Vous êtes sur la page 1sur 54

Sl. No. I.

Particulars 1.1 INTRODUCTION 1.2 OBJECTIVES 1.3 RESEARCH METHODOLOGY 1.4 SCOPE OF THE STUDY 1.5 LIMITATIONS OF THE STUDY 1.6 CHAPTER SCHEME

Page No

II.

THEORETICAL BACKGROUND

III.

PROFILE OF KARVY

IV.

ANALYSIS AND INTERPRETAION OF DATA

V.

FINDINGS, CONCLUSION

SUGGSTIONS

AND

BIBLIOGRAPHY

ANNEXURE

CONTENTS

CHAPTER-1
1.1 INTRODUCTION

The concept investment means employment of funds to earn additional income or growth in terms of value the essential quality of an investment is expectation of reward it involves the commitment of resources which have been from current consumption in the hope that some benefits will be received in future. Investment in equities is also on the basis of income of the family, the investing ability may differ from persons to person according to their earning capacity. It has been long since investor has forgotten to go through the primary as well as secondary market. The small and medium investors also fear to put that their hard earned money in the stock market due to a continuous fall in the interest rates of all the savings schemes in banks, post-office, non-banking, financial companies and provident funds the hard earned money of people is being eaten away by inflation but the stock market is the place next to direct business where erosion money due to inflation can be tripled in a few days in stock market and that an investor may burn his fingers due to evaporation of money the task of earning profits through trading in equities is not easy particularly for those who are not fully aware of the trading system at stock exchange. Investing in equity market is good opportunity for all investor. It involves risk and return investing has been acting confined to the rich and business class in post but today it has become a household word and is very popular with people from all works of life. Derivatives as a tool in financial market as well as the market has been thin with poor liquidity and has not grown to any significance level these for research has selected on this topic to know the investment opportunities in equity market. 1.2 1) 2) 3) 4) OBJECTIVES

To study the investment opportunity in equity market To study the market potential for equity market as an investment To know the risk tolerance level of the investor To study in detail about services provided by karvy for equity market in gulbarga 5) To know the satisfaction level of investors towards karvy

1.3

RESEARCH METHODOLOGY

The project deals with a study on investors opportunities in equity market with special reference to karvy stock broking limited. Information in this regard is collected from primary data and secondary data. A. statement of problem Investing in equity market is good opportunity for all investors. It involves risk and returns, derivatives as a tool for managing risk in the equity markets then found useful as a hedging tool in financial markets as well as the market has been thin and poor liquidity and has not grown to any significant level. There for research has selected on this topic to know the investment opportunities in growing equity market.. B. Research Design A research design was purely and simply the framework or plan for the study the guided the collection and analysis of the data. The project is undertaken A study on investment opportunities in equity market with special reference to karvy stock broking limited in Gulbarga. C. Sample selection The data was collected from 50 investors. The area for collection of data was in Gulbarga city. D. Nature of the data collection Primary data Secondary data Primary Data The primary sources include: - Questionnaire - Discussions Secondary Data The secondary Data was colleted from the followings: - Text books - Company profile - Website of the company

1.4. SCOPE OF THE STUDY The study was carried out by researcher to study the investors opportunities in equities market service provided by karvy stock broking limited in Gulbarga. The present study not only describes the opportunities of the investors in equity market but also provided valuable suggestions regarding the service for the enrichment of the company in future. 1.5. Limitation of the study 1) The project work to be completed within a stipulated period of time, Hence time is major constraint for completion of the study. 2) The study was confined only to karvy broking limited at Gulbarga city only. 3) During the discussion some of respondents were relevant to information and some have given biased information. 4) The study was restricted to 50 respondents in Gulbarga city. 1.6. CHAPTER SCHEME The study has been divided into five chapters: The first chapter consists of introduction to the study, objectives, research methodology, scope and limitation of the study and chapter scheme. The second chapter consists the theoretical background. The third chapter explains about profile of Karvy. The fourth chapter focuses on the data analysis and its interpretation. The fifth chapter concludes with the findings, suggestion and conclusions.

CHAPTER-2 THEORETICAL BACKGROUND


INTRODUCTION Investment is the employment of funds in order to achieve addition income or growth in value. Investment involves waiting for a reward. It involves the commitment of resources which have been saved or put away from current consumption. In the hope that some benefits will accrue in the future. Investment has been further categorized by financial expert and economist. FINANCIAL AND ECONOMIC INVESTMENT Investment is the allocation of monetary resources to assets that are expected to yield some gain or positive return over a given period of time. These assets may range from safe investment. Economic investment means the net additional to the economies of the stock which consists of goods and services used in production of other goods and services. The financial and economic meanings of investments are related to each other because an investment is a part of the savings of individuals. MEANING OF EQUITY Equity is term whose meaning depends very much on the context. In general, you can think of equity as ownership in any assets after all debts associated with that asset are paid off. Share or equity represents part of an ownership of a business. So as a shareholder you own a piece of the action that happens in that business. Why would you want a piece of the action? For the rewards of course. As a shareholder you have a right over. Common stocks, are equity because they represent ownership of a company where as bonds are classified as debt because they represent an obligation to pay no ownership of assets.

CHARACTERISTICS OF COMMON STOCK Two most important characteristics of common stock as an investments are its residual claim and limited liability features. Residual claim means that stockholders are the last in line of all those who have on the assets and income and income of the corporation. Limited liability means that the most shareholders can loss in the events of failure of the corporation is there original investment. A stock market is a market for the trading of company stock, and derivatives of same; both those securities listed on a stock exchange as well as those only traded privately. Although common, the term stock market is a somewhat abstract concept for the mechanism that trading of company stocks. It is also used to describe the totality of all stocks, especially within one country, for example in the phrase the stock market was up today, or in the tern stock market bubble. It is distinct from a stock exchange. , which is an entity (a corporation or mutual organization) in the business of bringing buyers and sellers of stocks together. For example, the stock markets in the united states includes the trading of stocks listed on the NYSE, NASDAQ, and AMEX, and also on the OTCBB and pink sheets. The stock market is one of the most important sources for companies to raise money. Experience has taught us that the price of shares and other assets is an important part of the dynamics of economic growth. Rising share prices, for insurance, tend to be associated with increased business investment and vise verse. Share prices also affect the wealth of households and their consumption. Therefore, central banks tend to keep an Argus eye on the development of the stock market and reflect on how the financial system functions. Another reason is the oversight of financial stability.

TRADING

Participants in the stock market range from small private stock investors to large hedge fund traders, who can be based anywhere. Their orders end op with a professional at the stock exchange, who executes the order.

BRIEF HISTORY OF STOCK EXCHANGE THE BRIEF OF STOCK EXCHANGES IN India back to the 1840s. there were 50-60 brokers led by the legendary Premchand, Royachand. They formed the back bone of share floatation by the East India Company and a few commercial banks. In 1875, native share and stock broker association. A voluntary non-profit association of person it mobilized funds for industrial growth and government securities, especially of Bombay port trust and Bombay Municipality. A similar organization was set up in Ahmadabad in 1894. As a result of the swadesi movement and the coal boom of 190408, Kolkata became another major center of share trading and exchange was set up in 1908. During inter war years, as the demanded and new ones were floated. Yet other stock exchange was started in madras in 1920. The stock exchange in Hydrabad and Delhi started operation in the years 1943 and 1947, rasp [actively. At the time of independence, there seven stock exchanges functioning in major cities of the country]. From the seven stock exchanges in 1946, the country moved to form a total of 19 stock exchanges by 1990. There were 5,698 companies listed as against 1,125 in 1946. The paid up capital of these companies multiplied many fold forms Rs 270 corers in1946 to 27,761 corers in 1990.the market capitalization of listed companies pumped for Rs 971 corers in 1946 to 70,521 corers in 1990. From the nineties, started the current phase under which Indian stock exchanges are undergoing a rapid transition to be at par with stock exchange in the developed world. Before 1990, the trading system was open outcry system with scripts classified as non-specified or cash scripts that were compulsory settled with delivery at the end of settlement. There were long and varying periods for specified and non-specified share in the old cleaning system because of the interaction involved in the physical form the shares. Present there are 23 recognized stock exchanges with 6000 stock brokers. A stock exchange or share market is a corporation or mutual organization which provides facilities for stock brokers and traders, to trade company stocks and other securities. Stock exchanges also provides facilities

for the issues and redemption of securities, as well as. Other financial instruments and capital events including the payment of income and dividends. The securities traded to a stock exchange include: share issued by companies, unit trusts and other pooled investment products and bonds. To be able to trade a security on a certain stock exchange, it has to be listed there. Usually there is a central location at least for record keeping, but trade is less and less linked to such a physical place, as modern markets are electronic networks, which gives those advantages of speed and cost of transactions. Trade on an exchange is by members only. The initial offering of stocks and bonds to investors is by definition done in the primary market and subsequent trading is done in the secondary market. Supply and demand in stock markets are driven by various factors which, as in all free markets, affect the price of stocks (see stock valuation). There I usually no compulsion to issue stock via the stock exchange itself, not must stock be subsequently traded on the exchange. Such trading is said to be off exchange or over-the-counter. This is the way that bonds are traded. Increasingly, stock exchanges are part of a global market for securities. THE ROLE OF STOCK EXCHANGES Raising capital for businesses: The stock exchange provides companies with the facility to raise capital for expansion through selling shares to the investing public. Mobilizing savings for investment: What people draw their savings and invest in shares, it leads to a more rational allocation of resources because funds, which could have been consumed, or kept in idle deposits with banks, are mobilized and redirected to promote business activity with benefits of several economic sector such as agriculture, commerce and industry, resulting in a stronger economic growth and higher productivity levels. Facilitating company growth: Companies view acquisition as an opportunity to expand product lines, increase distribution channels, hedge against volatility, increase its market share, or acquire other necessary business asset. A takeover bid or a merger agreement through the stock market is one of the simplest and most common ways for a company to grow by acquisition or fusion. Redistribution of wealth: stock exchanges do not exist to redistribute wealth although casual and professional stock investor through stock price increase (that may result in capital gains for the investor) and dividends get a chance to share in the wealth of profitable business. Corporate governance: By having a wide and varied scope of owners, companies generally tend to improve on their management standards and

efficiency in order to satisfy the demands of these shareholders and the more stringent rules for public corporation imposed by public stock exchanges and the government. Consequently, it is alleged that public companies (companies that are owned by shareholders who are members of the general public and trade shares on public exchanges). Tend to have better management records then privately-held companies (those companies where shares are not publicly trades, often owned by a small group of investors). However, some well-documented cases are known where it is alleged that there has been considerable slippage in corporate governance on the part of some public companies pets.com (2000), Enron Corporation (2001), One Tel (2001), Sunbeam (2001), Web van (2001), Adelphi (2002), MCI World.com (2002) or Parmalat (2003) are among the most scrutinized by the media).

Creating investment opportunities for small investor: As opposed to other businesses that require huge capital outlay, investing in shares is open to both the large and small stock investors because a person buyers the number of shares they can afford. Therefore the stock exchange provides the opportunity for small investors to own shares of the same companies large investors, and to enjoy similar rates of return(s). Government capital-rising for development projects: Governments at various levels may decide to borrow money in order to finance infrastructure projects such as sewage members of the public buy them, thus loaning money to the government. The insurance of such bounds with the full faith and credit of the government instead of with collateral, the result is that the government must tax the citizens or otherwise raise additional funds to make any regular coupon payments and refund the principal when the bounds mature. Barometer of the economy: At the exchanges, share prices rise and fall depending, largely, on market forces. Share prices tend to rise or remain stable when companies and the economy in general show signs of stability and growth. An economic depression or financial crisis eventually leads to a stock market cash. Therefore the movement of share prices and in general of the stock indexes can be an indicator of the economy.

CHAPTER 3

Profile of Karvy
BACKGROUND Karvy was started by a group of 5 charted accountants in 1979. The partners decided to offer other then the audit services, value added services like corporate advisory services to their clients. The first firm in the group. Karvy consultants limited was interpreted on 23rd July 1983, an initial stage it was very small in size. It was started with a capital of Rs. 150000. In a very short period it become the largest register and transfer agent in India. The business was span off to form a separate joint venture with computer share of Australia in 2005 karvys foray into stock broking began with marketing IPOs in 1993. Within a few years, karvy began topping the IPO procurement league tables and it has consistently maintained its poison among the top 5. Karvy was among the first few members of NSE, in 1994 and become member of the stock exchange, Mumbai in 2001. Dematerialization of shares gathered place in mid-90s and karvy was in the forefront educating investors on the advantages of dematerializing their shares. Today karvy is among the top 5 depositary participant in India. While the registry business is a 50:50 joint venture with computer share of Australia, karvy have equity participation by ICICI ventures limited and Barings Asia limited, in karvy stock broking limited.

KARVY GROUP COMPANIES


1. Karvy Consultants Limited As the flagship company of the karvy group, karvy consultants limited has always remained at the help of organizational affairs, pioneering business policies, work ethic and channels of progress.

Now this transferred this business into a joint venture with computer share limited of Australia, the worlds largest register. 2. Karvy Stock Broking Limited. Member of national stock exchange (NSE), the Bombay Stock Exchange (BSE) and the Hyderabad Stock Exchange (HSC). Karvy Stock Broking Limited, one of the cornerstones of the Karvy edifice flows towards attaining diverse goals of the customer through varied service. (www.karvydp.com)

3. Distribution of Financial Products. The paradigm shift from pure selling to knowledge based selling drives the business today with our wide portfolio offerings, we occupy all segments in the retail financial service industry. 4. Karvy Investor Services Limited. Recognized as a leading merchant banker in the country. We are registered with SEBI as a category merchant banker. This reputation was built by capitalizing on opportunities in corporate consolidations, mergers and acquisitions and corporate restructing which have earned as the reputation of a merchant banker. 5. Karvy Computer Share Private Limited. We have traversed wide spaces to tie up with the worlds largest transfer agent, the leading Australian company. The company that services more than 75 million shareholders across 7000 corporate clients and makes its presence felt in over 12 countries. 6. Karvy Global Services Limited. The specialist business process outsourcing unit of the Karvy group. The legacy of expertise and experience in financial services of the Karvy group server as well as enter the global arena with the confidence of being able to deliver and deliver well. 7. Karvy Comtrade Limited At Karvy commodities, we are focused on taking commodities; we are focused on taking commodities trading to new dimensions of reliability and profitability. We have made commodities trading, on essentially age old practice, into a sophisticated and scientific investment option. 8. Karvy Insurance Broking Limited At Karvy Insurance Broking Limited. We provide both life and non-life insurance products to retail individuals, high net-worth clients and

corporate with the opening up of the insurance sector and with a large number of private players in the business, we are in a position to provide tailor made policies for different segments of customers. 9. Karvy Realty and Services (India) Limited. Karvy Reality & services (India) Limited (KRSIL) is engaged in the business of real estate and property services offering value added property services and offers individuals and establishments a myriad of options across investments, financing and advisory services the reality sector.

Karvy Branches and Business Associates Branches -475 branch network Business Associates- 468 Covering- 392 1. Punjab: a) Barnches16 b) Business Associates26 2. Rajasthan a) Barnches10 b) Business Associates20 3. Gujarat a) Barnches32 b) Business Associates34 4. Maharashtra a) Barnches49 Karvys pan India Overseas offices at Dubai & new York b) Business Associates23 5. Karnataka/G oa a) Barnches49 b) Business Associates25 6. Kerala a) Barnches33 b) Business Associates53

Pradesh

7. Madhya

a) Barnches22 b) Business Associates30 8. Uttar Pradesh a) Barnches45 b) Business Associates16 9. West Bengal a) Barnches25 b) Business Associates13 10. Orrisa: a) Barnches14 b) Business Associates12

11. Andhra Pradesh: a) Branches35 b) Business Associates76 12. Ta mil Nadu a) Barnches62 b) Business Associates11 13. Oth er smaller status a) Barnches82 b) Business Associates60

Range of products karvy Karvy provide online offline and telephonic support for all the products. Equity trading Commodities trading Debt trading Mutual funds broking General insurance Advisory platform

Derivatives Currency trading Real estate broking Life insurance IPOS Fixed deposits and other saving products

Key success factors of karvy 1. 2. 3. 4. 5. 6. Pan India branch network Ability to gross sell Diversified products offering Service standards and Branch recall Multi channel service delivery Well trained resources

7. Strong senior management

Quality Objectives of karvy 1. Build in house process that will ensure transparent and harmonious relationship with its clients and investors to provide high quality of services.

2. Establish a partner relationship with its investor service agents and vendors that will help in keeping its commitments to the customers. 3. Provide high quality of work life for all its employers and equip them with adequate knowledge and skills so as to respond to customers need. 4. Continue to uphold the value of honesty and integrity and strive to establish on paralleled standards in business ethics. VISION Karvys aspiration of establishing itself on integrator financial services company is propelled by a vision that is shared by the entire work force towards this end. Karvy is dedicated itself to: Having single minded focus on investors services. Establish as a house hold name for financial services Set industrial standards MISSION Our mission is to be leading preferred service provider to our customers and aim to achieve this leadership position by building an innovative enterprising and technology driven organization which will set the highest standards of service and business ethics. Quality policy To achieve and sustain market leadership, karvy shall aim for complete customer satisfaction by combining its human and technological resources to provider world class quantity services. In the process karvy shall strive to meet the exceed customers satisfaction and set industry standards.

Achievements 1. Largest independent distributor for financial products broker with best corporate desk for commodity. 2. Broking of the year by blooming UTV financial leadership awards 2011. 3. Largest and broking house in India award 2010. 4. Among the top 5 stock brokers. 5. Among the top 3 depository participants. 6. Among the top 10 investment bankers. 7. Indias No.1 register and securities transfer agent. 8. ISO 9002 certified operations by DNV. 9. Adjudged as one the top 50 IT uses India by MIS Asia.

SWOT Analysis
Strength Good research team Dedicated employees Strong customer relationship Strong brand name Wide spread branches and brokers network.

Weakness Technology need to be upgraded Not enough advertisement Opportunity Growing IPO issues Positive outlook of people towards financial products. Growing consumer awareness about equity related product. Threat Market uncertainty Emerging economic factors like inflation for trade business.

Organization chart
Managing Director
Vice president

Vice president

Vice president

Vice president Karvy Investors Service Ltd


Deputy General Manager

Karvy securities Ltd

Karvy stock Broking Ltd


Deputy General Manager

Karvy Consultants Ltd


Deputy General Manager

Deputy General Manager

Senior Manager

Senior Manager

Senior Manager

Senior Manager

Board of Directors Mr. C. Parthasarthy - Chairman Mr. M. Yugendhar - Managing Director Mr. M. S. Ramakrishna - Director

Key personnel at Karvy in Gulbarga city Siddayya Hiremath - Branch Manager Ramakanth Panda Dealer (stock broking) Gouri Shastri Assistant Manager (stock broking) Gangadhar Avaradhi (stock broking) Santosh Poddar-Dealor (Commodity) Dhaneshwari- officer (TIN/PIN Services) Nagaraj-Officer (TIN/PIN Services) Laxmikanth-IROS (Distributor) Shivasharan-IROS (Distributor) Contact address in Gulbarga City Karvy Stock Broking Limited. 1st Floor Asian Tower Beside aditya hotel, Jagat. Station main road Opposite public garden Gulbarga Karnataka Pin code-585103 Tele phone: 08472-262502 Registered Office Karvy House 46 Avenue 4, street no.-1 Banjara Hills Hydrabad Andrapradesh India Tele phone: +91-40-23312454 Fax: +91-40-23311968 Email:support@karvy.com mailmanager@karvy.com Website: www.karvy.com

CHAPTER 4
Date analysis and interpretation
Table showing Age wise classification of Respondent Age Group Lass than 30 years 30 - 40 years 40 -50 years Above 50 years Total Number of investors 8 14 12 16 50 Percentage 16 28 24 32 100

Interpretation and analysis From the above table it is observed that 16% of respondents in the age group of less than 30 years, 28% of respondents in the age group of 30 40 years 24% of respondents in the age group of 40 50 years and lastly 32% of respondents in the age group of above 50 years with respect to investment age plays a very important role for investing in different investment avenues. Graph no. 1

Graph 1: showing age wise classification of respondents.

50 45 40 35 30 25 20 15 10 5 0 Less 30-40 yrs 40-50yrs Above then 30 50yrs Yrs


Table no- 2 Table Title Table showing gender classification of the respondents. Gender Male Female Total No. of Respondents Percentage 42 84% 08 16% 50 100

No Of Investors Percentage

wise

Interpretation and analysis From the above table it is dear those 84% of respondents are male, and 16% of respondents are female. Graph no - 2 Graph - 2 showing Gender wise classification of the respondents.

90 80 70 60 50 40 30 20 10 0 Male Female No of Respondents Percentage

Table no 3 Table- showing Education qualification wise classification of respondents Education qualification No. of respondents Under Graduation 12 Graduation 30 Post graduation 8 Total 50 Interpretation and analysis Percentage 24% 60% 16% 100

From the above table it is observed that 60% respondents graduate and 24% under graduates and 16% wore post graduates. Thus it is the responsibility of the branch manager to take care of customers investments for their mutual benefits. Graph no 3 Graph Title Graph showing education qualification wise classification of respondents.

60 50 40 30 20 10 0 Under Graduation Graduation Post Graduaion No of Respondents Percentage

Table 4 Annual Income of Respondents Occupation Salaried Business Professional Others Total No. of Respondents Percentage 16 32% 16 32% 02 04% 16 32% 50 100

From the above table it is observed that 32% of respondents were salaried business and others and 04% of respondents were professional. Graph 4: Graph respondents. showing occupation of

35 30 25 20 15 10 5 0
Salaried Business Professionals Others

No of Respondents
Table 5 Annual Incomes of Respondents Annual Income Below 1 lakh 1 2 lakh 2 lakh 3 lakh Above 3 lakh Total

Percentage

No. of Respondents Percentage 08 16% 10 20% 16 32% 16 32% 50 100

Interpretation and analysis From the above table it is found that 32% of the respondents belong to the income group both 2 lakh 3 lakh and above 3 lakh 20% of the respondents belong to the income group 1 lakh 2 lakh and 16%

of respondents belong to the income group below 1 lakh. Graph 5: Graph showing Annual Income of Respondents.

35 30 25 20 15 10 5 0

Below 1-2 Lakh One Lakh

2-3 Lakh

Above 3Lakh

No Of Respondents

Percentage

Table 6 Investment pattern of Respondents Investment patter No. of Respondents Percentage Short term 22 44% Medium term 10 20% Long term 18 36% Total 50 100 Interpretation and analysis From the above table it is found that 44% of respondents are short term investors, 36% of

respondents are long term investors and 20% of respondents are medium term investors. Thus we can infer that the karvy investors prefer more short term investments this the company can educate above the long term investments. Graph 6: Graph showing Investment pattern of respondents

45 40 35 30 25 20 15 10 5 0

NO Of Respondents Percentage

Short Medium Long Term Term Term

Table 7 Respondents prefer to invest avenues in Avenues Bank Post office Shares Mutual funds No. of Respondents Percentage 12 24% 04 08% 34 68% 00 00%

Total

50

100

Interpretation and analysis From the above table it is found that out 100%, 68% of respondents prefer shares, 24% of respondents prefer Bank, 08% of respondents prefer post office and 0% of respondents prefer mutual fund. Graph 7: Respondents prefer to invest avenues.

70 60 50 40 30 20 10 0 Banks Post Office Shares Mutual Funds

No of Respondents

Percentage

Table 8 Investment pattern of Respondents Investment pattern Occasional Regular No. of Respondents 32 18 Percentage 64% 36%

Total

50

100

From the above table it is observed that 64% of respondents occasional investors and 36% of respondents regular. Thus the company should tare the responsibility to convert 64% occasional investors to investors. Graph 8: Graph showing Investment pattern of respondents.

70 60 50 40 30 20 10 0 Occational Regular No of Respondents Percentage

Table 9 Factors influence the respondents while in equity market

Factors Rate of Interest Risk and return Service Time span Total

No. of Respondents Percentage 06 12% 34 68% 10 20% 50 100

Interpretation and analysis From the above table it is found that 68% of respondents consider risk and return, 20% of respondents consider service, 12% of respondents consider Rate of interest and 0% of respondents consider time span. From the above analysis we can interpret that the respondents consider risk and return while investing for requires as they prefer income for their investments. Graph 9: Graph showing factors influence the respondents while investing in equity market.

70 60 50 40 30 20 10 0
Rate Of Interest Risk & Return Service Time Span

NO Of Respondents

Percentage

Table 10 Knowledge of investments Respondents Respondents knowledge Beginner Average Good Very good Total No. of Respondents 10 12 26 2 50 Percentage 20% 24% 52% 4% 100

Interpretation and analysis The above table shows that 52 of respondents have good knowledge of investments, 24% of respondents have average knowledge of investments, 20% of respondents are beginnings, and 4% of respondents have very good knowledge about investments. Graph 10: Graph showing knowledge of investments. respondents

60 50 40 30 20 10 0 Beginner Avarage
No of Respondents

Good

Very Good

Percentage

Table 11 Mode of collecting information about stock market Mode T.V media News paper Magazines annual reports Advisor, consultants etc All the above Total No. of Respondents 14 02 00 00 34 50 Percentage 28% O4% 00 00% 68% 100

Interpretation and analysis From the above table it is found that 68% of respondent in formed about equities market through all modes shown in the table 28% of respondent informed about equities market through T.V media, o4% of respondents informed about equities market through news paper and both the advisor,

consultants etc and magazines, annual reports are not used to informed by respondents about equities market. Graph 11: Graph showing mode of collecting information about stock market.

Tv Media Magzines/Annual Report All of the above

News Paper Advisor/Consultants

Table 12 Opinion of respondents towards investment in portfolio Port folio Yes No Total No. of respondents 16 34 50 Percentage 32% 68% 100

Interpretation and analysis From the above table it is observed that 32% of respondents investing in portfolio and 68% of respondents not investing in portfolio. Graph 12: Graph showing opinion of respondent towards investment in portfolio.

70 60 50 40 30 20 10 0 Yes No No Of Respondents Percentage

Table 13 Respondent category in investment Category Trader Investor Speculation Total No. of Respondents 20 28 02 50 Percentage 40% 56% 04% 100 of of

Interpretation and analysis From the above it is observed that 56% respondents in the category investor 40%

respondents in the category Trader and 04% of respondents in the category speculation. Graph 13: Graph showing respondent category in investment

60 50 40 30 20 10 0 Trader Investor Speculation No Of Respondents Percentage

Table 14 Respondent opinion towards better growing investment opportunities Types of investment Stock Mutual fund Commodities No. of respondents 22 02 Percentage 44% 04%

All the above Total

26 50

52% 100

Interpretation and analysis From the above table it is found that 52% of respondents prefer better and growing investment opportunity in all the above type followed by 44, 0, 04% respondents prefer stocks mutual fund and commodities respectively. Thus the customers are more interested towards the type all the above in the table. Graph 14: Graph showing respondents opinion towards better and growing investment opportunity.

60 50 40 30 20 10 0 Stock Mutual fund Commodities All of the above Percentage

No of Respondents

Table 15 Type of trading preferred by respondents Type of trading No. of respondents Percentage

Intraday trading Carry forward trading Total

20 30 50

40% 60% 100

Interpretation and analysis From the above table it is seems that 60% of respondents prefer the most carry forward trading and 40% of respondents prefer table we can infer that karvy investors are long term traders usually prefer long term investments. Graph 15: Graph showing type of trading preferred by respondents.

60 50 40 30 20 10 0 Itraday Trading Carry Forword Trading Percentage

No of Respondents

Table 16 Risk tolerance level of respondents Risk level Very high Average Moderately high Very low Moderately low Total No. of respondents 20 14 10 06 50 Percentage 40% 28% 20% 12% 100

Interpretation and analysis The above table shows that 40% of respondents are average risk takers, 28% of respondents are moderately high risk takers, 20% of respondents are very low risk takers and 0% of respondents are very high risk takers. Graph 16: Graph showing risk tolerance level of respondents.

40 35 30 25 20 15 10 5 0
Very high Average Moderatly High Very Low Moderatly Low

No of Respondents

Percentage

Table 17 Similarities equity and commodities market Similarities type Yes No Total No. of respondents 08 42 50 Percentage 16% 84% 100

Interpretation and analysis From the above table it is observed that 84% of respondents not find similarities between equity and commodity and 16% of respondents find similarities. From this we can in for that the respondents are not find any similarities between equity and commodity. Graph 17: Graph showing similarities between equity and commodity market.

90 80 70 60 50 40 30 20 10 0 Yes No of Respondents No Percentage

Table 18 Strategies helpful while trading in shares. Strategies Hedging Arbitraging Speculation Spreading All the above Total No. of respondents 16 02 06 08 18 50 Percentage 32% 04% 12% 16% 36% 100

Interpretation and analysis From the above table it is found that 36% of respondents through all the above strategies are

helpful while trading in shares followed by 32%, 16%, 12% and 04% respondents in hedging, spreading, speculation and arbitraging respectively. Graph 18: Graph showing strategies helpful while trading in shares.

40 35 30 25 20 15 10 5 0
Hedging Arbitrage Speculation Spreading All of the above

East

West

Table 19 Average investment made by the respondents every year. Average investment Less than 5000 5000 50000 50000 100000 Above 100000 Total No. of respondents 0 24 18 08 50 Percentage 0% 48% 36% 16% 100

Interpretation and analysis

The above table shows that 48% of respondents investment range is between 5000 50000 every year 36% of respondents investment range is between 50000 100000, 16% of respondents invest above 100000. Every year and no percent of respondents invest less than 5000. Graph 19: Graph showing average investment made by the respondent every year.

50 45 40 35 30 25 20 15 10 5 0

Less than 5000

5000-50000

50000-1Lakh

A bove 1lakh

No of Respondents

Percentage

Table 20 Yearly percentage of yield from respondent current investment Yield Up to 20% 20% - 40% 40% - 60% Above 60% No. of respondents 38 12 0 0 Percentage 76% 24% 0 0

Total

50

100

Interpretation and analysis The above table shows that 76% of respondents earn up to 76% of returns from their current investment and 24% of respondents earn 20% 40% of returns. Graph 20: Graph showing yearly percentage of yield from respondents current investments.

80 70 60 50 40 30 20 10 0

Up to 20%20% - 40% 40% - 60% Above 60% No of respondents Percentage

Table 21 Opinion regarding service charges charged by karvy Opinion Very high High No. of respondents 02 10 Percentage 04% 20%

Moderate Low Total

34 04 50

68% 08% 100

Interpretation and analysis The above table shows that 68% of respondents opinion is that karvy charges moderate service charges 20% 0f respondents 20% of respondents tell that they charge high service charge 08% of them tell that they charge low service charge and 04% them tell that they charge very high service charge. Graph 21: Graph showing opinion of investors regarding service charges charged by karvy.

70 60 50 40 30 20 10 0 Very high High Moderate Percentage Low

No of Respondents

Table 22 Satisfaction level for provided by the karvy Satisfaction level

the

overall

services Percentage

No. of respondents

Yes Average No Total

42 04 04 50

84% 08% 08% 100

Interpretation and analysis The above table shows that 84% of respondents are satisfied with the overall services provided by karvy, 8% of respondents are satisfied with their services and 8% of respondents are not satisfied with their services. Graph 22: Graph respondents. showing satisfaction of

90 80 70 60 50 40 30 20 10 0

Yes

Average

NO Percentage

No Of Respondents

CHAPTER -5
Findings, suggestions and Conclusion Findings 1. The company had undertaken stock broking as a member of NSE and BSE. 2. As per age wise classification the respondents in the age group above 50 years were actively participating in market. 3. Behavior on the secondary market was more dominated by male respondents, male respondents comprised 84 percent. 4. Graduates comprising 60 percent of total respondents were interested to invest their money in equity market (share). 5. It is found that 32 percent respondents were salaried, businessman and others participating in shares market. 6. It is found that 16 percent of respondents were having annual income 2 lakh-3lakh and above 3 lakh across all age groups. 7. It is found majority of respondents invest for short-term period. 8. It is found that majority of respondents prefer to invest their savings in shares (equity). 9. It is found that 64 percent of respondents were occasional and 36 percent of respondents regular investor. 10. It is found that 68 percent of respondents consider the factor risk & return while investing. 11. Majority of respondents had good knowledge of investments. 12. It is found that majority of respondents were informed about share market by television media, news paper, annual report, advisor and consultants. 13. It is found that majority respondents are not investing in port folio. 14. It is found that majority of respondents in the category investor. 15. It is found that majority of respondents informed about stocks, mutual fund and commodities.

16.

It is found that most of respondents preferred carry-forward trading. 17. It is found that majority of respondents were the average risk takers. 18. It is found that most of respondents not find any similarities between equity and commodity. 19. Most of respondents found that through hedging, arbitraging, speculation and spreading (all the above) are helpful while trading in shares. 20. Most of the respondents invested in the range of 5000-50000 rupees every year. 21. Majority of the respondents earned the yield ranging up to 20 percent. 22. Most of respondents opinion is karvy charges Moderate service charge. 23. Most of the respondents satisfied for the overall services provided by Karvy.

Suggestions
1. The dealers must co-operate with their clients to carry the relationship for a longer period 2. It is suggested that the dealers must assist in making a better portfolio with risk level acceptance to the investor in terms of market capitalization. 3. Timely information should be given by the company. 4. The company has to consider investors preference and advice. 5. Calls during market hours have to be improved. 6. The company has to concentrate much upon the maintaining relationship with investors. 7. Procedure of opening the demat account must be simplified so that many number of people will open the account and start investing.

Conclusion
Karvy Securities Limited. Is one of the best leading and largest stock broking houses in the country? It is a depository with national securities Ltd, (NSDL) and central depository securitys Ltd (CDSL) and also registered trading member of the Bombay stock exchange (OTCEI) and the counter exchange of India, it has a listed company. It has shown its efficiency in stock broking and consistency on the performance. Through there is stiff competition and frequent changes in the market has sustained its good performance. This can easily known by the primary data collected through field survey and its goodwill in the market. Trading delivery settlement system with adequate protection to investors

The study can be conclude that the company services have good image in market because it has passed investor are not left to perceive about services.

BIBLIOGRAPHY Books referred: Investment management(11th edition) -V K Bhalla Financial market and services -E Gordon and K.Natrrajan Derivative market - Dealers module work book (NCFM) Financial market - A Beginners module work book (NCFM)

WEBSITE: www.bseindia.com www.nseindia.com www.karvy.com www.google.com

ANNEXURE
Questionnaire Dear Sir/Madam, I am Siddayya Hiremath, pursuing my MBA 4th semester from GUrukul Institute of Management Sikkim Manipal University, under the curriculum of which I am entitled to do a project on

A Study on Investors Opportunities in Equity Market with Special reference to Karvy Gulbarga. Hence I request you to fill the questionnaire for which I will be thankful to you.

Personal Information
Name: Address: 1. Age group of investor Less than 30 years 30 40 years 40 50 years Above 50 years 2. Gender Male Female 3. Education qualification Under graduation Graduation Post-graduation 4. Occupation Salaried Business Professional Others 5. Annual Income Below 1 lakh 1 lakh 2 lakh 2 lakh 3 lakh Above 3 lakh 6. What is your investment pattern? Short term Medium term Long term

7. Where do you prefer to invest your savings? Bank

Post-office Shares Mutual fund

8. How often do you invest? Occasional Regular 9. While investing which of the below factors do you consider? Rate of interest Risk & Return Service Time Span 10. How do you rate yourself on knowledge of investments? Beginner Average Good Very good about 12. How do you keep informed yourself the stock market? Television media News paper Magazines, annual repots Advisor, consultants etc All the above

11.

Do you invest port folio or not? Yes No Do you belong to below category? Trader Investor Speculator

13.

14.

Which of the following you find better & growing investment opportunity? Stock Mutual fund Commodities All the above

15.

Which type of trading do you prefer? Intraday trading Carry forward trading

16.

Do you find the similarities between equity and commodity market? Yes No If Yes with respect to Price movements Information ( importer & exporter) Seasonal reports All the above while What strategies you think it is helpful trading in shares? Hedging Arbitraging Speculation Spreading All the above What is your risk tolerance level? Very high Average Moderately high Very low Moderately low

17.

18.

19.

On an average how much do you invest every year? Less than 5000 5000 50000 50000 100000 Above 100000 What is the yearly percentage of yield that you are getting from your current investment Up to 20% 20 40% 40 60%

20.

21.

Above 60%

What is your opinion regarding service charges charged by Karvy? Very high High Moderate Low

22.

Are you satisfied with services provided by Karvy? Yes Average No

the

overall

Respondent Signature