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MBA (Semester-III)
Student’s Declaration
I hereby declare that the Summer Internship Project Report titled “Investment
awareness survey” is a result of my own work and my indebtedness to other
work publications, references, if any, have been duly acknowledged. If I am
found guilty of copying from any other report or published information and
showing as my original work, or extending plagiarism limit, I understand that I
shall be liable and punishable by the university, which may include ‘Fail’ in
examination or any other punishment that university may decide.
Signature
Place: Ahmedabad
Date: 3rd August 2018
Date : / /
Institute Certificate
“This is to certify that this Summer Internship Project Report Titled
“……………………………………………………………………………………………………………
………….”
is the bonafide work of ________________________, Enrolment No.:
________________, who has carried out his / her project under my supervision.
I also certify further, that to the best of my knowledge the work reported
herein does not form part of any other project report or dissertation on the
basis of which a degree or award was conferred on an earlier occasion on
this or any other candidate. I have also checked the plagiarism extent of
this report which is ……… % and it is below the prescribed limit of 30%.
The separate plagiarism report in the form of html /pdf file is enclosed
with this.
In today’s cut throat competition MBAs are sure to have an edge over their
counterparts. During the MBA program students come in direct contact with the corporate
world through industrial training. The MBA program provides its students theoretical as well
as practical knowledge which apply in various managerial activities.
This study is aiming the total market of Investment awareness regarding stock broker.
The study helps the awareness of people regarding awareness.
As MBA student, I have taken training at Beeline Broking Limited. Ltd from
Ahmedabad.
Acknowledge
First & foremost, we thank the almighty god bestowing with the good health &
confidence to complete the project on time.
We would like to express our hearty gratitude Prof.Dipnati Joshi for introducing us to the
Company Beeline Broking limited.
We whole heartedly record our sincere gratitude to our External guide Ms. Vidhi Bhatt
for guiding us on the research aspects of the thesis.
We are extremely thankful to our internal guide Prof.Dipanti Joshi for guiding us in
whole project work & also help in a practical sampling techniques of questionnaire
survey method.
TABLE OF CONTENTS
Chapters Sub No. Particulars Page No.
CHAPTER – 1 INTRODUCTION
2.3 Products
CHAPTER – 4 REASERCH
METHODOLOGY
4.3 Objective
CHAPTER – 7 CONCLUSION
CHAPTER – 8 BIBLIOGRAPHY
* ANNEXURE
ANNEXURE-
QUESTIONNAIRE
Overview of industry
Broking Industry in world
During the eleventh century the earliest brokerage firm established in London coffee houses
and very variety to purchase stock organization. They are founded the London stock
exchange in 1801 and also provide the membership. So, after all copied to all country and
create the image for his brand name. Soon, the U.S exchange was moved on to New York
city and various firms has been established. Example- Morgan Stanley and Merrill Lynch
were created to broking of stocks and securities.
During the 1900s , stock brokerage firms began to move in a direction of market. So , after all
there are hugged market in exchanges. Regulators have enforces a system called Chinese
walls to prevent communication between different department within the brokerage the
company. This has resulted in increased profits and greater interconnection within the
financial industry.
All over Responsibility handle in SEBI (security &Exchange Board of India , which was
formed in1992 as an independent authority, SEBI rules and regulation follow the BSE and
NSE . It enjoys vast powers of imposing penalties on market participate in case of a breach.
Almost all the significant firms of india are listed on both exchange. Equity spot markets
follow T+2 settlement. This means Monday to Wednesday. All trading stock broker timing
9:55 to 3:30 pm . and the market on Monday to Friday and Saturday and Sunday closed
market. Sometimes T+5 is also settlement. This are use in Delivery market.
The two represent about market indexes are Srensex and Nifty . Sensex is oldest market for
equities. It is included 30 firms listed on BSE. Which represent about 45% market
capitalization. This established in 1979, onwars.
Another index is the Nifty. It included 50 shares in listed on the NSE , Which represent about
62% of its free-float market capitalization.This established in 1990, onward.
Current scenario of market
India has approximately 1 crore Demat accounts. And country population 125+ crore people.
It means 1% market use broking firm. We can assume that 1 crore Demat account. It means
some family have 2 accounts or more than 2 accounts. So , we can see that 50-60 lakh invest
in share market. Why have the brokers not increasing like population? It is reason behind the
policy and others. Because some people like to invest in policy and some people like ton
other. So , easy to say that this is reason behind low demat account.
That logically see that Indian exchange ( NSE and BSE) is not top 15 world wild exchange,
why are our brokers not able to faced Indian brokers? What is preventing them from
increasing the number of Demat accounts and share ownership?
So, we will see that key challenges faced by Indian broking Industry: -
Lower margin in Broking. There are many competitions in india. There are provides Full
services broking , Discount broking brokers and Foreign Banks. So , all brokers provide the
low margin in broking. Because of competition is high. So , this is faced by Indian broking
Industry.
Lower Retailer Investors participate. It means Retailer is not easy to going the share market.
Because of the everyone goal of the purchase in Gold and Land. So , there are invest in gold
and Land. Because there are thinking about the future.
Increasing costs and Additional Investment.. Stock market are always walk in new market. So
, people want to something new for company side. So , there are lots of capital and AMC is
important. So It is very expensive . and also maintains charge be extra. So , this is faced by
Indian broking firms
World Level
Competition
The industry is a very increasing market. The brokerage industry is very cyclical
and impacted by activities levels in the market.
During the year of 2008-2009 periods, the smaller players is hugged out of the
business.
As the result there is many competitions in market and provide the same services
for customers satisfaction.
Barriers to entry
A new entrant coming in the market. So first need a reasonable and affordable
services provides by clients and also capital to the fund working required in the
business.
The scale Required are increasing day by day constantly and a new entrant will
require high level of investment and something new for client attractive
product. So they stay in market another there are close in the services.
So this are important point in barriers to entry in market
Threat of substitutes
The product offered by all firms in this industry are more or less differentiation. Investing rather
saving in the bank rather than investing in a brokerage firm can be one option; else this is not
applicable for this industry.
In a summary there industry has a reasonable to low level of competitive advantages. There is
low level of customer lock in & customers will move his or her business if the brokerage rates
are not competitive with rest of the industry. The only competitive advantages for companies
in this sector come from size & scale which enables them to leverage their size to reduce
average costs & thus make a profit & low brokerage margins.
In addition to high fixed costs, the industry has very low margin cost. As a result the cost of
addition customers is low & per transaction costs are limited. Due to this reason, we are seeing
a constant pressure on the brokerage rates has intensified the competition in the industry & is
resulting in consolidation with the top players.
Company History
Company History
Beeline Vision is next 2 to 3 years company ranking top 5 positions.Company will try more
than 2 times customers increasing within 3 years.and company try to easy to investors
trading.so there are improve trading platform day by day…
Company Mission
Company try to total satisfaction for customers. And employees aim to provide to customers
with the most modern training., that utilises the online and throught their call center. Company
try to best services provide the customers and their goal are customers incresing value added
in investment of their company. And also maintain the customers account and give best after
sale services.
SWOT analysis
Strength
Company strong decision that have help you take a jump from passive client to
successful trader technical & fundamental analysis.
Now a day Indian stock broker doing daily mailers on market recommendation. Digital
market is good option to online trading facilities provide by company and provide learn
more market for regarding investment.
Company certified financial adviser’s help you make the right investment decisions.
Weakness
Indians People are mostly preferring investing in gold. Sometimes some reason behind
people not doing investment in share market. Example- lake of knowledge, lake of
Time, lake of benefits and other many factors affected in share market. The weak point
of Indian stock broker is high risk. It is a kind of gambling where no guarantee of return
& some time it depends on luck.
Opportunity
Now a day high purchasing power increasing and people looking to more investment
opportunity.
Day by day growing rural market and also aware about share market.
This are good opportunity for urban youth earning.
Threats
o Stringent Economic measures by Government & RBI.
o Entry of foreign finance firms in Indian Market.
Organisation hierarchy
Name POST
Mr. Vanesh Panchal Director
Mr. Pradeep sandhir Chairman
Ms. Vidhi Marketing Department Manager
Ms. Deepa Marketing Department Manager
Mr. Ch&ramauli IT Department Manager
Mr. Hemendra Finance Department Manager
Mr. Dhruvit Parmar Dealer
Product offered By beeline
Days are gone when you call your share broker every time you want to buy or sell shares. With
our online trading platform, you can trade in equity, commodity & currency with lowest
brokerage charges. In addition making payment, requesting pay-outs, margin enhancement can
be done on real time basis.
SME IPO
Company provide SME IPO for the average client. So , every one affordable price . and every
company not provide SME IPO. So , this is good for the company.
Insurance
Investors are quite used to the idea of their shares & mutual funds being in the dematerialised
form. The experience has been wonderful & no longer does one have to worry about reams &
reams of physical documents. Considering the success of the dematerialisation of shares, IRDA
the insurance regulator came up with the initiative of maintaining insurance policies in demat
form.
Currency
As long as there is global trade there will be global capital flows & countries will encroach into
each other’s currencies. This necessitates the need for a vibrant currency market much like
there is a commodity market. The currency futures market is a derivative of movement of
exchange rate & interest rates.
Commodity
Beeline provide also commodity facility. so,it is good for the company. There is two type of
commodity provide.
(1) NCX
(2) MCDX
Literature Review
Title: Investment Awareness survey
Sikidar & Singh (1996) carried out a survey with an object to underst & the behavioral aspects
of investors of the north eastern region towards investment & portfolio. The survey had
revealed that the salaried & self-employed has formed the major investments in investment due
to tax concessions benefits align investment due to tax concessions benefits align towards it.
Kumar Singh (2006) has analyze the investment pattern of investors in Bangalore city
&Bhubaneswar, the analysis of the research was undertaken with the help of survey method. It
has been concluded that in Bangalore investors are more & more aware about various
investment options available & the risk associated towards it.. & in Bhubaneswar, investors are
more of conservativenature type & also they prefer to invest in only those avenues where the
risk associated is less like bank deposits, small savings, post office savings etc.
Shanmugham (1990) examined the factors affecting investment decision & found that the
investors are high risk takers. The investors possessed adequate knowledge of government
regulations, monetary & fiscal policy.
Gupta L C (1992) attempted a household survey of investors with the objective of identifying
investors’ preferences for mutual funds so as to help policy makers & mutual funds in designing
mutual fund products & in shaping the mutual fund industry.
Chaturvedi Meenakshi & Khare Shruti (2012) studied the Saving Pattern & Investment
Preferences of Individual Household in India found out that most investors preferred Bank
Deposit as the first choice of investment & next to bank deposits small saving schemes
constitutes the second choice of investment.
Sushant Nagpal & B. S. Bodla june 2009 on impact of investors’ lifestyle on their investment
pattern: an empirical study states that the modern investor is a mature & adequately groomed
person. Occasions of blind investments are scarce, as a majority of investors are found to be
using some source & reference groups for taking decisions.
Gordon J. Alex&er, Jonathan D. Jones & Peter J. Nigro (1997) analyzed the various
characteristics & investment knowledge of investors & found that the investors are
knowledgeable about costs, risk & returns associated with equity.
Ranjani Komal Srinivasan, Anjali Vivek Chopra (2011) concluded that the respondents
showed significant awareness in matters concerning investment & personal financial planning.
Contrary to popular perception, the sample population showed awareness about financial
planning & willingness to take investment decisions relating to personal finance. However, in
the area of retirement planning,
Rao (2011) conducted study on “Analysis of individual investor behaviour ”. In this study
author presents equity investor awareness & adoption of different schemes with educational
level. The research findings showed that with increased level of education is linked with greater
risk tolerance.
Kousalya P R & Gurusamy P (2012) observed in their study on “Investment awareness “ that
there is no significant relationship between age of the women investors & level of awareness
on investment. They have also concluded that the educational level of women investors does
not influence the level of awareness.
Research methodology
Objectives
Primary Objective
Secondary Objective
Research Design
Descriptive research design have used because data provide opportunities to underst&
awareness of the customers.
Sampling Design
Target population
Sampling Method
Data collection
The data collected is of the primary. The primary was collected the
questionnaire study
Scope of study
To gain accurate results for the study, 100 people were given questionnaire to
know how many people have interest in share market. So it is know about the
customer perception on share market.
Limitation of Research
First off all we are study in only 100 person. So , we can see that perception of people
are limited.
So, we can see that sometimes data is not trusted. So, It is not fair.
Sometimes people are not given right data. So , this is reason behind limitation of
reason.
Gender
Gender Percentage
Male 76
Female 26
Interpretation
The Disribution of awareness on the Basis of the Gender, that is the Male(76%) and
Female (24%). So, as per awareness of investment survey that most of awareness are
the male as compare to female .
Age
Particular Percentage
20-30 80
30-50 17
50 or above 3
Total 100
Interpretation
The Distribution of customers on the basis of the age, in that customers who have age
between 20-30 (80%) years and customers who have age between 30-50 are (17%) .
and 50 or above age group between(3%). So, as per customers survey that most of
customers are from 20-30 years.
Occupation
Occupation
Frequency Percent Valid Percent Cumulative
Percent
Student 44 44.0 44.0 44.0
Government organization 7 7.0 7.0 51.0
Interpretation
The Distribution of customers on the Basis of the Occupation, Students are (44%) and
customers who have government organization are (7%) , private companies are (22%), Self
employed are (27%). So , as per survey that most of people have student and self employed.
Education
Education
Frequency Percent Valid Percent Cumulative
Percent
Non matric 1 1.0 1.0 1.0
std X/XII 12 12.0 12.0 13.0
Graduate 52 52.0 52.0 65.0
Interpretation
monitor_your_investment
Frequency Percent Valid Percent Cumulative
Percent
Daily 8 8.0 8.0 8.0
Fortnightly 16 16.0 16.0 24.0
Monthly 54 54.0 54.0 78.0
Valid
Occasionally 9 9.0 9.0 87.0
Only IPO 13 13.0 13.0 100.0
Interpretation
The Distribution of customers on the Basis of the often monitor investment fortnightly (16%)
, Daily(8%), Monthly(54%) , Occasionally(9%), Only IPO(13%).So , as per survey that most
of people have doing Monthly .
Percentage_of_income_for_investment
Frequency Percent Valid Percent Cumulative
Percent
0-15% 65 65.0 65.0 65.0
Interpretation
The Distribution of people on the basis of the percentage of income for investment, in that
people who have invest 0-15% investment between(65%), and 0-30% investment
between(35%).
Interpretation
The Distribution of people on the basis of the percentage of past year investment, in that
people who have invest 1-5 years(71) , 5-10 years(25) and 10 years above(4).
T-Test
H0: There is no significant difference between male and female regarding sectors.
H1: There is significant difference between male and female regarding sectors.
Group Statistics
F Sig. T df
Lower
Equal variances assumed .567 -.07415 .12921 -.33057
Upper
Interpretation
From this T-test method, we should know significant value is 0.013. That
means 0.013 is less than 0.05.so, we reject Null Hypothesis & accept
Alternative Hypothesis .That means There is significant difference between
male and female regarding Sector invest in share market.
One-way
Descriptives
Sector
Minimum Maximum
ANOVA
Sector
Total 31.586 99
Means Plots
Interpretation
Reliability Statistics
.821 4
Interpretation
As we can see from the above table the data is reliable because the value is
more than 0.05. so, the collected data reliable.\
Finding
• We can see that male is more than female about the investment.
• We talk about the age. So , age is 20-30 is high compare to another age. There are
more aware about the stock market.
• We talk about education. Most of Graduate and post- graduate people is more aware
about share market.
• We can talk about the Occupation . Most of student and self-employed aware about
the share market and another person semi aware about the share market.
• Most of people last 1-5 years 71% doing investment. Because share market is now a
day more increasing.
• We can see that information about income percentage use in investment. So, we can
see that 0-15% people doing 65%. And another people doing the 35%.
• From this ANOVA test method , we should know significant value is 0.01. That
means 0.01 is less than 0.05. So, we reject Null Hypothesis & accept Alternative
hypothesis. That means there are signification difference amongst various sector
regarding education.
• So, we can see that Non-matric and std X/XII people are agree with all sector.
Graduate people are strongly agree and agree between take decisions. Post-Graduate
people are almost agree about the sector. Doctorate people are agree and neutral and
other between take decision.
Suggestion
From our study regarding of investment awareness survey of Ahmadabad city is very
important for understand their perception regarding investment.so, company have try
to customer regarding questionnaire. So company know about identify the problem.
Company should be more efficiency work provide. Because sometimes customers
services after sale very badly. So company should maintain it.
Company’s response towards customers affect their purchase decision, so company
should try to maintain and improve their effective interaction with customers.
The company should concentrate on more aggressive advertisement to promote their
services.
Company should something new offer provide by customers. Because broking
company many in market. But customers give attractive Offred. so, there are thinking
about investment your company.
Some people have no knowledge regarding some offered provide by company. And it
is benefits of your works. So , company doing seminar for customer so there are
understand the product. And it is also benefits of company.
Conclusion
Further to the study, Investment awareness does not only help in increasing the
investment but also help in investors being prudent enough to understand fraudulent
and/or risky nature of some investment avenues. As the research population spends
more of their time with computers and internet, digitalization of awareness programs
can help spread more awareness. Study concluded that the investors have a fair level
of awareness towards investment and external mediums needs to take additional step
to get this fair level of awareness to high level
Investment awareness survey is help of the understand the person behaviour regarding
investment. So , it is helpful industry. India scenario now a day huge market of share
market. This is opportunity of the earning some extra money . so , people have a
different dreams will complete in earning money. So , It is cyclical process. The
above study we can see that global market is very good better than India.
So, we can see that many sector in india. Example- Auto-mobile , Telecom and etc..
so , People have a different things of investment. So , It is work sometimes luck. So,
sometimes people have a huge lose in market. So, all are thing share market is good
but we can identify the which share profitable. It is depend on company’s history.
` BIBLIOGRAPHY
http://www.beelinebroking.com/
http://www.topsharebrokers.com/discount/beeline-review/
http://shodhganga.inflibnet.ac.in/bitstream/10603/33046/12/12_chapter%202.pdf
http://shodhganga.inflibnet.ac.in/bitstream/10603/274/9/09_chapter%203.pdf
http://shodhganga.inflibnet.ac.in/bitstream/10603/274/9/09_chapter%203.pdf
https://www.investopedia.com/articles/fundamental-analysis/11/using-porters-5-forces-for-
stock-analysis.asp
http://www.angelbroking.com/
https://www.karvy.com/online-trading
https://www.kotaksecurities.com/
https://onlinelibrary.wiley.com/doi/abs/10.1111/j.1540-5915.1972.tb00535.x
QUESTIONNAIRE
Name __________________________________________
Email id__________________________________________
20-30
30-50
Above 50
2. Gender
Male Female
3. Education
Non Matric
Std X/XII
Graduate
Post Graduate
Docorate
other
4. Occupation
Student
Government Organization
Private Companies
Self Employed
Retired
Daily
Fortnightly
Monthly
Occasionally
Only IPO
0-15
15-30
30-50
14. Past how many years you are investing in share market?
1-5 Years
5-10 Years
Above 10 Years
15. Listed Company Shares which you own are listed on?
NSE
BSE
Others Exchange
16. The Stock Broker through which you invest in Share Market?
Karvy
Geogit BNP Paribas
Sharekhan
Motilal Oswal securities
Beeline broking limited
JRG Securities
Others
Yes
No
19. Are you advising your friends & relative to invest in Share Market?
Yes
No