Karvyyyyyy

Executive Summary
Karvy is a stock Broking Company that deals in shares. Apart from security broking Karvy is in to Mutual Fund & Demat, Insurance Service. It offers a wide range of financial services in order to meet different individuals financial planning. In the present scenario the service industry has given an utmost importance of doing a particular task at a fastest time in order to satisfy the customer and to attract new customer. In this project we can find out the customer of Karvy stock brocking have satisfied with equity trading service. The project emphasizes on A Study and analysis of investors behavior towards investing in stock market.
Research Methodology:
Data source: Primary Data: Through Questionnaire, Interviews. Secondary Data: Karvys Record & Report, Magazine & Websites. Sample size: 100 customers. Area Covered for research: Only in Bijapur city. Sampling Procedure: Random sampling method.
1 A.S.Patil college of commerce IBM, Bijapur
DATA COLLECTION METHOD:
1. PRIMARY DATA: This nature of project primary data is collected through by making survey, which is systematic collection of information directly from the respondents (Questionnaire) and from Karvy employees. 2. SECOUNDARY DATA: This is been is collected through KARVYS RECORDS & REPORT, MAGAZINE & WEBSITES.
STATEMENT OF THE PROBLEM:

KARVY STOCK BROKING Ltd is providing the stock broking service. Hence in this report an attempt is made to A Study and analysis of investors behavior towards investing in stock market in Bijapur City.
PURPOSE OF THE STUDY: To find out the level of customer satisfaction towards stock broking. To know the investment pattern of investors of financial security. To study the investor perception towards stock market. To study the investors behavior. To know about where the investors are investing there earnings. To determine the awareness level of investors. For what purpose investors are investing their savings. How much amount of savings the investors are investing. To study about profile of individual investors.
COMPANY PROFILE
INTRODUCTION
KARVY, is a premier integrated financial services provider, and ranked among the top five in the country in all its business segments, services over 16 million individual investors in various capacities, and provides investor services to over 300 corporate, comprising the who is who of Corporate India. KARVY covers the entire spectrum of financial services such as Stock broking, Depository Participants, Distribution of financial products - mutual funds, bonds, fixed deposit, equities, Insurance Broking, Commodities Broking, Personal Finance Advisory Services, Merchant Banking & Corporate Finance, placement of equity, IPOs, among others. Karvy has a professional management team and ranks among the best in technology, operations and research of various industrial segments.
EARLY DAYS OF KARVY

The birth of Karvy was on a 1981. It began with the vision and enterprise of a small group of practicing Chartered Accountants who founded the flagship company Karvy Consultants Limited. They started with consulting and financial accounting automation, and carved inroads into the field of registry and share accounting by 1985. Since then, they have utilized their experience and superlative expertise to go from strength to strengthto better their services, to provide new ones, to innovate, diversify and in the process, evolved Karvy as one of Indias premier integrated financial service enterprise.
Thus over the last 20 years Karvy has traveled the success route, towards building a reputation as an integrated financial services provider, offering a wide spectrum of services. And they have made this journey by taking the route of quality service, path breaking innovations in service, versatility in service and finally totality in service.
Their highly qualified manpower,
cutting-edge technology,
comprehensive
infrastructure and total customer-focus has secured for us the position of an emerging financial services giant enjoying the confidence and support of an enviable clientele across diverse fields in the financial world.
Their values and vision of attaining total competence in their servicing has served as the building block for creating a great financial enterprise, which stands solid on their fortresses of financial strength - their various companies.
With the experience of years of holistic financial servicing behind us and years of complete expertise in the industry to look forward to, they have now emerged as a premier integrated financial services provider. And today, they can look with pride at the fruits of their mastery and experience comprehensive financial services that are competently segregated to service and manage a diverse range of customer requirements.
MILE STONES OF KARVY
ORGANISATION CHART
Managing Director
Chief Managing Director
Vice-President
Vice-President
Vice-President
Vice-President
Karvy Stock Broking Ltd.
Karvy Consultants Ltd.
Karvy Investors ServicesLtd.
Karvy Securities Ltd.
Deputy General
Deputy General
Deputy General
Deputy General
Senior Manager
Senior Manager
Senior Manager
Senior Manager
Branch Manager
N number of Team Leaders
N number of Executives 7 A.S.Patil college of commerce IBM, Bijapur
Board of director
Karvy Stock Broking Limited Mr. C Parthasarathy Mr. M Yugandhar Mr. M S Ramakrishna Mr. Akash Mehta Mr. Peter Wing Hung So
Key Personnel at Head office

G Gopalakrishnam achryulu V Ganesh V Mahesh K Sridhar S Gopichand J Ramaswamy M S Manohar S Ganapathy Subramanian T R Prashant Kumar Ashok K Mittal Air Commodore (Retd) R Raghuram, VSM Customer Support - mailmanager@karvy.com
KARVY Clients - ITS Focus

Clients are the reason for their being. Personalized service, professional care; proactiveness are the values that help us nurture enduring relationships with their clients. Respect for the individual Each and every individual is an essential building block of their organization.
They are the kiln that hones individuals to perfection. Be they their employees, shareholders or investors. They do so by upholding their dignity & pride, inculcating trust and achieving a sensitive balance of their professional and personal lives.
TEAMWORK
None of us is more important than all of us. Each team member is the face of Karvy. Together they offer diverse services with speed, accuracy and quality to deliver only one product: excellence. Transparency, cooperation, invaluable an individual contribution for a collective goal, and respecting individual uniqueness within a corporate whole, is how they deliver again and again.
RESPONSIBLE CITIZENSHIP
A social balance sheet is as rewarding as a business one. As a responsible corporate citizen, their duty is to foster a better environment in the society where they live and work. Abiding by its norms, and behaving responsibly towards the environment, are some of their growing initiatives towards realizing it.
INTEGRITY
Everything else is secondary. Professional and personal ethics are their bedrock. They take pride in an environment that enctheirages honesty and the opportunity to learn from failures than camouflage them. They insist on consistency between works and actions.
QUALITY POLICY
To achieve and retain leadership, Karvy shall aim for complete customer satisfaction, by combining its human and technological esthetics, to provide superior quality financial services. In the process, Karvy will strive to exceed Customer's expectations.
QUALITY OBJECTIVES
As per the Quality Policy, Karvy will: Build in-house processes that will ensure transparent and harmonious relationships with its clients and investors to provide high quality of services. Establish a partner relationship with its investor service agents and vendors that will help in keeping up its commitments to the customers. Provide high quality of work life for all its employees and equip them with adequate knowledge & skills so as to respond to customer's needs. Continue to uphold the values of honesty & integrity and strive to establish unparalleled standards in business ethics. Use state-of-the art information technology in developing new and innovative financial products and services to meet the changing needs of investors and clients. Strive to be a reliable sthenic of value-added financial products and services and constantly guide the individuals and institutions in making a judicious choice of same. Strive to keep all stake-holders (shareholders, clients, investors, employees, suppliers and regulatory authorities) proud and satisfied.
KARVY ALLIANCE
Karvy Computershare Private Limited is a 50:50 joint venture of Karvy Consultants Limited and Computershare Limited, Australia. Computereshare Limited is world's largest -and only global -- share registry, and a leading financial market services provider to the global securities industry.
The joint venture with Computershare, reckoned as the largest registrar in the world, servicing over 60 million shareholder accounts for over 7,000 corporations across eleven countries spread across five continents. Computershare manages more than 70 million shareholder accounts for over 13,000 corporations around the world.
Karvy Computershare Private Limited, today, is India's largest Registrar and Share Transfer Agent servicing over 300 corporate and mutual funds and 16 million investors.
KARVY CONSULTANTS LIMITED

As the flagship company of the Karvy Group, Karvy Consultants Limited has always remained at the helm of organizational affairs, pioneering business policies, work ethic and channels of progress.
Having emerged as a leader in the registry business, the first of the businesses that they ventured into, they have now transferred this business into a joint venture with Computershare Limited of Australia, the worlds largest registrar. With the advent of depositories in the Indian capital market and the relationships that they have created in the registry business, they believe that they were best positioned to venture into this activity as a Depository Participant. They were one of the early entrants registered as Depository Participant with NSDL (National Securities Depository Limited), the first Depository in the country and then with CDSL (Central Depository Services Limited). Today, they service over 6 lakhs customer accounts in this business spread across over 250 cities/towns in India and are ranked amongst the largest Depository Participants in the country. With a growing secondary market presence, they have transferred this business to Karvy Stock Broking Limited (KSBL), their associate and a member of NSE, BSE and HSE.
KARVY STOCK BROKING LIMITED

Karvy Stock Broking Limited, one of the cornerstones of the Karvy edifice, flows freely towards attaining diverse goals of the customer through varied services. Helping the customer create waves in his portfolio and empowering the investor completely is the ultimate goal.
Member - National Stock Exchange (NSE), the Bombay Stock Exchange (BSE), and the Hyderabad Stock Exchange (HSE).
Stock Broking Services It is an undisputed fact that the stock market is unpredictable and yet enjoys a high success rate as a wealth management and wealth accumulation option. The difference between unpredictability and a safety anchor in the market is provided by in-depth knowledge of market functioning and changing trends, planning with foresight and choosing options with care. This is what they provide in their Stock Broking services. They offer services that are beyond just a medium for buying and selling stocks and shares. Instead they provide services which are multi dimensional and multi-focused in their scope. They offer trading on a vast platform; National Stock Exchange, Bombay Stock Exchange and Hyderabad Stock Exchange. More importantly, they make trading safe to the maximum possible extent, by accounting for several risk factors and planning accordingly. They are assisted in this task by their in-depth research, constant feedback and sound advisory facilities. Their highly skilled research team, comprising of technical analysts as well as fundamental specialists, secure result-oriented information on market trends, market analysis and market predictions.
This crucial information is given as a constant feedback to their customers, through daily reports delivered thrice daily; The Pre-session Report, where market scenario for the day is predicted, The Mid-session Report, timed to arrive during lunch break, where the market forecast for the rest of the day is given and The Post-session Report, the final report for the day, where the market and the report itself is reviewed. To add to this repository of information, they publish a monthly magazine The Finapolis which analyzes the latest stock market trends and takes a close look at the various investment options, and products available in the market, while a weekly report, called Karvy Bazaar Baatein, keeps clients more informed on the immediate trends in the stock market. In addition, their specific industry reports give comprehensive information on various industries. Besides this, they also offer special portfolio analysis packages that provide daily technical advice on scripts for successful portfolio management and provide customized advisory services to help you make the right financial moves that are specifically suited to their portfolio. 13 A.S.Patil college of commerce IBM, Bijapur
Stock Broking services are widely networked across India, with the number of trading terminals providing retail stock broking facilities. Its services have increasingly offered customer oriented convenience, which they provide to a spectrum of investors, high-net worth or otherwise, with equal dedication and competence.
But true to their spirit, this success is not their final destination, but just a platform to launch further enhanced quality services to provide you the latest in convenient, customerfriendly stock management. Over the years karvy have ensured that the trust of their customers is their biggest returns. Factors such as their success in the Electronic custody business has helped build on their tradition of trust even more. Consequentially their retail client base expanded very fast.
To empower the investor further they have made serious efforts to ensure that their research calls are disseminated systematically to all their stock broking clients through various delivery channels like email, chat, SMS, phone calls etc.
Their foray into commodities broking has been path breaking and they are in the process of converting existing traders in commodities into the more organized mainstream of trading in commodity futures, both as a trading and risk hedging mechanism.
In the future, their focus will be on the emerging businesses and to meet this objective, they have enhanced their manpower and revitalized their knowledge base with enhances focus on Futures and Options as well as the commodities business.
Depository Participants The onset of the technology revolution in financial services Industry saw the emergence of Karvy as an electronic custodian registered with National Securities Depository Ltd (NSDL) and Central Securities Depository Ltd (CSDL) in 1998. Karvy set standards enabling further comfort to the investor by promoting paperless trading across the country and emerged as the top 3 Depository Participants in the country in terms of customer serviced.
Offering a wide trading platform with a dual membership at both NSDL and CDSL, they are a powerful medium for trading and settlement of dematerialized shares. They have established live DPMs, Internet access to accounts and an easier transaction process in order to offer more convenience to individual and corporate investors. A team of professional and the latest technological expertise allocated exclusively to their demat division including technological enhancements like SPEED; make their response time quick and their delivery impeccable. A wide national network makes their efficiencies accessible to all.
Distribution of Financial Products The paradigm shift from pure selling to knowledge based selling drives the business today. With their wide portfolio offerings, they occupy all segments in the retail financial services industry.
A 1600 team of highly qualified and dedicated professionals drawn from the best of academic and professional backgrounds are committed to maintaining high levels of client service delivery. This has propelled us to a position among the top distributors for equity and debt issues with an estimated market share of 15% in terms of applications mobilized, besides being established as the leading procurer in all public issues.
To further tap the immense growth potential in the capital markets they enhanced the scope of their retail brand, Karvy the Finapolis, thereby providing planning and advisory services to the mass affluent. Here they understand the customer needs and lifestyle in the 15 A.S.Patil college of commerce IBM, Bijapur
context of present earnings and provide adequate advisory services that will necessarily help in creating wealth. The edge that they have over competition is their portfolio of offerings and their professional expertise. The investment planning for each customer is done with an unbiased attitude so that the service is truly customized.
Their monthly magazine, Finapolis, provides up-dated market information on market trends, investment options, opinions etc. Thus empowering the investor to base every financial move on rational thought and prudent analysis and embark on the path to wealth creation.
Advisory Services
Under their retail brand Karvy the Finapolis', they deliver advisory services to a cross-section of customers. The service is backed by a team of dedicated and expert professionals with varied experience and background in handling investment portfolios. They are continually engaged in designing the right investment portfolio for each customer according to individual needs and budget considerations with a comprehensive support system that focuses on trading customers' portfolios and providing valuable inputs, monitoring and managing the portfolio through varied technological initiatives. This is made possible by the expertise they have gained in the business over the years. Another venture towards being investor-friendly is the circulation of a monthly magazine called Karvy - the Finapolis'. Covering the latest of market news, trends, investment schemes and researchbased opinions from experts in various financial fields.
Private Client Group This specialized division was set up to cater to the high net worth individuals and institutional clients keeping in mind that they require a different kind of financial planning and management that will augment not just existing finances but their life-style as well. Here they follow a hard-nosed business approach with the soft touch of dedicated customer care and personalized attention.
For this purpose they offer a comprehensive and personalized service that encompasses planning and protection of finances, planning of business needs and retirement needs and a host of other services, all provided on a one-to-one basis.
Their research reports have been widely appreciated by this segment. The delivery and support modules have been fine tuned by giving their clients access to online portfolio information, constant updates on their portfolios as well as value-added advice on portfolio churning, sector switches etc. The investment recommendation given by their research team in the cash market has enjoyed a high success rate.
KARVY INVESTORS SERVICE LIMITED

Merchant Banking: Recognized as a leading merchant banker in the country, they are registered with SEBI as a Category I merchant banker. This reputation was built by capitalizing on opportunities in corporate consolidations, mergers and acquisitions and corporate restructuring, which have earned us the reputation of a merchant banker. Raising restheirces for corporate or Government Undertaking successfully over the past two decades have given us the confidence to renew their focus in this sector.
Their quality professional team and their work-oriented dedication have propelled us to offer value-added corporate financial services and act as a professional navigator for long term growth of their clients, who include leading corporate, State Governments, foreign institutional investors, public and private sector companies and banks, in Indian and global markets.
They have also emerged as a trailblazer in the arena of relationships, both at the customer and trade levels because of their unshakable integrity, seamless service and innovative solutions that are tuned to meet varied needs. Their team of committed industry specialists, having extensive experience in capital markets, further nurtures this relationship.
Their financial advice and assistance in restructuring, divestitures, acquisitions, demergers, spin-offs, joint ventures, privatization and takeover defense mechanisms have elevated their relationship with the client to one based on unshakable trust and confidence.
An Investment Banker is total solutions provider as far as any corporate, desirous of mobilising capital, is concerned. The services range from investment research to investor service on the one side and from preparation of offer documents to legal compliances and post issue monitoring on the other. There exists a long lasting relationship between the Issuer Company and the Investment Banker. A "Merchant Banker" could be defined as "An organization that acts as an intermediary between the issuers and the ultimate purchasers of securities in the primary security market" Merchant Banker has been defined under the Securities & Exchange Board of India (Merchant Bankers) Rules, 1992 as "any person who is engaged in the business of issue management either by making arrangements regarding selling, buying or subscribing to securities as manager, consultant, advisor or rendering corporate advisory service in relation to such issue management".
Merchant Banking, as a commercial activity, took shape in India through the management of Public Issues of capital and Loan Syndication. It was originated in 1969 with the setting up of the Merchant Banking Division by ANZ Grindlays Bank. The main service offered at that time to the corporate enterprises by the merchant banks included the
management of public issues and some aspects of financial consultancy. The early and mid-seventies witnessed a boom in the growth of merchant banking organisations in the country with various commercial banks, financial institutions, broker's firms entering into the field of merchant banking.
KARVY AS AN INVESTMENT BANKER
Karvy is well networked with 200 full-fledged branches and 350 Investor Service Centers with a workforce of over 3500 personnel drawn from various disciplines.
Karvy Investor Services Limited, a SEBI registered Merchant Banker is a 100% subsidiary of Karvy Consultants Limited and is among the top 10 merchant Bankers in India today. The parent Company i.e. Karvy Consultants Limited was founded by a group of professionals in 1982 and today it has evolved as integrated financial services company of repute, offering various financial services to suit every requirement/need of their customers. By virtue of its access to millions of Indian Shareholders, in addition to companies, banks and financial institutions, Karvy has in the process built up a positive reputation with regulatory authorities and other government agencies. Their emphasis on the quality of the services, they offer, has been instrumental in helping us to attain the leadership in the financial services sector. They have a track record of handling 70 public/rights issues as Merchant Bankers. During the last two years they have handled the share buyback issues of TTK LIG Limited, Sirpur Paper Mills Limited, Bhagyanagar Metals Limited, A V Thomas Group-Nelliampathy Tea and Produce Company Limited, Chordia Food Products Limited, Heritage Foods (India) Limited, Titanor Components Ltd, Punjab Communications Limited, etc. to name a few.
They have also handled/are handling the Rights/Public issues of Dhanalakshmi Bank, Dhandapani Finance, Moschip, Karur Vysya Bank, Lux Hosiery Industries Ltd, Sah Petroleums Limited, Paradyne Infotech Limited, Yash Papers Limited, SPL Industries Limited, Provogue (I) Limited, Tulip IT Services Limited, Gati Limited as lead managers to name a few. They have also been appointed as advisor to some of the GOI disinvestments. They have actively marketed bond issues of corporations from the States of Maharashtra, Karnataka & Gujarat and debt issues of all the Financial Institutions like IDBI, ICICI, IFCI, REC, PFC, SIDBI, etc.
As an Investment Banker, Karvy provides; Management of Capital Issues Management of Buybacks, Takeovers and Delisting offers Private Placement of Debt and Equity Mergers and Amalgamations Loan Syndication
KARVY COMPUTERSHARE PRIVATE LIMITED

KARVY have traversed wide spaces to tie up with the worlds largest transfer agent, the leading Australian company, Computershare Limited. The company that services more than 75 million shareholders across 7000 corporate clients and makes its presence felt in over 12 countries across 5 continents has entered into a 50-50 joint venture with us.
With its management team completely transferred to this new entity, they will aim to enrich the financial services industry than before. The future holds new arenas of client servicing and contemporary and relevant technologies as they are geared to deliver better value and foster bigger investments in the business. The worldwide network of Computershare will hold us in good stead as they expect to adopt international standards in addition to leveraging the best of technologies from around the world.
Excellence has to be the order of the day when two companies with such similar ideologies of growth, vision and competence, get together.
Mutual Fund Services: They have attained a position of immense strength as a provider of across-the-board transfer agency services to AMCs, Distributors and Investors.
Nearly 40% of the top-notch AMCs including prestigious clients like Deutsche AMC and UTI swear by the quality and range of services that they offer. Besides providing the entire back office processing, they provide the link between various Mutual Funds and the investor, including services to the distributor, the prime channel in this operation. Carrying the limitless' ideology forward, they have explored new dimensions in every aspect of Mutual Fund servicing right from volume management, cost effective pricing, delivery in the least turnaround time, efficient back-office and front-office operations to customized service. They have been with the AMCs every step of the way, helping them serve their investors better by offering them a diverse and customized range of services. The first to market' approach that is their anthem has earned us the reputation of an innovative service provider with a visionary bent of mind. Their service enhancements such as Karvy Converz', a full-fledged call center, a topline website (www.karvymfs.com), the m-investor' and many more, creating a galaxy of customer advantages.
Issue Registry:
In their voyage towards becoming the largest transaction-processing house in the Indian Corporate segment, they have mobilized funds for numerous corporate, Karvy has emerged as the largest transaction-processing house for the Indian Corporate sector. With an experience of handling over 700 issues, Karvy today, has the ability to execute voluminous transactions and hard-core expertise in technology applications have gained us the No.1 slot in the business. Karvy is the first Registry Company to receive ISO 9002 certification in India that stands testimony to its stature 21 A.S.Patil college of commerce IBM, Bijapur
Karvy has the backing of skilled human restheirces complemented by requisite technological packages to ensure a faster processing capability. Karvy has the benefit of a good synergy between depositories and registry that enables faster resolution to related customer queries. Apart from its unique investor servicing presence in all the phases of a public Issue, it is actively coordinating with both the main depositories to develop special models to enable the customer to access depository (NSDL, CDSL) services during an IPO.
Their trust-worthy reputation, competent manpower and high-end technology and infrastructure are the solid foundations on which their success is built.
Corporate Shareholder Services: Karvy has been a customer centric company since its inception. Karvy offers a single platform servicing multiple financial instruments in its bid to offer complete financial solutions to the varying needs of both corporate and retail investors where an extensive range of services are provided with great volume-management capability.
Today, Karvy is recognized as a company that can exceed customer expectations which is the reason for the loyalty of customers towards Karvy for all his financial needs. An opinion poll commissioned by The Merchant Banker Update and conducted by the reputed market research agency, MARG revealed that Karvy was considered the Most Admired in the registrar category among financial services companies.
They have grown from being a pure transaction processing business, to one of complete shareholder solutions.
KARVY GLOBLE SERVICE PRIVATE LIMITED

The specialist Business Process Outsourcing unit of the Karvy Group. The legacy of expertise and experience in financial services of the Karvy Group serves us well as they enter the global arena with the confidence of being able to deliver and deliver well.
Here they offer several delivery models on the understanding that business needs are unique and therefore only a customized service could possibly fit the bill. Their service matrix has permutations and combinations that create several options to choose from. Be it in re-engineering and managing processes or delivering new efficiencies, their service meets up to the most stringent of international standards. Their outsourcing models are designed for the global customer and are backed by sound corporate and operations philosophies, and domain expertise. Providing productivity improvements, operational cost control, cost savings, improved accountability and a whole gamut of other advantages.
They operate in the core market segments that have emerging requirements for specialized services. Their wide vertical market coverage includes Banking, Financial and Insurance Services (BFIS), Retail and Merchandising, Leisure and Entertainment, Energy and Utility and Healthcare.
Their horizontal offerings do justice to their stance as a comprehensive BPO unit and include a variety of services in Finance and Accounting Outstheircing Operations, Human Restheirce Outstheircing Operations, Research and Analytics Outstheircing Operations and Insurance Back Office Outstheircing Operations.
The finance and accounting function in any business has always been a restheirce and time intensive activity. The advent of computing systems and technology has enhanced the capabilities to handle volumes and reduce processing times; however the need for expert administrative support for this non-core business activity has emerged as a business opportunity for the qualified service providers in this field across the globe.
Their services cover the entire spectrum of services ranging from high volume transaction processing to high value financial analysis and reporting.
The team of financial experts at KARVY Global Services is fully conversant with the financial processes and accounting systems and create value by their ability to synergize domain knowledge with processing and technological expertise.
The Finance and Accounting Outsourcing center offers services such as Process Management, End to End Accounting, Taxation and Financial Analysis & Reporting services.
The Process Management COE offerings include Accounts Payable Accounts Receivable Billing / Sales Accounting Purchase Accounting Reconciliations Fixed Assets Inter-company Accounting
The End to End Accounting COE offerings include Cash Receipts and Payments Bank Receipts and Payments Sales and Sales Returns Purchases and Purchase Returns Jtheirnal Vouchers Trial Balance Financial Statements
The Taxation COE offerings include Personal Income Tax Corporate Income Tax Sales and Local Tax (SALT) Costs Segregation
The Financial Analysis and Reporting COE offerings include Financial Statement Analysis Financial Ratio Analysis Ageing Analysis Expense Reporting Periodic Management Information
Head quartered: KARVY Global Services is headquartered at Hyderabad, India and operates from three global delivery centers in Hyderabad.
Their business development offices are located in New York, Chicago and California in United States, Toronto in Canada and London in United Kingdom and Horgen in Switzerland. E-mail us to know how they can serve you.
KARVY COMMTRADE LIMITED

Commodities market, contrary to the beliefs of many people, has been in existence in India through the ages. However the recent attempt by the Government to permit Multicommodity National levels exchanges has indeed given it, a shot in the arm. As a result two exchanges Multi Commodity Exchange (MCX) and National Commodity and derivatives Exchange (NCDEX) have come into being. These exchanges, by virtue of their high profile promoters and stakeholders, bundle in themselves, online trading facilities, robust surveillance measures and a hassle-free settlement system. The futures contracts available on a wide spectrum of commodities like Gold, Silver, Cotton, Steel, Soya oil, Soya beans, 25 A.S.Patil college of commerce IBM, Bijapur
Wheat, Sugar, Channa etc., provide excellent opportunities for hedging the risks of the farmers, importers, exporters, traders and large scale consumers. They also make open an avenue for quality investments in precious metals. The commodities market, as it is not affected by the movements of the stock market or debt market provides tremendous opportunities for better diversification of risk. Realizing this fact, even mutual funds are contemplating of entering into this market.
Karvy Comtrade Limited is another venture of the prestigious Karvy group. With their well established presence in the multifarious facets of the modern Financial services industry from stock broking to registry services, it is indeed a pleasure for us to make foray into the commodities derivatives market which opens yet another door for us to deliver their service to their beloved customers and the investor public at large. With the high quality infrastructure already in place and a committed Government providing continuous impetus, it is the responsibility of us, the intermediaries to deliver these benefits at the door-steps of their esteemed customers. With their expertise in financial services, existence across the lengths and breadths of the country and an enviable technological edge, they are all set to bring to you, the pleasure of investing in this burgeoning market, which can touch upon the lives of a vast majority of the population from the farmer to the corporate alike. They are confident that the commodity futures can be a good value addition to their portfolio.
The company provides investment, advisory and brokerage services in Indian Commodities Markets. And most importantly, they offer a wide reach through their branch network of over 225 branches located across 180 cities.
KARVY INSURECE BROKING PRIVATE LIMITED

At Karvy Insurance Broking Pvt.Ltd., they provide both life and non-life insurance products to retail individuals, high net-worth clients and corporates. With the opening up of the insurance sector and with a large number of private players in the business, they are in a position to provide tailor made policies for different segments of customers. In their journey to emerge as a personal finance advisor, they will be better positioned to leverage their relationships with the product providers and place the requirements of their customers appropriately with the product providers. With Indian markets seeing a sea change, both in terms of investment pattern and attitude of investors, insurance is no more seen as only a tax saving product but also as an investment product. By setting up a separate entity, they would be positioned to provide the best of the products available in this business to their customers.
Their wide national network, spanning the length and breadth of India, further supports these advantages. Further, personalized service is provided here by a dedicated team committed in giving hassle-free service to the clients.
INVESTMENT
Investments can be defined as the process of, sacrificing something now for prospect of gaining something later or Investment is the sacrifice of certain present value for the uncertain future reward. An Investment decision is a trade off between risk and return. All investment choices are made at points of time in accordance with the personal investment ends and in contemplation of an uncertain future. Since investment in securities are revocable, investment ends are transient and investment environment is fluid, the reliable bases for reasoned expectations become more and more vague as one conceives of the distant future. Investment is the employment of funds on assets with the aim of earning income or capital appreciation. Investment has two attributes namely time and risk. Present consumption is sacrificed to get a return in the future. The sacrifice that has to be born in certain the return in the future may be uncertain. This attribute of investment indicates the risk factor. The risk is undertaken with a view to reap some return from the investment. The problem of surplus gives rise to the question of where to invest. In the past, investment avenues were limited to real estate, scheme of the post office and banks. At present, a wide verity of investment avenues is open to the investors to suit their needs and nature. Knowledge about the different avenue is open to the investors to choose investment intelligently. The required level of return and the risk tolerance level decide the choice of investors. The investment alternatives range from financial securities to traditional nonsecurity investment. The financial securities may be negotiable or non-negotiable. The negotiable securities are financial securities that are transferable. The negotiable securities may yield variable income or fixed income. Securities like equity shares are variable income securities. Bonds, debentures, Indra Vikas Patra, Kisan Vikas Patra and money market yield a fixed income. The non-negotiable financial investment as it self suggests is not transferable. This is also known as non-securitized financial investment. Deposit schemes offered by the post office, banks, companies, and non-banking financial companies are of this category.
To the economist, investment is the net addition made to the nations capital stock that consists of goods and services that are used in the production process. A net addition to the capital stock means an increase in the buildings, equipments or investment.
Investing in various types of assets is an increasing activity that attracts people from all walks of the life irrespective of their occupation, economic status, education and family background. When a person has more money that he requires for current consumption, he would be called as a potential customer. The investor who is having extra cash could invest in securities or in any other assets like gold or real estate or could simply deposit it in bank account. The companies that have extra income may like to invest their money in the extension of the existing firm or undertake venture. All of these activities in a broader sense mean as investment.
There are basically three concepts of investment: 1. Economic investment- That is, an economists definition of investment. 2. Investment in a more general or extended sense, which is used by the common man. 3. Financial investment-means an exchange of financial claims-stock and bonds (which are collectively called securities), real estate etc.
INTERMEDIARIES:
Savings can be invested in a number of investments. However, there is a gap between the potential investors and firms offering different investment avenues. Hence, there is a need of the hour to bring together these potential investors and such investment companies. There are some firms which facilitate bringing together potential investors and investment companies called intermediaries. Intermediaries are institutional or individual agencies who assist in the process of transforming savings into investment.
The major intermediaries in the capital market are: 1. Merchant bankers 2. under-writers 3. Registrars 4. Brokers 5. Depositories 6. Collecting agents 7. Advertising agencies 8. Agents 9. Stock brokers and Sub-brokers 10. Mutual funds.
Stock exchanges are intricately inter-woven in the fabric of nation economic life. Of all the modern service institutions, stock exchanges are perhaps the most crucial agent and facilitators of entrepreneurial progress. After the individual revolution, as the size of business enterprises grew, it was no longer possible for proprietors or even partnership to raise large amount of money required for undertaking entrepreneurial ventures, such huge requirement of capital could only met by the participation of very large number of investors, there number running into hundreds, thousands and millions, depending on the size of the business ventures.
It is not always possible to find buyers of an entire business or even a part of business, just when one wishes to sell it. Similarly, it is not easy for some one with savings, especially with a small amount of savings, to ready find an appropriate business opportunity, or a part there of, for investment. This implies that ownership in business has to be Broken up into a large number of small units, such that each unit may be independently and sold without hampering the business activities as such.
This end is achieved in a modern business through the mechanism of shares. A share represents the smallest recognized fraction of ownership, represented in the form of a certificate, know as the share certificate. The banking up of the total ownership of a business into small units, each unit represented by a shares certificate, enables them to be easily bought and sold. The institution where this buying and selling of shares takes place is called the stock exchange.
By enabling the convertibility of ownership in product market into financial assets namely shares, stock exchange brings together buyers and sellers of fractional ownerships of companies. These activities relating to stock exchanges and its variations are appropriately known as stock market or security market.
INVESTMENT CHARACTERISTICS: All investments are characterized by certain features are:
1. Return: All investors are characterized by the expectation of a return. In fact, investments are made with the primary objectives of deriving a return. The return may be received in the form of yield plus capital appreciation. The difference between the sale price and the purchase price is capital appreciation. The dividend or interest received from the investment is the yield. Different types of investment promise different rates of return. The return from an investment depends upon the nature of the investment, the maturity period and a host of other factors. 31 A.S.Patil college of commerce IBM, Bijapur
2. Risk: Risk is inherent in any investment. This risk may relate to loss of capital, delay in repayment of capital, nonpayment of interest, or variability of returns. While some investments like government securities and bank deposits are almost risk less, others are more risky.
The risk of an investment depends on the following factors:
1. The longer the maturity period, the larger is the risk. 2. The lower the credit worthiness of the borrower, the higher is the risk. 3. The risk varies with the nature of investment. Investments in ownership securities like equity shares carry higher risk compared to investments in debt instruments like debentures and bonds.
3. Safety: The safety of an investment implies the certainty of return of capital without loss of money or time. Safety is another feature which an investor desires for his investments. Every investor expects to get back his capital on maturity without loss and without delay.
4. Liquidity: An investment which is easily saleable or marketable without loss of money and without loss of time is said to possess liquidity. Some investments like company depends, bank deposits, P.O. Deposits, NSC, NSS etc, are not marketable. Some investment instruments like preference shares and debentures are marketable, but there are no buyers in many cases and hence their liquidity is negligible. Equity shares of companies listed on stock exchanges are easily marketable through the stock exchanges.
INVESTMENT OBJECTIVES:
The main objectives of investment are to increase the rate of return and reducing the risk. Other objectives like safety, liquidity, and hedge against inflation can be considered as subsidiary objectives.
A) Return: Investors always expect a good rate of return form their investments. Rate of return could be defined as the total income the investor receives during the holding period stated as a percentage of purchasing price at the beginning of the holding period.
B) Risk: Risk of holding securities is related with the probability of actual return becoming the expected return. The word risk is synonymous with the phrase variability of return. An investment whose rate of return varies widely from period to period is more risky than whose return that does not change much. Every investor likes to reduce risk of his investment by proper combination of different securities.
There are mainly two types of risks they are:
1. Unsystematic risk 2. Systematic risk
Unsystematic risk arises due to short supply of raw materials, disputes in management etc. It is uncontrollable that is why it is known as Internal risk.
Systematic risks arise due to political, economic, social factors it is also known as controllable risks that is why it is External risk.
INVESTOR V/S SPECULATOR

Investor plans for longer time horizon. Holding period may be from one year to few years whereas speculator plans for very short period. Holding period varies from few days to months.
1. Investor is ready to take moderate risk while speculator is willing to undertake high risk. 2. Investor likes to have moderate rate of return associated with limited risk but speculator likes to have return for assuming high risk. 3. Investor decision considers fundamental factors and evaluates the performance of the company regularly whereas speculator considers the inside information, here say market condition. 4. Investor uses the fund of his own and avoids the borrowed funds while speculator uses the borrowed funds to supplement his personal funds.
INVESTMENT AND GAMBLING
A gamble is usually a very short term investment in a game or chance. Gambling is different from speculation and investment. The time horizon involved in gambling is shorter then speculation and investment. The results are determined by the roll of dice or the turn of card. Secondly, people gamble as a way to entertain themselves, earning income would be the secondary. Thirdly, the risk in gambling is different from the risk of the investment. In investment there is an analysis of risk and return. Positive returns are expected by the investors. The financial analysis does not reduce the risk proportion involved in gambling.
Stock Broking:
It consists of two markets those are primary market and secondary market.
Primary Market:
Primary markets bring together buyers and sellers - either directly or through intermediaries - by providing an arena in which sellers investment propositions can be priced, brought to the marketplace, and sold to buyers. In this context, the seller is called the issuer and the price of whats sold is called the issue price. It is the initial market for any item or service. It also signifies an initial market for a new stock issue. The jargon also means a firm, trading market held in a security by a trader who performs the activities of a specialist by being ready to execute orders in that stock.
Secondary Markets
Secondary Markets are the stock exchanges and the over-the-counter market. Securities are first issued as a primary offering to the public. When the securities are traded from that first holder to another, the issues trade in these secondary markets. It is an undisputed fact that the stock market is unpredictable and yet enjoys a high success rate as a wealth management and wealth accumulation option. The difference between unpredictability and a safety anchor in the market is provided by in-depth knowledge of market functioning and changing trends, planning with foresight and choosing one & choose options with care.
EARLY HISTORY AND DEVELOPMENTS OF THE INDIAN STOCK MARKETS

What is a stock exchange? Stock Exchange means any body or individuals whether incorporated or not, constituted for the purpose of assisting, regulating or controlling the business of buying, selling, or dealing in securities. It is an association of member brokers for the purpose of self regulation and protecting the interests of its members. It can operate only if the government under the securities contracts recognizes it (regulation) act, 1956. The recognition is granted under section 3 of the act by the central government, ministry of finance. Present recognized stock exchanges At present, there are 21 stock exchanges recognized under the securities contracts (regulation) Act, 1956. They are located at Bombay, Calcutta, Madras, Delhi, Ahmedabad, Hyderabad, Indore, Bhuwandeshwar, Mangalore, Patna, Bangalore, Rajkot, Guwahati, Jaipur, Kanpur, Ludhiana, Baroda, Cochin and Pune. The recently recognized stock exchanges are at Coimbatore and Meerut. Vishakhapatnam stock exchange was recognized in 1996 for electronic trading.
A stock exchange has also been sought for this body as the jurisdiction of the Securities contracts (Regulation) Act, 1956 has not so far been extended to the areas covered by the state. A decade ago, there were hardly 8 stock exchanges in the country. There is no trading, however, in Meerut and Vishakhapatnam stock exchanges.
Recognized stock exchanges in India Exchanges Ahmedabad Bangalore Bhubeneshwar Calcutta Cochin Coimbatore Guwahati Hyderabad Sate (city) Gujarat Karnataka Orissa West Bengal Kerala Tamil Nadu Assam Andhra Pradesh Exchange Uttar Pradesh Ludiana Madras Mangalore Magadh Mumbai Pune Saurashtra Kutch Vadodara (Baroda) OTCEI State (city) Uttar Pradesh Punjab Tamil Nadu Karnataka Bihar (Patna) Maharashtra Maharashtra Gujarat Gujarat Maharashtra
Madhya Pradesh M P (Indore) Jaipur Rajasthan
The Stock Trading Advantages i. ii. Stock trading on over 19 of the worlds largest exchanges. Get an in-depth view of the market with Level 2 Market Depth (available on 10 exchanges on agreement). iii. iv. Stock trading on live stock prices (available on agreement). Profit from stock trading on low, fixed commissions, transparent pricing and no additional charges and v. Take advantage of built-in technical analysis and trend-tracking tools, streaming news, market research and company information all the stock trading tools in one place.
The close of the 18th century, the East India Company was the dominant institution and business in its loan securities used to be transacted. The beginning of 19 th century saw a perceptible increase in the nature of business in corporate stocks and shares. However the main importance to the stock business came in 1856 when the companies act providing for limited liability of members was enacted. This was followed by a period of boom and crisis and formation of organized stock exchanges.
The American civil war (1860-61) resulted in the share mania of 1861-65 during which the number of brokers increased to about 200-250 and they became possessed of great influence, authority and wealth. Like the south sea bubble and tulip mania of the 18th century in Europe, the share mania of 1861-65 caused undesired desolation at the end of the American civil war. Very few companies were solvent in Mumbai. The depression was long and severe, but the share mania had certain lasting effects. The brokers organized an informal association in 1875 which was later on formally established in Mumbai on 3rd December 1887 as society to be called the Native shares and stock brokers association. Expectation of liquid capital and the establishment of a regular market in securities helped to take Mumbai what it is today the chief center of the money and capital markets and the financial capital of India.
The cotton textile industry which established the primary of Mumbai also contributed to the development of the Ahmedabad share and stock brokers association in 1894. The stock exchanges at Mumbai and Ahmedabad were well set up property organized association of the 20th century, but the Calcutta stock exchange was not so constituted despite the fact that stock business in an organized way had been existing since 1830.
INTER-WAR PERIOD:
On the eve of the worldwar-1, the stock market in India considered of 3 stock exchanges in Mumbai, Calcutta and Ahmedabad as hostilities developed, the import of manufacturers into India stopped almost completely as Europe ceased to produce any manufactured articles except those required for the war. As a result Indian manufacturers were able to penetrate the home market. It was a period of phenomenal prosperity. The stock exchange soon became the centre of attraction for all. Rival stock exchange in Mumbai and Ahmedabad in 1917 and 1920 respectively where formed but could not survive long as they could not obtain official reorganization under the provisions of the Mumbai securities contracts control act 1925. Futile attempts to establish stock exchange in madras and northern India were also made.
The boom petered out in 1921 and Indian stock market went through a lean period. The improvements in business conditions and in stock market activity in 1935 were marked by growing public interest in stocks, shares and securities. There was a rapid increase in textile mils and many new plantations companies were floated in south India. To cater to this expanding trade in plantation and mill shares, a stock was organized in madras on 4th September 1937 under the name and style of the Madras stock exchange association (Pvt) Ltd.
WORLD WAR II AND AFTER: A period of unprecedented prosperity to the stock exchanges ushered in world war II. Many new associations were constituted. In Ahmedabad, as many as four new stock exchanges were set up one of another. Similarity in Lahore, which witnessed a grate expansion of monitory income during the war. Calcutta and Delhi had to stock exchanges besides the existing ones. In 1940, to stock exchanges, namely the U.P. stock exchange Ltd. And the Nagpur stock exchange Ltd, were establish in Kanpur and Nagpur, respectively. In 1944, the Hyderabad stock Ltd. Was incorporated in Hyderabad recognized under the Hyderabad securities contracts control act. A small stock exchange was also set up in Bangalore city. 39 A.S.Patil college of commerce IBM, Bijapur
The mushroom stock exchanges during the war time suffered a total depression. The exchanges in Lahore closed down. Most of the others stock exchanges withered away when they applied to the central government for reorganization under the securities contracts (regulation) act, 1956.only the old established stock exchanges in Mumbai, calutta, Madras, Ahmedabad , Delhi, Hyderabad and Indore were recognized under this act. The Bangalore stock exchange was registered subsequently in 1957 and recognized 1963.
Organization of Indian stock exchanges The recognized stock exchanges in India vary from voluntary no-profit making organizations (as in Mumbai, Ahmedabad and Indore) to joint stock companies Ltd by shares (as in Calcutta, Delhi and Bangalore) and companies Ltd by guarantee (as in Madras and Hyderabad) since the rules or articles of association defining the constitution of the organized stock exchanges are approved by the central government. The Mumbai stock exchange was the first to get permanent reorganization followed by Calutta, Delhi, Madras, Ahmedabad, Hyderabad, Indore and Bangalore. At present there are 21 stock exchanges in India (Excluding NSE and OTCEI) the largest being the Bombay stock exchanges (BSE). The prominent ones are Mumbai, Calcutta, Madras, Delhi and Ahmedabad. The overall development and regulation of the securities market has been interested to the Securities Exchange Board of India (SEBI) by an act of parliament in 1992
CAPITAL MARKET: Capital is required to bring a business into existence, to keep it alive and see it growing. Achieving the goal of business requires the performance of such business function namely production, distribution, marketing, research and development all of which involve investment of capital. Further, companies require capital not only for meeting there long term requirements of funds for new projects, modernization, expansion and diversification Programmes but also for covering operational expenses.
Categories of Capital:
1. Long-term capital/ fixed capital: it represents the amount of capital invested in fixed assets. It is a long term investment.
2. Short-term capital/ Working capital: it represents the amount of capital invested in current assets. Current assets are those assets which can be converted in cash within a year or accounting period. Working capital is required for meeting the operating cost of the concern.
3. Export Capital: The amount of capital required for making payment in international trade is called export capital. The methods of payment in international trade are: Cash with order Open account Bills of exchange Bankers documentary credits.
4. Venture capital: venture capital is the capital invested in highly risky venture or projects.
Meaning and Definition of Capital Market: Generally speaking, capital market is the place where in funds are raised by companies for meeting their long term requirements. Capital market is a market for long term capital.
Capital market may be defined as the mechanism which co-operative the demand and supply forces for long term capital. The participant on demand and supply side of this market are financial institution, mutual funds, agents, brokers, dealers, borrowers and lenders.
Components of capital Market:

Broadly speaking, capital market is composed of two segments: The new issue market or primary market The secondary market
1. The new issue market or primary market: in the primary market the existing companies or new companies offer shares/debentures to the public for subscription. The primary market also includes the offer of securities to the existing share holders of the companies on right and bonus basis. In the primary market the companies acquire long term funds for meeting their requirements like project financing, expansion; modernization etc. primary market creates financial claims. In this market the public can only buy the shares. Parties involved in the primary market are the lenders and the barrowers. Merchant bankers, registrars, issue companies, under-writers, bankers to the issue, public financial institutions, mutual funds etc. are the major players in new issue markets.
The primary market is made up of two components 80% of the IPO is offered to the public The remaining 20% is offered to firms which already traded to raise additional capital.
2. The secondary Market: In the secondary market or stock market old issues are bought and sold. In this market, the public can buy sell securities. This market does not create financial claims. In this market the funds does not flow between barrowers and lenders but fund flow between lenders and others/ buyers of security. The brokers, the investors, mutual funds and the financial institution are the important constituents of the secondary market.
Players in the capital market:

The players in the capital markets are divided in three categories:
1. Companies issuing securities: as per the SEBI guidelines, companies intending to issue securities divided three categories. New companies Existing unlisted companies Existing listed companies a) If a new company satisfies all the following three conditions. It has not completed 12 months of commercial operation. Its audited operative results are not available. It is set up by entrepreneurs with or without track record.
b) Existing closely held or private companies are called existing unlisted companies. c) A company is said to be an existing listed company if its shares are listed in the any one of the recognized stock exchanges.
2. Structure of capital market in India: The structure of Indian capital market has under gone a remarkable transformation over the last four and a half decades and now companies an impressive network of financial institutions and new financial instruments. The secondary market has become more sophisticated in response to the varied needs of the investors. Provision of long term credit is entrusted with specialization financial institutions. Of these IDBI, IFCI, UTI, LIC, GIC etc. Constitute the largest segment. The various constitutes of capitals market are: Equity Market Debt Market Government Securities Market Mutual fund schemes
3. Membership: The regulations governing the admission of members and the recognized stock exchanges are uniform in terms of the provisions of securities contracts (regulations) Rules 1956. These statutory rules provide that no person shall be eligible to be elected as a member if he is Less than 21 years of age. Not an Indian citizen. Adjudged bankrupt. Convicted offence involving fraud or dishonesty. Engaged as principal or employee in any business other than that of securities. Member of any other association in India where dealing in securities are carried on. Director or employees of company whose principal business is that of dealing in securities. Members of the exchange entitled to work either as individual entitles, or in partnership, or as representative members transacting business on the floor of the market not in their own name but in the name of the appointing members who assume the market responsibility for the business so transacted. Members are entitled to appoint attorneys to supervise their stock exchange business. Such persons satisfy in all respect the conditions of eligibility prescribed for membership of the exchange and their appointment must be approved by the governing body.
The Role of SEBI in Stock Market:

The security and exchange board of India, is the national regulatory body for the security market, set up under the security and exchange board of India act, 1992, to protect the interest of investors in securities and promote the development of, and to regulate, the securities market and for matters connected there with or incidental to.
SEBI has its head office in Bombay and it is in process of setting up regional offices in the metropolitan cities of Calcutta, Madras and Delhi. The board of SEBI companies a chairman, two members from the central government representing the ministries of finance and law, one member from the RBI, and two other members appointed by central government.
As per the SEBI act 1992, the powers and functions of the board the regulations of the stock exchanges and other securities market, registration and regulation of the working of stock brokers, sub-brokers, bankers to an issue (a public offer), trusties of trust deeds . the registers to an issue, under writers and such other intermediaries whom may be associated with stock market in any way, promotion and regulation of self regulatory organization, prohibiting fraudulent and unfair trade practices and insider trading in securities markets, regulating substantial acquisition of shares and take over of companies, under writing inspection, conducting inquires and audits of stock exchanges, performing such function and exercising such powers as contained in the provisions of the capital issues act 1947 and the securities contracts (regulations) act, 1956, laving various fees and other charges, conducting necessary research for above purpose and performing such other functions as may be prescribed from time to time.
Methodology:
Research can be defined as systemized effort to gain new knowledge. A research is carried out by different methodologies which have their own pros and cons. Research methodology is a way to solve research in studying and solving research problem along with logic behind them are defined through research methodology. Thus while talking about research methodology we are not only talking of research methods but also considered the logic behind the methods. We are in context of our research studies and explain why it is being used a particular method or technique and why the others are not used. So that research result is capable of being evaluated either by researcher himself or by others.
Research has its special significance in solving various operational and planning problems of business and industry. Research methodology is the way to systematically solve the research problem.
The study is based on the primary and secondary data which are collected through the firms employees and clients of the organization.
Data required and collected, primary data is collected through personal interview, Telephonic interview and secondary data is collected from internet, news papers, magazines published by the organization.
Need for the study:

The study focuses on the A study and analysis of investors behavior towards investing in stock market with reference to Karvy stock broking Ltd Bijapur further study rivals the profile of individual investors.
Scope of the study:

To study the investors behavior towards investing in stock market, have been carried out in Karvy stock broking Ltd Bijapur.
Projects aims to relevant information of Karvy about the nature of the study the method used in the research methodology of the study comprehensive background of the study, the conclusion and suggestions inferred findings.
Objective of the study:

To study about the Investors Behavior. To find out the level of customer satisfaction towards stock broking. To study the investment trend. To suggest and attracts the individual investors. To study the investor perception towards stock market. To know the investment pattern of investors of financial security. To study the profile of individual investors. To know about where the investors are investing there earnings. To determine the awareness level of investors about stock market. For what purpose investors are investing their savings. How much amount of savings the investors are investing.
Limitation of the study:

Area covered for the survey within the Bijapur city. Only 100 respondents were considered for the sample size. The study is based on the random sampling. Analysis of the data from questionnaires will be made on the assumption that the data provided by the respondent are accurate. Some respondents will not give accurate data. Time give for this project is very less.
Proposed out comes and benefits of the study

The study focus on A study and analysis of investors behavior towards investing in stock market with reference to Karvy. And they may get benefited through proper analysis of investors behavior towards the Stock market. The individual investors contribute a major share in the capital formation. The company is required to give a due attention to even small investors so that they are attracted to invest their savings.
Table No 1 Age of respondents.
Frequency Valid 20 - 40 41 - 60 60 and Above Total 54 39 7 100
Percent 54.0 39.0 7.0 100.0
Valid Percent 54.0 39.0 7.0 100.0
Cumulative Percent 54.0 93.0 100.0
Graph no: 1
Age
60
50
40
Percent
30
54.00%
20
39.00%
10
7.00%
0 20 - 40 41 - 60 60 and Above
Age
Interpretation: The above picture shows that 54% of respondents age was between 20-40, 39% of respondents age was between 41-60, 7% of respondents age was 61 and above.
Table No 2 Gender of respondents.
Frequency Valid Male Female Total 96 4 100
Percent 96.0 4.0 100.0
Valid Percent 96.0 4.0 100.0
Cumulative Percent 96.0 100.0
Graph no: 2
Gender
100
80
Percent
60
96.00%
40
20
0 Male
4.00%
Female
Gender
Interpretation: The above picture shows that 96% of respondents are male and only 4% respondents are Female.
Table No 3 Occupation of respondents.
Frequency Valid Business man Professional Govt employee Student Other Total 37 33 5 6 19 100
Percent 37.0 33.0 5.0 6.0 19.0 100.0
Valid Percent 37.0 33.0 5.0 6.0 19.0 100.0
Cumulative Percent 37.0 70.0 75.0 81.0 100.0
Graph no: 3
Occupation
40
30
Percent
20
37.00% 33.00%
10
19.00%
5.00%
0 Business man Professionl Govt employee
6.00%
Student Other
Occupation
Interpretation: The above picture shows that 37% of respondents are Business mans, 33% respondents are Professionals, 5% of respondents are govt employees, 6% of respondents are students and rests of 19% are others.
Table No 4 Monthly earnings of respondents.

Valid
Below Rs.5000 Rs.5000 to Rs.25000 Rs.25000 to Rs.50000 Rs.50000 to Rs.100000 Rs.100000 and Above Total
Frequency 31 37 18 9 5 100
Percent 31.0 37.0 18.0 9.0 5.0 100.0
Valid Percent 31.0 37.0 18.0 9.0 5.0 100.0
Graph no: 4
Monthly earnings
40
30
Percent
20
37.00% 31.00%
10
18.00% 9.00% 5.00%
0 Below Rs.5000 Rs.5000 to Rs. 25000 Rs.25000 to Rs. 50000 Rs.50000 to Rs. 100000 Rs.100000 and Above
Monthly earnings
Interpretation: The above grape shows that 31% of respondents monthly income lies below Rs.5000, 37% of respondents monthly income lies between Rs.5000 Rs.25000, 18% respondents monthly income lies between Rs.25000 Rs.50000, 9% of respondents monthly income is between Rs.50000 Rs.100000 and 5% of respondents monthly income is Rs.100000 and Above.
Table No 5 The existence of Karvy in Bijapur.
Frequency Valid Yes No Total 86 14 100
Percent 86.0 14.0 100.0
Graph no: 5
the existence of Karrvy Finafolis
100
80
Percent
60
40
86.00%
20
14.00%
0 Yes No
the existence of Karrvy Finafolis
Interpretation: The above grape shows that 86% of respondents are aware the existence of Karvy the Finapolis in Bijapur and rest (14%) of not aware.
Table No 6 through these Medias came to know.
Valid
Friends / Relatives Executives Business Magazines Total
Frequency 43 37 6 86 14 100
Percent 43.0 37.0 6.0 86.0 14.0 100.0
Valid Percent 50.0 43.0 7.0 100.0
Cumulative Percent 50.0 93.0 100.0
Missing Total
System
Graph no: 6
How did you come to know about Karvy stock brocking?

50
40
Percent
30
50.00%
20
43.00%
10
7.00%
0 Friends / Relatives Executives Business Magazines
How did you come to know about Karvy stock brocking?
Interpretation: The above grape shows that 50% of respondents come to know about Karvy from friends and relatives, 32% are from executives and remaining are from business magazines. 54 A.S.Patil college of commerce IBM, Bijapur
Table No 7 Financial services/products respondents know in Karvy. Equity trading Commodity trading Mutual Fund Insurance Govt securities IPO Graph no: 7 64 49 56 82 19 32
90 80 70 60 50 40 30 20 10 0
Series1
tra di ng
tra di ng
Fu nd
itie s
In su ra
Eq ui ty
m od ity
ut ua l
Interpretation: The above grape shows that 82 respondents are aware of insurance, 64 respondents are aware of Equity trading, 56 respondents are aware of mutual funds, 49 respondents are aware of commodity trading,32 people know about IPO, 19 respondents aware of Govt securities in Karvy Stock Broking.
om
ov t
se cu r
IP O
nc e
Table No 8Respondents want to invest money in share market.

Valid
Yes No Total
Frequency 94 6 100
Percent 94.0 6.0 100.0
Graph no: 8
invest money in share market in future
100
80
Percent
60
94.00%
40
20
0 Yes
6.00%
No
invest money in share market in future
Interpretation: The above grape shows that 94% of respondents are wanted invest there money in share market and rest of 6% are not investing in stock market. 56 A.S.Patil college of commerce IBM, Bijapur
Table No 9Respondents prefer Karvy for investment.

Valid
Yes No Total
Frequency 94 6 100
Percent 94.0 6.0 100.0
Graph no: 9
Prefer karvy for your investment
100
80
Percent
60
94.00%
40
20
0 Yes
6.00%
No
Prefer karvy for your investment
Interpretation: Graph 9 rivals that 94% of respondents are prefer to investment in Karvy and rest of 6% of respondents wants to invest through other stock brokers or they are not interested in stock market.
Table No 10mode of investment.

Frequency Valid Share market IPO Commodity trading Govt securities Mutual fund Insurance Total Missing Total System 61 6 7 3 11 6 94 6 100 Percent 61.0 6.0 7.0 3.0 11.0 6.0 94.0 6.0 100.0 Valid Percent 64.9 6.4 7.4 3.2 11.7 6.4 100.0 Cumulative Percent 64.9 71.3 78.7 81.9 93.6 100.0
Graph no: 10
mode of investment you prefer
60
50
40
Frequency
30
59
20
10
17 4
Share market IPO
6
Commodity market
3
Govt securities Mutual fund
5
Insurance
mode of investment you prefer
Interpretation: It is clear from above graph that the majority of respondents (59%) planed to invest in share market, 17% of respondent prefer mutual fund, 6% of respondents prefer in Commodity market, 5% prefer insurance, 4% prefer IPO, and 3% prefer government securities.
Table No 11Frequency of investing.

Cumulative Percent 4.3 19.1 70.2 81.9 91.5 100.0
Valid
Missing Total
Daily Weekly Monthly Quarterly Half-Yearly Yearly Total System
Frequency 4 14 48 11 9 8 94 6 100
Percent 4.0 14.0 48.0 11.0 9.0 8.0 94.0 6.0 100.0
Valid Percent 4.3 14.9 51.1 11.7 9.6 8.5 100.0
Graph no: 11
What is the frequency of investment
50
40
Frequency
30
48
20
10
14 4
0 Daily Weekly Monthely
11
9
Half-Yearly
8
Yearly
Quaterly
What is the frequency of investment
Interpretation: Graph 11 shows that the majority of respondents (48%) invests monthly, followed by weekly (14%), quarterly (11%), (9%) Half-yearly, (8%) yearly and 4% of the respondents invests in Karvy.
Table No 12 Motivates to invest.

Valid
Diversification of risk Balancing of risk and return Provision of old age To earn stable and regular income Capital appreciation Total
Frequency 14 18 3 49 10 94 6 100
Percent 14.0 18.0 3.0 49.0 10.0 94.0 6.0 100.0
Valid Percent 14.9 19.1 3.2 52.1 10.6 100.0
Missing Total
System
Graph no: 12
Motivates to invest
50
40
Frequency
30
49
20
10
18 14 10 3
Divesrsification of risk Balancing of risk and return Provision of old age To earn stable and regular income Capital appriciation
Motivates to invest
Interpretation: Graph 12 rivals that the majority of respondents (49%) agree that the motive of their investment is to earn stable regular income, followed by Balancing of risk and return(18%), diversification of risk(14%), provision of old age (3%) and capital appreciation (10%). 60 A.S.Patil college of commerce IBM, Bijapur
Table No 13Holding of investment.

Frequency Valid Less than 6 months 6 months to 1 Year 1-3 years 3-5 years 5 years and Above Total Missing Total System 7 18 58 6 5 94 6 100 Percent 7.0 18.0 58.0 6.0 5.0 94.0 6.0 100.0 Valid Percent 7.4 19.1 61.7 6.4 5.3 100.0 Cumulative Percent 7.4 26.6 88.3 94.7 100.0
Graph no: 13
How long you hold your investment
60
50
40
Frequency
30
58
20
10
18 7 6
6 months to 1 Year 1-3 years 3-5 years
5
5 years and Above
0 Less than 6 months
How long you hold your investment
Interpretation: It is clear from graph 13 that the majority of respondents (58%) hold their investment for a period less than 6 months, (18%) are between 6 months to 1 year, (7%) between 1 to 3 years, (5%) are 3-5 year and (5%) of respondents hold their investment 5 years and above. 61 A.S.Patil college of commerce IBM, Bijapur
Table No 14Amount of investment in Karvy annually.
Frequency Valid Below Rs.10000 Rs.10000 to Rs.25000 Rs.25000 to Rs.50000 Rs.50000 to Rs.100000 Rs.100000 and Above Total Missing Total System 12 33 22 19 8 94 6 100
Percent 12.0 33.0 22.0 19.0 8.0 94.0 6.0 100.0
Valid Percent 12.8 35.1 23.4 20.2 8.5 100.0
Graph no: 14
Amount of investment annualy
40
30
Frequency
20
33 22 12 8
0 Below Rs.10000 Rs.10000 to Rs. 25000 Rs.25000 to Rs. 50000 Rs.50000 to Rs. 100000 Rs.100000 and Above
10
19
Amount of investment annualy
Interpretation: It is clear from graph 14 that 12% of respondents are going to invest in Karvy an amount below Rs. 10000, 33% of respondents are going to invest in Karvy an amount ranging from Rs.10000 to Rs.25000, 22% are going to invest between Rs.25000 to Rs.50000, (19%) of respondents are going to invest Rs.50000 to Rs.100000, and (8%) of respondents are going to invest Rs.100000 and above in Karvy. 62 A.S.Patil college of commerce IBM, Bijapur
FINDINGS
The following are some major findings of the present study. 1. 54% of respondents age is between 20-40 years. 2. 96% of respondents are Male. 3. 37% of the respondents were Business man. 4. 37% of the respondents belong to income group between Rs.5000 to 25000 per month. 5. 86% of respondents are aware of the existence of Karvy stock broking in Bijapur 6. 43% of the of respondents are came to know about the Karvy stock broking from friends and relatives. 7. 36% of respondents are aware of the share market. 8. 94% of respondents have an investment plan in future. 9. The majority of respondents (94%) prefer Karvy for their investment. 10. 61% of respondents have a plan of investing in share market. 11. Then majority of respondents (48%) have prefer to invest monthly from their savings. 12. Respondents (49%) agree that the motive of their investment is to earn stable and regular income. 13. The majority of respondents (34%) agree that they hold their investment 1-3 years period. 14. That (33%) of the respondents have invest their savings ranging between Rs.10000 to Rs. 25000 in Karvy stock broking.
SUGGESTIONS
The following suggestion are occurred The majority of investors are investing less than what they have saved Hence their needs to promote savings schemes which can attract more Investor to invest in various securities. New attractive avenues of investment may be designed and launched to attract rural people who may be unaware of some benefits of investment through Karvy. The Karvy need to give their advertisement in News papers and local channel TV. The company should make aware of which services the company is providing to the customers. The company should attract customer through reducing their transaction cost and also reduce their service charges. Company should make aware to the investors those who are earning more than 50, 000 per month. Immediate follow-up of customers. More number of investors are business mans and professionals the company has to make some strategy to attract the other investors like Govt employees and student.etc
CONCLUSION
Now a days people are showing interest toward share market, every body wants to earn more and more money, also regular and stable income. Hence, stock market may be considered as a money market. Potential for stock market is more but due to lack of knowledge people are not ready to invest in stock market.
In my study (project) I came to know that many people are interested in stock market but lack of advertisement the investors are not investing in stock market.
The present study focused on various aspects of investment in stock market through Karvy. It is found that the potential investors are ready to invest through Karvy stock broking Ltd.
BIBLIOGRAPHY
1. Investment Analysis and portfolio management by Prasanna Chandra, Tata McGrawHill Publishing company.Ltd.
2. Financial Markets and Institutions by Dr.S.Guruswamy, Vijay Nicole Imprints Pvt. Ltd.
3. Karvy Mazines and, News Papers and journal.
Websites: www.bseindia.com www.karvy.com
Questionnaire
I Anand.A.Patted, student of MBA IVth sem B L D E As A.S.Patil college of commerce MBA Programme, conducting a survey on A study and analysis of investors behavior towards investing in stock market with reference to KARVY STOCK BROKING LTD Bijapur. So I request to you fill the questionnaire and I assure that the given information will use only for studying purpose and will be kept confidential. (Please mark as () in front of your choice) 1. Name:
2. Age: [ ] 20-40
[ ]
41-60
[ ]
61 and Above
3. Gender: [ ]
Male
[ ]
Female
4. Occupation: [ ] Business man [ ] [ ] Govt employee [ ] [ ] Others specify ____________ 5. Monthly earnings: [ ] Below Rs.5000 [ ] Rs.25000 To Rs.50,000 [ ] Rs.1,00,000 and above
Professionals Students
[ ] [ ]
Rs.5000 To Rs.25,000 Rs.50, 000 To 1,00,000
6. Do you know the existence of KARVY finapolis in Bijapur? [ ] Yes [ ] No If no then please go to question No: 9
7. How you came to know about the KARVY Stock broking? [ ] TV Ads [ ] Friends / Relatives [ ] Executives [ ] Business magazines
8. Which financial services/ products do you know in KARVY? [ ] Equity trading [ ] IPO services [ ] Commodity market [ ] Govt securities [ ] Mutual funds [ ] Insurance 9. Do you want to invest money in share market, in future? [ ] Yes [ ] No (If yes continue, else go to Q. no. 16) 10. Would you prefer KARVY for your investment? [ ] Yes [ ] No (If no please go to Q.no.16) 11. Which type of investment plan you want? [ ] Equity [ ] [ ] Commodity trading [ ] [ ] Mutual funds [ ] 12. What is the frequency of investing? [ ] Daily [ ] Monthly [ ] Half-yearly
IPO Govt. securities Insurance
[ ] [ ] [ ]
Weekly Quarterly Yearly
13. What motivates to you invest in KARVY? [ ] Diversification of risk [ ] [ ] Provision of old age [ ] [ ] Capital appreciation
Balancing of risk To earn stable and regular income
14. How long would you like to hold your investment? [ ] Less than 6 months [ ] [ ] 1-3 year [ ] [ ] Above 5 years
6 months to 1 year 3-5 year
15. How much amount you are investing in Karvy annually? [ ] Below Rs.10, 000 [ ] Rs.10, 000-Rs.25000 [ ] Rs.25, 000-Rs.50, 000 [ ] Rs.50, 000- Rs.100000 [ ] Rs.100000 and above 16. Suggestions.
Thank you for spending your precious time with me.

Karvyyyyyy

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Executive Summary

1 A.S.Patil college of commerce IBM, Bijapur

DATA COLLECTION METHOD:

2 A.S.Patil college of commerce IBM, Bijapur

STATEMENT OF THE PROBLEM:

3 A.S.Patil college of commerce IBM, Bijapur

EARLY DAYS OF KARVY

4 A.S.Patil college of commerce IBM, Bijapur

Their highly qualified manpower,

5 A.S.Patil college of commerce IBM, Bijapur

MILE STONES OF KARVY

6 A.S.Patil college of commerce IBM, Bijapur

Chief Managing Director

Karvy Stock Broking Ltd.

Karvy Consultants Ltd.

Karvy Investors ServicesLtd.

Karvy Securities Ltd.

N number of Team Leaders

N number of Executives 7 A.S.Patil college of commerce IBM, Bijapur

Key Personnel at Head office

8 A.S.Patil college of commerce IBM, Bijapur

KARVY Clients - ITS Focus

9 A.S.Patil college of commerce IBM, Bijapur

10 A.S.Patil college of commerce IBM, Bijapur

11 A.S.Patil college of commerce IBM, Bijapur

KARVY CONSULTANTS LIMITED

KARVY STOCK BROKING LIMITED

12 A.S.Patil college of commerce IBM, Bijapur

14 A.S.Patil college of commerce IBM, Bijapur

16 A.S.Patil college of commerce IBM, Bijapur

KARVY INVESTORS SERVICE LIMITED

17 A.S.Patil college of commerce IBM, Bijapur

18 A.S.Patil college of commerce IBM, Bijapur

KARVY AS AN INVESTMENT BANKER

19 A.S.Patil college of commerce IBM, Bijapur

KARVY COMPUTERSHARE PRIVATE LIMITED

20 A.S.Patil college of commerce IBM, Bijapur

22 A.S.Patil college of commerce IBM, Bijapur

KARVY GLOBLE SERVICE PRIVATE LIMITED

23 A.S.Patil college of commerce IBM, Bijapur

24 A.S.Patil college of commerce IBM, Bijapur

KARVY COMMTRADE LIMITED

26 A.S.Patil college of commerce IBM, Bijapur

KARVY INSURECE BROKING PRIVATE LIMITED

27 A.S.Patil college of commerce IBM, Bijapur

28 A.S.Patil college of commerce IBM, Bijapur

29 A.S.Patil college of commerce IBM, Bijapur

30 A.S.Patil college of commerce IBM, Bijapur

INVESTMENT CHARACTERISTICS: All investments are characterized by certain features are:

The risk of an investment depends on the following factors:

32 A.S.Patil college of commerce IBM, Bijapur

There are mainly two types of risks they are:

1. Unsystematic risk 2. Systematic risk

33 A.S.Patil college of commerce IBM, Bijapur

INVESTOR V/S SPECULATOR

INVESTMENT AND GAMBLING

34 A.S.Patil college of commerce IBM, Bijapur

35 A.S.Patil college of commerce IBM, Bijapur

EARLY HISTORY AND DEVELOPMENTS OF THE INDIAN STOCK MARKETS

36 A.S.Patil college of commerce IBM, Bijapur

Madhya Pradesh M P (Indore) Jaipur Rajasthan

37 A.S.Patil college of commerce IBM, Bijapur