Questionnaire

Email ID- _______

Gender:-

Male:

Female:

Age- _______
Education: _________________
Monthly salary 0-20000
20000-40000
40000-60000
60000-100000
100000 and above
Occupation

Salaried (Private sector)

Govt. sector
Self employed
Other

From how many years you

0-2
2-5
5-10
>10

Expenditure
Monthly expenses: ____________
(Rent, Food, Telephone & Other expenses, traveling)
Other expenses:_____________
(Dining, Entertainment, Gift, Etc.)

Do you know the difference between a debt and equity?

Yes
No

Have you planned about your finances and made any investments?
Yes
No
IF YES,
Financial Planning
From how many years have you been investing in financial markets?
0-1
1-3
3-5
More than 5
Where have you invested?
Equity (shares)
Mutual Fund
Bond
Fixed deposit
Gold
Real Estate
Post office schemes
PPF
Insurance
Other
Whom did you consult about investment?
Certified financial planner
Investment advisor
Insurance agent
Broker
Banks
Other:_________________
Did financial planning help in fulfilling your expectations?
Yes
No
Other:_____________
IF NO,

What are the reasons for not planning about our investment?
Lack of awareness
Lack of time
Other financial commitment
Other
Do you know about any investor education program, If yes have you attended it?
Yes, I have attended
Yes, I know but have not attended
I dont know about them
Do you need investor education for investing in financial market?
Yes
No

Are you interested in finding from this research?

Yes
No

Observations:
Gender-Wise Comparison:
To get the data we have used the help of Google forms and they were sent to
their G-mail Ids. Out of total sample of 92, there 66 male and 26 female, out of the
66 men, 37(56%) actively did some kind of financial planning and out of 26 women,
15(57.7%) planned their investment. Therefore we conclude that the level of financial
literacy and participation is limited, all though our research was on a small size of
92, we can take this representation of the whole, which we feel is similar condition or
in most places its even worse, because people dont care about financial planning,
they ignore the future prospects and just move on. In order to know the level of
penetration of financial literacy we can look at the number of trading accounts, as on
September 30 2015, the number of investor account were 14,106,428. This is very
small in a number to 1.25 billion population of India. Therefore lot of work needs to
be done in this area and at the same time efforts are being made by financial
institution i.e. RBI has launched an initiative in 2007, to establish financial literacy
and credit counseling centres throughout the country which would offer free financial
education to urban and rural population.

The pie-chart shows that majority of the people dont know about these kind of programs.
About a quarter of them have attended these but didnt bring what they learnt in these
programs into practice. This shows that although frequency and attendance in these
programs is quite high penetration and effectiveness are still concerns.

Age wise comparison

Although all the subjects in our sample belonged to 21-35 age category we wanted to see
what changes in investment pattern does marriage brings in. Marriage, we know increases
the number of dependents on the earning members of the family.We took 27 as the age of
marriage and divided the sample into two parts. First being thepeople who belonged to 2127 and rest belonging to the group 28-35.From our sample we get that there are 48 people
who belong to the first group i.e., belowage 27. Out of the 48, 20 people (41.67%) have planned
about their investments. Among the44 people who belonged to the second group, 32 people
(72.7%) participate in financialplanning process.