a summer training report in

8/8/2019 A Summer Training Report In

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A SUMMER TRAINING REPORT IN

Investment opportunities and trend of investment among working

professionals.

Sharekhan

SUBMITTED IN THE PARTIAL FULFILLMENT OF THE REQUIREMENT OFBACHELOR OF BUSINESS ADMINISTRATION (BBA)

GURU JAMBHESHWAR UNIVERSITY OF SCIENCE & TECHNOLOGY,

HISAR.

TRAINING SUPERVISOR : SUBMITTED BY:

MR. MR. Nitish Kanresh

DESIGNATION ENROLLMENT NO.08511242439

SESSION : 2008 2011

GURU JAMBHESHWAR UNIVERSITY OF SCIENCE & TECHNOLOGY

HISAR

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ACKNOWLEDGEMENT

I here by take opportunity to thank the people who have helped me a lot during

the project work of two months. The successful accomplishment of this project, involves

sincere guidance from my Internal Project guide Mr. ___ their excellent guidance,

encouragement and patience made possible the successful completion of project. I would

also like to thanks our director, Gaurav Sharma, for his sincere guidance, in the

accomplishment of my project. It gives me pleasure to present the project report

on:-Investment Opportunities & Trend Of Investment among Working Professionals

for Sharekhan Ltd.

It was altogether a different and wonderful experience to be there in Sharekhan Securities

Ltd. as a summer trainee .

I specially want to thank my external guide ----- who was very cooperative with

me during the entire project work. They helped me to acquire the material regarding theinformation of various investment options, and helped me to understand all those.

Last but not the least I am thankful to the whole staff of Sharekhan Ltd. who directly or

indirectly helped me through out the project tenure.

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Executive Summary

This project represents information regarding various investment options available in the

market and awareness of Sharekhanas a financial service provider. The main objective of

the project is to Study what is risk and return combination and whether the general

public is aware of the various investment options available and the risk and return

associated with them.

Other objectives include:

To conduct a survey for the company to find about the awareness of various

investment options.

To find out the awareness among working professionals about the awareness of Sharekhan as a Financial Service provider..

To understand the trend of investment among the working professionals.

To learn the behavior of consumers in respect of the various investment

opportunities available.

This research work will also help in future in understanding the behavior of customer

(especially the professionals with handsome salary) toward investment. For execution of

the project, methodology adopted is the collection of data through questionnaire,

processing and analyzing the data. The people who were selectedfor this research are

professionals having good salary.

The area of the project work is Mumbai city. Sharekhan are the one of the personalized

service providers offering a range of investment services depending on the customer

needs and wants. As far as the brand awareness is considered the Karvy tops the list so,

the companies have to put the extra effort on its awareness, and also the company has to

take maximum efforts on building its marketing strategy.

According to the respondents the quality of the service is very important. So the

company should project itself as a brand in the market that gives end user the best quality

of service with handy operations.

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Most of the respondents have their own personal, consultant or company consultants.

Sharekhan have to differentiate their services from other consultant effectively by

delivering value added services to its customers.

Organizations have to concentrate on direct marketing activities. The consultancy should

develop its long-term relationship with the customers. The consultancy must give much

more emphasis on creation of customer who make repurchase.

The maximum amount of awareness which has been generated is through newspaper,

magazine, internet and word of mouth. So the company should take care of it as it can be

one of the potential media for advertisements.

The maximum respondents want to invest in tax planning and second preference for the

mutual fund, so the consultancy can decide its strategy accordingly. The consultancy has

to consider the factors for investments of respondents, effectively before making the

strategy.

The company should increase the level of interaction between the customer and the

Consultancy. The organization should focus on developing long-term relationship with

the customers.

According to the respondents the quality of the service is very important. So the company

should project itself as a brand in the market that gives end user the best quality of

service with handy operations.

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Table of Contents

I. Introduction

II. Company Profile

III. Research Methodology

a) Research Objectives

b) Research Design

c) Data Sources

- Primary Data (Interviews of Company employees/ vendors/

Distributors etc., Questionnaire Survey from the Respondents

mentioned

- Secondary Data (Information gathered from Magazines, News

Papers, Journals, Libraries, Fairs & Conference etc.)

d) Questionnaire Design/ Formulation [Describe the objective behind

formulating each question to be interviewed/ answered from the

respondent. Also describe whether open ended or close ended

questions are being used & objectives behind choosing such questions]

2. Sample Design

o Sample Element/ Sample Unit [Those who are to be

interviewed through Questionnaire Survey (Structured or

unstructured)]

o Extent (Territory in which survey is to be carried out)

o Time Frame

o Sampling Frame

o Sampling Technique

o Sample Size

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f) Limitations of the Research

IV. Data Analysis & Interpretations

V. Conclusions/ Findings

VI. Recommendations

VII. Annexures

VIII. Bibliography/ References

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Introduction

Sharekhan is online stock trading company of SSKI Group, provider of India-

based investment banking and corporate finance service. Sharekhan is one of the largest

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stock broking houses in the country. Shri Shantilal Kantilal Ishwarlal Securities Limited

(SSKI) has been among Indias leading broking houses for more than a century.

Sharekhan Ltd is India's leading online retail broking house with its presence through

1288'Share Shops' in 398 cities. It has a client base of 1.5 Corers. Launched on 8th

February, 2000 as an online trading portal, Sharekhanoffers its clients trade execution

facilities for cash as well as derivatives, on BSE and NSE, depository services, mutual

funds, initial public offerings (IPOs), and commodities trading facilities on MCX and

NCDEX. Besides high quality investment advice from an experienced research team

Sharekhan provides market related news, stock quotes fundamental and statistical

information across equity, mutual funds, IPOs and much more. Sharekhan is also about

focus. Sharekhan does not claim expertise in too many things. Sharekhans expertise liesin stocks and that's what he talks about with authority. To sum up, Sharekhan brings to

you a user- friendly online trading facility, coupled with a wealth of content that will help

you stalk the right shares.

Experience

SSKI has more than eight decades of trust and credibility in the Indian stock market. In

the Asia, Money broker's poll held recently, SSKI won the 'India's best broking house for

2004' award. Ever since it launched Sharekhan as its retail broking division in February

2000, it has been providing institutional-level research and broking services to individual

investors.

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Technology

With their online trading account one can buy and sell shares in an instant from any PC

with an internet connection. Customers get access to the powerful online trading tools

that will help them to take complete control over their investment in shares.

Accessibility

Sharekhan provides services for investors. These services are accessible through many

centers across the country (Over 650 locations in 150 cities), over the Internet (through

the website www.sharekhan.com) as well as over the Voice Tool.

Knowledge

In a business where the right information at the right time can translate into direct profits,

investors get access to a wide range of information on the content-rich portal,

www.sharekhan.com. Investors will also get a useful set of knowledge-based tools that

will empower them to take informed decisions.

Convenience

One can call Sharekhans Dial-N-Trade number to get investment advice and execute

his/her transactions. They have a dedicated call-center to provide this service via a Toll

Free Number 1800-22-7500 & 39707500 from anywhere in India.

Customer Service

Its customer service team assist their customer for any help that they need relating totransactions, billing, dmat and other queries. Their customer service can be contacted via

a toll- free number, email or live chat on www.sharekhan.com.

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Investment Advice

Sharekhan has dedicated research teams of more than 30 people for fundamental and

technical research. Their analysts constantly track the pulse of the market and provide

timely investment advice to customer in the form of daily research emails, online chat,

printed reports etc

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Profile of the Organization

SSKI GROUP

SSKI Group is one the leading institution which is dealing in institutional broking and

corporate finance. The SSKI Group was founded by four brothers named Srevati lal,

Shanti lal, Kanti lal and Ishwarlal. The group was founded in 1992.SSKI Group holds a

sizeable portion of the market of the market in each of these segments.SSKIs

institutional arms accounts for 7% of the market for Foreign institutional portfolio

investment and 5% in domestic institutional portfolio investment in domestic market. It

has 60 institutional clients spread over India ,Far East .UK,and US.

DETAILS OF M/s SSKI GROUPS:

S.No . TITLE NAMES1 Chairman of the company Shripal Morakiya2 Directors of company (4 nos.) Jaydeep Arora(on line)

Shankar Walyaa(operationsVijay WalyaaTarun Shah

3 Chief financial officer Naresh Agrawal4 Chief executive officer Tarun Shah5 National head(on line) Kalyan Raman6 PMS fundamental Rahul Rege

Sandeep7 PMS Technical Rohit Srivastava8 PMS Arbitrase Tezas9 Senior Branch Manager Hemendra Aggarwal10 Regional Sales Manager Amit Pal Singh11 Territory Manager (2 nos.) Subhash Jha

Vishal Sharma

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PRODUCT & SERVICES

A Sharekhan outlet offers the following services:

Online BSE and NSE executions (through BOLT & NEAT terminals)

Free access to investment advice from Sharekhans Research team.

Sharekhan Value Line (a monthly publication with reviews of recommendations,stocks to watch out for etc)

Daily research reports and market review (High Noon & Eagle Eye)

Pre-market Report (Morning Cups)

Daily trading calls based on Technical Analysis

Cool trading products (Daring Derivatives and Market Strategy)

Personalized Advice

Live Market Information

Depository Services

Derivatives Trading (Futures and Options)

IPOs & Mutual Funds Distribution

Internet-based Online Trading: Speed Trade

TYPES OF PRODUCTS

Classic Account

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Fast trade Account

Trade Tiger

1. Classic Account

The features about classic account are :-

It is basically used for beginners i.e. Fresher

Here the transactions can be done in BSE, NSE and F&O

There can be a market watch.

Here we can make four templates i.e. folders.

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You can add 20 scrips in each template.

Here you can add minimum 20 scrip and maximum 100 scrip.

Top gainers, Top losers, Top traded equities and Top traded funds are the special links

available in this.

It gives maximum access.

You can keep lump sum amount in the account.

There is a link which is- whats in, whats out

A system required is Windows XP, 2000, IE 6.0.

2. Fast trade Account

The features about fast trade account are:-

We can make five templates.

You can monitor 125 companies.

Systems required here are Windows XP, 2000, IE 6.0 and Java.

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You can also buy Mutual funds and IPO online.

You can also monitor circuits.

You can see the market depth i.e. the logic of demand and supply. It will help to

decide whether to buy or not.

It can also add trigger as in it works as a reminder.

This online trading platform is an applet- based application that provides live

streaming quotes from BSE and NSE.

Get live market prices and market statistics like best bid price, quantity, best offer

price and quantity etc. for chosen stocks.

3.Trade Tiger

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Trade Tiger is an application that brings you the power of a brokers terminal, right from

your desktop.

Trade on multiple exchanges {NSE, BSE, MCX, NCDEX} from a single screen.

Customize market watches by scripts or sectors and view them on a single screen.

Get access to technical tools and trade like a pro.

4. Invest Tiger

This account allows you to trade through website and is suitable for retail investors

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Online trading website also comes with a Dial-n-Trade service that enables to buy

and sell shares by calling dedicated toll-free number 1-800-22-7050.

Tie ups with Banks

Sharekhan has tied up with ten banks to facilitate the transfer of money from saving

account to Dmat account and vice versa .and by only these banks one can transfer the

money by e-banking .

AXIS Bank

Bank of India

Citi Bank

HDFC

ICICI Bank

IDBI Bank

IndusInd Bank

Oriental Bank of Commerce {OBC}

Union Bank of India

EXPOSURE

In Sharekhan one can get 4 times exposure on cash and on assets one can gets 2 times.

Sharekhan gives money only for A group and B group companies.

Only Blue-chip companies get exposure and not for x group companies.

NOTES

In Sharekhan account opening is free.

First years maintenance charge is zero.

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Second years maintenance is Rs 300.

Comparison with Competitors

Reliance:

Here the problem is that any order you place has to be cleared by 2.30pm.

No exposure is given here.

There tie-ups with only two banks i.e. HDFC and IDBI.

In Reliance per call is Rs15 extra

ICICI:

It has a huge client base.

Here per call charge is Rs 25.

In ICICI you can only access one company at that time.

There tie up is only one bank that is ICICI.

There is high brokerage for delivery is 0.75 paise and intraday is 0.25 paise.

There is no exposure.

Annual charges are Rs 500.

Company Profile

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NAME : S. S. KANTILAL ISHWARLAL

SECURITEIS PVT. LTD.

HEAD OFFICE : SHAREKHAN LTD.

A 206, PHOENIH HOUSE,

PHOENIH MILL COPUND,

SENAPATI, BAPTA MARG,

LOWER PAREL,MUMBAI - 400013

PH. NO : 1800 - 22 7500 , 3970 75 00

WEB SITE : www.sharekhan.com

CHIEF EXECUTIVE OFFICER : TARUN SHAH

BRANCH OFFICES : 100 BRANCHES

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MARKET COVERAGE

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Ground Network

Largest in India

122 Franchisees and 28 branches

Covers 82 cities in 17 states across India

Trade execution facility on BSE and NSE for Cash as well as Derivatives

Depository/Demat account services

Personalized Sharekhan research advice

Uniform service standards


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3.Single Screen Trading Terminal

4.Real time streaming quotes. Price watch on any number of scripts.

5.Hot keys similar to Brokers Terminal.

6.Customized Alerts based on Multiple Parameters.

7.Back up Facility to place trades on Direct Phone Lines.

8.Intra day charts, updated live, tick-by-tick.

9.Instant Order\ Trade Confirmation in the same window

10.Live margin, position, marked to market profit & loss report.

11.Competitive Brokerage.

12.Flexibility to customize screen layout and setting.

13.Facility to customize any number of portfolios & watch lists.

14.Facility to cancel all pending orders at one click.

15.Facility to square off all transactions at one click.

16.Top Gainers, Top Losers, and Most Active, updated live.

17.Index information; index chart, index stock information live.

18.Market depth, i.e. Best 5 bids and offers, updated live for all scripts

19.Online access to both accounts and DP.

20.Live updated Order and Trade Book.

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Brand Name:-

The company as a whole in its offline business has named itself as SSKI

Securities Pvt. Ltd -Sevaklal Sevantilal Kantilal and Ishwarlal Securities Pvt. Ltd.

The company has preferred to name themselves under a Blanket Family Name.

But in its online division started since 1997, the company preferred to name itself

as SHARE KHAN. The Brand Name SHARE KHAN itself suggests the

business in which

the company is dealing so that the consumer could easily identify the product or service category.

Services

Share khan offers its customers, depository services and trade execution

facilities for equities, derivatives and commodities backed with investment advice

tempered by decades of broking experience. The teams of its dedicated analystsare constantly at work to track performance and trends.

Dial-n-trade is also an exclusive service available to all Sharekhan customers for

trading in shares via the telephone. On dialing the toll free number 1600-22-7050

and on entering the customers TPIN number, the customer will be directed to a

telebroker who will buy or sell shares for him.

PRICE

List Price

CLASSIC SPEED

TRADE

SPEED

TRADE PLUSOne time 750 1000 1500

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registration feeMinimum brokerage

Charges Quarterly

Nil 1000 1500

Brokerage

Share khan in its online business charges brokerage as follows:

- In equity Market:

On Trading: 0.1% On Delivery: 0.5%

- In Derivative Market

On Trading: 0.12% (Total brokerage) On Delivery: 0.1%

Service Tax

-8% on Brokerage.

Turnover tax + Stamp duty

-0.015% (Rs. 15 on every turnover of Rs. 100000)

Custody Charge

Re. 1 per script held per month.

Discounts

For investors with High Net worth, there are slabs in brokerage rates.

Payment PeriodThe transaction settlement date in the securities market is T+ 2 days i.e.

the payment of the transaction taken place has to be made within two

days of its occurrence.

Credit terms

Share khan allows its customers to trade up to 4 times i.e. by keeping

1/4th margin with them.

PROMOTION

Online share trading is totally a new concept in Indian Market. Generally investor

doesnt like to come out from conventional way of share trading. Share khan has

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introduced this product in. The concept and Product are still new in the market.

Therefore the company has undertaken extensive promotion campaign to create

awareness about the product. Share khan adopts the following tools for

promoting the product

Advertising

Company advertises its product through TV media on channels like

CNBC, Print Media-in leading dailies and outdoors media. It advertises

itself as an innovative Brand with a cartoon of tiger-called SHERU.

Besides attractive and colorful brochures as well as posters are used

giving full details about the product.

Mails are sent to people logging on to sites like moneycontrol.com andrediff.com.

Also, stalls are opened up now and then at places where prospective

customers can be approached.

Sales Promotion

The Company offers Rs.500 instead of Rs.750 for corporate accounts

(more than 20 accounts).

Also, it provides online trading accounts for just Rs.300 for IIM students.

Sales Force

The Company has an aggressive sales force, which is given incentives,

based on their sales. The sales force is given intensive training

continuously.

Seminar

The Company also arranges seminar in corporate world for creating

awareness about the product. Recently, it had organized for a seminar in

ONGC, IIM.

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Direct Marketing

Company emphasizes more on direct marketing, as many people are still

not aware of this new way of smart trading. For this, the company recruits

and trains sales representatives so as to explain the product and solve

customer queries related to the product. This is the most effective way to

communicate the three-in-one concept which company offers.

Telemarketing

This is another promotional tool company is using to boost up its sales.

For this, the company collects the database of the people belonging to

different professional segments.

PLACE

Channels

Share khan uses various channel alternatives to reach to its customers

through

Internet

Tele Marketing

Retail Share Shops

Franchisee Owners

Power Brokers

Sales Force

Coverage

Access to the website from any part of the globe.

Locations

Share khan has the largest chain of retail share shops in India. It has 180

share shops located in 90 cities all over India like Pune, Thane, Chennai,

Kolkata, Banglore, Luckhnow, Darjleeng, Kanpur, Baroda, Midnapore,

Surat, Delhi, Gaziabad, Hydrabad, Allahbad, etc.

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PEOPLE

Employees Selection: Employees are selected on the basis of their

experience and qualification as applicable to the job.

Training: Intensive training is provided to the employees till a

week once they join and even at times required after that.

Motivation: The employees are motivated through incentives

they are provided.

Research Team

Share khan has a team of dedicated analysts who have years of working

experience in the industries that they track, and a proven track record in

using their knowledge of the investment science to deliver results.

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Customers

The heart of sharekhan are really treated loyally like the kings. The

customer care, which comprises of highly trained executives operatingfrom 9:30 to 8:00 p.m.

PHYSICAL EVIDENCE

Locality of the office:

In Ahmedabad, two franchise outlets are located in posh areas like

Navrangpura and Maninagar. A new franchise is going to open up in

Vastrapur.

Office Environment:The ambience within the office is what can make the customer feel

comfortable in trading. The cordial and friendly atmosphere at office is like

a full time motivation for the employees.

Interiors and Infrastructure:

The office is well furnished and has 24 computer terminals on which tick-

by-tick price movements of the securities are displayed.

PROCESS

In this service organization, the ways in which the customers receive

delivery of the service constitutes the process. Here, the process involves

adding value or utility so that the customers get full satisfaction for the

money spent by them.

Here the process begins from the step when customer wants to open e-

invest account and ends when his account is actually activated.

All Indian residents and NRI are eligible to avail this service.

Customers can open a sharekhan e-invest account by filling a single

application form.

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This form includes 9 agreements like:-

1. Main form with customer details

2. Agreement between sharekhan and client in respect of the ONLINE-

INVESTMENT SUPPORT service offered.

3. Agreement between the Depository Participant and the client for providing

the transaction statement through Internet.

4. Irrevocable power of attorney

5. Agreement between the DP and the person seeking to open an account

with the DP.

6. Maintenance of clients account on a running account bases by SSKI.7. Agreement giving the right of lien on the credit balance of client in NSE

trading.

8. Agreement giving the right of lien on the credit balance of client in BSE

trading.

9. Risk disclosure document (cash segment)

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S.W.O.T. Analysis of Share Khan

Strength:It is a big Business Organization with a turn over of Rs.400crores and more than

800 peoples working in the organization.

Has a competent Sales Force.

Has a strong Distribution channel.

Stimulates positive attitude towards the Product.

Gives extra incentive to the customer to make a purchase.

Gives direct inducement to take immediate action now rather than later.

Weakness:

Lack of Advertising and publicity.

Shortage of supply in some areas.

No emphasis given to small sellers.

They are non-recurring in there use they have seldom values.

Opportunities:

Better schemes may motivate Retailers.

If more facilities are provided to Retailers the Market share will surely increase.

Better Advertising and Publicity will lead to better sales.

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Opening of new retail outlets.

Threats:

Delay in Distribution due to many reasons.Biases behaviors of some Retailer.

Some MNCs are stepping in this field.

Better schemes provided by some competitors.

Research Methodology

Marketing research process:

Marketing research is the systematic design, collection, and analysis of data and findings

relevant to a specific marketing situation facing by the company.

Type of Research:Descriptive research: descriptive research is chosen for this project, because this project

deals with, knowing the customer preferences for the investment and knowing customer

habits relating to financial services provided by the consultancy.

Both quantitative and qualitative approaches are used for the project, but more emphasis

is given on the qualitative approach. As we tried to know customers interested area of

investment, so that we can measure their motive

Research Design:

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Research design is the conceptual structure within which the research would take place.

The presentation of such a design facilitates research to be as efficient as possible

yielding maximum information.

1. Deciding the Objective of the Study.

2. Questionnaire.

3. Sample Selection.

4. Feedback Collection.

5. Analysis.

Types of research

I used a descriptive type of research. It is one which includes surveys and fact finding,

Enquiries of different kinds. The major purpose of such research is description of the

state of affairs, as it exists at present.

Data Sources:

There are 2 types of data. They are:

1. Primary data2. Secondary data

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Primary Data :- Are those, which are collected afresh and for the first time and thus

happen to be original in character. Primary data will not only be relevant for research

project but it is also reliable, accurate and dependable.

Secondary Data:- Are those which have already been collected by someone else and

which have already been passed through the statistical process.

For my research data has been procured from both primary and secondary sources.

Dealers, customers and organization constituted the primary source.

Newspapers, magazines and websites constituted the Secondary data.

Research Instruments:

The various research instruments at the hands of the researcher are as follows: -

1) Observations: Under this the information is sought by way of investigators,

own direct observation without asking the respondents.

2) Interview: It involves presentation, oral-verbal, stimuli and reply in terms of oral-

verbal responses. This method can be used through personal interviews and if possible, through telephone interviews.

3) Questionnaires: It consists of number of questions printed or typed in a definite

order on a form or a set of forms; the respondents have to answer the questions

themselves .

For my survey I used the entire three Instruments.

Types of questionnaires:-

Questionnaires can be of 2 types.

Structured : It is one in which all questions and answers are specified and

comments in the respondents own words are held to the minimum.

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Unstructured : It is one in which the answers to the questions can be framed in the

respondents own words.

(My questionnaire was a structured one.)

Types of questions: -

Open Ended and Closed Ended

Sampling

Sample Plan

A sample plan is a definite plan for obtaining a sample from a given population. It refers

to the technique or the procedure the researcher would adopt in selecting items for the

sample. It includes the following.

Sample size:-This refers to the number of items to be selected from the universe to constitute a sample.

For my research the sample size 170 customers surveyed.

Tools used

In-depth interviews lasting between 1 hour to 1.5 hours

Informal discussions based on questionnaire format (Refer To Annexure -1)

Sample Size:- 100 respondents.

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1. TIME PRESSURE As the time was only 2 months, there was a pressure to

prepare the report with accurate data and present it to the Assistant Manager .

2. EXPENSES NOT PROVIDED Expenses which were incurred to get the

information were not provided by the company .

3. FINDING ACCURATE DATA There was a pressure to present only accurate

data not fake which took lots of time in proving that the data was accurate.

4. PEOPLE NOT READY TO GIVE INFORMATION People who were

approached were reluctant to provide the information due their busy work.

5. MARKET TIME--This was the biggest problem as we could contact our

Assistant Manager only after the share market closed and they completed their work and

settlements that is after 4 P.M.

DATA ANALYSIS

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1) Awareness Of Financial Services

The graph above shows that awareness about Tax Planning was the highest i.e.

34%.After that 23% people were aware about Mutual funds then comes

Insurance-20%.17% of the people were about Bonds/F.D.s. The least awareness

was found for Stock broking And PPM i.e. 3% each.

2) Awareness of SharekhanOur sample size was 75, and it was found that only 75% were aware about

Sharekhan & 25% are not aware of Sharekhan.

3 ) Aware ness Of Financial Consultancies

Among the Financial consultancies, the highest awareness was for KARVY-17%

then comes ENAM is 16%. For Agents the percentage was highest as it was 33.33%.

4) Customer awareness From Media

In respect of the customer awareness about financial services from media, Newspaper and

T.V. were on the top most i.e. 20% each. For others, the percentage was for Magazine-17%,

for Radio, Agents, Franchise, and reference it was 10% each. The lowest was for Hoardings

i.e.3% only.

5 ). Interested In Investment

Out of 75 sample unit, 67% of the people were interested in investment, and only 33% of

the people show their disinterest in investment.

6).Areas of investment

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Out of sample unit 150, the percentage of people interested in different areas was as

follows: Tax Planning-30%, Mutual Funds-27%,Insurance-20%,Bonds/F.D.s-

13%,Stock Broking-7% and for PPM only 3% 7) Reason of Unwillingness Of The People in Respect Of Investment

30% of the people said that because of the previous loss they had suffered they are not

willing to invest. Another 30% of the people said that that due to lack of knowledge they

do not invest invarious options. High risk was the reason for another 23% of the people,

while the rest 17%ther people said that due to lack of financial planning they do not

invest.

8) Investment Pattern Of The People From Their Annual Income

From the graph following we get the following data:

Financial Services Annual income

5-10% 10-15% 15-20% 20%& above

Tax planning 5 10 15 15

Mutual funds 10 15 10 05

Insurance 08 08 10 04

Bonds/FD 05 10 0 05

Stock Broking 05 05 0 0

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PPM 03 02 0 0

9) Preferable Period O f Investment :

From the survey we found that for most of the people preferable period of investment

was from Jan-Mar. The least preferable period was from Oct.-Dec.

10) Peoples Preference for I nvestment Through Consultancies

Out of the total sample unit of 150, 65% of the people said that they would like to invest

through consultancies while the rest 35% of the people showed their unwillingness

towards Investment

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7) The consultancy must give much more emphasis on creation of customer who make

repurchase.

8) The maximum amount of awareness which has been generated is through newspaper

and TV. So the company should take care of it as it can be one of the potential media for

advertisements.

9) The maximum respondents want to invest in tax planning and second preference for

the mutual fund, so the consultancy can decide its strategy accordingly.

10) The consultancy has to consider the factors for investments of respondents,

effectively before making the strategy.

11) From the survey I also founded that the consultancy lacked in after sales service

which is very important in todays business.

CONCLUSIONS

As most of the executives who were taken as our sample unit were from middle class or

upper middle class, they have a decent amount of saving. So they are willing to invest in

different options only if they are aware about the product they are getting into.

So it is important for the company, to create awareness about its financial services more

effectively. It is also necessary for the company to become customer friendly, to solve

their query and to provide information as and when required.

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RECOMMENDATIONS

1. The company should try to expand & build up its infrastructure because there is a

large potential for insurance in India.

2. Company should focus on the advertising activities because there is the tough

competition in the market.

3. The company should attract the market more vigorously and go in for trapping

more and new customers.

4. The company should provide special schemes for customers with more

information to motivate them.

5. The company should also try their best to make the customer aware of the

technical aspect of the schemes so that the customers do not feel that they are

ignorant of any fact.

6. Since most of the people are unaware about the share khan the broking

company. The company can make them aware by educating them about it with

the help of road shows and canopies.

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7. In the branch office, more sales associates are required to perform the business

operations.

8. More training facilities should be there.

9. Less time should be taken in documentation .

10. More branch offices should be open in the various locations to cover the

maximum area.

11. Branch should be much in space to attract the customer.

12. Company should try to organize some public relation activities.

Annexures

Agro Tech Foods Ltd. Consolidated Balance Sheet ( ` in Cr) ViewStandaloneMar-

10Mar-

09Mar-

08Mar-

07Mar-

06

OWNER'S FUND

Equity Share Capital 24.37 24.37 24.37 24.37 24.37

Reserves & Surplus 126.37

105.51

87.51 71.25 55.87

LOAN FUNDS

Secured Loans 0.00 0.00 11.82 17.72 16.34Total 150.7

4129.8

8123.70113.34 96.58

USES OF FUNDS

Gross Block 60.16 58.91 56.57 54.40 53.15

Less : Accumulated Depreciation 19.15 22.09 22.84 21.32 19.38

Net Block 41.01 36.82 33.74 33.08 33.77

Capital Work-in-progress 12.40 0.71 0.21 0.24 0.27

Investments 0.00 0.01 0.01 0.01 0.01

NET CURRENT ASSETS

Current Assets, Loans & Advances 193.50

179.25

163.58 152.16 133.09

Less : Current Liabilities & Provisions 96.17 86.82 73.73 72.14 71.17

Total Net Current Assets 97.33 92.44 89.84 80.03 61.92

Miscellaneous expenses not written 0.00 0.00 0.00 0.09 0.61

43
http://__dopostback%28%27ctl00%24content%24balancesheet1%24lbstandalone%27%2C%27%27%29/http://__dopostback%28%27ctl00%24content%24balancesheet1%24lbstandalone%27%2C%27%27%29/http://__dopostback%28%27ctl00%24content%24balancesheet1%24lbstandalone%27%2C%27%27%29/http://__dopostback%28%27ctl00%24content%24balancesheet1%24lbstandalone%27%2C%27%27%29/


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Total 150.74

129.97

123.80113.44 96.58

NOTE

Book Value of Unquoted Investments 0.00 0.01 0.01 0.01 0.01

Contingent liabilities 77.01 6.86 6.53 4.95 16.90 Number of Equity shares outstanding (inLacs)

243.69

243.69

243.69 243.69 243.69

Bibliography

Books

Sharma, D.D., Marketing Research, New Delhi, Sultan Chand & Sons

Educational Publishers, 2005.

Kothari, C.R., Research Methodology, Second Edition, New Delhi, New AgeInternational (p) Ltd Publishers, 2006.

Pandian, P., Security Analysis And Portfolio Management, Vikas Publishers,

2007.

Websites

1. www.sharekhan.com

2. www.google.co.in

3. www.speedtrade.com

4. www.strade.sharekhan.com

5. www.5paisa.com

6. www.icicidirect.com

7. www.kotak.com

44
http://www.google.co.in/http://www.speedtrade.com/http://www.strade.sharekhan.com/http://www.5paisa.com/http://www.icicidirect.com/http://www.kotak.com/http://www.google.co.in/http://www.speedtrade.com/http://www.strade.sharekhan.com/http://www.5paisa.com/http://www.icicidirect.com/http://www.kotak.com/


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Newspapers and Magazines

Economic Times

Bussiness Magazines

Questionaire

QUESTIONNAIRE FOR AWARENESS IN TRADING

1. Are you aware of the market condition now a day?

Yes No

2. Which market is good for trading?

Increasing Decreasing Both Dont know

3. What is the source of your stock market information?

TV channels news paper Share khan research magazines others

4. Would you like to trade in this market?

Yes No

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5. Do you have Demat & Trading Account? If yes specify.

6. Are you satisfied with the facilities given to you by the company? If yes specify.

...

7. What is your occupation?

Business Govt. Employee Private Employee

Retired Student House wife

8. How long have you been investing in

stocks?

New 1 to 5 years 5 to 10 years More than 10 years

9. If you are new, have you attended any training program for investing in stock ?

Yes No

10. Do you know about derivatives and

equity?

Yes No

11. What is your market preference?

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Speculator Regular investor Occasional investment Trader

12. What are your stock preferences?

High risk high returns

Stock value less than Rs10

Stock recommended by broking house

13. Do you know about Share khan Limited?

Yes No

14. Do you know about the schemes

offered by Share khan Limited?

Yes No

15. Do you want to have a free trading

and Demat account?

Yes No

16. Do you like to trade with Share khan?

Yes No

NAME: - .. PLACE: -

DATE : - .. CONTACT NO.:-

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QUESTIONAAIRES FOR THOSE WHO DOESNT KNOW ABOUT TRADING

1. Did you ever heard about trading in share market?

Yes No

2. Are you interested in trading in share market?

Yes No

3. What you think investing in market is profitable?

Yes No Cant say

4. What is your occupation?

Business Govt. Employee Private Employee

Retired Student House wife

5. Do you know that without Demat & Trading account no one can trade in the share

market?

Yes No

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6. What if the trading is provided to you

online? Do you trade?

Yes No

7. What if you are provided free Demat and Trading account?

Ready to open an account Think about the offer Not interested

8. Do you ever heard about Share khan?

Yes No

9. What if Share khan provides you ICICI account with zero balance?

Interested Not Interested

10. What more facilities you are expecting from Share khan?

.

..

..

..

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11. Do you know that share khan is offering flexible brokerage and many other

facilities which differentiate us from other broking firm

12. What affects more for you when you start trading in share khan?

Brokerage Online Trading Free telephone services

Easy money transfer to your account Exposure

Any other specify Not interested

NAME: - PLACE: - ..

DATE: - .. CONTACT NO.:- ....

a summer training report in

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