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A
PROJECT REPORT
ON
INVESTMENT OPPORTUNITIES & TREND OF
INVESTMENT
AMONG
WORKING PROFESSIONALS A case Stu! "# S$a%e K$a#
Lt C"#ucte at Asa#s"' & Du%(a)u% %e(*"#
FOR
S+AREK+AN LTD.
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DECLARATION
I, Rat#a*) De! student of Asansol Education Hub under Punjab Technical
Uniersit!, hereb! declare that I hae successfull! co"#leted this #roject on
$Inest"ents O##ortunities % Trend of Inest"ent a"on& 'or(in&
Professionals)as a #art of "! Internshi#. The infor"ation incor#orated in this
#roject is true and ori&inal to the best of "! (no*led&e.
+i&nature
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ACKNOWLEDGEMENT
I hereb! ta(e o##ortunit! to than( the #eo#le *ho hae hel#ed "e a lot
durin& the #roject *or( of t*o "onths. The successful acco"#lish"ent of this
#roject, inoles sincere &uidance fro" "! Internal Project &uide - +antanu
aju"der e/cellent &uidance, encoura&e"ent and #atience "ade #ossible the
successful co"#letion of #roject. I *ould also li(e to than(s all the facult!
"e"bers of Asansol Education Hub to acco"#lish"ent "! #roject. It &ies "e
#leasure to #resent the #roject re#ort on I#,est-e#t O))"%tu#*t*es & T%e#
". I#,est-e#t a-"#( W"%/*#( P%".ess*"#a's for +hare(han td. It *as
altoðer a different and *onderful e/#erience to be there in +hare(han
+ecurities td.
ast but not the least I a" than(ful to the *hole staff of +hare(han td.
*ho directl! or indirectl! hel#ed "e throu&hout the #roject tenure.
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CONTENTS
Ac/#"0'e(e-e#t 1
1 E2ecut*,e Su--a%! 345
6 O78ect*,es ". t$e Stu! 9
3 Sc")e ". t$e Stu! :
; C"-)a#! P%".*'e
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E2ecut*,e Su--a%!
This #roject re#resents infor"ation re&ardin& arious inest"ent o#tions
aailable in the "ar(et and a*areness of +hare(han as a financial serice
#roider. The "ain objectie of the #roject is to $+tud! *hat is ris( and return
co"bination and *hether the &eneral #ublic is a*are of the arious inest"ent
o#tions aailable and the ris( and return associated *ith the").
Ot$e% "78ect*,es *#c'ue@
To conduct a sure! for the co"#an! to find about the a*areness of arious
inest"ent o#tions.
To find out the a*areness a"on& *or(in& #rofessional3s about the a*areness
of +hare(han as a Financial +erice #roider.
To understand the trend of inest"ent a"on& the *or(in& #rofessionals.
To learn the behaior of consu"ers in res#ect of the arious inest"ent
o##ortunities aailable.
To anal!sis the different inest"ent #olicies and its acce#tance offered b!
+hare(han.
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This research *or( *ill also hel# in future in understandin& the behaior of
custo"er 5Es#eciall! the #rofessional3s *ith handso"e salar!6 to*ard
inest"ent.
For e/ecution of the #roject, "ethodolo&! ado#ted is the collection of data
throu&h 7uestionnaire, #rocessin& and anal!8in& the data. The #eo#le *ho *ere
selected for this research are #rofessionals hain& &ood salar!.
The area of the #roject *or( is Asansol % 9ur&a#ur cit!. +hare(han are
the one of the #ersonali8ed serice #roiders offerin& a ran&e of inest"ent
serices de#endin& on the custo"er needs and *ants. As far as the brand
a*areness is considered the :ar! to#s the list so, the co"#anies hae to #ut
the e/tra effort on its a*areness, and also the co"#an! has to ta(e "a/i"u"
efforts on buildin& its "ar(etin& strate&!.
Accordin& to the res#ondents the 7ualit! of the serice is er! i"#ortant. +o the
co"#an! should #roject itself as a brand in the "ar(et that &ies end user the
best 7ualit! of serice *ith hand! o#erations.
ost of the res#ondents hae their o*n #ersonal, consultant or co"#an!
consultants. +hare(han hae to differentiate their serices fro" other consultant
effectiel! b! delierin& alue added serices to its custo"ers.
Or&ani8ations hae to concentrate on direct "ar(etin& actiities. The
consultanc! should deelo# its lon&;ter" relationshi# *ith the custo"ers. The
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consultanc! "ust &ie "uch "ore e"#hasis on creation of custo"er *ho "a(e
re#urchase.
The "a/i"u" a"ount of a*areness *hich has been &enerated is throu&h
ne*s#a#er, "a&a8ine, internet and *ord of "outh. +o the co"#an! should ta(e
care of it as it can be one of the #otential "edia for adertise"ents.
The "a/i"u" res#ondents *ant to inest in ta/ #lannin& and second #reference
for the "utual fund, so the consultanc! can decide its strate&! accordin&l!. The
consultanc! has to consider the factors for inest"ents of res#ondents,
effectiel! before "a(in& the strate&!.
The co"#an! should increase the leel of interaction bet*een the custo"er and
the =onsultanc!.
The or&ani8ation should focus on deelo#in& lon&;ter" relationshi# *ith the
custo"ers.
Accordin& to the res#ondents the 7ualit! of the serice is er! i"#ortant. +o the
co"#an! should #roject itself as a brand in the "ar(et that &ies end user the
best 7ualit! of serice *ith hand! o#erations.
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Objectives of the Study
The objectie conductin& this #roject e/ercise *as to &et useful insi&ht about
the inest"ent sector. I hae #re#ared this re#ort *ith so"e s#ecific
objectie. The objecties are as under
To conduct a sure! for the co"#an! to find about the a*areness of arious
inest"ent o#tions.
To find out the a*areness a"on& *or(in& #rofessional3s about the a*areness
of +hare(han as a Financial +erice #roider.
To understand the trend of inest"ent a"on& the *or(in& #rofessionals.
To learn the behaior of consu"ers in res#ect of the arious inest"ent
o##ortunities aailable.
To stud! the ris( and return co"bination associated *ith the arious
inest"ent o##ortunities and *hether the &eneral #ublic is a*are about
the".
To anal!sis the different inest"ent #olicies and its acce#tance offered b!
+hare(han.
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Scope of the Study
There is a *ide sco#e of stud! on this research *or(. This
#roject can be used b! different students to arious inest"ent
o##ortunities aailable and *a! to sae ta/ but as "! #roject duration
*as onl! for 2< da!s, I hae restricted "!self onl! to *or(in&
#rofessionals *or(in& in Asansol % 9ur&a#ur cit! . It *ould hae
been i"#ossible for "e to hae an anal!sis of all #eo#le, and also
#eo#le of other area i.e. outside Asansol, in just 2< da!s.
This research *or( *ill also hel# in future in
understandin& the behaior of custo"er to*ard inest"ent.
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Compay !"o#$e
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+hare(han is online stoc( tradin& co"#an! of ++:I Brou#, #roider of India;
based inest"ent ban(in& and cor#orate finance serice. +hare(han is one of
the lar&est stoc( bro(in& houses in the countr!. +hri +hantilal :antilal Ish*arlal
+ecurities i"ited 5++:I6 has been a"on& India3s leadin& bro(in& houses for
"ore than a centur!.
+hare(han td is IndiaCs leadin& online retail bro(in& house *ith its
#resence throu&h 1@@C+hare +ho#sC in 2@ cities. It has a client base of .
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C"#,e#*e#ce
One can call +hare(han3s 9ial;N;Trade nu"ber to &et inest"ent adice and
e/ecute hisGher transactions. The! hae a dedicated call;center to #roide this
serice ia a Toll Free Nu"ber @00;11;?
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!%OD&CT ' SE%()CES
A +hare(han outlet offers the follo*in& serices
Online D+E and N+E e/ecutions 5throu&h DOT % NEAT ter"inals6
Free access to inest"ent adice fro" +hare(han3s Research tea"
+hare(han alue ine 5a "onthl! #ublication *ith reie*s of
reco""endations, stoc(s to *atch out for etc6
9ail! research re#orts and "ar(et reie* 5Hi&h Noon % Ea&le E!e6
Pre;"ar(et Re#ort 5ornin& =u#s6
9ail! tradin& calls based on Technical Anal!sis
=ool tradin& #roducts 59arin& 9eriaties and ar(et +trate&!6
Personali8ed Adice
ie ar(et Infor"ation
9e#ositor! +erices
9eriaties Tradin& 5Futures and O#tions6
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IPO3s % utual Funds 9istribution
Internet;based Online Tradin& +#eed Trade
TPES OF PRODUCTS
=lassic Account
Fast trade Account
Trade Ti&er
? C'ass*c Acc"u#t
The features about classic account are;
It is basicall! used for be&inners i.e. Fresher
Here the transactions can be done in D+E, N+E and F%O.
There can be a "ar(et *atch.
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Here *e can "a(e four te"#lates i.e. folders.
ou can add 10 scri#3s in each te"#late.
Here !ou can add "ini"u" 10 scri# and "a/i"u" 00 scri#.
To# &ainers, To# losers, To# traded e7uities and To# traded funds are the
s#ecial lin(s aailable in this. It &ies "a/i"u" access.
ou can (ee# lu"# su" a"ount in the account.
There is a lin( *hich is; *hat3s in, *hat3s out
A s!ste" re7uired is 'indo*s P, 1000, IE >.0.
1Fast t%ae Acc"u#t
The features about fast trade account are;
'e can "a(e fie te"#lates.
ou can "onitor 1< co"#anies.
+!ste"s re7uired here are 'indo*s P, 1000, IE >.0 and Jaa.
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ou can also bu! utual funds and IPO online.
ou can also "onitor circuits.
ou can see the "ar(et de#th i.e. the lo&ic of de"and and su##l!.
It *ill hel# to decide *hether to bu! or not.
It can also add tri&&er as in it *or(s as a re"inder.
This online tradin& #latfor" is an a##let; based a##lication that
#roides lie strea"in& 7uotes fro" D+E and N+E.
Bet lie "ar(et #rices and "ar(et statistics li(e best bid #rice,
7uantit!, best offer #rice and 7uantit! etc. for chosen stoc(s.
6 T%ae T*(e%
Trade Ti&er is an a##lication that brin&s !ou the #o*er of a bro(er3s ter"inal,
ri&ht fro" !our des(to#.
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Trade on "ulti#le e/chan&es KN+E, D+E, =, N=9EL fro" a
sin&le screen.
=usto"i8e "ar(et *atches b! scri#ts or sectors and ie* the" on a
sin&le screen.
Bet access to technical tools and trade li(e a #ro.
3 I#,est T*(e% This account allo*s !ou to trade throu&h *ebsite and is suitable for
retail inestors.
Online tradin& *ebsite also co"es *ith a 9ial;n;Trade serice that
enables to bu! and sell shares b! callin& dedicated toll;free nu"ber
;@00;11;?0a#/s+hare(han has tied u# *ith ten ban(s to facilitate the transfer of "one! fro"
sain& account to 9"at account and ice -ersa .and b! onl! these ban(s one
can transfer the "one! b! e;ban(in& .
AI+ Dan(
Dan( of India
=iti Dan(
H9F=
I=I=I Dan(
I9DI Dan(
IndusInd Dan(
Oriental Dan( of =o""erce KOD=L
Union Dan( of India
es Dan(
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TPES OF PLANS
EBPOSURE
In +hare(han one can &et 4 ti"es e/#osure on cash and on assets one
can &ets 1 ti"es. +hare(han &ies "one! onl! for A &rou# and D &rou# co"#anies.
Onl! Dlue;chi# co"#anies &et e/#osure and not for / &rou# co"#anies.NOTES
In +hare(han account o#enin& is free.
First !ear3s "aintenance char&e is 8ero.
+econd !ear3s "aintenance is Rs 200.
Compa"iso *ith Competito"sM Reliance Here the #roble" is that an! order !ou #lace has to be cleared b!
1.20#".
No e/#osure is &ien here.
There tie;u#s *ith onl! t*o ban(s i.e. H9F= and I9DI.
In Reliance #er call is Rs< e/tra.
M I=I=I
It has a hu&e client base. Here #er call char&e is Rs 1
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In I=I=I !ou can onl! access one co"#an! at that ti"e.
There tie u# is onl! one ban( that is I=I=I.
There is hi&h bro(era&e for delier! is 0.?< #aise and intrada! is 0.1. The duration of a N+=
sche"e is > !ears. N+=s are issued in deno"inations of Rs 00, Rs 0
after > !ears at a co"#ounded !ield of @.> *ith ta/ benefits under
section @0 and @@. No #re"ature *ithdra*al is allo*ed. Interest accrued
annuall! is also reinested in this sche"e and also 7ualifies for u# to
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7 K*sa# V*/as Pat%a
:isan i(as Patras is a safe and lon& ter" inest"ent o#tion bac(ed b!
the Boern"ent of India *hich #roides interest inco"e si"ilar to
bonds. The title of the sche"e "a(es so"e "isconce#tion that it is onl!
"eant for far"ers. Dut an!one can &o for :isan i(as Patra. :P is
beneficial for those loo(in& for a safe aenue of inest"ent *ithout the
#ressin& need for a re&ular source of inco"e. one! doubles at the end
of s#ecified #eriod. one! can be doubled in @ !ears and ? "onths.
There is no u##er li"it that !ou can inest. There are no ta/ benefits for
inest"ents "ade under this sche"e. The rate of interest *or(s out to be
@.4 51006. oans are aailable a&ainst :isan i(as Patra. Interest is
#aid on "aturit! and cannot be clai"ed #rior to "aturit!. This can be
#urchased jointl! b! t*o adults.In the case of loss or stolen =ertificate,
the #urchaser should re#ort the #ost office at the earliest. An
a##lication should sub"it in #ost office containin& the certificate nu"ber,
a"ount, date of #urchase G"aturit! etc. and declare the circu"stances
resultin& the loss of certificate. In such cases the identit! sli# co"es
useful to &et a du#licate certificate. After the erification, the #ost office
*ill issue a du#licate certificate. If needed, the #urchaser *ill hae to
sub"it inde"nit! bondGdeclarationGDan( erification.
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c Se#*"% C*t*e#s Sa,*#(s Sc$e-e
The &oern"ent has announced a ne* senior citi8ens sain& sche"e. It
has been launched onl! throu&h desi&nated #ost offices fro" 1 nd au&ust
1004. It is for indiiduals *ho hae attained the a&e of >0 !ears, and *ho
hae retired under oluntar! retire"ent sche"e on the date of o#enin& of
an account. The "ain features of the sche"e are that it carries an interest
of #.a. 5ta/able6 on the de#osit. 9e#osit can be a "ini"u" of Rs.
000 and a "a/i"u" of Rs. < la(hs, to be held for a #eriod of < !ears
and e/tendable for a further 2 !ears. It can be #re"aturel! *ithdra*n
after one !ear *ith so"e deductions. Interest 7ualifies for deductions. A
de#ositor "a! o#en the account in the indiidual ca#acit! or jointl! *ith
a s#ouse. Nonresident Indian are not eli&ible to o#en an account. This
+che"e is "ost beneficial to +enior citi8ens and #roides a hi&h rate of
interest as co"#ared to ban( interest of 4.
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that is accu"ulated in this account can be *ithdra*n entirel! onl! after
< !ears. Part *ithdra*al is allo*ed onl! after ? !ears. An inestor can
#ut u# to Rs ?0000 #er !ear in PPF in either lu"# su" or 1 "onthl!
install"ents. After < !ears the inestor can rene* this account for a a#/ F*2e De)"s*ts
Dan( fi/ed de#osits !ields *ill ar! fro" ban( to ban( but are "ore or
less strea"lined. The !ields are currentl! ran&in& fro" 4.< to
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,* R>I Ta2a7'e >"#s
These are @ bonds *hich are ta/able. The "aturit! #eriod is after >
!ears and there is no u##er li"it to inest"ent in these bonds. The
interest accrued on these bonds is ta/able under inco"e ta/ act.
,** I#su%a#ce
There are seeral t!#es of insurance #olicies aailable in the "ar(et toda!
throu&h arious #la!ers. ife Insurance =or#oration 5I=6 till recentl!
held "ono#ol! in this "ar(et. ife insurance is the "ost sou&ht o#tion as
it also offers ta/ benefits for #re"ier #aid. Thou&h insurance is
e/#enditure, it is no* an inest"ent o#tion.
,*** C"-)a#! F*2e De)"s*ts
=o"#an! fi/ed de#osits *as a hi&hl! #o#ular inest"ent ehicle in the
#ast. In toda!3s chan&in& scenario *here the cor#orate *orld has access
to chea#er funds fro" sources all oer the *orld, the rates of interest
offered b! &ood co"#anies "a(e this a less attractie inest"ent ehicle.
If co"#an! fi/ed de#osits are unsecured de#osits and if a acco"#an!
&oes insolent there is er! little #ossibilit! of inestor recoerin& his
inest"ents.
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*2 I#.%ast%uctu%e >"#s
An infrastructure bond is a ta/ sain& bond that *as innoated in order to
#roide funds for the deelo#"ent of (e! infrastructure #rojects. Thus,
inestors in these bonds a#art fro" "aterial benefit in ter"s of ta/
sain&s, hae the hi&her satisfaction of hain& contributed to the
deelo#"ent of the countr!3s infrastructure.
,- (a"iab$e %etu" Optios
Mutua' Fu#s@
Throu&h utual Funds co"#anies #ools the "one! of "an! inestors ;;
its shareholders ;; to inest in a ariet! of different securities.
Inest"ents "a! be in stoc(s, bonds, "one! "ar(et securities or so"e
co"bination of these. Those securities are #rofessionall! "ana&ed on
behalf of the shareholders, For the indiidual inestor, "utual funds
#roide the benefit of hain& so"eone else "ana&e !our inest"ents and
diersif!in& !our "one! that "a! not be aailable or affordable to !ou
other*ise. A "utual fund, b! its er! nature, is diersified ;; its assets are
inested in "an! different securities.
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S$a%es a# St"c/ Ma%/et
Indian Stock Market Overview
The Do"ba! +toc( E/chan&e 5D+E6 and the National +toc( E/chan&e of
India td 5N+E6 are the t*o #ri"ar! e/chan&es in India. In addition,
there are 11 Re&ional +toc( E/chan&es. Ho*eer, the D+E and N+E hae
established the"seles as the t*o leadin& e/chan&es and account for
about @0 #er cent of the e7uit! olu"e traded in India. The #ri"ar!
inde/ of D+E is D+E +ense/ co"#risin& 20 stoc(s. N+E has 5Nift!6
*hich consists of fift! stoc(s. The D+E +ense/ is the oldest and "ore
*idel! follo*ed inde/.
No* these da!s een co""on #eo#le is bein& a*are about the share
"ar(et in res#ect of 4;< !ears a&o . before 4;< !ears a&o onl! affluent
and hi&hl! educated #eo#le *ere a*are about share "ar(et and the! used
to inest in co"#anies stoc(. Dut the ti"e is chan&in& er! ra#idl! .the
#eo#le is bein& educated about the share "ar(et b! bro(in& fir"s , stoc(
e/chan&e , &oern"ent, ne*s #a#ers, ne*s channels and b! introducin&
arious ne* course in schools and colle&es . No* co""on #eo#le hae
started inestin& in co"#anies stoc(s b! o#enin& u# 9AT account in
arious bro(in& fir"s .
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In this t!#e of inest"ent there is no certaint! of return on inest"ent
one "a! lose his "one! or can &ain une/#ected a"ount of return.
In stoc( "ar(et #eo#le &et t*o t!#e of return
. 9iidend #aid b! the co"#an!
1. Price rise in co"#an!3s share
These t*o of benefit &et the stoc( holder onl! if the co"#an! is doin&
*ell and all e/ternal eniron"ents *hich affects the stoc( "ar(et is
faorable.
PPM P%*,ate P'ace-e#t Me-"%a#u-
A #riate #lace"ent "e"orandu" 5PP6 is the docu"ent that discloses
eer!thin& the inestor needs to (no* to "a(e an infor"ed inest"ent
decision. This includes the offerin& structure, the share structure of the
co"#an!, disclosures about the shares bein& #urchased, co"#an!
infor"ation, infor"ation on co"#an! o#erations, ris(s inoled *ith the
inest"ent, "ana&e"ent infor"ation, use of #roceeds, infor"ation on
certain transactions that could affect the inestor, and inestor suitabilit!
data. The PP also includes the subscri#tion a&ree"ent *hich is the
actual sales contract for the shares of stoc(. This is the docu"ent that
the inestor *ill si&n and send in *ith their inest"ent funds.
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The PP is er! i"#ortant because it #roides the inestor *ith all of the
#rescribed data the! *ill need to "a(e an inest"ent decision and
includes the actual docu"entation to effect the inest"ent transaction.
PPCs are desi&ned as a stand;alone docu"ent ; "eanin& that there need
not be other infor"ation #resented to the inestor for the" to "a(e an
accurate inest"ent decision. an! co"#anies *ill attach their business
#lans to the PP as su##ortin& docu"entation. This is an acce#table
#ractice so lon& as the infor"ation in the business #lan #ro#erl!
corres#onds *ith the infor"ation in the PP and that the inestor is
"ade a*are that the business #lan alone does not constitute an offer to
sell securities ; onl! the PP can "a(e that offer.
C- Covetioa$ optios
? P%")e%t!
Inest"ent in real estate or #ro#ert! is a &ood lon&;ter" inest"ent for
*ell heeled inestors *ith a lar&e a"ount of "one!. Peo#le used to
#urchase #ro#ert! and *hen the! reali8e that the! are &ettin& "a/i"u"
return on their inest"ent sale it off and boo( the #rofit. In this t!#e of
inest"ent there is no fi/ rate of return its de#end on the #eo#le3s
foresi&ht.
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1 G"' a# s*',e%
In deelo#in& countries, #eo#le hae often trusted &old as a better
inest"ent than stoc( and ban( de#osits. Bold and siler hae al*a!s
been #o#ular in India because historicall! these acted as a &ood hed&e
a&ainst inflation . In that sense these "etals hae been "ore attractie
than ban( de#osits or &ilt -ed&ed securities. In &old and siler there is
also a aesthetic a##eal *hich attracts the #eo#le and the! consider it as a
alue for "one!.
Du!in& the &old and siler #eo#le feel secure because these are the scarcest and
the! can cash it an! ti"e at hi&her #rice than their ori&inal bu!in& #rice.
22
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T+E INVESTMENT AT GLANCE
a6 FIE9 RETURN OPTION
O#tion % Denefit +afet! i7uidit! Return
Post Office - P 5@6 0 Donus On
aturit!
Hi&h Bood Bood
N.+.=. 5@.> co"#ounded6. Ta/
benefits, No T9+
Hi&h o* oderat
e
:isan i(as Patra [email protected] @!rs. ?"ths.
9ouble ou3re one!. No T9+. oan
Aailable Fro" Dan(s a&ainst :P
Hi&h o* oderat
e
+enior =iti8en +ain& +che"e 56 -
Ta/able
Hi&h Bood oderat
e
PPF 5@6. Offers ta/ benefits Hi&h o* oderat
e
Dan( F9s 5bet*een 4.< ;
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Infrastructure Donds Hi&h oderat
e
oderat
e
7 VARIA>LE RETURN OPTION
O#tion +afet! i7uidit! Return
utual Fund - 9ebt,
Inco"e , +ain& Funds
Hi&h aries o*
utual Fund - E7uit! o* o* Hi&h
utual Fund -Dalance
Fund
oderate Bood oderate
+hare "ar(et o* oderate Hi&h
Pro#erties "ar(et oderate o* aries
2
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%esea"ch Methodo$o/y
Follo*in& are the arious definitions of "ar(etin& research
6 Accordin& to Phili# :otler, it is a s!ste"atic desi&n, collection, anal!sis,
of data and releant to a s#ecific "ar(etin& situation facin& the
co"#an!.
16 Accordin& to A"erican ar(etin& Association, it is the function *hich
lin(s the custo"er and the #ublic to the "ar(eter throu&h infor"ation
used to identif! and define "ar(etin& o##ortunities and the #roble"s
&enerate, redefine action "onitor "ar(etin& action "onitor "ar(etin&
#erfor"ance and i"#roe understandin& of "ar(etin& as a #rocess.
Ma%/et*#( %esea%c$ )%"cess@
ar(etin& research is the s!ste"atic desi&n, collection, and anal!sis of data and
findin&s releant to a s#ecific "ar(etin& situation facin& b! the co"#an!.
T!)e ". Resea%c$@
2>
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9escri#tie research descri#tie research is chosen for this #roject, because this
#roject deals *ith, (no*in& the custo"er #references for the inest"ent and
(no*in& custo"er habits relatin& to financial serices #roided b! the
consultanc!.
Doth 7uantitatie and 7ualitatie a##roaches are used for the #roject, but "ore
e"#hasis is &ien on the 7ualitatie a##roach. As *e tried to (no* custo"ers
interested area of inest"ent, so that *e can "easure their "otie
Dete%-*#*#( t$e S"u%ces O. Data C"''ect*"#@
The sources of data collection *ere #ri"ar! and secondar! source. Pri"ar! data
has been used for anal!sis of the objectie of research. As *ell as secondar!
data #roed to be hel#in& hand in co"#letion of the #roject.
Pri"ar! data Pri"ar! data are those, *hich are, collected for the first ti"e, and
it is ori&inal in character. In this research, #ri"ar! data *as collected b! the use
of 7uestionnaires.
+econdar! data +econdar! data on the other hand are those *hich hae alread!
been collected b! so"eone else and *hich hae alread! been #assed throu&h the
statistical #rocess. In this #roject secondar! data used *ere, boo(s, "a&a8ines,
internet and other #roject re#orts.
Reas"#s ."% se'ect*#( t$e )%*-a%! ata@
2?
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+ince the "ain objectie of the #roject, (ne* the custo"er #references
for the financial serice, the best tool that can satisf! all the re7uire"ent of data
*as the #ri"ar! data. One needs to hae the de#th (no*led&e the custo"er
ie*s, and their #erce#tion and their inest"ent #attern. The infor"ation has
been collected throu&h 7uestionnaire.
Thus the #ri"ar! data hae been #roed one of the #otential a##roaches in
collection of the infor"ation.
9ata collection "ethods
ethods of data collection used for the #roject is
+ure! "ethod The tools, *hich hae been underta(en, are
6 Throu&h e"ail
The structured 7uestionnaire has been underta(en to e/tract the desired
infor"ation fro" the res#ondents. Also both closed and o#en;ended 7uestions
are used to deter"ine the #erce#tions of res#ondent. To obtain the infor"ation,
the 7uestionnaire are "ailed to the res#ectie res#ond, *hich result in cost
reduction as *ell as, in a er! short #eriod *e beco"e able to obtain the
necessar! infor"ation to carr! out the #roject "ore effectiel! and efficientl!
16 Personal interie*
2@
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It is direct for" of inesti&ation inolin& face;to;face co""unication
*ith free feedbac( infor"ation. It offers a sense of the #artici#ation. It is "ore
fle/ible for" of data collection.
9e#th interie* is #ossible, co"#le/ 7uestions can be as(ed. Obserational
a##roach can be used to erif! inco"e and the intentions of a consu"er "ore
effectiel!.
26 +a"#le Unit
It &ies the tar&et #o#ulation that *ill be sa"#led. This research has been
carried onl! in Asansol % 9ur&a#ur cit!. As the sa"#le *hich *e hae chosen
are the #eo#le *ho are *or(in& in the IT and soft*are, construction and real
estate, co"#anies hain& handso"e salar!. These #eo#le are al*a!s (een to
inest at lar&e e/tent. Also this is the sa"#le that *ill consult the consultanc!
for the inest"ent decisions.
For this research, tar&et res#ondents *ere
; IT % +oft*are e/ecuties.
; Professionals *or(in& in the or&ani8ation.
The reason for selectin& this sa"#le *as these are the #eo#le *ho *ill consult
the or&ani8ation for inest"ents, as the! are hain& the #otentialit! to inest
2
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hu&e a"ount of "one!, and *hich need the #ro#er &uidance about the financial
serices in *hich the! are &oin& to inest.
+a"#le Unierse The unierse of research *as the Asansol % 9ur&a#ur cit!.
+a"#le si8e A total of ?< res#ondents *ere sure!ed.
Area of o#eration Asansol % 9ur&a#ur =it!
40
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DATA ANAL0S)S
6 A*areness Of Financial +erices
20. 20%
23. 23%
17. 17%3. 3%
3. 3%
34. 34% Insurance
Mutual Fund
Bonds
Stock Broking
PPM
Tax Plannning
The &ra#h aboe sho*s that a*areness about Ta/ Plannin& *as the hi&hest i.e.
24.After that 12 #eo#le *ere a*are about utual funds then co"es
Insurance;10.? of the #eo#le *ere about Dond3sGF.9.3s. The least
a*areness *as found for +toc( bro(in& And PP i.e. 2 each.
4
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1 A0a%e#ess ". S$a%e/$a#
!S
"#
Our sa"#le si8e *as ?
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3 Cust"-e% a0a%e#ess F%"- Me*a
17. 1&%
20. 17%
20. 17%10. $%
10. $%10. $%
3. 3%
2&. 22%
Maga'ines "e(s)a)er T* +adio ,gents Franc-ise oardings +e/rence
In res#ect of the custo"er a*areness about financial serices fro" "edia,
Ne*s#a#er and T.. *ere on the to# "ost i.e. 10 each. For others, the
#ercenta&e *as - for a&a8ine;?, for Radio, A&ents, Franchise, and
reference it *as 0 each. The lo*est *as for Hoardin&s i.e.2 onl!.
42
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; I#te%este I# I#,est-e#t
7. 7%
33. 33%
es
"o
Out of ?< sa"#le unit, >? of the #eo#le *ere interested in inest"ent, and
onl! 22 of the #eo#le sho* their disinterest in inest"ent.
5 A%eas ". *#,est-e#t
27. 27%
20. 20%
13. 13%
30. 30%
3. 3% 7. 7%
Insurance
Mutual Funds
BondsF
Tax Planning
PPM
Stock Broking
Out of sa"#le unit
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5 * Fact"%s C"#s*e%e ."% I#,est-e#t *# I#su%a#ce Sect"%
>2 of the #eo#le sa! that for the #ur#ose of ta/ sain& the! inest in
Insurance sector. +afet! *as the reason &ien b! another 20 of the #eo#le
.And ? of the #eo#le said that it &ies hi&h return that3s *h! the! inest in
insurance sector.
4
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5** Fact"%s C"#s*e%e F"% I#,est-e#t *# Mutua' .u#s
42 of the #eo#le said that Inestin& in utual Funds Bies hi&h returns.20
of the #eo#le &ies the reason as hi&h li7uidit!.4 of the #eo#le said that
inestin& in utual funds hel#s in ca#ital buildin&, *hile the ne/t 2 #eo#le
&ie the reason as diersification of ris(.
4>
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5*** Fact"%s C"#s*e%e ."% I#,est-e#t ."% Ta2 P'a##*#(
For ta/ Plannin& ?
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5*, Fact"%s C"#s*e%e F"% I#,est*#( I# >"#s
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5, Fact"%s C"#s*e%e F"% I#,est-e#t *# St"c/ >%"/*#(@
Hi&h return *as the reasons &ien b!
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9 Reas"# ". U#0*''*#(#ess ". t$e Pe")'e *# Res)ect O. I#,est-e#t
ig- +isk 23%
ack #/ 5no(ledge 30%
Pre6ious oss 30%
ack #/ Financial Plannings 17%
ig- +isk
ack #/ 5no(ledge
Pre6ious oss
ack #/ Financial Plannings
20 of the #eo#le said that because of the #reious loss the! had suffered the!
are not *illin& to inest. Another 20 of the #eo#le said that that due to lac( of
(no*led&e the! do not inest in arious o#tions. Hi&h ris( *as the reason for
another 12 of the #eo#le, *hile the rest ?the #eo#le said that due to lac( of
financial #lannin& the! do not inest.
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: I#,est-e#t Patte%# ". t$e Pe")'e .%"- t$e*% A##ua' I#c"-e
010203040&0
)vestmet !atte" As !e" The Aua$ )come
20%a8o6e
1&920%
1091&%
&910%
1iacia$ Se"vices
Numbe" of peop$e
Fro" the &ra#h follo*in& *e &et the follo*in& data
Financial +erices Annual inco"e
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?= Pe")'es P%e.e%e#ce ."% I#,est-e#t t$%"u($ C"#su'ta#c*es
&%
3&%
)vestmet Th"ou/h Cosu$tacies
;es
no
Out of the total sa"#le unit of
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1)ND)NGS
6 Fro" the sure! it *as found that "ost of the" are a*are about +hare(han
as a Financial +erice Proider.
16 A"on& all the serices, "ost of the #eo#le *ere a*are about Ta/ Plannin&3s
and least a*areness *as for PP and +toc( Dro(in&, so efforts should be ta(en
accordin&l!.
26As far as the brand a*areness is considered the :ar! to#s the list so, the
co"#anies hae to #ut the e/tra effort on its a*areness, and also the co"#an!
has to ta(e "a/i"u" efforts on buildin& its "ar(etin& strate&!.
46 Accordin& to the res#ondents the 7ualit! of the serice is er! i"#ortant. +o
the co"#an! should #roject itself as a brand in the "ar(et that &ies end user
the best 7ualit! of serice *ith hand! o#erations.
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@6 The "a/i"u" a"ount of a*areness *hich has been &enerated is throu&h
ne*s#a#er and T. +o the co"#an! should ta(e care of it as it can be one of the
#otential "edia for adertise"ents.
6 The "a/i"u" res#ondents *ant to inest in ta/ #lannin& and second
#reference for the "utual fund, so the consultanc! can decide its strate&!
accordin&l!.
06 The consultanc! has to consider the factors for inest"ents of res#ondents,
effectiel! before "a(in& the strate&!.
6 Fro" the sure! it founded that the consultanc! lac(ed in after sales serice
*hich is er! i"#ortant in toda!3s business.
16 =onsultanc! should eli"inate the brand "!o#ia as custo"ers can ju"# on
to their co"#etitors as it is a lucratie "ar(et % eer! #la!er has lot of benefit
to offer to the custo"ers.
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%ECOMMENDAT)ONS
On the basis of the conclusion, there are fe* #oints on *hich =onsultanc!
should "a(e i"#roe"ents.
6 It is i"#ortant for a consultanc! to create a*areness about its financial
serices "ore effectiel!.
16 The custo"ers are e/#ectin& fre7uent and ti"el! corres#ondence fro" the
consultanc! re&ardin& their funds and the "onthl! "ar(et oerie*. Therefore
the or&ani8ation needs to &ie "ore *ei&ht a&e on this concern.
26 The co"#an! should increase the leel of interaction bet*een the custo"er
and the =onsultanc!.
46 The or&ani8ation should focus on deelo#in& lon&;ter" relationshi# *ith the
custo"ers.
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?6 +hare(han should hae =R 5=usto"er Relationshi# ana&e"ent6 *hich
*ill hae a &reater i"#act of the co"#an! in the "inds of the #eo#le.
@6 As the consultanc! is sellin& an intan&ible #roduct, serice #la!s a er!
i"#ortant role in enhancin& the alue of the brand in the "ar(et.
6 The Relationshi# ana&er is the first le& throu&h *hich the custo"ers
interact so it3s er! i"#ortant the consultanc! should hae a hi&hl! efficient
relationshi# "ana&er so that the custo"ers 7uer! &et ans*ered % he or she is
hi&hl! satisfied % feel &ood about the co"#an!.
06 +e"inars should be held for #roidin& infor"ation to #ros#ectie and
#resent custo"ers so that the! feel secure in inestin& their "one! in different
financial #roducts.
For e.&. If a custo"er has infor"ation on deriaties he "a! inest in
deriaties but then he should also be infor"ed that the deriaties are hi&hl!
ris(! se&"ents.
6 +ales #eo#le of the consultanc! should &o for trainin& schedules
#eriodicall! so that the! should be a*are of different financial #roducts *hich
the consultanc! is offerin& and it3s U+P 5Uni7ue +ellin& Pro#osition6.
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CONCL&S)ONS
As "ost of the e/ecuties *ho *ere ta(en as our sa"#le unit *ere fro" "iddle
class or u##er "iddle class, the! hae a decent a"ount of sain&. +o the! are
*illin& to inest in different o#tions onl! if the! are a*are about the #roduct
the! are &ettin& into.
+o it is i"#ortant for the co"#an!, to create a*areness about its
financial serices "ore effectiel!. It is also necessar! for the co"#an! to
beco"e custo"er friendl!, to sole their 7uer! and to #roide infor"ation as
and *hen re7uired.
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L)M)TAT)ONS
6 The sure! and research has been done onl! in Asansol % 9ur&a#ur,
therefore the results sho* the "ar(et #osition of Asansol % 9ur&a#ur
onl!, so results cannot be considered as re#resentaties of *hole India.
16 The #s!cholo&! and te"#era"ent of a res#ondent #la! a si&nificant role.
+o"e res#ondents are "ore sensitie as a&ainst others *ho are "ore
tolerant. A chan&e in the co"#osition of the res#ondent can affect the
ans*ers adersel! or faorabl!.
26 The res#onses of the res#ondent "a! be biased, as the! *ere not true in
ans*erin& the 7uestions.
46 +o"e res#ondents can be the custo"ers of +hare(han *hich can hae a
si&nificant i"#act on their res#onse de#endin& on *hether the! are
satisfied or dissatisfied.
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06 The sa"#le si8e of the res#ondents is er! s"all.
6 The "ethod of sa"#lin& is jud&"ent sa"#lin&.
,),L)OG%A!+0
>0
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A) BOO!S
P%*#c*)'es ". Ma%/et*#(, Phili# :otler % Bar! Ar"stron&, th edition,
Prentice Hall of India Priate i"ites, Ne* 9elhi, 100>
Ec"#"-*cs & Ma#a(e-e#tA s"ut$ As*a# Pe%s)ect*,e, Phili# :otler, :ein
ane :eller, Abraha" :osh!, ithilesh*ar Jha, 2th Edition, Pearson Prentice
Hall, 100
Ma%/et*#( Ma#a(e-e#t P'a##*#( I-)'e-e#tat*"# a# c"#t%"'Blobal
Pers#ectie Indian =onte/t, + Ra"as*a"! % + Na"a(u"ari, 2rd Edition,
ac"illan India i"ited, Ne* 9elhi, 100?
F*#a#c*a' Ma#a(e-#etRajan +a/ena, 2rd Edition, Tata cBra* Hill
Publishin& =o"#an! i"ited, Ne* 9elhi, 100>
Ma%/et*#( & F*#a#c*a' Ma#a(e-e#t2th Edition, + A +herle(ar, Hi"ala!a
Publishin& House, u"bai, 100?
A ('"7a' Ma#a(e%*a' A))%"ac$
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D6 Internet
6 htt#GG***.iciciban(.co"G#fsuserGde"atGde"atho"e.ht"
16 htt#GG***.share(han.co"G+ericesG
26 htt#GG***.E7uit!"aster.co"
46 htt#GG***.one!control.co"
1
http://www.icicibank.com/pfsuser/demat/demathome.htmhttp://www.sharekhan.com/Services/http://www.moneycontrol.com/http://www.webindia123.com/finance/post/mis.htmhttp://nseindia.com/http://www.icicibank.com/pfsuser/demat/demathome.htmhttp://www.sharekhan.com/Services/http://www.moneycontrol.com/http://www.webindia123.com/finance/post/mis.htmhttp://nseindia.com/7/25/2019 Project on Share
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ANNE2&%ES
UESSTIONAIRE
Na"e ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;
Bender ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;
A&e ;;;;;;;;;;
arital +tatus QQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQQ
Occu#ation ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;
=o"#an! ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;
obile no ;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;;
? A%e !"u a0a%e ". a#! ". t$e ."''"0*#( .*#a#c*a' se%,*cesH
a6 Insurance b6 utual Funds c6 Dond3s GF93s d6 +toc( Dro(in&
e6 Ta/ Plannin& f6 Personal Portfolio ana&e"ent &6 None of the
aboe
h6 An! other 5Pl8 s#ecif!6QQQQQQQQQQQQQQQQQQQQQQQQQQ
1 A%e !"u a0a%e ". S$a%e/$a# as F*#a#c*a' Se%,*ce )%",*e%H
a6 es b6 No
6 A%e !"u a0a%e ". a#! ". t$e ."''"0*#( C"#su'ta#c!H
a6 ENA b6 or&an +tanle! c6 I=I=I d6 :ar!
e6 A&ents f6 IN9IADU+ &6 Others 5+#ecif!6 QQQQQQQQQQ
>2
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