The project report, submitted by Prakhar Srivastava as part of his MBA degree, analyzes investment options and customer preferences in Lucknow. Key objectives include assessing various investment avenues, understanding consumer behavior, and making recommendations for investment strategies. The study highlights the importance of investor preferences, risk assessments, and the role of well-established financial services like Karvy in guiding investment decisions.

1. Summer Training Project Report
on
COMPARATIVE ANALYSIS OF
INVESTMENT OPTIONS AVAILABLE IN
THE MARKET AND CUSTOMER BUYING
PREFERENCE
Project Report submitted by:
PRAKHAR SRIVASTAVA
2011MB34

2. PROJECT CONCLUDED
AT:
HAZRAT GANJ BRANCH, LUCKNOW
Submitted in partial fulfillment for the Award of degree of
Master of Business Administration
SUBMITTED BY: - SUBMITTED TO:-
PRAKHAR SRIVASTAVA
DR. PEEUSH RANJAN AGRAWAL
2011MB34
(HEAD OF DEPARTMENT)
MBA 3RD SEM
Academic Year
2012-2013

3. OBJECTIVES OF THE PROJECT
• To understand all about different investment avenues available in India.
• To find out how the investors get information about the various financial instrument
• To find out how the investor wants to invest i.e. on his own or through a broker.
• To find out the saving habits of the different customers and the amount they invest in various
financial instruments.
• In which type of financial instrument they like to invest.
• How long they prefer to keep their money invested.
• What is the return that they expect from the investment?
• What are the various factors that they consider before investing?
• To find out the risk profile of the investor.
• To give a recommendation to the investors that where they should invest.
• To give a suggestion to the company where its funds lack in the market & how it should be
rectified.
• After all as a management trainee I will try to get some valuable knowledge from my seniors in
the organization as well as from my faculty guide which will help me in the future.
• To evaluate the consumer attitude towards saving and decision making regarding investments.

4. LIMITATIONS OF THE STUDY
• Total number of financial instrument in the market is so large that it needs a lot
of resources to analyze them all. There are various companies providing these
financial instruments to the public. Handling and analyzing such a varied and
diversified data needs a lot of time and resources.
• As the project is based on secondary data, possibility of unauthorized
information cannot be avoided.
• Reluctance of the people to provide complete information about them can
affect the validity of responses.
• Due to time and cost constraint study will be conducted in only selected area of
Lucknow.
• The lack of knowledge in customers about the financial instruments can be a
major limitation.
• The information can be biased due to use of questionnaires.

5. INTRODUCTION
TO THE
INDUSTRY

6. • The Stock Exchange, Mumbai, popularly known as "BSE"
was established in 1875 as "The Native Share and Stock
Brokers Association".
• It is the oldest one in Asia, even older than the Tokyo Stock
Exchange, which was established in 1878
• It is the first Stock Exchange in the Country to have
obtained permanent recognition in 1956 from the Govt. of
India under the Securities Contracts (Regulation) Act, 1956.

7. NSE (NATIONAL STOCK EXCHANGE)
• NSE was incorporated in 1992 and was given recognition as
a stock exchange in April 1993. It started operations in June
1994, with trading on the Wholesale Debt Market Segment.
• It has been playing a leading role as a change agent in
transforming the Indian Capital Markets to its present form.
• The Indian Capital Markets are a far cry from what they
used to be a decade ago in terms of market practices,
infrastructure, technology, risk management, clearing and
settlement and investor service.

8. INTRODUCTION TO

9. • KARVY, is a premier integrated financial services provider,
and ranked among the top five in the country in all its
business segments, services over 16 million individual
investors in various capacities, and provides investor
services to over 300 corporate, comprising the who is who
of Corporate India.
• The birth of Karvy was on a modest scale in 1981. It began
with the vision and enterprise of a small group of practicing
Chartered Accountants who founded the flagship company.
• KARVY----- with the help of highly qualified manpower,
cutting-edge technology, comprehensive infrastructure and
total customer-focus has secured for the position of an
emerging financial services giant enjoying the confidence
and support of an enviable clientele across diverse fields in
the financial world.

10. MILESTONES

11. ACHIEVEMENTS
• Among the top 5 stock brokers in India (4% of NSE volumes)
• India's No. 1 Registrar & Securities Transfer Agents
• Among the top 3 Depository Participants
• Largest Network of Branches & Business Associates
• ISO 9002 certified operations by DNV
• Among top 10 Investment bankers
• Largest Distributor of Financial Products
• Adjudged as one of the top 50 IT uses in India by MIS Asia
• Fully Fledged IT driven operations

12. MAJOR AREAS OF OPERATIONS
• Karvy Consultants Limited
• Karvy Stock Broking Limited
• Karvy Investors Services Limited
• Karvy Computershare Pvt. Limited
• Karvy Global Services Limited
• Karvy Comtrade Limited
• Karvy Insurance Broking Private Limited

13. INTRODUCTION
TO THE TOPIC

14. TYPES OF INVESTMENT OPTIONS
AVAILABLE IN THE MARKET
• Mutual Funds
• Bond/IPO’s
• Insurance
• Fixed Deposits
• Govt. Securities
• Real Estate
• Commodities

15. RESEARCH
METHODOLOGY

16. RESEARCH OBJECTIVE
• To analyze the COMPARATIVE ANALYSIS OF
INVESTMENT OPTIONS AVAILABLE IN THE MARKET
IN ACCORDANCE WITH THE CUSTOMER BUYING
PREFERENCE and their potential market among the
people of Lucknow City.

17. SAMPLING DESIGN
• Sampling Area : Lucknow city
• Sample Population : above 15,000
• Sample Size : 100
METHODS
• The method used in the research (survey) is of probability type
as we are unaware about the results. It can be either of the
side. It is area of Lucknow city under which we have to conduct
the research.
• The research is based on Convenience Method s. and the take
the sample from to various stock broking company.

18. RESEARCH DESIGN
• Research : Descriptive & Objective
• Data Source : Primary data
• Research Method : Survey Method
• Research Technique : Questionnaire
• Type of Questionnaire : Structured
• Type of Questions : Closed & Open ended
Questions
• No of Questions : 15

19. DATA
ANALYSIS

20. Ques 1. Do you know about the following Financial
Instrument?
92
100
Response Rate
76 76
80
60 54 54 62
40 56
20
0
Series1
Mutual Bonds/IPO' Fixed Govt. Commoditi
Insurance Real Estate
Funds s Deposits Securities es
Series1 92 76 76 54 54 62 56

21. Ques 2. How do you get information regarding these
Financial Instruments?
Response Rate
60
40
20
0
Advertisement Series1
Company Sales
Friends /
force
Relatives Magazines
/Newspaper
Company Sales Magazines
Advertisement Friends / Relatives
force /Newspaper
Series1 52 44 36 50

22. Ques 3. Ratings of Investment options as per the customer's
preference
Scale of preference
3
2
1
0
Series1
Mutual Govt. Real Commodi
Bonds Insurance FD IPO
Funds Securities Estate ties
Series1 3 2 2 3 2 1 2 1

23. Ques 4. Do you invest in Financial Instruments?
100
Response Rate
80
60
40
20
0
Series1
Yes
No
Yes No
Series1 87 13

24. Ques 5. Where do you invest your savings?
Response Rate
80
60
40
20
0
Series1
Fixed Mutual Post Commodi Derivativ
Equity Insurance Others
Deposits Funds Office ties es
Series1 74 26 36 40 46 48 16 26

25. Ques 6. What are the factors which you consider while
investing in any Financial Instrument?
Response Rate
80
60
40
20
0
Series1
Return
Regular
(capital Tax saving Liquidity Safety Risk
income flow
appreciation)
Series1 70 52 28 16 44 26

26. Ques 7. On what basis you will invest in any particular
Financial Instrument?
Response Rate
50
40
30
20
10
0
Series1
Past Fundamental/Te Market
Portfolio Fund Manager
Performance chnical Analysis Sentiment
Series1 38 50 10 40 44

27. Ques 8. How will you invest your money in any Financial
Instrument?
60
Response Rate
50
40
30
20
10
0
Series1
Yourself
Sub broker / Agents
Through banks
Yourself Sub broker / Agents Through banks
Series1 56 60 30

28. Ques 9. How long you prefer to keep your money in any
Financial Instrument?
Response Rate
60
40
20
0
Less than 6 Series1
months 6 months to 1
year 1 year to 3 year
More than 3
years
Less than 6 months 6 months to 1 year 1 year to 3 year More than 3 years
Series1 12 46 32 10

29. Ques 10. If you select a broker or agent then which broker company would you
select?
60
Response Rate
50
40
30
20
10
0
Series1
Kotak HDFC
Share ICICI Motilal Indiabull Angel Just
Karvy Securitie Marwadi Religare Securitie Others
Khan Direct Oswal s Broking Trade
s s
Series1 20 60 20 14 50 20 20 28 14 8 10 0

35. FINDINGS
• This is probably the most important question of the
questionnaire; the result of this question is that most of the
people think of (RISK TAKING ABILITY) because it is the
most crucial constraint. Next comes is the facilities given to
them under the funds and also the ROI (return on
investment). There are other factors also like time duration
of their investment and Company reputation in the market.

36. RECOMMENDATIONS
• Mutual Funds can also be offered as they have high risk profile.
Company should take initiative to get demat account of these
customers.
• The age group of 41-50 years, investors are from the 15,000-
20,000 Rs disposable income group. Investor in this group are
invested in Insurance sector, the primary focus of these investors
are retirement and time horizon is likely to be 6-9 years. This is
also good potential group for the retirement plan in ULIPs. Fixed
deposits can be a good option for them.
• In the survey there were lot of people who were in the age group
of above 60. For this group of people the company can target
Fixed deposits which gives continues return like monthly
interests so that they can keep on getting returns.

37. SUGGESTIONS
• Return on Investment is must but the risk also should be
minimizing at the same time.
• No one loves to lose his hard earned money therefore it
should be invested in safer place.
• Services are must for them and therefore the company
must also concentrate on this aspect.
• Good advisory services, secrecy of the data given to the
company as well as every people must treated as they all
are equal i.e. no biasness.
• Charges of the services provided to them should be
reasonable and viable.

38. CONCLUSIONS
• Karvy has enough number of branches all over India and therefore it is a
great advantage for the company and the company also planning to
expand its network.
• Karvy also provides the facility of trading in almost all the exchanges
and therefore whatever the customer demands the company has in its
package.
• The company also has a very good research team at its Head Office and
this is meant for the better working as well as for the customer of Karvy
only.
• The company also has the advantage of the existing customers where
their level of faith and their view about the company to the outside
world will be a helping hand for the company to expand its business.

39. REFERENCES
• (n.d.). Business Today. • www.karvy/about.asp. (n.d.).
• (n.d.). The Economic Times. • www.bseindia/about.asp (n.d.).
• (n.d.). The Mint. • www.nseindia.com (n.d.).
• (n.d.). Karvy Finapolis. • www.mcx.com (n.d.).
• Aswathapa, K. (n.d.). 3rd edition • www.ncdex.com (n.d.).
"Human Resource and Personnel • www.karvy.com (n.d.).
Management". New Delhi: Tata • www.icicidirect.com (n.d.).
McGraw-Hill Publishing Company Ltd.
• www.mutualfundsindia.com (n.d.).
• Cooper. (n.d.). 8th Edition "Business
Research Methods". New Delhi: Tata • www.nseindia.com (n.d.).
McGraw-Hill Publishing Company Ltd. • www.bseindia.com (n.d.).
• Kotler, P. (n.d.). The Millenium Edition • www.scribd.com (n.d.).
"Marketing Management". New Delhi: • www.mcx.com (n.d.).
Prentice Hall of India Pvt. Ltd. • www.equitymaster.com (n.d.).

40. THANK
YOU!