SESSION-2017-2020

INSTITUTE OF MANAGEMENT SCIENCES

UNIVERSITY OF JAMMU

SUBMITTED BY: AKSHAY GUPTA

(BBA 6TH SEM)
UNDER THE GUIDANCE OF

Project Supervisor: Project Guide:

Mr. Rajesh Kumar Mr. Rahul Gupta
(EQUITY DEPTT.HEAD) (ASTT.PROFESSOR)
 CONTENTS:

 Introduction
 Company Profile
 Objectives of study
 Technique of Portfolio Management
 Points must be considered by Portfolio Managers
 Research Methodology
 Data Analysis
 Results & Discussions
 Findings & Conclusions
 INTRODUCTION:

 The art of selecting the right investment policy for the

individuals in term of minimum risk and maximum return is
called as Portfolio Management.
 The basic objective of Portfolio Management is to
maximum yield and minimize risk.
 Portfolio Management refers to managing an individuals
investment in the form of bonds, shares, cash, mutual fund
etc so that he earns maximum profits within the stipulated
time frame.
 COMPANY PROFILE:
 Karvy Group, an indomitable player in the financial realm since
3 decades with rich experience provides a wide range of
services. Well known for its integrity, quality service and
customer centric approach, Karvy has created a niche for itself.
 With 30 years of rich experience and acumen, company have
redefined the financial domain by means of innovation,
technology and customer centric approach. The Group services
over 70 million individual investors in various capacities and
provides investor services to over 600 corporate houses,
comprising the best of Corporate India.
 Karvy’s mission statement is “To Bring Industry , Finance and
people together.”
OBJECTIVE:
TECHNIQUE OF PORTFOLIO MANAGEMENT :
 FOLLOWING POINTS MUST BE CONSIDERED BY
PORTFOLIO MANAGERS WHILE ANALYZING THE
SECURITIES :

 Nature of the industry and its product: Long term trends of

industries, competition with in, and out side the industry,
Technical changes, labour relations, sensitivity, to Trade cycle.
 Industrial analysis of prospective earnings, cash flows,
working capital, dividends, etc.
 Ratio analysis: Ratio such as debt equity ratio’s current ratio’s
net worth, profit earning ratio, return on investment, are
worked out to decide the portfolio.
 The wise principle of portfolio management suggests that
“Buy when the market is low or BEARISH, and sell when the
RESEARCH METHODOLOGY:

DATA Collection Methods: For the study purpose both Primary

data and Secondary data are used.

 PRIMARY DATA: Through response collected with help of survey

schedule from customers.
 SECONDARY DATA: Secondary data in this research work were
collected from books, magazines, and Internet website and other
online sources which contribute to the quantitative data as well as
qualitative data. The information compiled from these sources will
ensure a clear understanding of this project.
 Thus, a combined approach of both primary and secondary data
has been used in this extensive research. This is a descriptive kind
of research consisting of survey through the method of
“Questionnaire Method” with the customers of Karvy stock
RESEARCH INSTRUMENT

 QUESTIONNAIR :

 A questionnaire is a research instrument consisting of a series of

questions and other prompts for the purpose of gathering
information from respondents.
 The questionnaire used in the project includes following types of
questions: A close ended type of Questionnaire.
 The questionnaire was distributed to the customers of the Karvy. A
covering letter was attached together with the questionnaire by
explaining the purpose of this research, assuring the confidentiality
of their response and instructing them to complete the questions.
 The questionnaire was consists of 10 likert scale questions and 2
 DATA ANALYSIS

AND
INTERPRETATION
AGE OF THE RESPONDENTS :
Age Respondents Percentage

21-30 15 15%
31-40 25 25%
41-50 20 20%
51 and above 40 40%
Total 100 100%

Sales

21-30
31-40
41-50
51 and above

Above graph shows that the majority of the people that invests are of the age group of 51 and
above.
GENDER OF RESPONDENTS:
Gender Respondents Percentage

Men 83 83%

Women 17 17%

Total 100 100%

Men
Women

Above graph shows that 83% of respondent are men and 17% are women
THE VARIOUS INVESTMENTS IN YOUR PORTFOLIO :
OPTIONS RESPONSE PERCENTAGE

Shares 46 46%
Stock futures and 24 24%
option

Mutual funds 12 12%

Others 18 18%

Total 100 100%

Shares
Stock future and option
Mutual funds
Others

As per the interpretation, most of the people interested in shares and due to uncertainty mutual
funds suggestion is minimum.
CATEGORY OF INVESTMENT :
OPTIONS RESPONSE PERCENTAGE
Delivery 38 38%
Intraday 51 51%
Both 11 11%
Total 100 100%

Delivery

Intra day

Both

As per the interpretation, most of the people trade in intraday and minimum no. of people
invest in both.
TYPE OF MARKET OPERATED:
OPTIONS RESPONSE PERCENTAGE
Primary market 18 18%
Secondary market 54 54%
Both 28 28%
TOTAL 100 100%

Primary market
Secondary market
Both

As per the interpretation, most of the people invest in secondary market.

EXPERIENCE IN THE MARKET:
OPTIONS RESPONSE PERCENTAGE

Less than 2 years 20 20%

3-5 years 38 38%
5 years & above 42 42%
TOTAL 100 100%

Less than 2 years

3-5 years
5years & above

As per the interpretation, most of the people are experienced and minimum no. of people are
new in market.
RISK APPETITE:
OPTIONS RESPONSE PERCENTAGE
Low 18 18%
Moderate 32 32%
High 50 50%
TOTAL 100 100%

Low
Moderate
High

As per the interpretation, most of the people are ready for taking risk and minimum no. of
people are afraid of taking risk.
MONITOR YOUR INVESTMENT:
OPTIONS RESPONSE PERCENTAGE
Daily 36 36%
Weekly 14 14%
Monthly 28 28%
Occasionally 22 22%
TOTAL 100 100%

Daily
Weekly
Monthly
Ocasionally

As per the interpretation, most of the people monitor daily and minimum no. of people monitor
their investment weekly.
CONCLUSION :
 The study is made to find out “Risk perception and portfolio man-
agement of equity investors”. The study reveals that the investors in Jammu
city are not aware of portfolio which would minimize risk and maximize the
return.
 And also it is clear that the investors in Jammu city have low level of under-
standing about risk and the importance of portfolio management as they are
not aware these factors. Hence proper measure should to be taken in order to
improve the awareness level in the minds of the investors.
 Don't buy too many different securities. Better have only a few invest-
ments that can be watched.
 Study your tax position to known when you sell to greatest advant-
ages.
 Always keep a good part of your capital in a cash reserve. Never invest
all your funds.
 Too much focus on the market whether or not an individual invest-
ment has merit and value has nothing to do with that the overall market is do-
 RECOMMENDATION :

 According to the study the following things should be

considered by the company to achieve its objectives
 Most of the respondents are not aware of Portfolio
Management. So, proper guidance can be given to them. This is
to create awareness.
 A regular investor friendly seminar can be organized to suit the
timings of the investing public. For instance, such seminars can
be interactive sessions, arranged at frequent intervals.
 The newsletters published help investors. Hence
newsletters/bulletins can be published for guidance.
 Efforts should be taken to popularize Equity through
appropriate publicity measures.
 LIMITATION OF THE STUDY :
During the course of study the scope of limitation is always
there ,some of limitations associated with this study are:
 Questionnaire method involves some uncertainty of
response. Co-operation on the part of informants, in some
cases, was difficult to presume.
 The project was limited to a period of weeks and is done
purely for the academic purpose.
 The sample size is less and cannot be used as an overview
for all customers.
THANK YOU