Cover Page

Internship Report on

“A STUDY ON RISK AND RETURN AT PANCHAJANYA

ELECTRONICS”

Submitted in partial fulfillment of the requirements for the award of

Bachelor of Commerce
of Bengaluru North University

BY
Mr. NOWSHAD PASHA I
REG: U19GK21C0036
UNDER THE GUIDANCE OF
ANIL SIR
Associate Professor of Commerce
Vikram college of commerce & management studies

VIKRAM COLLEGE OF MANAGEMENT STUDIES

 COLLEGE CERTIFICATE
(IN THE COLLEGE LETTER HEAD)

VIKRAM COLLEGE OF COMMERCE &

MANGEMENT STUDIES,
CHIKKABALAPUR, [D] CHINTHAMANI-563125

DATE:

CERTIFICATE
This is to certify that Mr. NOWSHAD PASHA I A bearing Registered
No.U19GK21C0036 UUCMS ID. is a student of VI SEM B COM of our
College.

He has prepared Internship report entitled “A STUDY ON RISK AND

RETURN AT PANCHAJANYA ELECTRONICS”,
From 23/04/2024 to 13/04/2024
towards the partial fulfilment of the requirement of Bachelor of
Commerce of Bengaluru North University.

Principal

[Seal & Signature]

 STUDENT DECLARATION

I the Mr. NOWSHAD PASHA I, Reg. No. U19GK21C0036 UUCMS

ID, hereby declare that this report entitled “A STUDY ON RISK AND
RETURN AT PANCHAJANYA ELECTRONICS”.
during the summer vacation between the period from
23/03/2024 to 13/04/2024 at PANCHAJANYA ELECTRONICS
SHOWROOM,
under the supervision and guidance of ANIL SIR, Associate professor of
Commerce, VIKRAM COLLEGE .

Date :
Place: Signature
 ACKNOWLEDGEMENT
The successful completion of this internship report required significant
guidance and assistance from many individuals, and I am truly grateful
for their support throughout this journey.

Firstly, I would like to express my sincere appreciation to

Mr. RAVICHANDRA REDDY, Stores Head of PANCHAJANYA

ELECTRONICS SHOWROOM, CHINTHAMANI branch for providing
me with the opportunity to internship at their esteemed organization.

I am also deeply grateful to our faculty coordinator, ANIL SIR and our
principal, Mr. BALASANJANNA S for their unwavering support and
for granting me the valuable opportunity to intern, which has been
instrumental in my learning and exposure to the field of accountancy and
finance.

I would like to extend my heartful thanks to my parents for their

permission and constant encouragement throughout this internship.
Additionally, I am thankful to my friends for their support whenever I
needed their assistance during this project.

Lastly, I would like to express my profound gratitude to all individuals

who directly or indirectly contributed to the completion of this report.
 TABLE OF CONTENTS

1. Executive Summary
2. Introduction
3. Description of the Organization
4. Experiential Learning
5. Internship Outcomes and
Conclusion
6. Bibliography
7. Annexures

EXECUTIVE SUMMARY
 PANCHAJANYA ELECTRONICS Investment Pvt. Ltd. Company Profile
Information is operating as a Private Company - Operating. It was officially
incorporated on 08 April, 1999, making the company 53 years old. The company
was founded in the year 1971. It is categorised as - classified as -. Its Listing Status
is -. As per the official records of Ministry of Corporate Affairs (MCA), the
Corporate Identification Number (CIN) of the company is
U51395KA1999PTC025042 and Registration Number is -. Additionally,
PANCHAJANYA ELECTRONICS Investment Pvt. Ltd. Company’s Scrip Code .
It has been duly registered at Registrar of Companies -. PANCHAJANYA
ELECTRONICS Investment Pvt. Ltd. company’s current MCA status is -. As per
the official records, the company’s Authorised Capital is Rs. - and its Paid-up
Capital is Rs. -. The last reported Annual General Meeting (ABM) of the company
was held on - and the last Balance Sheet was filled on -. The list of current and past
investors of the company with their respective Relationship Type, Stake Held and
% Stake can be accessed here.

CHAPTER I
 Introduction

INDUSTRY PROFILE

Electronic industry

The electronics industry emerged in the 20th century and is today one of the largest
global industries. Contemporary society uses a vast array of electronic devices
built in automated or semi-automated factories operated by the industry. Products
are primarily assembled from metal-oxide-semiconductor (MOS) transistors and
integrated circuits, the latter principally by photolithography and often on printed
circuit boards. The electronics industry consists of various sectors. The central
driving force behind the entire electronics industry is the semiconductor industry
sector, which has annual sales of over $481 billion as of 2022. The largest industry
sector is e-commerce, which generated over $29 trillion in 2023. The size of the
industry and the use of toxic materials, as well as the difficulty of recycling has led
to a series of problems with electronic waste. International regulation and
environmental legislation has been developed in an attempt to address
the issues. This company is related to consumer electronics gadgets like air
conditioners, air coolers, entertainment products, including home theaters,
televisions, audio systems, DVD players and set-top-boxes, washing machines,
laptops, mobiles, refrigerators, microwave ovens and home appliances.

Television:
Smart phone:

Air cooler:

Washing machine:
Refrigerators:

Iron box:
Microwave ovens:

Laptops:

 INTRODUCTION TO FINANCE
In our present day economy, finance is define as the provision of money at the time
when it is required. Every enterprise, whether big, medium or small, need finance
to carry on its operation and to achieve its targets. In fact, finance is so
indispensable today that it is rightly said to be the lifeblood of an enterprise.
Without adequate finance, no enterprise can possibly accomplish its objectives.

 DEFINITION OF FINANCE
Finance is a field within economics that deals with the allocation of assets and
liabilities over time under condition of certainty and uncertainty. A key point in
finance is the time value money, which states that one unit of currency today, is
worth more than one unit of currency tomorrow. Finance aims to price assets based
on their risk level, and expected rate of return. Finance can be broker into three
different sub categories: public finance, corporate finance and personal finance.

TYPES OF FINANCE
1. Business finance
2. Direct finance
3. Indirect finance
4. Public finance
5. Private finance
6. Corporation finance

1. Business finance :
The term ‘business finance’ is very comprehensive. It implies finance of business
activities. The term, ‘business’ can be categorized into three groups commerce,
industry and service. It is a process of rising, providing and managing of all the
money to be used in connection with business activities.

2. Direct finance :
The term ‘direct’ as applied to the financial organization, signifies that savings are
affected directly from the saving surplus units without the intervention of financial
institution such as investment companies, insurance companies, unit’s trusts, and
so on.

3. Indirect finance :
The term ‘indirect finance’ refers to the flow of from the savers to the
entrepreneurs through intermediary financial institutions such as investment
companies, unit’s trusts and insurance companies, and so on.

4. Public finance :
It is the study of principles and practices pertaining to acquisition of funds for
meeting the requirement of government bodies and administration of these
funds by the government.
5. Private finance :
It is concerned with procuring money for private organization and management
of the money by individuals, voluntary association and corporation. It seeks to
analyze the principal and practices of managing one’s own daily affairs.

CHAPTER II
 Description of the Organization
MEANING OF BUSINESS FINANCE
Literally speaking, the term ‘business finance’ connotes finance of business
activities. It is composed of two words
i. Business, and
ii. Finance thus, it is essential to understand the meaning of the two words,
business and finance, which is the starting point to develop the whole
concept and meaning of the term business finance.
The word ‘business’ literally means ‘a state of being busy’. All creative human
activities relating to the production and distribution of goods and services for
satisfying human wants are known as business. It is also includes all those
activities which indirectly help in production and exchange of good, such as,
transport, insurance, banking and warehousing. Broadly speaking, the term
‘business’ includes industry, trade and commerce.
Finance may be defined as the provision of money at the time when it is
required. Finance refers to the management of flow of though an organization.
It concerns with the application of skill in the manipulation, use and control of
money. Different authorities have interpreted the term ‘finance’ differently.

DEFINITION OF BUSINESS FINANCE

“That business activity which is concerned with the acquisition and
conservation of capital fund in meeting the financial needs and overall
objectives of business enterprise.”

-Wheeler
“Business finance can be broadly defined as the activity concerned with the
planning, raising, controlling and administering the fund used in the business.”
Guthmann and Dougall
“Business finance deals primarily with raising, administration and disbursing
funds by privately owned business units operating in non-financial fields of
industry.”

MEANING OF FINANCE FUNCTION

Finance function is the most important of all business function. It remain a

focus of all activities. It is not possible to substitute or elimination this function
because the business will close down in the absence of finance. The need for
money is continuous. It starts with the setting up of an enterprise and remains
at all times. The development and expansion of business rather needs more
commitment for funds. The funds will have to be raised from various sources.
The sources will be selected in relation to the implication attached with them.
The receiving of money is not enough, its utilization is more important.

OBJECTIVES OF FINANCE FUNCTION

1. Funds rising :
Getting required amount of capital funds from different forms and sources such
as internal and external sources like shares, debentures, loans, retained
earnings in the required proportion is the fundamental or prime function of the
finance executives in the finance department.

2. Funds allocation :
After the procedure of capital funds from varied sources at required
quantities, the next function of the executive is the allocation of these capital
funds on profitable projects.
2. Project selection & risk-return-trade-off :
3. While allocation the huge capital funds, choosing the best project or the
4. assets for investment of funds using the different capital budgeting
5. techniques, keeping in mind the risk pattern to manage project to keep them
6. at profitable levels is another key function of finance, which is regarded as
7. risk-return-trade-off.

4. Dividend payout :
It refers to profit planning and allocation i.e. disposable profile are the third
major function of finance. The rate of dividend declared and the stability of
dividend i.e. dividend payout is the most important function of finance.
Retained earnings i.e. maintaining residual profile to meet future contingencies
is also a key function along with the dividend function.
5. Maintaining liquidity & solvency :
It is the major responsibility of every organization for the smooth functioning
of all its activities is the most important finance function. Every organization
has to maintain sufficient amount of working capital to meet its day to day
requirements.
6. Reporting & auditing :
Information reporting of all documents to both to internal and external users
is also an important finance function in every organization, which is
mandatory for all important for all the organization as per the companies of 1956.
7. Budgeting and controlling :
Through the preparation of various budget statement to estimate the finance
requirement of a stipulated period to control the cost in the organization for
long run survival is another finance of the organization.

RISK
INTRODUCTION
Risk is a probability or threat of damage, injury, liability, loss or any other negative
occurrence that is caused by external or internal vulnerabilities and that may be
avoided through pre-emptive action.
Risk analysis in capital budgeting bears a sustainable degree of importance in the
field of corporate finance. Risk arises in project evaluation because the firm cannot
predict the occurrence of possible future events with certainty and hence, cannot
make any correct forecast about the cash flows. The uncertain economic conditions
are the sources of uncertainty in the cash flow. For example: A company wants to
produce and market a new product to their prospective customers. The demand is
affected by the general economic conditions. Demand may be very high if the
country experiences higher economic growth.
Every business decision involves risk arises out of the uncertain condition under
which a firm has to operate its activities. Risk is the potential variability in returns
an investment fairly stable is considered risky investment, whereas an investment
whose returns fluctuate widely are considered risky investments.

MEANING
Risk is the potential that a chosen action including the choice of inaction will lead
to loss an undesirable outcome. The concept implies that a choice having an
influence on the outcome exists or existed.
DEFINITION
According to Hansson and Svenove, “Risk is the potential of losing something of
value, weight against the potential to gain something of value. Values such as
physical health, social status, emotional well-being or financial wealth can be
gained or lost when taking risk resulting from a given action, activity and/or
inaction, foreseen or unforeseen”

RISK ANALYSIS
Risk analysis refers to the uncertainty of forecasted future cash flow streams,
variance of portfolio/stock returns, statistical analysis to determine the probability
of a project’s success or failure and possible future economic states.
Risk analysts often work in the tandem with forecasting professionals to minimize
future negative unforeseen effects.

SECURITY RETURN AND RISK

The portion of the variability of return of a security that is caused by external
factors is called systematic risk. It is also known as market risk non-diversifiable
risk. Economic and political instability, economic recession, macro policy of the
government, ect. affect the price of all shares systematically. Thus the variation of
return in shares, which is caused by these factors, is called systematic risk.
The risk/return tradeoff could easily be called the “ability-to-sleep-at-night test.
Deciding what amount of risk once can take while remaining comfortable with his
investment is very important. In the investing world, the dictionary definition of
risk is the chance that an investment’s actual return will be different than expected.
Risk means you have the possibility of losing some, or even all, of the original
investment. Security analysis involves an examination of expected return and
accompanying risk. The first three motives of income, capital appreciation and
appositive hedge against inflation refers to the expected return. The last two
motives of investor lead to the risks involved in the investments. Or lack of it, etc.
investors generally desire to have the maximum return possible, as they like returns
but they dislike risk, and the extent of risk varies from investors to investor.

SYSTEMATIC RISK
1. Market risk
Market risk is associated with consistent fluctuations seen in the trading price of
any particular shares or securities. That is, it arises due to rise or fall in the trading
price of listed shares or securities in the stock market.
2. Interest rate risks
Interest-rate risk arises due to variability in the interest rates from time to time. It
particularly affects debt securities as they carry the fixed rate of interest.

UNSYSTEMATIC RISK
1. Business risk
Business risk refers to the possibility that a company will have lower than
anticipated profit or that it will experience a loss rather than a profit. Business risk
is influenced by numerous factors, including sales volume, per-unit price, input
costs, competition, overall economic climate and government regulation.
 Internal risk
 External risk
2. Financial risk
It is the risk borne by equity holders due to a firm’s use of debt. If the company
raises capital by borrowing money, it must pay back this money at some future
date plus the financing charges.
 Credit risk
 Currency risk
 Country risk

MEASUREMENT OF RISK AND RETURN

1. Sensitivity analysis
This is also known as a “what if analysis”. Because of the uncertainty of the future
entrepreneur wants to know about the feasibility of a project in variable quantities
2. Scenario analysis
In the case of this analysis, the focus is on the deviation of a number of
interconnected variables. It is different from sensitivity analysis, which usually
concentrates on the change in one particular variables at a point of time.
3. Break even analysis
The break even analysis allows a company to determine the minimum production
and sales amount for a project to avoid losing money.
 RETURN
INTRODUCTION
People want to maximize expected return subject to their tolerance for risk.
Return is the principal reward in the investment process, and it provides the
basis to investors in comparing alternative investments. Measuring historical
returns allows investment to assess how well they have done, and it plays a
part in the estimation of future, unknown returns. We often use two terms
regarding return from investment, realized return and expected return. Realized
return is after fact return that was earned (or could have been earned). Realized
return is history.

Sharp’s Index Measure

The performance measure of portfolio developed by William sharp is referred to
sharp ratio. In this model, performance of a fund is evaluated on the basis of sharp
ratio, which is ratio of returns generated by the fund over and above risk free rate
of return and the total risk associated with it. According to sharp, it is total risk of
the fund that the investor are concerned about. So the model evaluates funds on the
basis of reward per unit of total risk.
 CHAPTER II
Description of the Organization

Company profile
HISTORY OF THE COMPANY
Established in 1971, with a small store of about 300sqf, PANCHAJANYA
ELECTRONICS began its journey to
create a space for itself in the retail market in Bangalore, the managing director
under the guidance of his father, he had the vision, foresight and business acumen
to realize the importance of organized retail, when the concept did not even exist.
The foresight bpaid off and from the small store in 1971, toady PANCHAJANYA
ELECTRONICS is India’s leading chain of consumer durables and home
appliances.
PANCHAJANYA ELECTRONICS PRIVATE LIMITED is a non-government
company, incorporated on 08
April 1999. It’s a private unlisted company and is classified as ‘company limited
by shares’. Company’s authorized capital stands at Rs. 500 lakhs and has 90.0%
paid up capital which is Rs. 450 lakhs. PANCHAJANYA ELECTRONICS
investment private limited is majority in trading business from last 21 years and
currently, company operations are active.
Business operations
PANCHAJANYA ELECTRONICS private limited are reputed service provider for
home electronics & appliances dealers, mobile phone dealers and its related
services in Bangalore. It is a proprietorship company. They have continually
improving the services to serve their clients better with timely deliveries, round the
clock helpline and seamless customer service.

Mission
PANCHAJANYA ELECTRONICS believes in the philosophy of providing the
latest products to customers at
the best market price. The very fact that thousands of customers come back to
PANCHAJANYA ELECTRONICS for their consumer durable needs proves the
quality of service and delivery promise we at PANCHAJANYA ELECTRONICS
are committed to each customer.
Aim / Vision
We aim to become one of the leading and globally recognized provider for home
electronics & appliances dealers, mobile phone dealers, we envision being
competitive with our exceptional service quality and is dedicated to 100%
customer satisfaction and customer services.
Competitors Information
Adishwar India Limited
Ezone (Future Retail Limited)
Sangeetha Mobiles Private Limited
Poorvika Mobiles Private Limited

RESEARCH DESIGN

Research is the process of solving problems and finding facts in an organized

way. Research is done by applying what is known (if anything), and building on it.
Additional knowledge can be discovered by proving existing theories and by trying
to better explain

 TITLE OF THE STUDY

A STUDY ON RISK AND RETURN AT PANCHAJANYA ELECTRONICS
PVT LIMITED

 STATEMENT OF THE PROBLEMS

Security analysis is constructed everywhere the idea that depositors are worried
with two principals properties inherent in securities; the return that can be
predictable from property a security and the hazard on the arrival that is reached
will be a smaller amount that the risk that was projected. The main purpose of this
research is to pay attention upon risk and return and how they are measured.

 OBJECTIVE OF THE STUDY

1. To know investment objectives of PANCHAJANYA ELECTRONICS pvt ltd.
2. To explain the attitude towards risk at PANCHAJANYA ELECTRONICS pvt
ltd.
3. To analyze the attitude of price fluctuation at PANCHAJANYA
ELECTRONICS pvt ltd.
4. To evaluate investment rate of PANCHAJANYA ELECTRONICS pvt ltd.

 SCOPE OF THE STUDY

The research for the present study covers the scope which is limited to
PANCHAJANYA ELECTRONICS
pvt limited in Bangalore head office only.

 OPERATIONAL DEFINITION OF THE CONCEPTS

The concepts used in this project report are defined and discussed below in
order to make it clear and meaningful
1. Financial statement
Financial statements are formal statements equipped from the accounting
records of the company. It is a final summary of all the financial activities
of the business over a period of time, usually one year known as financial
year.
2.Balance sheet
It is the summary of a company’s assets and liabilities and ownership equity
for a given financial year.
3. Alpha
Alpha is a measure of the active return on an investment, the performance of
that investment compared with a suitable market index.
4. Beta
Beta is a measure of the instability or precise hazard, of a security or a
portfolio in contrast with the market all in all. Beta is utilized as a part of the
capital assets pricing model (CAPM) which ascertains the normal return of a
benefits in view of its beta and expected market returns.
5. Sensex
Otherwise known as the BSE Sensex index, is the benchmark index of the
Bombay Stock Exchange (BSE). It is composed of 30 of the largest and most
actively-traded stocks on the BSE, providing an accurate gauge of India’s
economy.
Risk return:
Returns are the gains or losses from a security in a particular period and are
usually quoted as a percentage. What kind of returns can investors expect from
the capital markets? A number of factors influence returns.
Risk In the investing world, the dictionary definition of risk is the chance that
an investment's actual return will be different than expected. Risk means you
have the possibility of losing some, or even all, of your original investment.
Low levels of uncertainty (low risk) are associated with low potential returns.
High levels of uncertainty (high risk)
Market Risk:
Market risk is the risk of losses in positions arising from movements in
marketprices. There is no unique classification as each classification may refer to
different aspects of market risk. Nevertheless, the most commonly used types
of market risk.
 CHAPTER III
Experiential Learning

DATA ANALYSIS AND INTERPRETATION

Table 1:

Age of overall respondents

Age No of respondents Percentage
18 – 25 years 52 52%
25 – 30 years 37 37%
30 – 35 years 10 10%
35 Above years 1 1%
Total 100 100%
Analysis:
From the above table analyzed that, 52% of respondents are at the age of 18-25
years and 37% of respondents are at the age of 25-30 years, rest of the 10%
respondents are at the age of 30-35 years and 1% are at the age of 35 above.
Statement of the problem
The growth and success of the organization depends on the level of the customer’s
satisfaction. So it is essential to make the customers satisfied by providing quality
customer services. It is necessary to know customer satisfaction levels regarding
PANCHAJANYA ELECTRONICS.
In this age of intense competition, the company wants to identify the factors that
make the most customer satisfaction possible, so that the company can help
existing customers create brand loyalty by attracting customers.
All of these issues led to a systematic and detailed survey of the company's
"customer perception towards the PANCHAJANYA ELECTRONICS.

TOOLS USED FOR DATA COLLECTION:

Data was collected for this survey both primary source and secondary
Source. Random sampling is where selection of data is done in such a way
That the chance of selection of each unit of data is the same. This eliminates
Human bias in all form
Primary data: This will store data for the first time
Research by visiting respondents. It is collected by conducting direct
Personal investigation and questionnaire is filled. The samples are met
directly and interviewed on various aspects to survey contained in the
Questionnaire.
Secondary data: it refers to the data that is collected from secondary
Sources for the second or subsequent times. Secondary data is used for the
Introduction, company profile and product profile.
SAMPLE
In general, the model is a large matter (s) similar to and a limited amount of
representation. Objects can be counted as individual items that are available as
units for sale or counting items that can be considered as personality substance.
Sampling technique name of sampling technique
Samples have been selected on a random manner and judgment has been made on
this basis. They act as representatives to the rest of population.
Sample size
A total of 50 customers of PANCHAJANYA ELECTRONICS were selected as
sample size. These are also individuals who owned their products for at least a year
so at they could know their satisfaction level. The survey was conducted in the
chinthamani.

Hypothesis of the Study

 Hypothesis 1
 H0: There is no effect on traditional shopping with the penetration of online
shopping
 H1: There is an effect on traditional shopping with the penetration of online
shopping

Hypothesis 2
 H0: All the online shopping portals are not genuine
 H1: All the online shopping portals are Genuine

Hypothesis 3
 H0: Customers doesn’t buy goods/products searched in the internet always
 H1: Customers does buy goods/products searched in the internet always
 Desk displaying the training qualification of the respondents of
take a look at Training
Training
Number % Valid Aggregate %
Percentage
suitable Below 2 1.2 1.2 1.2
than
secondar
y school
Secondary 24 15.0 15.0 16.2
school and
equivalent
PUC 55 34.4 34.4 50.6
Bachelor's 70 43.8 43.8 94.4
Degree
Master's 9 5.6 5.6 100.0
Degree
Total 160 100.0 100.0

 RESEARCH METHODOLOGY
Research methodology consist of two types of services of data
 Primary data
 Secondary data
Primary data
Primary data is a first-hand information collected from the organization the
Research for the present study had collected primary data to structured
questionnaires, face to face interaction with the authority employees in
organization
Secondary data
Secondary data is a data which is readily available the research for the present
study had collected through various sources like manual of the company,
magazines, research article, website, journals, various books related to the
topic and other references were made.

 Sampling techniques
Survey was conducted with the help of structured questionnaires each sample
element was drawn individually from the population at large, which term as
unrestrictive sample this help in easier selection of respondent and to option the
required data. Sample design is represented by simple random sampling, this
hence to build a foundation for understanding the survey procedure by choosing
probability sample.
 Sampling unit
Comparison of the users and non-users of PANCHAJANYA ELECTRONICS pvt
limited
 Sampling size
Sample size is limited to 100.
 Sampling method
Simple random sampling method was adopted to select the sample.
 Field work
The field work was carried in different places like employees, branch office,
promotions, wholesale, retails and PANCHAJANYA ELECTRONICS pvt limited
in Bangalore. The respondent
answers to fill questionnaires and facilitated me to complete my survey. A survey
explains as below:
  Tools and technique
Questionnaires were the important tool to collect the data from the customer for
analysis. Data collected from various sources were analyzed and the statistical
techniques used for analyzing the data collection from all the sources is carefully
analyzed, tabulated and presented in the form of statistical tables so as to allow
inference based on which finding and conclusion regarding on image of
PANCHAJANYA ELECTRONICS.

 LIMITATIONS OF THE STUDY

1) Major limitation of the study is time constraint
2) The study is limited to the city of Bangalore
3) In depth research was not made
4) This study is conducted only in Bangalore and so is considered only by the
respondents in Bangalore.
5) A resolution is assumed to be true or appropriate, based on the assumption, that
answers given by the respondent are true.
6) If the time given to the study is low, more in the deep study will be done.
7) Answers from the target may be biased by their part's interest.
8) Certain respondent were hesitant and some of them were not willing to respond.
 CHAPTER IV
Internship Outcomes and Conclusion

Findings
 Majority of the respondents belongs to the age of 18-15 year.
 Majority of the respondents are male.
 Majority of the respondents are unmarried.
 Majority of the respondents are from college education.
 From the above study most of the respondents occupation belongs to other
specify.
 Majority of respondents family size is 4-6.
 Majority of the respondents thinks that shares, fixed deposit, insurance
policies and other investment have high rate of risk.
 From the above study founds that share have 47% of high rate return, fixed
deposit have 52% of very high rate return, insurance policies have 43% of
high rate return and other investment have 27% of high rate return on
investments.
 From the above study its found that most of the respondents are neutral to take
risk for achieving high return.
 Majority of 33% respondents have 2% to 3% of return on investment annually.
 From the above study it founds that most of the respondents concerned 10% to
15% about there portfolio.
 Majority 39% of respondents are agree that the investment always be greater
than if they have left the money on deposit.
 Majority of 43% respondents are agree that investment value will fluctuates.
From the above study found that most of the respondents have average
knowledge on investment.
 From the above study found that most of the respondents are new generation
type of investors.
 Majority of respondents are both type of investor long term as well as day
investor. From the above study found that most of the respondents have their
own saving as sources of income.
 From the above study it founds that savings are the mode of trading.
 From the above study it founds that most of the respondents have capital
appreciation as a primary investment objectives.
 Majority of 64% respondents earns 2,00,000 of annual income.
 From the above study it founds that most of the respondents are repay 30%
to 20% of liabilities from there income.
 Majority of respondents are strongly agree that while investing protecting is
most important.
 From the above study it founds that most of the respondents prefer safety as
their investment objectives.
CONCLUSION

This study has basically helped to know about the employee’s point of view about
risk and return also about the investment activities. Most of the respondents feel
that before investing protection for investment is most important. They think that
investing in capital appreciation has high rate of return. They have average
knowledge on investment certain activities should be taken to learn more about
investment. Capital appreciation is more preferred by the respondents instead of
capital prevention. They preferred high return on investment and some of them
have well knowledge about their investment also about risk and return on it
respondents have well maintained about their savings on investment.
It's far concluded that the assignment gives a clear image on the subject “A
observe ON customer notion” with the reference to PANCHAJANYA
ELECTRONICS toward their merchandise, striving its way long, alongside its
consumer to high-quality future. To be the great and the primary choice in the
market to cater to all patron desires. it's far the enterprise’s endeavor to offer the
pleasant merchandise from the main manufacturers on the excellent viable prices at
the side of the obligation to take care of the purchaser after sales wishes,
consequently client belief plays a pivotal function in growing sales and
constructing up the logo. The faith that the customer have in emblem, is the bigger
strength and it is the long time imaginative and prescient to always honor that faith.
Enterprise might only develop primarily based at the patron relations and it is
employer’s regular endeavor to up the bar each time the purchaser expects greater
from them.
RECOMMENDATION AND SUGGESTION

The following suggestions are provided on the basis of the above findings:
1. Company should register in stock exchange.
2. It should have different type of investment activities, it help in future growth
of the company.
3. Increase the safety for return on investment.
4. Market analysis should be made regularly so that one can keep on updating
the present situation and can minimize the consequence of incurring losses.
5. Be clear and consistent to build recognition and trust with investor on
investment activities.
6. As a new investor investing in the capital market its better to invest on long
term.
7. Investing in capital appreciation its better to invest in capital prevention for
protecting the money.
8. Analyses the proper rate of risk and rate of return.
9. Know the investment activities of employees.
10. Make a periodically survey on new investment which gives high return.

11.PANCHAJANYA ELECTRONICS focus is to grow nationally which can be

achieved by expanding their branches in smaller cities of the country.

12. Respondents feel PANCHAJANYA ELECTRONICS need to come up with

more offers retain its customers, by providing offers such at 50% discount sale,
lucky draws, free gifts on purchases of a particular amount etc..
13. PANCHAJANYA ELECTRONICS should concentrate more on others forms
of media such as radio, websites and so on in advertising so that company may
improve the sales.

Bibliography
 Deshwal, P. (2016). Online advertising and its impact on consumer
behavior. International Journal of Applied Research 2(2), 2023-24
 Poulsen, H. M., & Fowler, A. H. (2024). A Comparative Analysis of the
Social Media Marketing Approaches of Ryanair and easyJet.

 www.goggle.com
 www.scribd.com
 www.PANCHAJANYA ELECTRONICS.com
 PANCHAJANYA ELECTRONICS wikipedia
Annexures

This questionnaires has been designed in order to take little of your precious time
kindly answer the questions and do not hesitate to give your opinion and criticism
if any at the end.

1. Gender
⃝Male ⃝ Female
2. Age
⃝ Under 20 years ⃝ 21-30 years ⃝ 31-40 years
⃝ 41-50 years ⃝ 51-60 years ⃝ Above 60 years
3. Education
⃝ Below than secondary school ⃝ Secondary school and equivalent
⃝ College or PUC ⃝ Bachelor’s Degree
⃝ Master’s Degree ⃝ Doctoral degree
4. Occupation
a)Student b) Unemployed c) Employed d) Self Employed e) Retired
5. How many members are living in your House?
a)One b)Two c)Three d) Four e)Five f) Six g) Seven
6. Please mention the type of a House you are living in?
a)Independent House b)Duplex Apartment c) Others Please Specify
7. Have you Ever Purchased Products Online?
a) Yes b)NO

8.I can tolerate the risk of large losses in my investments in order to increase the
likelihood of achieving high returns:
A. Strongly disagree B. somewhat disagree C. Neutral D. Somewhat agree
E. strongly agree
9.I would expect the total annual return from my investments (income plus
capital growth) to exceed the return from a typical building society account by
an average of:
A. Up to 1% a year B.1% to 2% a year C.2% to 3% a year
D. 3% to 5% a year E. Over 5% a year
10.If my portfolio fell in value I would become very concerned once paper losses
were:
A. Up to 10% B. Between 10% and 15% C. Between 15% and 20%
F. Between 20% and 25% E. Over 25%
11.I would expect the value of my investments always to be greater than if I had
Left the money on deposit:
A. Strongly agree B. Somewhat agree C. Neutral
D. Somewhat disagree E. Strongly disagree