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Objective
• To identify the knowledge of the investor in
  Raipur city about investment option.
• To analyze the reason for choosing one
  particular financial instrument.
• To signify the best preferred option amongst
  different financial instruments.
• To study the investors objective towards
  choosing an option out of so many.
• To analyze the investment pattern preferred
  by investors.
Terms used in my topic
• Investment:- Investment is to commit money in order
    to earn a financial return.
•   Investor:- Investor is an individual who commits
    money to investment products with the expectation
    of financial return.
•   Needs of investors:-
•   Security of original capital
•   Wealth accumulation
•   Comfort factor
•   Tax efficiency
•   Life cover
•   Income
•   Simplicity
•   Ease of withdrawal
Terms used in my topic(contd.)

 • Preference:- one could interpret that the
   term “preference” to mean evaluative
   judgment in the sense of liking or disliking an
   object .
                         Or
 • Preference is an act of preferring, or the state
   of being preferred.
Financial instruments
 • Various financial instruments available in
   market which one could invest in are:
 • Equity
 • Commodity
 • Mutual fund
 • ULIP’s
 • Fixed deposit
 • Bonds
 • Saving bank account
 • NSC/KVP
Research methodology
• Sampling Technique
  Sampling method: convenient sampling
  Sample size:100
• Data collection
• Primary data collection
  primary data has been collected by interacting with
  100 respondents and made questionnaire filled by
  them.
• Secondary data collection
  The secondary data has been collected through
  various journals and websites.
Analysis
Do you invest in any type of financial instruments?
          INVESTORS OPINION FOR INVESTING IN FINANCIAL
                         INSTRUMENTS



                    20%

                                                         yes
                                                         no

                               80%
Analysis(contd.)
In which type of financial instruments do you invest?
          MOST PREFERRED FINANCIAL INSTRUMENT


           3%                               Equity
                  7%   12%      1%
                                            Commodity
                                            Mutual fund
         15%
                                            life insurance(ULIP's)
                                22%         Recurring deposit
                                            Saving account
                                            Fixed deposit
            28%           10%               Bonds
                             2%             NSC/KVP
Analysis(contd.)
 What parameters as mentioned below, you consider in
making the investments, rank them as per your preference.

     PARAMETERS CONSIDERED BY INVESTORS FOR MAKING INVESTMENT

    80

    60
                                                        1 Rank
    40
                                                        2 Rank
    20                                                  3 Rank
                                                        4 Rank
     0
            risk      liquidity   returns    ease of
          covering                          operation
Analysis(contd.)
What is the distribution of investment across different
                       securities?
  DISTRIBUTION OF INVESTMENT OF INVESTORS ACROSS DIFFERENT SECURITIES


                      other


       Equity and commodity
                                                           0-25%
      Mutual funds and fixed                               26-50%
            deposits
                                                           50 % above
   Government securities and
           bonds

                               0%   20% 40% 60% 80% 100%
Analysis(contd.)
 Reasons for not investing in any of the investment
                     options?
                  REASON FOR NOT INVESTING

                10%
                                    Lack of awareness
          15%            45%        Lack of time
                                    Fear factor
                                    Never thought of it
            30%
Analysis(contd.)
    What are your investment objectives?

      INVESTMENT OBJECTIVE OF INVESTORS


                 16%
                                   Short term profit
                                   seeking
      49%                          Growth and income

                                   Long term profit
                     35%
                                   seeking
Analysis(contd.)
 What pattern of investment do you prefer?

        INVESTMENT PATTERN PREFERRED BY
                  INVESTORS


                                    Low risk and
         24%                        return
                    35%
                                    Moderate risk
                                    and return
                                    High risk and
           41%                      return
Analysis(contd.)
      What is the source of your investment?

          SOURCE OF INVESTMENT PREFERRED BY INVESTORS
 80
 70
 60
 50
 40
 30
 20                                                      No. of respondent
 10
  0
       savings   Inherited Money Personal Margin
                  amount extracted borrowing financing
                            from
                           business
Findings
• Majority of respondents i.e.80% investors
  invest in financial instruments while remaining
  20% do not invest because of lack of time and
  lack of awareness.
• Most of the investors invest 25% amount in all
  the financial instruments and from this it is
  clear that people are not aware about the best
  investment option so they invest equal
  amount in all the securities.
• Investors objective for investment is earning
  long term profit.
Findings(contd.)
• Majority of respondents prefer saving account
  as investment option for investing but as
  every individual has not chosen only saving
  account as their investment option so mutual
  fund can be preferred as the second most
  preferred option among all financial
  instruments.
• Majority of the people prefer high risk and
  high return as a pattern of investment.
• Most of the investor’s look for higher returns
  while investing.
Suggestions
• Company should make people aware about the
  various investment option available in the market.
• Every client should be given a personnel assistance
  to give him/her a regular & consistent service.
• Karvy should conduct more surveys in order to
  interact with customer to know the preferences of
  the customer and also for improving its services.
• Client’s satisfaction and value retention should be
  given focused to maintain goodwill of the company.
• To prepare an effective marketing strategy a
  company must study its competitors as well as its
  actual and potential customer.
Further scope of study
• The research has been conducted at Raipur city only.
  Thus this research has a scope of being conducted with
  reference to India also.
• The research has been conducted by taking a particular
  income group that is middle upper and lower middle. It
  can be conducted to all the income groups.
• The sampling which has been taken for the research
  work is convenient sampling it can be done by taking
  purposive random sampling.
• Government can use such type of study to see the
  knowledge level of the investors and thus it can be of
  great use of generating future awareness by seeking
  different aspects for the investors.
• This study can be used by investment firms also.
consumer preference towards various financial instrument

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consumer preference towards various financial instrument

  • 1. Objective • To identify the knowledge of the investor in Raipur city about investment option. • To analyze the reason for choosing one particular financial instrument. • To signify the best preferred option amongst different financial instruments. • To study the investors objective towards choosing an option out of so many. • To analyze the investment pattern preferred by investors.
  • 2. Terms used in my topic • Investment:- Investment is to commit money in order to earn a financial return. • Investor:- Investor is an individual who commits money to investment products with the expectation of financial return. • Needs of investors:- • Security of original capital • Wealth accumulation • Comfort factor • Tax efficiency • Life cover • Income • Simplicity • Ease of withdrawal
  • 3. Terms used in my topic(contd.) • Preference:- one could interpret that the term “preference” to mean evaluative judgment in the sense of liking or disliking an object . Or • Preference is an act of preferring, or the state of being preferred.
  • 4. Financial instruments • Various financial instruments available in market which one could invest in are: • Equity • Commodity • Mutual fund • ULIP’s • Fixed deposit • Bonds • Saving bank account • NSC/KVP
  • 5. Research methodology • Sampling Technique Sampling method: convenient sampling Sample size:100 • Data collection • Primary data collection primary data has been collected by interacting with 100 respondents and made questionnaire filled by them. • Secondary data collection The secondary data has been collected through various journals and websites.
  • 6. Analysis Do you invest in any type of financial instruments? INVESTORS OPINION FOR INVESTING IN FINANCIAL INSTRUMENTS 20% yes no 80%
  • 7. Analysis(contd.) In which type of financial instruments do you invest? MOST PREFERRED FINANCIAL INSTRUMENT 3% Equity 7% 12% 1% Commodity Mutual fund 15% life insurance(ULIP's) 22% Recurring deposit Saving account Fixed deposit 28% 10% Bonds 2% NSC/KVP
  • 8. Analysis(contd.) What parameters as mentioned below, you consider in making the investments, rank them as per your preference. PARAMETERS CONSIDERED BY INVESTORS FOR MAKING INVESTMENT 80 60 1 Rank 40 2 Rank 20 3 Rank 4 Rank 0 risk liquidity returns ease of covering operation
  • 9. Analysis(contd.) What is the distribution of investment across different securities? DISTRIBUTION OF INVESTMENT OF INVESTORS ACROSS DIFFERENT SECURITIES other Equity and commodity 0-25% Mutual funds and fixed 26-50% deposits 50 % above Government securities and bonds 0% 20% 40% 60% 80% 100%
  • 10. Analysis(contd.) Reasons for not investing in any of the investment options? REASON FOR NOT INVESTING 10% Lack of awareness 15% 45% Lack of time Fear factor Never thought of it 30%
  • 11. Analysis(contd.) What are your investment objectives? INVESTMENT OBJECTIVE OF INVESTORS 16% Short term profit seeking 49% Growth and income Long term profit 35% seeking
  • 12. Analysis(contd.) What pattern of investment do you prefer? INVESTMENT PATTERN PREFERRED BY INVESTORS Low risk and 24% return 35% Moderate risk and return High risk and 41% return
  • 13. Analysis(contd.) What is the source of your investment? SOURCE OF INVESTMENT PREFERRED BY INVESTORS 80 70 60 50 40 30 20 No. of respondent 10 0 savings Inherited Money Personal Margin amount extracted borrowing financing from business
  • 14. Findings • Majority of respondents i.e.80% investors invest in financial instruments while remaining 20% do not invest because of lack of time and lack of awareness. • Most of the investors invest 25% amount in all the financial instruments and from this it is clear that people are not aware about the best investment option so they invest equal amount in all the securities. • Investors objective for investment is earning long term profit.
  • 15. Findings(contd.) • Majority of respondents prefer saving account as investment option for investing but as every individual has not chosen only saving account as their investment option so mutual fund can be preferred as the second most preferred option among all financial instruments. • Majority of the people prefer high risk and high return as a pattern of investment. • Most of the investor’s look for higher returns while investing.
  • 16. Suggestions • Company should make people aware about the various investment option available in the market. • Every client should be given a personnel assistance to give him/her a regular & consistent service. • Karvy should conduct more surveys in order to interact with customer to know the preferences of the customer and also for improving its services. • Client’s satisfaction and value retention should be given focused to maintain goodwill of the company. • To prepare an effective marketing strategy a company must study its competitors as well as its actual and potential customer.
  • 17. Further scope of study • The research has been conducted at Raipur city only. Thus this research has a scope of being conducted with reference to India also. • The research has been conducted by taking a particular income group that is middle upper and lower middle. It can be conducted to all the income groups. • The sampling which has been taken for the research work is convenient sampling it can be done by taking purposive random sampling. • Government can use such type of study to see the knowledge level of the investors and thus it can be of great use of generating future awareness by seeking different aspects for the investors. • This study can be used by investment firms also.