I did my internship in sharekhan ltd and did my project report on saving and investment pattern of teachers in Hyderabad city - A Survey. In this presentation we can know about my internship details and on job training. in this slides we can know the saving and investment behavior of teachers in Hyderabad city. The survey is conducted by primary data

1. SAVINGS OF INVESTMENT PATTERN OF
TEACHERS IN HYDERABAD CITY
- A SURVEY
Name: KARTEEK CHEDADEEPU
Roll No: B10-006
PGDM BIFAAS
SSIM
ON JOB TRAINING:
Promotion and Sale of Demat account of Sharekhan Ltd
Faculty Guide:
Prof. Dr. L. Krishna veni
Professor

2. CONTENTS
 OJT
 Chapter I - Introduction
 Chapter II - Review of Literature
 Chapter III - Research Methodology
 Chapter IV - Data Analysis
 Chapter V - Findings & Conclusions
 Bibliography
 References

3. ORGANISATIONAL STUDY OF SHAREKHAN
 Sharekhan is one of the leading retail broking house of SHANTILAL SHEWANTILAL
KANTILAL ISWARNATH LIMITED (SSKI) Group which was running successfully since 1922 in
the country
 Sharekhan was launched first online website portal for online trading on Feb 8, 2000.
 Sharekhan is ranked 2nd largest stock broker portal and has its above 1200 branches in 575 cities in
India and the number of investor accounts with about 1.2 million clients.
 It introduces two types of trading accounts – speed trading. Trade tiger.
 Some of the clients include HSBC, Intel & Carlyle are the other investors,BPL Cellular Holding,
Gujarat Pipavav, Essar, Hutchison, Planetasia, and Shopper’s Stop.

4. STRENGTHS:
 Wide range of innovative financial
Products
Big client base
User friendly tie ups with 10 banks
Excellent order execution speed and
reliability
THREATS
 Aggressive promotional strategies by close
competitor like Religare, Angel Broking
and India bulls
 Entry of foreign finance firms in Indian
Market
 Lack of sufficient branch office for speedy
delivery of services.
OPPORTUNITIES:
 Improve Web based trading
 Focus on Institutional investors
 Concentrate on HNI (HIGH NET
WORTH INVESTOR)
 Educated people
WEAKNESS
 Lack of awareness among customer
 Less focus on customer retention
 Less exposure
SWOT ANALYSIS:

5. OJT TITLE: Promotion and Selling of Demat Accounts of Sharekhan Ltd
TARGETS:
 To promote the sales of the Demat Account
 To sell at least 5 to 10 Demat Accounts to the perspective investors in the Hyderabad city.
ACHIEVEMENTS:
 I talked with 400 new customers and the existing customers of Sharekhan Ltd from the data base provided
by corporate guide.
 I have educated the customers and sold 11 Demat accounts and surpassed the given target.
 I entitled to get stipend of Rs. 5,000
LIMITATIONS
 Faced language difficulty while talking to different customers.
 Some of the customers are not lifted the phone, and Some of them have not responded
 Some of the customers are impatient and reluctant towards my calling
 The practical difficulties involved in the promotion and selling of financial products and
services

6. Learning outcomes from IIP
Understood the share market
Interacted with 400 clients and promoted demat accounts
How to speak with customers and promote the products through cold
calling.
Understood the promotion of accounts through cold calling
Be patience to hear complaints/grievances from the customers.
Utilized my relatives, family friends, and my own friends to convince the
benefits of financial investments through demat account

7. INTRODUCTION
 SAVING Savings is the portion of income not spent on current expenditures.
 Y = C + S, where S = personal saving, Y = Real GDP and C - Real
Consumption Spending. Real GDP measures as a flow of earning is either
consumed or saved
 INVESTMENT The terms investment refers to the keeping our money in the
financial assets and keeping in somewhere else. The invested amount can
increased for the future. It may have return also.
 Household savings
 Government savings
 Corporate savings
Types of Investment Avenues

8. REVIEW OF LITERATURE
 Prof. Harshvardhan N. Bhavsar, stated that the study was to determine the relationship between the
savings and investments literacy among the school teachers. The study was done on the different
government and private school teachers. The main avenues of investment are Bank deposits and the
main purpose of investment is for children’s education, marriage, and security after retirement.
 Dr. Varsha Virani, exposed the study of the major impact on savings is due to the level of income of
the school teachers. This research shows that majority of the respondents are saving money as Bank
deposits for the safety of an unpredictable future. The main avenues of investment are Bank deposits
and the main purpose of investment is for children education, marriage, and security after
retirement.
 Dr. D. Umamaheswari, Ms. K. Suganthi, The study which it shows the low income of the teachers
have been saving for future needs. Today the teaching community has started realizing the
importance of money and money’s worth. The research shows that the majority of most of the
teachers are saving money as bank deposits, gold, post office deposits and LIC.

9. Research Topic
Savings and Investments Pattern of Teachers in Hyderabad City.
Objectives of the study:
 To examine the demographic profile of the respondents in the Hyderabad.
 To examine the saving and investment pattern of the teachers in the Hyderabad City.
 To understand the perceptions of the respondents on savings and investments of teachers in the field
of educational on Private and Government Employees.
RESEARCH METHODOLOGY
My study is based on the primary data using a questionnaire method. It consists of 26 questions
Sample size ---- 100 members
Type of sampling ---- convenient sampling
Area of study ---------- Hyderabad city
Period of study ---- 5th June 2017 to 1st August 2017
Tools applied in this study are as follows: The tools which were applied in this study are Percentage,
Averages, Pie diagrams, Bar Diagrams etc. using excel sheets.
Data Collection:

10. DATAANALYSIS
31%
27%
23%
19%
Age
20 - 30 31 - 40 41 - 50 Above 50
57%
43%
Male
Female
0% 20% 40% 60%
GENDER
GEND…
64%
36%
0%
20%
40%
60%
80%
Married Unmarried
MARITAL STATUS
5%
13%
46%
20%
12%
4%
EDUCATIONAL
QUALIFICATION
SSC
UG
PG
Professional
Others
Phd
0%
50%
100%
GOVERNMENT
PRIVATE
23%
77%
TYPE OF ORGANISATION
36%
28%
19%
17%
0% 5% 10% 15% 20% 25% 30% 35% 40%
Less than 5 Years
5 - 10 Years
10 - 15 years
More than 15 years
YEARS OF EXPERIENCE

11. 16%
55%
29%
LEVEL OF
DESIGNATION
Top Level
Middle level
Lower level
0%
20%
40%
60%
80%
100%
1 - 3
4 - 6
Above 6
40% 49% 11%
FAMILY SIZE
FAMILY SIZE
9%
48%
26%
17%
MONTHLY INCOME
Less than Rs. 10, 000
Rs. 10,000 to Rs.30,000
Rs. 30,000 to Rs.50,000
Above Rs. 50,000
0%
10%
20%
30%
40%
50%
Shopping
Savings
Investment
All of the
above
11%
39%
7%
43%
Spending Monthly Income
10 : 90
15%
20 : 80
16%
30 : 70
26%
40 : 60
21%
50 : 50
22%
proportion of savings and
expenditure
30%
10%
10%
10%
5%
10%
15%
5%
0% 10% 20% 30% 40%
Savings Account
(Fixed…
Shares, Bonds
etc., Mutual…
Shares, bonds
etc.
Mutual funds
Pension funds
Real estates
Precious Metals
(Gold, Silver,…
Others
Investment of Savings
Investment of Savings

12. Self-
Managed
62%
Stock
Brokerag
e
8%
Through
Bank
23%
Other
(Finan
advisor,
agents)
7%
Manage Investments
Below 15
27%
15 - 19
11%
19 - 25
29%
Above 25
33%
started saving and investment
18%
19%
9%
6%
30%
5%
9%
0% 5% 10% 15% 20% 25% 30% 35%
Purchase of Property
For children’s education
To Claim Income Tax Benefit
Purchase of vehicle
Purchase of Property, Marriage
of Children, For Children's
Education
Purchase of Property, To
Claim Income Tax Benefit,
Marriage of Children
Purchase of Property, To
Claim Income Tax Benefit,
Marriage of Children's…
Reasons for Saving
Reasons for Saving

13. Monthly Income % of Monthly Savings Grand Total
0 – 10% 10-20% 20 - 30% 30 - 40%
Less than Rs.10, 000 3 3 2 2 10
Rs.10,000 to Rs.30,000 11 17 10 12 50
Rs.30,000 to Rs.50,000 7 9 7 4 27
Above Rs.50,000 3 2 6 7 18
Relationship between monthly income and monthly saving
REASON FOR SAVING
Age group
20 - 30 30 - 40 40 - 50 50 above
Purchase of Property 11 5 5
For children’s education 1 3 11 7
To Claim Income Tax Benefit 5 2 1 1
Purchase of vehicle 6
Purchase of Property, Marriage of Children, For Children's Education 3 10 10 10
Purchase of Property, To Claim Income Tax Benefit, Marriage of Children 3 2 2 1
Purchase of Property, To Claim Income Tax Benefit, Marriage of Children's
Education
2 5 2 2

14.  There are many new investment avenues have entered the market. The awareness
needs to be created among the school teachers.
The school teachers need to understand the market situation and invest accordingly.
To create the saving habits among the school teachers the mode of saving needs to
be very attractive.
The school teachers should go for expert advice before investing.
The school teachers can also invest in long term securities like Debts, Commodities,
Securities
RECOMMENDATIONS/ SUGGESTIONS

15. www.Google.com
www.Sharekhan Ltd.com
www.wikipedia.org
www.Scholar.google.com
BIBILOGRAPHY
REFFERENCES
1. Prof. Harshvardhan N. Bhavsar, A Study of Saving and Investment Pattern of School Teachers with special
reference to Ahmednagar City, Maharashtra, IBMRD's Journal of Management and Research, Print ISSN: 2277-
7830
2. Dr. Varsha Virani, Saving and Investment Pattern of School Teachers – A Study with reference to Rajkot City,
Gujarat, National monthly refereed journal of research in commerce & management, volume no.2, issue no.4
ISSN 2277-1166
3. Dr.D.Umamaheswari, Asst.Prof., Ms.K.Suganthi, Investment Pattern and Savings of Teachers at Sirkali Town in
Tamilnadu, International Journal of Managerial Studies and Research (IJMSR) Volume 3, Issue 12, December
2015, PP 72-75 ISSN 2349-0330 (Print) & ISSN 2349-0349 (Online) www.arcjournals.org
4. T. Maheswari, Saving and investment behavior of rural household (With special reference to Coimbatore District),
International Journal of Multidisciplinary Research and Development Online ISSN: 2349-4182, Print ISSN: 2349-
5979, Impact Factor: RJIF 5.72 www.allsubjectjournal.com Volume 3; Issue 3; March 2016; Page No. 270-274
5. L. Pandiyan, Dr. T. Aranganathan, Savings and Investments Attitude of Salaried Class in CUDDALORE District,
IOSR Journal of Business and Management (IOSRJBM) ISSN: 2278-487X Volume 1, Issue 1 (May-June 2012),
PP 40-49 www.iosrjournals.org
6. Deepak Sood, Dr. Navdeep Kaur, ‘A Study of Saving and Investment Pattern of Salaried Class People with Special
Reference to Chandigarh (India)’, International journal of Research in Engineering, it & Social sciences (issn
2250-0588) (impact factor: 5.07, volume 5, issue 2, february 2015) website: www.indusedu.org