The document discusses various sectors in the Indian financial system including banking, stock market, mutual funds, real estate, gold, public provident fund, post office savings, and life insurance. It provides an overview of each sector along with their key merits and demerits as investment options. The banking sector section specifically outlines various types of banks, benefits of banking such as savings and security, and potential downsides like low returns.

1. FINANCIAL
SECTOR
RIDDITHA TALAKOKKULA

2. SR.NO PARTICULAR PAGE NO
1 FINANCIAL SECTOR 3
2 BANKING SECTOR 4
3 STOCK MARKET 6
4 MUTUAL FUND 8
5 REAL ESTATE 10
6 GOLD 12
7 PPF 14
8 POST OFFICE SAVING 16
9 LIFE INSURANCE 18

3. FINANCIAL
SECTOR
 The financial sector provides
financial services to people and
organization.
 The financial sector consists of
many different industries ranging
from Banking Sector, Stock
Market, Mutual Fund, Real Estate,
Gold, Public Provident Fund (PPF),
Post Office Saving, Life Insurance.

4. BANKING SECTOR
 It Is Regulated By Reserve Bank Of India (RBI),
 It is most concerned with direct saving and advances.
 It is provided by different
 Commercial bank
 Community bank
 Cooperative bank
 Specialized bank..etc

5. BANKING SECTOR
MERIT
 SAVING & SECURITY
 AVAILABILITY of LOANS
 EASY LIQUIDITY
 ECONOMIES OF LARGE SCALE
OPERATIONS
 FIXED ASSURED RETURN
 BANKING FACILITIES IN BACKWARD
AREAS
DEMERIT
 LOW RETURN
 THE PROBLEM OF MANAGEMENT
 TAX BENEFITS
 PENATLY ON PREMATURE WITHDRAWAL

6. STOCK
MARKET
 Buyers And Sellers Of
Stocks(also Called Shares)
 Stocks Are Also Called Shares
Or A Company's Equity.
 A Stock Is A Financial
Instrument That Represents
Ownership In A Company

7. STOCK MARKET
• HIGH CHANCE OF RETURN
• REGULATED SECTOR( SEBI)
• EASY TO BUY AND SELL
• FLEXIBLE INVESTMENT
• EASY LIQUIDITY
MERIT
• FLUCTUATION IN THE MARKET
• NO TAX BENEFIT
• LACK MARKET KNOWLEDGE
• INSIDE TRADING
DEMERIT

8. MUTUAL FUND
 A Mutual Fund Is An
Investment Where Many
Investors Pool Their Money To
Earn Returns On Their Capital
Over A Period
 Funds Is Managed By Fund
Manager Or Portfolio
Manager

9. MUTUAL FUND
MERIT
• REGULATED SECTOR(SEBI)
• LIQUIDITY
• EXPERT MANAGEMENT
• SAFETY
• FLEXIBLE INVESTMENT
DEMERIT
• SUBJECT TO MARKET RISK
• NO TAX BENEFIT
• COMMISSION CHARGE
• LACK OF MARKET
KNOWLEDGE.

10. REAL ESTATE
 Real estate is considered to
be its own asset class and
one that should be at least a
part of a well-diversified
portfolio
 Real estate has become a
popular investment over
the last 50 years or so.

11. REAL ESTATE
MERIT
SECONDARY INCOME
LOAN FACILITY
HIGH PURCHASE OF
PROPERTY
INFLATION
DEMERIT
LOW LIQUIDITY.
NO TAX BENEFIT
REQUIRES
MANAGEMENT AND
MAINTENANCE
COMMISSION
CHARGES

12. GOLD
 Gold investment is the best
investment when it comes to
considering precious metals
 Gold is generally considered a
solid commodity investment

13. GOLD
STATUS SYMBOL
HIGH IN DEMAND
LONG-TERM
STORE OF
VALUE
PROTECTION
AGAINST
UNCERTAIN
MERIT
LOW
RETURN
NO TAX
BENEFIT
STORAGE
ISSUES
MAKING
CHARGES
DEMERIT

14.  PPF (Public Provident Fund)
is a long-term investment
instrument.
 It works both as a pension
instrument as well as a risk-
free tax saving investment
PUBLIC PROVIDENT
FUND(PPF)

15. PUBLIC PROVIDENT FUND(PPF)
MERIT
 SAFEST INVESTMENT
 TAX BENEFITS
 ASSURED RETURNS
DEMERIT
 Longer lock-in period
 Less Liquid
 maximum limit

16. POST OFFICE
SAVING
 Post Offices have rolled out savings
accounts and schemes- from a regular
post office savings account, to a senior
citizen savings account, etc.

17. POST OFFICE SAVING
MERIT
 TRANSFERRABLE
 FLEXIBILITY
 NO PENALTY ON PREMATURE
WITHDRAWAL
 LOMG TERM BENEFITS
 EASILY ACCESSIBLE
DEMERIT
 NOT DIGITIZED
 UNFRIENDLY POST OFFICE
STAFF
 NO TAX BENEFIT

18. LIFE INSURANCE
 One of the best ways to overcome
the uncertainties in life and ensure
that you and your loved ones are
protected financially at the time of
adversity is to invest in good life
insurance

19. LIFE INSURANCE
MERIT
• SAFETY&
SECURITY
• REGULATED
SECTOR(IRDA)
• HIGH RETURN
• TAX BENFIT
DEMERIT
• HIGH PREMIUM FOR
AGED PEOPLE
• COMPLEX POLICIES
• NSURANCE COMPANIES
MAY NOT PAY THE
BENEFITS

20. Awesome words