Summer internship project Report On Investment awareness survey in Ahmadabad city (Beeline broking Limited) Submitted to institute code: 123 Institute Name: Sal Institute of Management Under the Guidance of Name of Faculty: Dipanti Joshi
In partial Fulfilment of the Requirement of the award of the degree of Master of Business Administration (MBA) Offered By Gujarat Technological University Ahmadabad
Prepared By: Shah Deval Rajeshkumar (178070592131) MBA (Semester-III)
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Student’s Declaration
I hereby declare that the Summer Internship Inte rnship Project Report titled “Investment indebtedness to other awareness survey” is a result of my own work and my indebtedness 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. d ecide. Enrolment no. - 1780705921321 Name – Name – Shah Shah Deval RajeshKumar Signature
Place: Ahmedabad
Date: 3rd August 2018
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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.
Rating of Project Report [A/B/C/D/E]: (A=Excellent; B=Good; C=Average; D=Poor; E=Worst) (By Faculty Guide)
Signature of the Faculty Guide/s (Name and Designation of Guide/s)
Signature of Principal/Director with Stamp of Institute (Name of Principal / Director)
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Plagiarism report
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Preface 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.
The study entitled “A study on Investment awareness survey” is giving the information about Awareness of the people in stock market. Apart from theoretical concept of the topic, we have included the finding and the tastes which have applied on the questions which have asked to customers to get the conclusion of our objective.
This study is aiming the total market of Investment awareness in the specific market. The study helps the company Investment awareness regarding stock market
As MBA student, I have taken training at Beeline Broking Limited. Ltd from Ahmedabad.
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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.
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TABLE OF CONTENTS Chapters
Sub No.
CHAPTER - 1
Particulars
Page No.
INTRODUCTION 1.1
Introduction of Spices Industry
CHAPTER - 2
1.2
India and Spices
1.3
Current Scenario
2.1
Introduction of Hathi Masala Company
2.2
Company Strategy
2.3
Products
2.4
Major Players
2.5
Porter’s Five Forces
2.6
SWOT Analysis
CHAPTER - 3
LITERATURE REVIEW
CHAPTER – 4
REASERCH METHODOLOGY 4.1
Research Methodology
4.2
Statement of problem
4.3
Objective
4.4
Research design
4.5
Sources of data
4.6
Data collection
8
CHAPTER – 5
4.7
Scope of the study
4.8
Target respondents
4.9
Sampling Method
4.10
Sampling Size
4.11
Data collection instruments
4.12
Period of study
4.13
Limitation of study DATA ANALYSIS & DATA INTERPRETATION
CHAPTER - 6
FINDINGS & SUGGESTION
CHAPTER - 7
CONCLUSION
CHAPTER – 8
BIBLIOGRAPHY
*
ANNEXURE ANNEXUREQUESTIONNAIRE
9
Overview of industry Broking Industry in world During the eleventh century, the French began regulating & trading agricultural debts on behalf of the banking community, creating the first brokerage system. In the 1300s, houses began to be set up in major cities like Flanders & Amsterdam in which commodity traders would hold meetings. Soon, Venetian brokers began to trade in government securities, expanding the importance of the firms. In 1602, the Dutch East India Company became the first publicly traded company in which shareholders could own a portion of the business. The stocks improved the size of companies & became the standard bearer for the modern financial system.
The earliest brokerage firms were established in London coffee houses, enabling individuals to purchase stocks from a variety of organizations. They formally founded the London Stock Exchange in 1801 & created regulations & memberships. The system was copied by brokerage firms across the world, most notably on Chestnut Street in Philadelphia. Soon, the U.S. exchange was moved to New York City & various firms like Morgan Stanley & Merrill Lynch were created to assist in the brokering of stocks & securities. The firms limited themselves to researching & trading stocks for investment groups & individuals. During the 1900s, stock brokerage firms began to move in a direction of market makers. They adopted the policy of mentioning both the buying & selling price of a security. This allows a firm to make a profit from establishing the immediate sale & purchase price to an investor. The conflict with brokerage firms setting prices is the concern that insider trading can result from the sharing of information. Regulators have enforced a system called Chinese Walls to prevent communication between different departments within the brokerage company. This has resulted in increased profits & greater interconnection within the financial industry
Broking industry in India Most of the trading in the Indian stock market takes place on its two stock exchanges: the Bombay Stock Exchange (BSE) & the National Stock Exchange (NSE). The BSE has 10
been in existence since 1875. The NSE, on the other h&, was founded in 1992 & started trading in 1994. However, both exchanges follow the same trading mechanism, trading hours, settlement
process,
etc.
At
the
last
count,
the
BSE
had
about
4,7b
bvyyygvccccccvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvvv Almost all the significant firms of India are listed on both the exchanges. NSE enjoys a dominant share in spot trading, with about 70% of the market share, as of 2009, & almost a complete monopoly in derivatives trading, with about a 98% share in this market, also as of 2009. Both exchanges compete for the order flow that leads to reduced costs, market efficiency & innovation. The presence of arbitrageurs keeps the prices on the two stock exchanges within a very tight range. The overall responsibility of development, regulation & supervision of the stock market rests with the Securities & Exchange Board of India (SEBI), which was formed in 1992 as an independent authority. Since then, SEBI has consistently tried to lay down market rules in line with the best market practices. It enjoys vast powers of impressive penalties on market participants, in case of a opening. Equity spot markets follow a T+2 rolling settlement. This means that any trade taking place on Monday, gets settled by Wednesday. All trading on stock exchanges takes place between 9:55 am & 3:30 pm, Indian Standard Time (+ 5.5 hours GMT), Monday through Friday. Delivery of shares must be made in dematerialized form, & each exchange has its own clearing house, which assumes all settlement risk, by serving as a central counterparty. The two prominent Indian market indexes are Sensex & Nifty. Sensex is the oldest market index for equities; it includes shares of 30 firms listed on the BSE, which represent about 45% of the index's free-float market capitalization. It was created in 1986 & provides time series data from April 1979, onward. Another index is the S&P CNX Nifty; it includes 50 shares listed on the NSE, which represent about 62% of its free-float market capitalization. It was created in 1996 & provides time series data from July 1990, onward.
Current scenario of market
11
India has approximately 1 crore Demat accounts. In a country of 125+ crore people, this translates to less than 1% market penetration by broking firms. Of these 1 crore demat accounts, many are owned by the same individual or are owned by members of the same family, & many more are practically dormant. This effectively means that only around 40-60 lakh Indian investors are directly holding Indian shares. Why have the brokers not been successful in increasing share ownership across the Indian populace? To be fair, not all is doom & gloom in Indian stock market for the Indian public. That logically leads us to the next question – with two of our exchanges (NSE & BSE with an average market capitalization of 1.5 USD trillion each) in the top 15 exchanges worldwide, why are our brokers not able to help Indians participate in India’s growth story? What challenges are faced by Indian brokers? What is preventing them from increasing the number of Demat accounts & share ownership? Following are the key challenges faced by Indian broking Industry:
Lower Margin in Broking. There is tremendous competition to Indian Full service Brokers from Discount Broker & Foreign Banks. The broking margins are so thin; companies struggle to meet their fixed costs with any variable volume revenue models in the industry. The easiest way for a retail investor to make money is to stay invested in a well-diversified basket of good quality stocks over a long period; however, brokers hate this! Foreign banks (FIIs) spoil the party further by bringing a large volume of overseas clients, who trade a large number of Indian shares & move the price up or down at their own whims & fancies.
Lower Retail Investor Participation. The traditional investment preference of Indians in real assets like gold or real estate has not helped the industry as a whole. After a number of investor awareness sessions are held by brokers/NSE, people are gradually warming up to the idea of equity investing. However, the pace of people adopting financial assets is still low. The past scams, lack of understanding of volatility, & the cultural passion with gold has not helped fellow Indians in taking a meaningful pie of shares. Finally, the unfortunate reality is that due to lack of Indian retail participants, foreign investors are eating the cake of India’s growth story (& rising stock market).
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Increasing Costs & Additional Investments. Stock markets are always evolving. They add newer products, technologies, & provide newer opportunities to trade. Brokerages need to invest in newer technologies trading platforms & algorithms continuously or risk-losing trading clients. For example, addition of commodity or currency segments involves additional expenses for brokers to enable the trading & settlement infrastructure for the new products. Likewise adoption of mobile technologies involves investment in applications & portfolio management systems which further increase costs. Besides, brokers need to pay their staff exchange memberships & other infrastructure in order to make a profit, finally.
So what does this mean to the broking industry? It appears that the industry has learnt from the shrinking broking revenues of the last 5 years & has adopted to thrive in the challenging environment. Costs are being examined closely, mergers are happening & brokers are exiting unprofitable segments. The focus is now on relationship selling & selling of financial services/third-party products rather than pure-play broking. This annuity income helps the industry tide through the current challenges. The industry’s biggest gain will come when the less than 1% market penetration increases to 5% or even 20% over the next decade or two. It is a matter of time before Indian attitude towards stock market changes & the level of awareness increases among the general public. Help for brokers is coming from unlikely sources too – Banks, Government, & Regulators. With 40+ crore people now having a bank account (thanks to the Jan Dhan Yojana scheme) & with schemes like Aadhaar-Direct Benefit of Subsidies, Mobile banking, increasing ATM usages, big strides have been India has taken towards electronic money & a more self-help investing culture. However, for the Indian broking industry & for the Indian public who participate in stock trading, the BEST is yet to come.
13
Major players of industry World Level
s
14
Major players in India
15
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Company History Beeline Broking Limited is a public incorporated on 26 August 2014. It is classification as Non-government & is registered at registrar of companies, Ahmedabad.
Mr. Vanesh Panchal : Networth Stock Broking Ltd. With two decades of retail broking in his kitty, Mr. Panchal was instrumental in the growth of Indiabulls, Monarch Project & Networth stock broking ltd., a respected name in the broking industry today, & spearheaded their retail footprint especiall y in the western region.
Mr. Pradeep Sandhir : Chiefly responsible for stabilizing Master Trust Ltd, that has been operational in the Gujarat region since last 8 years, Mr.Sandhir brings 15 years of experience to the table.
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Company introduction
Beeline broking limited is a mix of full service broker & discount broker offering trading across different asset class & add on services like equity SEP(Systematic Equity plan), SME listing &planning, research & market analysis, technical & fundamental analysis, tips & recommendations & so on.
The broker is based in Ahemedabad, GJ & promoters have a long experience of the market.
Beeline Broking lets you trade online across equity delivery, intraday, equity derivatives, currency, commodity by having membership of NSE, BSE, MCX, NCDEX through their online trading platforms via single sign on.
Trading in commodity Segment is offered by Beeline Commodities Pvt Ltd. Beeline is a depository participant. Demat account opening onetime fee is Rs 876 with free AMC.
Beeline has tie up with NSDL, a repository to have all your insurance policies in demat form. The broker helps you create an e-insurance account (e-IA) absolutely free of cost & you can buy as many insurance policies under the same demat account. You can also pay your premiums, view your portfolio & make amendments to your policy online.
The broker also offers NRI trading service.
If we talk about brokerage then Beeline offers both per order brokerage & percentage based brokerage. They have a brokerage bidding page where you can choose your own lowest brokerage for different segments. Flat fee brokerage is fixed at Rs 18 per executed order in equity delivery, equity derivative, currency & commodity future segment.
Beeline runs a daily rewarding program where they reward participant with gift evouchers for predicting the daily closing of indices future, currency future & commodity future of the current month. You can participate every day & the participant who makes the nearest predictions on either side of the close is the winner. Beeline value any involvement by our esteemed clients & based on your contribution in terms of Client referral , Sub broker/ Associate Programme/ Remisier referral , 18
Participation in a survey/giving us feedback & Brokerage generated.Based on your contribution we assign reward points to our clients.2% of the average monthly brokerage will be converted into reward points. The reward points that you accumulate can be redeemed on a monthly or quarterly basis.
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Company Vision
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.& 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.
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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 decisi ons.
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.
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Threats o
Stringent Economic measures by Government & RBI.
o
Entry of foreign finance firms in Indian Market.
22
Porter’s Five forces
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
Supplier bargaining power 23
Not much related is most segments except investment banking, where employees control client relationships & hence have to be highly rewarded.
Customers bargaining power
This is important in the institutional brokerage business which includes high volume & low brokerage charges. The extent of buyer power is very low to nonexistent in all kinds of retail segments.
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.
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Organisation hierarchy Name
POST
Mr. Vanesh Panchal
Director
Mr. Pradeep s&hir
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
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Product offered By beeline Online trading with Exposure & margin 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 ever y 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
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Literature Review
27
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. Rajarajen Vanjeko December 2010, Finance India on Indian investors’ investment
characteristics showed that the use of these characteristics for a better underst&ing of individual investors & their financial product needs. It also shows that investor’s future preferences. The study reveals the increasing popularity of equity as an investment option among individual investors. 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 &
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adequately groomed person. Occasions of blind investments are scarce, as a majority of investors are found to be using some source & ref erence groups for taking decisions. A Sarangapani & T. Mamatha on investment pattern of Indian investors (July 2011)
assessed in their research, investment pattern of sample investors indicates that the majority investors prefer to invest in equity shares than in other instruments. It is also revealed in analysis of the portfolio of investors that 72% investors prefer to invest in different types of instruments & the rest only in equity shares. The portfolio size of convertible debentures is comparatively more than non-convertible debentures in Hyderabad city. 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. Ramasamy T & Vinayakamoorthy
(2000) had concluded the study on “Investment
awareness survey”. The study reveals that, both savings & investment had equality. It means that an individual wants to have more investment, first he has to save that extent, savings & investment decisions are taken separated by an investor with different motives. The savings & investments are brought about by the changes in income. Geethanjali (2006) conducted a study entitled “Investors awareness towards commodity
market” in Erode with special reference to Karvy Stock Broking Limited. The study is made to find out the investors knowledge towards commodity market.
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.
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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.
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Research methodology
31
Objectives Primary Objective
To check customers awareness regarding investment
To identify which factor are affecting the investment of the customers
Secondary Objective
To check the preference of customers about investment
To suggest the area of improvisation to the broking firms to increase awareness of customers.
Research Design
Descriptive research design have used because data provide opportunities to underst& awareness of the customers.
Sampling Design
Target population
This work is totally based on customers perception about investment. Our target population was equity, mutual fund investor, individual & other investors.
Period of the study
Period of the study 45 days , from 4 th June to 18 th July.
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Sampling Method
Sampling method used in this research is convenience sampling.
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.
Data Analysis Gender Gender
Percentage
Male
76
Female
26
33
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
34
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
Valid
Student
44
44.0
44.0
44.0
35
Government organization
7
7.0
7.0
51.0
private companies
22
22.0
22.0
73.0
Self employed
27
27.0
27.0
100.0
100
100.0
100.0
Total
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 st udent and self employed.
Education Education
Frequency
Percent
Valid Percent
Cumulative Percent
Non matric
1
1.0
1.0
1.0
12
12.0
12.0
13.0
Valid std X/XII
36
Graduate
52
52.0
52.0
65.0
post graduate
29
29.0
29.0
94.0
Doctorate
3
3.0
3.0
97.0
Others
3
3.0
3.0
100.0
100
100.0
100.0
Total
Interpretation
Here we find that there are different educations of respondent. Non-matric is 1%
std X/XII are 12%
Graduates are 52%
post-graduates are 29%
Doctorates are 3%
Others are 3%
How often you monitor your investment?
monitor_your_investment
37
Frequency
Percent
Valid Percent
Cumulative Percent
Daily
Valid
8
8.0
8.0
8.0
Fortnightly
16
16.0
16.0
24.0
Monthly
54
54.0
54.0
78.0
9
9.0
9.0
87.0
13
13.0
13.0
100.0
100
100.0
100.0
occasionally Only IPO Total
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 .
What percentage of your income do you invest?
Percentage_of_income_for_investment
38
Frequency
Percent
Valid Percent
Cumulative Percent
Valid
0-15%
65
65.0
65.0
65.0
15-30%
35
35.0
35.0
100.0
100
100.0
100.0
Total
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%).
Past how many years you are investing in share market?
39
past_how_many_years_you_investing Frequency
Percent
Valid Percent
Cumulative Percent
Valid
1-5
71
71.0
7
71.0
5-10
25
25.0
25.0
96.0
4
4.0
4.0
100.0
100
100.0
100.0
10 above Total
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. 40
H1: There is significant difference between male and female regarding sectors.
Group Statistics
Gender
N
Mean
Std. Deviation
Std. Error Mean
Male
74
2.0541
.51700
.06010
Female
26
2.1282
.69189
.13569
Sector
Independent Samples Test
Levene's Test for Equality of
t-test for Equality of
Variances
Means
F
Equal variances assumed
Sig.
T
6.385
.013
df
-.574
98
-.500
35.306
Sector Equal variances not assumed
Independent Samples Test
t-test for Equality of Means Sig. (2-tailed)
Mean Difference
Std. Error
95% Confidence
Difference
Interval of the Difference Lower
Equal variances assumed
.567
-.07415
.12921
-.33057
Equal variances not assumed
.620
-.07415
.14840
-.37533
Sector
41
Independent Samples Test
t-test for Equality of Means 95% Confidence Interval of the Difference Upper Equal variances assumed
.18226
Equal variances not assumed
.22703
Sector
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 H0: There is no significant difference amongst various sector regarding education 42
H1: There is significant difference amongst various sector regarding education.
Descriptives
Sector Minimum
Maximum
Non matric
2.00
2.00
std X/XII
2.00
2.00
Graduate
1.00
3.00
post graduate
1.00
3.78
Doctorate
2.11
3.44
Others
1.56
2.78
Total
1.00
3.78
ANOVA
Sector Sum of Squares Between Groups
Df
Mean Square
6.489
5
1.298
Within Groups
25.097
94
.267
Total
31.586
99
F 4.861
Sig. .001
43
Means Plots
Interpretation
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 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 a graee between take decisions. Post-Graduate people are almost agree about the sector.
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Doctorate people are agree and neutral and other between take decision.
Reliability Statistics
Cronbach's Alpha
N of Items
.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
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 45
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.
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.
Here we find that there are different educations of respondent. Non-matric is 1% std X/XII are 12% Graduates are 52%, post-graduates are 29% Doctorates are 3% Others are 3%
The Distribution of customers on the Basis of the often monitor investment fortnightl y (16%) , Daily(8%), Monthly(54%) , Occasionally(9%), Only IPO(13%).So , as per survey that most of people have doing Monthly .
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%).
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. H0: There is no significant difference between male and female regarding sectors.
H1: There is significant difference between male and female regarding sectors.
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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.
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 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 agraee between take decisions. Post-Graduate people are almost agree about the sector. Doctorate people are agree and neutral and other between take decision.
Suggestion
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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 comp9+ any 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
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Further to the study, Investment awareness does not only help in increasing t he investment but also help in investors being prudent enough to understand fraudulent and/or risky nature of some investment avenues. As the rese arch population spends more of their time with computers and internet, digitaliz ation 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 da y 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 ver y 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.
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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-forstock-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
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QUESTIONNAIRE
Name
__________________________________________
Email id__________________________________________
1. What is your age?
20-30
30-50
Above 50
2. Gender
Male
Female
3. Education
Non Matric
Std X/XII
Graduate
Post Graduate
Docorate
other
4. Occupation 51
Student
Government Organization
Private Companies
Self Employed
Retired
5. What is your annual Income?
<2,00,000
2,00,000 – 4,00,000
4,00,000 – 6,00,000
>6,00,000
7. In the past you have invested mostly in? Strongly
Agree
Neutral
Disagree
agree
Strongly disagree
Saving account Equity share market Mutualfund Insurance Commodity IPO others
9. What is your source of investment advice?
Strongly agree
Agree
Neutral
Disagree
Strongly disagree 52
Newspaper& Magazine Family or friends Financial planner Internet News channel Books Reference
10. What is your Investment Objective? Strongly agree
Agree
Neutral
Disagree
Strongly disagree
Income & Capital Preservation Long Term Growth Short Term Growth Growth & Income Tax benefit High return Low risk
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12. How often you monitor your Investment?
Daily
Fortnightly
Monthly
Occasionally
Only IPO
13. What percentage (%) of your income do you invest?
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 54
