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 Project Report titled “Investment
awareness survey” is a result of my own work and my indebtedness to other
work publications, references, if any, have been duly acknowledged. If I am
found guilty of copying from any other report or published information and
showing as my original work, or extending plagiarism limit, I understand that I
shall be liable and punishable by the university, which may include ‘Fail’ in
examination or any other punishment that university may decide.

Enrolment no. - 1780705921321

Name – 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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4
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. Particulars Page No.

CHAPTER - 1 INTRODUCTION

1.1 Introduction of Spices

Industry

1.2 India and Spices

1.3 Current Scenario

CHAPTER - 2 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

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 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

CHAPTER – 5 DATA ANALYSIS &

DATA
INTERPRETATION

CHAPTER - 6 FINDINGS &

SUGGESTION

CHAPTER - 7 CONCLUSION

CHAPTER – 8 BIBLIOGRAPHY

* ANNEXURE

ANNEXURE-
QUESTIONNAIRE

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.

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 Major players of industry

World Level

14
Major players in India

15
16
 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 especially 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 e-
vouchers 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 decisions.

 Weakness

 Indians People are mostly preferring investing in gold. Sometimes some reason
behind people not doing investment in share market. Example- lake of knowledge,
lake of Time, lake of benefits and other many factors affected in share market. The
weak point of Indian stock broker is high risk. It is a kind of gambling where no
guarantee of return & some time it depends on luck.

 Opportunity

 Now a day high purchasing power increasing and people looking to more investment
opportunity.
 Day by day growing rural market and also aware about share market.
 This are good opportunity for urban youth earning.

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 Threats
o Stringent Economic measures by Government & RBI.
o Entry of foreign finance firms in Indian Market.

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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

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  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 non-
existent 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 every
company not provide SME IPO. So , this is good for the company.

Insurance

Investors are quite used to the idea of their shares & mutual funds being in the dematerialised
form. The experience has been wonderful & no longer does one have to worry about reams &
reams of physical documents. Considering the success of the dematerialisation of shares,
IRDA the insurance regulator came up with the initiative of maintaining insurance policies in
demat form.

Currency

As long as there is global trade there will be global capital flows & countries will encroach
into each other’s currencies. This necessitates the need for a vibrant currency market much
like there is a commodity market. The currency futures market is a derivative of movement of
exchange rate & interest rates.

Commodity

Beeline provide also commodity facility. so,it is good for the company. There is two type of
commodity provide.

(1) NCX
(2) MCDX

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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 &

28
adequately groomed person. Occasions of blind investments are scarce, as a majority of
investors are found to be using some source & reference groups for taking decisions.

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.

29
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 4th June to 18th 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

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 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

Total 100 100.0 100.0

Interpretation

The Distribution of customers on the Basis of the Occupation, Students are (44%) and
customers who have government organization are (7%) , private companies are (22%), Self
employed are (27%). So , as per survey that most of people have student and self employed.

Education

Education
Frequency Percent Valid Percent Cumulative
Percent
Non matric 1 1.0 1.0 1.0
Valid
std X/XII 12 12.0 12.0 13.0

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

Total 100 100.0 100.0

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 8 8.0 8.0 8.0
Fortnightly 16 16.0 16.0 24.0
Monthly 54 54.0 54.0 78.0
Valid
occasionally 9 9.0 9.0 87.0
Only IPO 13 13.0 13.0 100.0

Total 100 100.0 100.0

Interpretation

The Distribution of customers on the Basis of the often monitor investment fortnightly (16%)
, Daily(8%), Monthly(54%) , Occasionally(9%), Only IPO(13%).So , as per survey that most
of people have doing Monthly .

What percentage of your income do you invest?

Percentage_of_income_for_investment

38
 Frequency Percent Valid Percent Cumulative
Percent
0-15% 65 65.0 65.0 65.0

Valid 15-30% 35 35.0 35.0 100.0

Total 100 100.0 100.0

Interpretation

The Distribution of people on the basis of the percentage of income for investment, in that
people who have invest 0-15% investment between(65%), and 0-30% investment
between(35%).

Past how many years you are investing in share market?

39
 past_how_many_years_you_investing

Frequency Percent Valid Percent Cumulative

Percent
1-5 71 71.0 7 71.0
5-10 25 25.0 25.0 96.0
Valid
10 above 4 4.0 4.0 100.0

Total 100 100.0 100.0

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

Sector
Female 26 2.1282 .69189 .13569

Independent Samples Test

Levene's Test for Equality of t-test for Equality of

Variances Means

F Sig. T df

Equal variances assumed 6.385 .013 -.574 98

Sector
Equal variances not assumed -.500 35.306

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

Sector
Equal variances not assumed .620 -.07415 .14840 -.37533

41
 Independent Samples Test

t-test for Equality of Means

95% Confidence Interval of the

Difference

Upper

Equal variances assumed .18226

Sector
Equal variances not assumed .22703

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 Df Mean Square F Sig.

Between Groups 6.489 5 1.298 4.861 .001

Within Groups 25.097 94 .267

Total 31.586 99

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 agraee between take
decisions. Post-Graduate people are almost agree about the sector.

44
 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 fortnightly
(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.

46
 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

47
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

48
 Further to the study, Investment awareness does not only help in increasing the
investment but also help in investors being prudent enough to understand fraudulent
and/or risky nature of some investment avenues. As the research population spends
more of their time with computers and internet, digitalization of awareness programs
can help spread more awareness. Study concluded that the investors have a fair level
of awareness towards investment and external mediums needs to take additional step
to get this fair level of awareness to high level
\.
 Investment awareness survey is help of the understand the person behaviour regarding
investment. So , it is helpful industry. India scenario now a day huge market of share
market. This is opportunity of the earning some extra money . so , people have a
different dreams will complete in earning money. So , It is cyclical process. The
above study we can see that global market is very good better than India.

 So, we can see that many sector in india. Example- Auto-mobile , Telecom and etc..
so , People have a different things of investment. So , It is work sometimes luck. So,
sometimes people have a huge lose in market. So, all are thing share market is good
but we can identify the which share profitable. It is depend on company’s history.

49
` BIBLIOGRAPHY
http://www.beelinebroking.com/

http://www.topsharebrokers.com/discount/beeline-review/

http://shodhganga.inflibnet.ac.in/bitstream/10603/33046/12/12_chapter%202.pdf

http://shodhganga.inflibnet.ac.in/bitstream/10603/274/9/09_chapter%203.pdf

http://shodhganga.inflibnet.ac.in/bitstream/10603/274/9/09_chapter%203.pdf

https://www.investopedia.com/articles/fundamental-analysis/11/using-porters-5-forces-for-
stock-analysis.asp

http://www.angelbroking.com/

https://www.karvy.com/online-trading

https://www.kotaksecurities.com/

https://onlinelibrary.wiley.com/doi/abs/10.1111/j.1540-5915.1972.tb00535.x

50
 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 Strongly

agree disagree
Saving
account
Equity share
market
Mutualfund
Insurance
Commodity
IPO
others

9. What is your source of investment advice?

Strongly Agree Neutral Disagree Strongly

agree disagree

52
 Newspaper&
Magazine
Family or
friends
Financial
planner
Internet
News
channel
Books
Reference

10. What is your Investment Objective?

Strongly Agree Neutral Disagree Strongly

agree disagree
Income &
Capital
Preservation
Long Term
Growth
Short Term
Growth
Growth &
Income
Tax benefit
High return
Low risk

53
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
  JRG Securities
 Others

17. Which sectors do you invest in Share Market?

Strongly Agree Neutral Disagree Strongly

agree disagree
Bank &
Finance
Real estate
Oil
IT sector
FMCG
industry
automobie
Telecom
Chemical
Other

18. Are you into online trading?

 Yes
 No

19. Are you advising your friends & relative to invest in Share Market?

 Yes
 No

55