chapter4 - annexure

8/13/2019 chapter4 - annexure

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1

CHAPTER- 4

ANALYSIS

&

INTERPRETATION

Do you invest your money to grow ?Investment

Basis Response Percentage

Yes 40 59.7

No 27 40.3Total 67 100

Table no. 1.2

59.7

40.3

Response %

Yes

No

Figure no. 1.2

Interpretation: This pie-chart shows that there are around 40 respondents who are ready to

invest their money with respect to growth. And the rest of them are not ready because of fear

of higher risk etc.


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Where do you prefer to invest your money?Preference of investment


Bank Deposits 20 29.8

Shares 10 14.9

Mutual Funds 7 10.44

Real estate 20 29.8

Insurance Plan 10 14.9

Table 67 100

Table no. 1.3

29.8

14.9

10.44

29.8

14.9

Response %

Bank Deposits

Shares

Mutual Funds

Real Estate

Insurance Plan

Figure no. 1.3

Interpretation: This pie-chart shows that although the Mutual Funds market, insurance plan

is on the rise, yet, the most favored investment continues to be in the bank deposits because

of higher return, real estate because of returns and assured earnings and also shares now a

times, as investment in shares is also being preference of the investor.


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Do you invest in stock market?Invest in stock market


Yes 47 70.1

No 20 29.9

Total 67 100

Table no. 1.4

70.1

29.9

Response %

Yes

No

Figure no. 1.4

Interpretation: As in the above pie chart it is clear from it that majority of the people are

ready to invest in stock market being it their interest in doing trading, for earning returns etc.

so there are approximately 29.9 % people who are not ready to invest in stock market.


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If you invest in stocks , out of following, which intermediating company would yougo For?

Intermediating company


Kotak Securities 10 14.9

Indiabulls 7 10.44

India Infoline 32 47.76

HDFC 10 14.92

Reliance Money 5 7.46

Sharekhan 3 4.47

Total 67 100

Table no. 1.5

14.9

10.44

47.76

14.92

7.46

4.47

Resonse %

Kotak Securities

India bulls

India Infoline

HDFC

Reliance Money

Sharekhan

Figure no. 1.5

Interpretation: In the above it is pretty much clear that maximum respondents will go for

India Infoline then HDFC and kotak and so on. Respondents prefer IIFL as their intermediary

company because of safety, security, higher returns , proper online trading terminal facility.


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Criterias which you look for while investing in stock market ?Criteria for Investment


Benefits 10 14.9

Security 22 32.83

Investment 28 41.79

Others 7 10.44

Total 67 100

Table. No. 1.6

14.9

32.8341.79

10.44

Response %

Benefits

Security

Investment

Others

Figure no. 1.6

Interpretation: As per the overall responses , we get to know the fact that the most of the

respondents while investing in stock market look for investment purpose i.e 41.79 %

respondents have chosen investment , 32.83 % have gone for security and rest prefer for

benefits and other criterias


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Criteria for choosing India Infoline ?Criteria for choosing IIFL


Services 12 17.9

Investment Tips are good 15 22.38

Brokerage 10 14.92

Brand Name 12 17.9

Expertise Knowledge 18 26.86

Total 67 100

Table no. 1.7

17.9

22.38

14.92

17.9

26.86

Response %

Services

Investment Tips are good

Brokerage

Brand name

Expertise Knowledge

Figure no .1.7

Interpretation: This pie chart shows that respondents have chosen expertise knowledge ,

investment tips , then go for services and brand image of the India Infoline . This preference

is chosen because IIFL has huge expertise involved in their company for the investors.


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What is your investment objective ?Investment Objective


Income and capital Preservation 10 14.9

Long term growth 10 14.9

Short term growth 20 29.8

Growth and income 20 29.8

Others 7 10.44

Total 67 100

Table no .1.8

14.9

14.9

29.8

29.8

10.44

Response %

Income and capital

Preservation

Long term growth

Short term growth

Growth and income

Others

Figure no 1.8

Interpretation: The above table and pie chart shows that most of respondents are investing

for the sake of growth and income and also the short term growth , thus around 29.8 %

respondents have chosen this option.


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Are you availing the services of personal financial advisors?Services of personal financial advisors


Yes 33 49.25

No 34 50.74

Total 67 100

Table no. 1.9

49.25

50.74

Response %

Yes

No

Figure no . 1.9

Interpretation: The response for this particular question was some how the same as some

are in favor of having financial advisors because they knew who are they and they will help

them in investing in good option. And some responded no because they are illiterate and

dont know about functions or importance of financial advisors\.


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If yes, what is the major reason for using financial advisors?Reason for using financial advisors


Want help with asset allocation 7 10.44

Dont have time to make my own

investment decision20 29.8

To explain various investment options15 22.38

Want to make sure I am investing enough

to meet my financial goals25 37.3

Total 67 100

Table no. 1.10

10.44

29.8

22.38

37.3

Response %

Want help with asset

allocation

Dont have time to makeinvestment decision

To explain various investm

options

Want to make sure I am

investing enough to meet

financial oals

Figure no. 1.10

Interpretation: The pie chart above showing that one of the major reason of choosing the

financial advisors is they want to sure that they will help the investors in meeting their

financial goals. And rest have chosen the other available options.


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If no, what is the major reason for not using financial advisor?Reason for not using financial advisors


Have access to all resources needed to invest on own 10 14.9

Believe advisors are too expensive17 25.3

Unsure how to find a trustworthy advisor27 40.2

Want to be in control of own investment13 19.4

Total 67 100

Table no .1.11

14.9

25.3

40.2

19.4

Response %

Have access to all resour

needed to invest on ownBelieve advisors are too

expensive

Unsure how to find a

trustworthy advisor

Want to be in control of

own investment

Figure no. 1.11

Interpretation: The above pie chart shows that the most of the respondents doesnt want any

financial advisors because they are sure whether they will be trustworthy or not and most of

the respondents believe that having a financial advisors will be very expensive as it involves

huge % of commission


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At what rate you want your investment to grow ?Rate at which you invest


Steadily 7 10.44

Fast rate 25 37.3

Average Rate 35 52.2

Total 67 100

Table no. 1.12

10.44

37.352.2

Response %

Steadily

Fast rate

Average rate

Figure no . 1.12

Interpretation : During the survey every respondents have responded that they would be

preferring to invest at average rate because of higher risk is involved and where there is

higher return there is higher risk involved in it. The above chart shows that only 10.4 %respondents will go steadily.


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Do you consider Inflation a significant risk while investing in shares ?Inflation affecting investment in shares


Yes 34 50.75 %

No 33 49.25 %

Total 67 100

Table no. 1.13

50.70%

49.25

YES NO

Figure no. 1.13

Interpretation: The response to this particular question was 50.7% as When it comes to

inflation, the question on many investors' minds is: "How will it affect my investments?"

This is an especially important issue for people living on a fixed income, such as

retirees. The impact of inflation on portfolio depends on the type of securities, thus people

who invest only in stocks, worrying about inflation shouldn't keep them up at night. Over

the long run, a company's revenue and earnings should increase at the same pace as inflation.

And around 49.2 % respondents answer no for this question.


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CHAPTER- 5

FINDINGS


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FINDINGS

At the survey conducted upon 67 people, out of which 33 are not interested in shares andrest 34 are ready for equity investment. So there is enough scope for the advisors to

convert those participants into investors through their convincing power and great

communication skills.

Now, when those 33 people were asked about the reason of not investing in equity orstock market, then most of the people answered that they found higher risk and less

secured. They lacked knowledge and information about the equity & stocks. Whereas 10

people enjoyed investing in other option. For 11 people, the benefits arousing from these

investments were not enough to drive them for investment in Equities and 11 people

expressed no trust over the fund managers decision. Again the financial advisors can tap

upon these people by educating them about mutual funds.

Overall % of respondents who already have invested in equity or stock market areinterested to invest are as follows only 14.9% have sound knowledge of Equity/Stocks,

29.8 % people are aware of only the schemes in which they have invested like real estate

and insurance plan. When asked about the most alluring feature of Equity or Stock, most

of them opted for diversification, followed by reduction in risk, helps in achieving long

term goals and helps in achieving long term goals respectively.

Most of the investor preferred to invest at a young unmarried stage. Even 24% personswere ready to invest at a stage of young married with children but person with older

children avoid investing due to increased expenses. But again the number rose to 19% at

pre-retirement stage.

40 were already availing the services of financial advisors whereas 37 didnt. Whenasked about the expertise of financial advisors which they liked most? 40 of them

favored portfolio review and investment recommendation, followed by planning to

achieve long term goals, managing assets in retirement and access to specialists in area

such as tax planning.

When it comes to inflation, the question on many investors' minds is: "How will it affectmy investments?" This is an especially important issue for people living on a fixed


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income, such as retirees. The impact of inflation on portfolio depends on the type of

securities, thus people who invest only in stocks, worrying about inflation shouldn't keep

them up at night. Over the long run, a company's revenue and earnings should increase at

the same pace as inflation. And around 49.2 % respondents answer no for this question.

During the survey every respondents have responded that they would be preferring toinvest at average rate because of higher risk is involved and where there is higher return

there is higher risk involved in it. The above chart shows that only 10.4 % respondents

will go steadily.


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CHAPTER- 6

RECOMMENDATIONS

& CONCLUSIONS


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CHAPTER- 6

RECOMMENDATIONS

& CONCLUSIONS

RECOMMENDATIONS:

Induction Programs must be held for the sales teams before letting them go into the field.In these induction classes the experienced sales staff employees should share their

valuable live experiences and knowledge, which they have experienced while in field.

Weekly magazines must be published and distributed to the investors that can help themfor making better investments.

Sales team must be fully equipped with latest technology such as using Laptop that canbe used for making presentation to the customers especially to the corporate clients about

their product and services provided by them.

Make your site user friendly so that more and more people know about trading and do thesame also.

Advertisement through Canopy, help to generate leads.

Company should advertise with a concern that has a brand name in the market.

The company should be more aggressive toward its existing clients feedback and fortheir services after giving them products because it can increase the companys loyalty as

well its brand name.

The company should offer demonstration for online share trading and other seminars forthe cultivation of knowledge to the customers.

The Company should increase Exposure. It is the good tool to capture the market. Need to create awareness about the brand and Can attract more clients by providing free

tips to them. Need to create awareness among investors and More efforts towards

personalized services.

Financial results of the company should be provided to investors. Their should be somedecentralization.


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CONCUSIONS :

India Infoline Provided me the opportunity for doing training program in the organizationas management trainee. While doing my sip in the reputed broking firm India infoline,had got a chance for knowing and analyzing the share market and also come to know that

why financial advisors are important for the one who want to invest their money in

equity. We come to know about the business environment and business ethics of the

business world. Also came to know about what does a firm or an organization require or

wants from a employee or a trainee. From the survey, found that India infoline is in the

top three position in the share market.

From the above survey and observation it was found that most of the people who aretrading in share market belongs to the business group, next comes the employees and

other class of income people. As the share market value goes on increasing day by day

the investor who wants to invest in shares also increasing. But investing in shares is as

risky as earning yield

The young people should start investing earlier so that they can reap the benefits ofinvesting in future. People should keep their eye open and keep updating themselves

about various investment avenues so that they can get safe returns.

From this study we have also understand the point of view of the investors to invest theirmoney with the right company at the right time.


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Bibliography

Books:

Khan & Jain, Financial Management, 3rd

Revised Edition , 2007 , New Age International(P) Limited Publishers, New Delhi

NCFM (Study material) Kothari, C.R.: Research methodology, 3rd edition, 1997, Vikas Publishing House Pvt.

Ltd, New Delhi,

Newspapers & journals :

The Economic Times Business Standard Daily Research Report of India Infoline- Market Mantra

Websites:

http://www.indiainfoline.com/Aboutus/ http://www.5paisa.com/feat.html http://www.moneycontrol.com/stocksmarketsindia/ http://economictimes.indiatimes.com/markets http://www.bseindia.com/static/about/introduction.aspx?expandable=0 http://www.nseindia.com/global/content/about_us/about_us.htm
http://www.indiainfoline.com/Aboutus/http://www.5paisa.com/feat.htmlhttp://www.moneycontrol.com/stocksmarketsindia/http://economictimes.indiatimes.com/marketshttp://www.bseindia.com/static/about/introduction.aspx?expandable=0http://www.nseindia.com/global/content/about_us/about_us.htmhttp://www.nseindia.com/global/content/about_us/about_us.htmhttp://www.bseindia.com/static/about/introduction.aspx?expandable=0http://economictimes.indiatimes.com/marketshttp://www.moneycontrol.com/stocksmarketsindia/http://www.5paisa.com/feat.htmlhttp://www.indiainfoline.com/Aboutus/


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ANNEXURE-1

PERSONAL DETAILS : (Personal Details will be kept highly confidential, these details

will not be revealed to any third party)

Name : ---------------------------------

Age Group :

Below 20 20- 40 yrs Above 40

Gender :

Male Female

Occupation:

Service Business Profession Student

Income (Per Month) :

Less than 20000 20000-40000 Above 40000

Qualification:

Metric Graduate Under Graduate Post Graduate

SURVEY QUESTIONNAIREQ1. Do you invest your money to grow ?

Yes No

Q2. Where do you prefer to invest your money?

Bank DepositsSharesMutual FundsReal estateInsurance Plans


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Q3. Do you invest in stock market?

Yes No

Q4. If yes, out of following, which intermediating company would you go For?

Kotak Securities India bulls India Infoline HDFC Reliance money Share khan

Q5. What are the criterias which you look for while investing in stock market ?

benefits security investment Others, Please specify

Q6. On What basis of criteria you will be choosing India Infoline ?

Services Investment Tips are good Brokerage Brand Name Expertise Knowledge


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Q7. What is your investment objective ?

Income and capital Preservation Long term growth Short term growth Growth and income Others

Q8. Are you availing the services of personal financial advisors?

Yes No

Q9. If yes, what is the major reason for using financial advisors?

Want help with asset allocation Dont have time to make my own investment decision To explain various investment options Want to make sure I am investing enough to meet my financial goals

Q10. If no, what is the major reason for not using financial advisor?

Have access to all resources needed to invest on own Believe advisors are too expensive Unsure how to find a trustworthy advisor Want to be in control of own investment

Q11. At what rate you want your investment to grow ?

Steadily fast rate Average rate


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Q12. Do you consider Inflation a significant risk while investing in shares ?

Yes No

Q13. What is the most important service parameter that you look for while trading.

Information Speed Quality Other

Any recommendation / Suggestion

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chapter4 - annexure