The document discusses the results of a study on investment preferences among 100 investors in Surat, India. It finds that most investors are aware of traditional investment avenues like bank deposits, mutual funds, gold/silver, and real estate. Moderate risk investment avenues like mutual funds are generally preferred. When choosing investments, safety and surety of returns are key factors. The study recommends that investors allocate funds to real estate, gold/silver and mutual funds to achieve higher returns with capital safety.

1. A STUDY ON COMPARATIVE ANALYSIS OF INVESTMENT OPTION
AVAILABLE IN THE MARKET ON THE BASIS OF CUSTOMER BUYING
PREFERENCE.
At
Devashish Securities Pvt. ltd
Submitted to
Parul Institute of Management & Research
Under the guidance of

2. • Oldest in Asia
• Nearly 200 years ago
• 24 stock exchanges
The Indian Equity market depends on three factors:
• Funding into equity from all over the world
• Corporate houses performance
• Monsoons
1) Bombay Stock Exchange (BSE)
2) National Stock Exchange of India Ltd. (NSE)
• Oldest in Asia
• Nearly 200 years ago
• 24 stock exchanges
The Indian Equity market depends on three factors:
• Funding into equity from all over the world
• Corporate houses performance
• Monsoons
1) Bombay Stock Exchange (BSE)
2) National Stock Exchange of India Ltd. (NSE)

3. • During June 1996 started
• Krishankant Desai and his son Ashish Desai
• BRANCHES: Navsari, Vyara, Surat, Mahuva, Valsad
• FRANCHISE: Palsana,Kamrej,Unai,Songadh,Surat,Bharuch,Nandurbar,Dehradun,Chandigadh,
Indore,Chapra,Mumbai,Nasik.
• MISSION
"To create enduring value for customers and stakeholders by providing total quality products &
Services at optimum cost, through creation of a strong, responsive and innovative organization and
strive constantly to improve ourselves, our team & our services to meet customer expectation“
• PRODUCT SERVICES
 Broking
 Share Bank (DEMAT)
 Fixed Income
 Postal Schemes
 Life Insurance
 Financial Planning
 KRC Evening KRC
 SERVICES

4.  What is investment?
 The money you earn is partly spent and the rest
saved for meeting future expenses. Instead of
keeping the savings idle, you may like to use
savings in order to get return on it in the future
is termed as investment.
 Investment Objectives
 The main investment objectives are increasing
the rate of return & reducing the risk, safety,
liquidity against inflation.

5. Where Investors
Are Invest has
Money
BANK
DEPOSITS
GOLD AND
SILVER
GOVERNMEN
T SECURITIES
MUTUAL
FUND
REAL ESTATEBONDS AND
DEBENTURES
INSURANCE
EQUITY
INVESTMENT
FIXED
DEPOSIT
 NEED FOR THE
STUDY:
 To educate investors who
are risk averse for trade in
derivatives Awareness
about the various uses of
derivatives can help
investors to reduce the Risk
and minimize the losses.
 Better knowledge about
how to invest our money
when and where?

6. • Primary objective:
To know the preference of investors for investment in various types of investment avenues.
• Secondary objective:
• To know the factors that investor consider while choosing an investment option.
• To know the percentage of salary an investor would like to invest.
• To know the percentage of return an investor expect from an investment.
• To identify the objective of saving of an investor.
• Research Design
 I have used descriptive research design. Because of it helps me to know the objective of
investors for investment. So using this research design I can achieve my research objective.
• Data Collection Method
 I have used both primary and secondary data.
• Data Collection Instrument
 Questionnaire is used for the collection of the data.

7. SAMPLING DESIGN
 Sampling method:
The convenience non random sampling method is used.
 Sampling Area :
Surat city
 Sample Size:
100
 Data analysis tools:
As it is descriptive research study, the data is of descriptive characteristic and hence
percentage method and graphs for representing the nominal scale data are used.

8. 1) Are you an investor?
Particular Frequency Percentage
Yes 100 100%
No - ---
Total 100 ---
100%
Yes No
Percentage
2) Are you aware about the following investment avenues?
Particular Frequency Percentage
Saving Account
25 13.23%
Bank Fixed Deposit
48 25.40%
Public provident Fund
16 8.47%
National Saving
Certificate 14 7.41%
Post Office Saving
41 21.69%
Government Security
45 23.81%
Total
189 100.00%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%

9. 2.1 Moderate Risk Investment Avenues:
Particular Frequency Percentage
Mutual Fund 56 33.94%
Life Insurance 39 23.64%
Debenture 38 23.03%
Bonds 32 19.39%
Total 165 100.00%
33.94%
23.64% 23.03%
19.39%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
35.00%
40.00%
Mutual Fund Life Insurance Debenture Bonds
2.2 High Risk Investment Avenues
38%
40%
22%
Equity Market Commodity Market FOREX Market
Particular Frequency Percentage
Equity Market
48 37.80%
Commodity Market
51 40.16%
FOREX Market
28 22.05%
Total
127 100.00%

10. 2.3 Traditional Investment Avenues
Particular Frequency Percentage
Real Estate 64 53.78%
Gold/ Silver 44 36.97%
Chit Fund 11 9.24%
Total 119 100.00%
53.78%
36.97%
9.24%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
Real Estate Gold/ Silver Chit Fund

11. 3) What do you think are the best options for investing your money?
Rank 1 2 3 4 5 Total Rank
Investment avenue
11 28 42 14 5 100
Percentage 11% 28% 42% 14% 5% 100%
Score 58 110 126 28 5 327 3
Moderate risk
investment avenue 55 31 9 2 3 100
Percentage 55.00% 31.00% 9.00% 2.00% 3.00% 100%
Score 277 124 27 8 1 437 1
High risk investment
avenue 10 16 22 18 34 100
Percentage 10% 16% 22% 18% 34% 100%
Score 50 62 66 36 34 248 4
Traditional
investment avenue 20 26 24 29 1 100
Percentage 20% 26% 24% 29% 1% 100%
Score 100 106 72 58 1 337 2
Emerging investment
avenue 1 1 3 22 73 100
Percentage 1% 1% 3% 22% 73% 100%

12. 4. What is the investment horizon you preferred?
Particular Frequency Percentage
Short-term investment
19 19.00%
Long-term investment
30 30.00%
Both
51 51.00%
Total
100 100.00%
19%
30%
51%
Short-term
investment
Long-term
investment
Both
5. Which factor do you consider most important while choosing an
investment option?
Particular Frequency Percentage
Return 24 24.00%
Diversification 2 2.00%
Safety 61 61.00%
Maturity 1 1.00%
Tax-Benefit 9 9.00%
Progressive Value 3 3.00%
Total 100 100.00%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%

13. 6. What is your investment objective?
Particular Frequency Percentage
Long-term growth 12 12.00%
Short-term growth 33 33.00%
Tax-Saving 3 3.00%
Future Expense 11 11.00%
Growth & Income 5 5.00%
Wealth Creation 12 12.00%
Earn Return 9 9.00%
Income & Capital Preservation 15 15.00%
Total 100 100.00%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
35.00%
7. What percentage of income do you invest every year?
Particular Frequency Percentage
0 to 15%
33 33.00%
15 to 30%
59 59.00%
30 to 45%
8 8.00%
Total
100 100.00%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%
0 to 15% 15 to 30% 30 to 45%

14. 8. At which rate do you want your investment to grow?
Particular Frequency Percentage
Steadily
3 3.00%
At an average rate
50 50.00%
Fast
47 47.00%
Total
100 100.00% 0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
Steadily At an average rate Fast
9. Do you have saving & investment target amount you aim for each year?
Particular Frequency Percentage
Yes
16 16.00%
No
58 58.00%
Total
100 100.00%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
70.00%
Yes No

15. 10. What is your saving objective?
Particular Frequency Percentage
Children education 26 26.00%
Retirement 15 15.00%
Children marriage 11 11.00%
Health Care 10 10.00%
Home purchase 2 2.00%
Other 36 36.00%
Total 100 100.00%
0.00%
5.00%
10.00%
15.00%
20.00%
25.00%
30.00%
35.00%
40.00%
11. How much Percentage of return do you expect from investment?
Particular Frequency Percentage
0 to 10%
2 2.00%
10 to 20%
10 10.00%
20 to 30%
36 36.00%
Above 30%
52 52.00%
Total
100 100.00% 0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
0 to 10% 10 to 20% 20 to 30% Above 30%

16. 12. How did you come to know about investment avenues?
Particular Frequency Percentage
News paper 8 8.00%
News channels 52 52.00%
Family & friends 6 6.00%
Internet 10 10.00%
Adviser 15 15.00%
Financial planner & other 9 9.00%
Total 100 100.00%
0.00%
10.00%
20.00%
30.00%
40.00%
50.00%
60.00%
News paper News
channels
Family &
friends
Internet Adviser Financial
planner &
other

17. • Most of the people are aware regarding nine investment avenues namely bank deposits, equity
investment, mutual fund, Gold/silver, saving account, insurance, real estate, Government Security.
• Investors get information about the various financial instruments like
8.00% source of investment advice into Newspaper
52% News Channels
6.00% Family And Friend
10% Internet
15.00% Adviser
9.00% Financial Planner.
• Most of people preferred moderate risk Investment Avenue as a best option for investing their
money.
• The objective of saving of investors, mainly they select long-term growth, growth and income,
Wealth creation.
• Safety and surety of return are together key objective behind investment in Saving Account 13.23%,
fixed bank deposits 25.40%, government securities 23.83%, insurance 23.48%, Public provident
Fund 8.47% .

18. • Return, safety, risk and marketability should be given more importance for
any investment avenue.
• Investors should invest their funds in Real Estate, Gold/silver, and Mutual
Fund for getting high return with safety of funds.
• Broking firms or companies should promote Commodity investment
aggressively for short term investment.

19. • Bank deposits and saving a/c are still dominating the field of investment
and gold/silver, real estate investment, insurance and equity investment are
growing quickly now days.
• Ratio of awareness to investment is lesser of equity compare to leading
Investment Avenue namely bank deposits, mutual fund, gold/silver, real
estate and insurance.
• Most of people preferred moderate risk Investment Avenue as a best option
for investing their money.
• Small group of people are investing their fund in bonds, Debenture, Virtual
Real Investment, and Hedge Fund.

20. BOOKS:
• J.K.sachdeva,(lst Ed) "Business research methodology", Himalaya publishing house.
• Cooper, Donald R. & Schindler, Pamela S. Business Research Methods, Eight editions, Tata
Mcgraw-Hill publishing Company Ltd.
WEB SITES:
• www.devashish.com
• www.moneycontrol.com
• www.bseindia.com
• www.nseindia.com
• http://beta.bseindia.com/static/about/introduction.aspx?expandabl
• http://beta.bsemdia.com/static/about/heritage.aspx?expandable=0
• http://www.edelweissfa.com/edelweiss/content/ana_mutualfunds.js
• http://www.nseindia.com/global/content/about_us/corporate_struct ure.htm
• http://www.nseindia.com/ global/content/about_us/about_us.htm
• http://www.moneycontrol.com/fixed-income/
• http://www.moneycontrol.com/fixed-income/banks-deposits/
• http://www.scribd.eom/yoursrakeshreddy/d/31128326-An-Analysis of Investors-behaviour-on-
various-investment-avenues-in-india