehensive financial protection to
its clients.

 Online Trading Platforms: Geojit has developed user-friendly online trading platforms
and mobile applications that enable clients to trade and manage their investments
conveniently.

 Research and Analysis: Geojit's team of research analysts provides regular research
reports, market analysis, and insights on various asset classes, helping clients stay
updated and make informed investment decisions.

 Education and Training: Recognizing the importance of financial literacy, Geojit

conducts educational seminars, webinars, and training programs to educate clients and
the general public about financial markets and investment strategies.

 International Presence: Apart from its strong presence in India, Geojit has expanded its
operations internationally, offering services in countries like Oman, Saudi Arabia, and the
UAE, catering to the investment needs of the Indian diaspora and local clients.

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 RESEARCH METHODLOGY
 Fundamental Analysis: This involves analyzing the financial statements, management,
competitive position, and other qualitative and quantitative factors of a company to
determine its intrinsic value and growth prospects.

 Technical Analysis: This involves studying historical market data, primarily price and
volume, to forecast future price movements. Chart patterns, technical indicators, and
other tools are used in this analysis.

 Economic Analysis: Brokers might analyze macroeconomic factors such as interest rates,
inflation, GDP growth, and geopolitical events to understand the broader market trends
and potential impacts on specific sectors or stocks.

 Sectoral Research: Focusing on specific industries or sectors to identify trends,

opportunities, and risks that may affect the performance of companies within those
sectors.

 Company Visits & Management Interaction: Analysts may visit company facilities, meet
with management teams, and attend conferences to gather firsthand information and
insights.

 Quantitative Analysis: Using statistical models and algorithms to analyze large sets of
data for patterns and insights that may not be apparent through traditional methods.

 Brokerage Reports: Brokerage firms often publish research reports that provide detailed
analysis, recommendations, and forecasts on specific stocks, sectors, or markets.

LIMITATIONS OF THE STUDY

 Market Risks: Any investment in the stock market carries inherent risks. Geojit, as a
brokerage, cannot guarantee returns or safeguard against market downturns.

 Service Limitations: While Geojit provides a range of services, there might be specific
financial products or markets that they do not cover comprehensively.
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 Fee Structure: Like other brokerages, Geojit will have its fee structure which might
include brokerage charges, account maintenance fees, etc. Clients need to be aware of
these costs and how they might impact their investments.

 Technology and System Outages: Any brokerage firm, including Geojit, can face
technological glitches, system outages, or downtime which might impact trading
activities.

 Regulatory Changes: Changes in financial regulations or policies by regulatory bodies

can affect the operations and offerings of Geojit. Clients need to be updated about such
changes and their implications.

 Customer Service: While Geojit might offer customer support, the quality and
responsiveness can vary. Some clients might face challenges in getting timely assistance
or resolution to their queries.

 Limited Control: Investors who use Geojit's services might have limited control over the
timing or execution of trades, especially during high market volatility.

 Research and Analysis: While Geojit might provide research reports and market analysis,
the quality, accuracy, and timeliness of such information can be variable.

 Diversification: Depending solely on the advice or services of a single brokerage like

Geojit might limit an investor's exposure to diverse investment opportunities or
strategies.

 Potential Conflicts of Interest: Like other financial institutions, there might be situations
where Geojit's interests (like promoting certain financial products) might not align
perfectly with the best interests of their clients.

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 1(B) PROFILE OF THE INDUSTRY

Geojit was founded by C J George in 1987 and the major stakeholders of the company include C
J George – Managing Director of Geojit, global banking major BNP Paribas, Kerala State
Industrial Development Corporation and Rakesh Jhunjhunwala. As of 31 December 2017, it has
over Rs.41,000 crores as assets under custody and management, servicing over 913,000 clients.

The network of Geojit covers more than 300 cities in states in India such as Andhra Pradesh,
Bihar, Chhattisgarh, Goa, Gujarat, Haryana, Jammu and Kashmir, Karnataka, Kerala, Madhya
Pradesh, Maharashtra, New Delhi, Orissa, Punjab, Rajasthan, Tamil Nadu & Pondicherry,
Telangana, Uttar Pradesh, Uttaranchal and West Bengal.

The company has B2B partnerships with a number banks such as Axis Bank (the partnership
received IBA recognition 2007 & 2008), Federal Bank, Andhra Bank, Oriental Bank of
Commerce, SVC Bank (Shamrao Vithal Co-operative Bank), Corporation Bank, South Indian
Bank and IndusInd Bank.

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 CHAPTER 2

Profile of The Company

 Back ground
Geojit Financial Services Limited is an Indian financial services company that provides a range
of services in the field of investment and trading. Here is some background information on
Geojit Financial Services Limited:

1. Founding and Establishment:

Geojit Financial Services was founded in 1987 by C. J. George and RanajitKanjirath. The
company started as a partnership firm in Kerala, India, and gradually expanded its presence in
the financial services sector.

2. Services:
Geojit offers a variety of financial services, including:

 Stock Broking:Geojit is known for its stockbroking services, providing a platform for
clients to buy and sell stocks on various stock exchanges.
 Portfolio Management Services (PMS): The company offers PMS to high-net-worth
individuals, managing their investment portfolios.
 Mutual Fund Distribution:Geojit is involved in the distribution of mutual funds,
helping clients invest in a diverse range of mutual fund schemes.
 Financial Planning:Geojit provides financial planning services to assist clients in
achieving their financial goals.
 Research and Advisory Services: The company offers research reports and advisory
services to help clients make informed investment decisions.

3. Technology and Platforms:

Geojit has adapted to technological advancements in the financial industry. It provides online
trading platforms and mobile applications to facilitate easy and convenient trading for its clients.

4. Expansion and Presence:

Over the years, Geojit Financial Services has expanded its presence across India. It has a
network of branches and franchise offices to reach a wider customer base.

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5. Partnerships:
Geojit may have formed strategic partnerships with other financial institutions or companies to
enhance its product and service offerings.

6. Regulatory Compliance:
Like any financial services company, Geojit Financial Services operates under the regulatory
framework set by the Securities and Exchange Board of India (SEBI) and other relevant
regulatory authorities.

 Nature of business

 Investment Advisory: The company provides investment advisory services to help

clients make informed investment decisions.
 Mutual Funds:Geojit facilitates investments in mutual funds, allowing clients to
diversify their portfolios through professionally managed funds.
 Financial Planning:Geojit may offer financial planning services to help clients set
and achieve their financial goals.
 Depository Services:The company may provide depository services, allowing clients
to hold and transact in financial securities in electronic form.
 Research and Analysis: Geojit Financial Services may conduct research and
analysis on financial markets, providing insights and recommendations to its clients.

 Vision mission, quality policy

o Vision
Typically, a company's vision statement outlines its long-term aspirations, goals, and the
impact it aims to make in the industry or community. It reflects the company's values and
strategic directions.

o Mission
A mission statement usually outlines the fundamental purpose of a company, its goals, and its
values.

o Quality policy

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Quality policy outlines an organization's commitment to delivering high-quality products or
services, meeting customer expectations, and continuously improving processes. It may also
highlight adherence to regulatory standards and a focus on customer satisfaction.

 Workflow model

 Client Onboarding:
 Application submission
 KYC (Know Your Customer) verification
 Account opening
 Investment Advisory:
 Risk profiling
 Financial goal assessment
 Investment strategy development
 Trading and Investment Execution:
 Market analysis
 Order placement
 Trade execution
 Risk Management:
 Monitoring market fluctuations
 Risk assessment and mitigation strategies
 Portfolio Management:
 Diversification of investments
 Portfolio rebalancing
 Performance tracking
 Compliance and Regulation:
 Adherence to regulatory requirements
 Reporting and documentation
 Customer Support:
 Addressing client queries
 Resolving issues related to trading or account management
 Technology and Infrastructure:
 Utilizing trading platforms
 Ensuring the security of client data
 Research and Analysis:
 Market research

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 Fundamental and technical analysis
 Investment recommendations
 Education and Communication:
 Client education on market trends
 Providing updates on investment performance
 Communication of corporate actions
 Account Maintenance:
 Periodic statements
 Account updates
 Dividend and interest payouts

 Product/Service
Geojit Financial Services Limited typically offers services related to:

o Stock Broking:Geojit is known for its stockbroking services, allowing clients to

buy and sell stocks on various stock exchanges.

o Portfolio Management Services (PMS):Geojit may provide portfolio

management services where they manage investment portfolios on behalf of
clients.

o Mutual Fund Services:Geojit may offer mutual fund investment services,

allowing clients to invest in a variety of mutual funds.

o Investment Advisory Services:Geojit may provide investment advisory services,

offering advice and recommendations on investment strategies.

o Online Trading Platforms: The company likely offers online platforms and tools
for clients to trade and manage their investments online.

ALLUM KARIBASAPPA INSTITUTE OF MANAGEMENT, BALLARI

 o Research and Analysis:Geojit may provide research reports and market analysis
to help clients make informed investment decisions.

o Depository Services:Geojit may offer depository services, allowing clients to

hold and transact in securities in electronic form.

PromoterMFFIIPublicOthers
HISTORICAL PROMOTOR HOLD

HISTORICAL MF HOLDING

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HISTORICAL FII HOLDING

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 Geojit Financial Services has received the following awards:
 TiE Kerala Lifetime Achievement Award: Received by CJ George, the
founder and managing director of Geojit
 Lifetime Achievement Award: Received by A. P. Kurian, the chairman and
non-executive independent director of Geojit
 IBA award: Received in 2007 for innovative B2B2C infrastructure

 Geojit has also achieved the following:

 Integrated platform for online and offline trading in 2005

 Launch of Financial Investment Platform (FLIP) in 2008

Geojit is a SEBI registered intermediary and a Depository Participant of NSDL and

CDSL. It is listed on the National Stock Exchange (NSE) and the Bombay Stock
Exchange (BSE).

 Future growth and prospects of Geojit Financial Services

Limited
To assess the future growth and prospects of Geojit Financial Services Limited, you may
want to consider the following factors:

 Market Conditions:The overall economic and market conditions can significantly

impact the financial services industry. Assess the general economic outlook, interest rate
trends, and market conditions to understand how these factors might affect Geojit
Financial Services.
 Regulatory Environment:Changes in regulations can have a profound impact on
financial institutions. Stay informed about any regulatory changes in the financial
services sector that may affect Geojit Financial Services' operations.
 Technology and Innovation:The adoption of technology and innovation in
financial services can be a key driver of growth. Evaluate Geojit's technology initiatives,
digital offerings, and its ability to adapt to changing customer preferences.
 Financial Performance: Analyze Geojit Financial Services' financial statements and
performance metrics. Look at factors such as revenue growth, profitability, and return on
equity to assess the company's financial health.

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  Competitive Landscape: Consider the competitive landscape within the financial
services industry. Evaluate how Geojit compares to its peers in terms of services offered,
market share, and customer satisfaction.
 Client Base and Asset Management:The growth of Geojit's client base and assets
under management (AUM) can provide insights into its market penetration and the trust
clients place in its services.
 Global and Local Economic Trends: Assess both global and local economic
trends as they can impact investment patterns, financial markets, and the demand for
various financial services.
 Partnerships and Collaborations:Explore any strategic partnerships or
collaborations that Geojit may have entered into. These can be indicators of the
company's efforts to expand its reach and service offerings.

CHAPTER 3
Mskinney’s 7s framework and Porter’s Five Force Model with
special reference to organization under study.
Ì McKinsey 7S Framework:The McKinsey 7S Framework is a management
model that helps analyze and align various elements within an organization. The
seven elements are:
 Strategy: Geojit Financial Services Limited's plan for gaining a competitive advantage
and achieving its goals.
 Structure:The organization's formal hierarchy, roles, and reporting lines.
 Systems: The daily activities and procedures that employees engage in to get the job
done.
 Skills: The capabilities and competencies of the workforce.
 Staff: The number and types of employees within the organization.
 Style: The leadership and management approach within the organization.
 Shared Values:The core values and beliefs that underpin the organization's culture.
Analyzing each of these elements and ensuring alignment among them is crucial for effective
organizational performance.

Ì Porter's Five Forces Model:Porter's Five Forces is a framework for analyzing the
competitive forces within an industry. The five forces are:
 Threat of New Entrants: The ease with which new companies can enter the
industry.
 Bargaining Power of Buyers: The power that customers have over the industry.

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  Bargaining Power of Suppliers:The power that suppliers have over the companies
in the industry.
 Threat of Substitute Products or Services: The availability of alternative
products or services that could lure customers away.
 Intensity of Competitive Rivalry:The level of competition among existing firms
in the industry.
Apply these forces to Geojit Financial Services Limited to understand the dynamics of the
financial services industry and the specific competitive challenges it faces.

CHAPTER 4
SWOT Analysis

strengths, weaknesses, opportunities, and threats. Here's a SWOT analysis for

Geojit Financial Services Limited:

Ì Strengths:
 Experience and Expertise:Geojit Financial Services Limited has a considerable
amount of experience in the financial services industry. This experience contributes to
their understanding of market trends and customer needs.

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 Diverse Range of Services:The company offers a wide range of financial services,
including stock and commodity trading, portfolio management, mutual funds, and
financial planning. This diversification can attract a broad client base.
 Technology Integration:Geojit may leverage technology to provide online trading
platforms, research tools, and other digital solutions. This can enhance customer
experience and attract tech-savvy investors.
 Strong Network:Geojit has a strong network of branches and partners, which can
help in reaching a wider audience and expanding its customer base.
Ì Weaknesses:
 Dependency on Market Conditions:Geojit Financial Services Limited's
performance is highly dependent on market conditions. Economic downturns or
unfavorable market trends can negatively impact the company's financial results.
 Competition: The financial services industry is highly competitive. Geojit faces
competition from both traditional brokerage firms and online trading platforms, which
can put pressure on fees and margins.
 Regulatory Compliance:The financial industry is subject to strict regulations.
Keeping up with regulatory changes and compliance requirements can be challenging and
may increase operational costs.
Ì Opportunities:
 Digital Transformation:Embracing further digital transformation can open up new
opportunities for Geojit. This includes developing mobile apps, expanding online
services, and adopting emerging technologies like blockchain.
 Global Expansion:There may be opportunities for Geojit to expand its services
globally, especially in emerging markets where there is a growing interest in financial
services.
 Diversification of Services: Introducing new financial products or services, such as
robo-advisory services or insurance products, can diversify revenue streams and attract a
broader range of clients.
Ì Threats:
 Market Volatility:Economic and market uncertainties can lead to increased volatility,
affecting trading volumes and investor confidence.
 Regulatory Changes: Changes in financial regulations can impact the way Geojit
operates and may require adjustments to its business model and practices.
 Cybersecurity Risks:Given the increasing reliance on technology, cybersecurity
threats pose a significant risk. A data breach or cyberattack could harm the company's
reputation and financial stability.
 Changing Customer Preferences:Shifts in customer preferences, especially
towards online and discount brokerage platforms, could pose a threat if Geojit is slow to
adapt to these changes.

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 CHAPTER 5

Analysis of financial statements

 BALANCE SHEET OF GEOJIT FINANCIAL SERVICES

BALANCE SHEET OF GEOJIT MAR MAR MAR MAR MAR

FINANCIAL SERVICES (in Rs. Cr.) 23 22 21 20 19

EQUITIES AND LIABILITIES

SHAREHOLDER'S FUNDS

Equity Share Capital 23.91 23.90 23.84 23.83 23.83

TOTAL SHARE CAPITAL 23.91 23.90 23.84 23.83 23.83

Reserves and Surplus 556.22 536.82 423.58 344.59 378.55

TOTAL RESERVES AND SURPLUS 556.22 536.82 423.58 344.59 378.55

TOTAL SHAREHOLDERS FUNDS 580.62 562.47 452.59 373.99 407.61

NON-CURRENT LIABILITIES

Long Term Borrowings 0.00 0.00 0.00 0.00 0.00

Deferred Tax Liabilities [Net] 0.00 0.00 0.00 0.00 0.00

Other Long Term Liabilities 15.10 14.09 29.78 14.11 12.71

Long Term Provisions 2.31 2.02 2.06 2.65 1.49

TOTAL NON-CURRENT 17.41 16.11 31.84 16.76 14.19

LIABILITIES

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CURRENT LIABILITIES

Short Term Borrowings 77.52 48.25 15.00 0.00 0.00

Trade Payables 18.24 18.92 14.44 10.33 8.10

Other Current Liabilities 405.43 559.46 443.92 310.19 292.50

Short Term Provisions 0.00 0.00 0.00 0.00 0.00

TOTAL CURRENT LIABILITIES 501.19 626.64 473.36 320.52 300.60

TOTAL CAPITAL AND 1,099.21 1,205.22 957.79 711.27 722.40

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-Progress 0.00 0.00 0.00 0.00 0.00

Other Assets 0.91 0.92 0.98 1.00 1.08

FIXED ASSETS 100.23 80.93 72.16 80.59 86.32

Non-Current Investments 0.00 0.00 0.00 0.00 0.00

Deferred Tax Assets [Net] 7.04 5.71 4.69 5.53 5.48

Long Term Loans And Advances 0.00 0.00 0.00 0.00 0.00

Other Non-Current Assets 29.97 25.63 20.07 25.77 15.67

TOTAL NON-CURRENT ASSETS 137.24 112.27 96.92 111.88 107.46

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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 Equivalents 542.48 673.33 545.82 371.74 207.81

Short Term Loans And Advances 247.49 216.65 111.33 15.63 55.19

OtherCurrentAssets 57.71 63.01 84.19 77.64 179.24

TOTAL CURRENT ASSETS 961.98 1,092.95 860.87 599.38 614.94

TOTAL ASSETS 1,099.21 1,205.22 957.79 711.27 722.40

PROFIT & LOSS ACCOUNT OF GEOJIT FINANCIAL SERVICES

PROFIT & LOSS ACCOUNT OF GEOJIT MAR MAR MAR MAR MAR
FINANCIAL SERVICES (in Rs. Cr.) 23 22 21 20 19

INCOME

REVENUE FROM OPERATIONS 418.96 480.79 403.19 285.45 284.25

[GROSS]

Less: Excise/Sevice Tax/Other Levies 0.00 0.00 0.00 0.00 0.00

REVENUE FROM OPERATIONS [NET] 418.96 480.79 403.19 285.45 284.25

TOTAL OPERATING REVENUES 419.52 480.79 403.19 285.45 284.25

Other Income 8.27 1.76 2.28 1.42 1.17

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TOTAL REVENUE 427.79 482.55 405.47 286.88 285.42

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 Expenses 62.56 78.28 71.13 46.13 49.75

Changes In Inventories Of FG,WIP And 0.00 0.00 0.00 0.00 0.00

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 Amortisation Expenses 27.70 23.61 22.09 23.67 19.55

Other Expenses 68.71 53.60 45.00 49.95 56.35

TOTAL EXPENSES 317.01 291.44 253.53 224.57 235.01

PROFIT/LOSS BEFORE EXCEPTIONAL, 110.79 191.11 151.94 62.30 50.41

EXTRAORDINARY ITEMS AND TAX

Exceptional Items 0.00 0.00 0.00 -10.20 -7.50

PROFIT/LOSS BEFORE TAX 110.79 191.11 151.94 52.10 42.91

TAX EXPENSES-CONTINUED
OPERATIONS

Current Tax 22.53 48.94 38.30 17.17 19.38

Less: MAT Credit Entitlement 0.00 0.00 0.00 0.00 0.00

Deferred Tax -1.30 -0.81 0.74 -0.02 -0.59

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 Tax For Earlier Years 0.00 0.00 -0.96 -2.79 -0.42

TOTAL TAX EXPENSES 21.23 48.12 38.08 14.36 18.37

PROFIT/LOSS AFTER TAX AND 89.56 142.98 113.86 37.74 24.55

BEFORE EXTRAORDINARY ITEMS

PROFIT/LOSS FROM CONTINUING 89.56 142.98 113.86 37.74 24.55

OPERATIONS

PROFIT/LOSS FOR THE PERIOD 89.56 142.98 113.86 37.74 24.55

Calculations of ratios
DEBT RATIO
A debt ratio measures the amount of leverage used by a company in terms of total debt to total
assets

Such that capital-intensive businesses tend to have much higher debt ratios than others.

A company’s debt ratio can be calculated by dividing total debt by total assets.

Debt ratio= Total assets/ Total debt

Total assets Total debt Debt ratio

2023 1099.21 77.52 14.17
2022 1205.22 48.25 24.97
2021 957.79 15.00 63.85

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INTERPRETATION

From above table we came to know about debt ratio of the company the total Assets and the
debt of company has high than the standard Ratio which has been decreased by the year. That is
in the year 2022is more total Assets and more debt in the year 2023.

PROFITABILITY RATIO
The profitability ratio shows how successful a business is in earning profits over a period of time
in relation to operation costs, revenue, and shareholders' equity. The higher the ratio, the better it
is for the company because it shows that the business is highly capable of generating profits
regularly.

Profitability ratio =Net income/sales

Net income Sales Profitability ratio

2023 42.79 418.96 1.02
2022 482.55 480.79 1.03
2021 405.47 403.19 1.05

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INTERPRETATION
From above table we came to know about Profitablityratio of the company the net income and
the sales of the company has high than the standard Ratio which has been decreased by by year
which is high in 2021 is 1.05and the ratio which shows is profit of the company. And the lowest
in the year is 2023.

ASSETS TURNOVER RATIO

Asset turnover ratio is the ratio between the value of a company's sales or revenues and the value
of its assets. It is an indicator of the efficiency with which a company is deploying its assets to
produce the revenue. Thus, asset turnover ratio can be a determinant of a company's
performance.

Assets turnover ratio=sales/Total assets

Years Sales Total Assets Assets turnover ratio

2023 418.96 1099.21 0.38
2022 480.79 1205.22 0.39
2021 403.19 957.79 0.49

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INTERPRETATION
From above table we came to know about Assets turnover ratio of the company the total Assets
and the sales of company has high than the standard Ratio which has been decreased by the
year. And the constantly the ratio which has decreased by the year the ratio which is high in 2021
is 0.49with the standard of ratio.

GROSS PROFIT MARGIN

The Gross Profit Ratio is a measure of profitability that expresses the company's gross profit as a
percentage of its total sales. In simpler terms, the ratio helps in knowing the profit that a
company makes after deducting the direct costs and expenses.

Gross profit Sales*100 Gross profit ratio

2023 89.56 418.96 21.37%
2022 142.98 480.79 29.73%
2021 113.86 403.19 28.23%

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INTERPRETATION
From above table we came to know about Gross p ratio of the company the gross profit of the
year and the sales of the year company has high than the standard Ratio which has been
decreased by the year. The ratio in the year 2022has been high is 29%and the ratio which is low
in the year is 2023is 21%it has been drastically changed in the ratio by year.

CHAPTER 6
Learning experience
 Market Research and Education: Geojit provides research reports, market
insights, and educational resources to help investors make informed decisions. This
can be a valuable learning experience for individuals who want to understand market
trends, analyze stocks, and develop investment strategies.
 Trading Platforms: Geojit offers various trading platforms, both online and
offline, to facilitate stock and commodity trading. Learning to use these platforms
efficiently is crucial for executing trades seamlessly. The platforms typically come
with features like real-time market data, technical analysis tools, and more.
 Training Programs: Some brokerage firms, including Geojit, offer training
programs and workshops for investors. These programs may cover topics such as
market analysis, risk management, and the effective use of trading tools. Participating
in these programs can enhance one's understanding of financial markets.
 Customer Support: A positive learning experience also depends on the quality of
customer support. Geojit, like other financial service providers, usually offers

ALLUM KARIBASAPPA INSTITUTE OF MANAGEMENT, BALLARI

 customer support to assist clients with queries, technical issues, and general
information. Quick and reliable customer support can contribute to a smoother
learning curve.
 Risk Management: Geojit likely emphasizes the importance of risk management.
Understanding how to manage risks associated with trading and investing is a key
aspect of the learning process. This involves learning about stop-loss orders,
diversification, and other risk mitigation strategies.
 Market Updates and Notifications: Regular updates and notifications about
market movements and specific stock recommendations can provide valuable
insights. Learning to interpret these updates helps investors stay informed about the
latest developments that might impact their investments.
 Portfolio Management: Geojit may offer portfolio management services or tools
to help clients manage their investment portfolios. Learning how to diversify a
portfolio, monitor performance, and make adjustments based on market conditions is
an essential part of the learning process.
 Regulatory Compliance: Understanding regulatory aspects of trading and
investing is crucial. Geojit, like other financial institutions, adheres to regulatory
guidelines. Learning about compliance, tax implications, and other legal aspects of
trading is important for investors.

Bibblography
Ì  https://www.moneycontrol.com/india/stockpricequote/finance-general/
geojitfinancialservices/GBN01

Ì  https://en.wikipedia.org/wiki/Geojit_Financial_Services

Ì  https://my.geojit.com/

ALLUM KARIBASAPPA INSTITUTE OF MANAGEMENT, BALLARI