The document discusses financial planning strategies for salaried employees and tax saving. It outlines various investment options like fixed deposits, mutual funds, equity, gold, and real estate. It describes the financial planning process and pyramid. It provides strategies for tax savings under various tax code sections. It discusses the responsibilities and learnings from an internship at Karvy Stock Broking, including portfolio analysis, client activation, and understanding stock market fluctuations.

1. FINANCIAL PLANNING FOR SALARIED EMPLOYEES
&
STRATEGIES FOR TAX SAVING
SUBMITTED BY: MOHIT KUMAR
REGD. NO. – 11308217
SECTION: Q1303
SUMMER INTERNSHIP
PRESENTATION
ON

2. Internship Company: Karvy Stock
Broking Ltd…
 Karvy is a member of National stock Exchange (NSE), the Bombay stock Exchange (BSE),
and The Hyderabad stock Exchange (HSE). Market analysis and market predictions are
done by professional management team.
 KARVY as covering the spectrum of financial services such as stock Broking Services,
Advisory Services, Stock broking, Depository Participants, Distribution of financial
products – mutual funds, fixed deposits, equities, Insurance Broking Commodities Broking,
Personal Finance Advisory Services, Merchant Banking and corporate Finance, Placement
Finance, Placement of equity, IPO’s, among other.

3. Karvy Culture:
 Controlled and low-cost services culture
 Longer volume processing capability
 Adherence to strict time Schedule
 Expertise in coordinating Multi-Location Responses
 Expertise in managing independent entities such as Banks, Post-offices, etc.
 Pooling of Group Resources

4. Product & Services offered:
• Stock Broking • D-mat service
• Derivative services • Investment product distribution
• Investment advisory services • Corporate finance & merchant banking
• Income tax enabled services • Registrars & Transfer agents
• loans • Equity trading platform
• Mutual fund advisory and distribution • Insurance distribution
• Commodities trading platform • Portfolio management services

5. Objectives:
 Portfolio management
 New client activation
 Build good relationship with customers
 Promotional activities

6. Let us first know - what is Financial
Planning?
 Financial planning is the process of achieving your life goals by using
different investment options with your current resources through
proper and disciplined money management. So Financial Planning is
not only about money, but it is all about life, about fulfilling your
wishes, dreams, aspirations and your enjoyment in achieving them.
 There are only 3 major components in the Financial Planning process:
 Current Resources (CR)
 Investment Options (IO)
 Financial Goals (FG)
Financial Planning: CR + IO = FG

7. The Financial Pyramid:
Ideal Foundation
Investment
Debt Reduction
Emergency Fund
Insurance (protection)
Net worth, Cash Flow, Risk Tolerance
Goal
Insurance (Savings + Protection)
Investment
Wealth Creation
Emergency & Debt Planning
Protection/Risk Management
Foundation of Planning

8. Types of investments:
Investment
Guaranteed Return Investment
Fixed Deposit
Post-office
scheme
Provident Fund
PPF
Non-Guaranteed Return Investment
Equity
Mutual
Fund
Diversified
Equity Fund
Sectoral Equity
Fund
Stock
Market
Gold
Mutual
Fund
Physical
Form
Commodity
Mutual
Fund
Stock
Market
Real Estate

10. Financial Planning is an on-going
process...
Pre-work
Goal
Setting
Analysis
of current
situation
Risk
Profiling
Asset
Allocation
Implemen
tation
Regular
Monitorin
g
Rebalancin
g

11. And it secures you and your family’s
future...

12. Strategies for tax saving:
 Taxpayer deduction under Section 80C
 Deductions under Income Tax for HRA under Section 10 (13A)
 Exemption Under Section 80D, Section 80DD, and Section 80DDB
 Tax Planning Strategies for Home Loan
 Effective Tax Planning Strategy on Education Loan:
 Taxpayer Related Limitations Under Section 80CCG (RGESS)
 Tax Planning Strategies in India – Long Term Capital Gains
 Long-Term Capital Gains from Sale of Equity Shares
 Donations Exemption under section 80G

13. Responsibility at the time of
internship:
 Birthday calling
 Portfolio analysis
 New client activation
 Collection of data
 Doing meeting with clients
 Weekly call
 Service call
 Punching IPO’S online
 Recommending shares on call

14. Learnings:
 Fundamentals of stock brokerage
 Analyzing stock price fluctuations
 Hands on experience with ZEUS & NEST TRADE
 Portfolio analysis
 Lead generation
 Customer relationship management
 Various marketing strategies such as cold calling and canopy setups

15. Conclusion:
 Customer satisfaction is one of the core components needed to drive any company
towards success.
 A huge fraction of the investors in India are highly active in the stock trading market
because of the higher returns.
 Karvy gaining good response in the Demat field by providing good services.
 I come to know that services and returns got more importance than goodwill.
 In the last six months, it has opened the maximum number of Demat account at the time
of new public issues than any other companies.
 There is one another reason of its popularity is that they providing many financial
services at one place.

16. Results:

17. Thank You…….