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The Executive Summary briefly describes the background of the study, the need
and importance of the study also included in this chapter is statement of to find out the
“investment behavior of individual investor” in Karvy Stock Broking Ltd, Bijapur.
The purpose here is to know, the extent of benefit of this study to the company.
The methodology used for the survey is stated and the conclusion is made. The benefits
from the research are also given here.
Methodology used by the researcher involves the survey method. The sample
technique used is Random sampling and sample size for the survey is 50. The company
profile and history and finally the tools used for data analysis are given.
The conclusion is made in such a way as to match the objectives and analysis.
Implications are also given which briefs about who benefits from the study. Finally
suggestions are mentioned for further research. Lastly the annexure contains a copy of
questionnaire, bibliography and other tools used for the research.
INTRODUCTION
Investments can be defined as the process of, “sacrificing something now for
prospect of gaining something later” or Investment is the “sacrifice of certain present
value for the uncertain future reward”. An Investment decision is a trade off between risk
and return. All investment choices are made at points of time in accordance with the
personal investment ends and in contemplation of an uncertain future. Since investment
in securities are revocable, investment ends are transient and investment environment is
fluid, the reliable bases for reasoned expectations become more and more vague as one
conceives of the distant future. Investment in securities will, therefore from time, re-
appraise and re-evaluate their various investment commitments in the light of new
information, changed expectations and ends.
Investment is the employment of funds on assets with the aim of earning income
or capital appreciation. Investment has two attributes namely time and risk. Present
consumption is sacrificed to get a return in the future. The sacrifice that has to be born in
certain the return in the future may be uncertain. This attribute of investment indicates the
risk factor. The risk is undertaken with a view to reap some return from the investment.
The problem of surplus gives rise ti the question of where to invest. In the past,
investment avenues were limited to real estate, scheme of the post office and banks. At
present, a wide verity of investment avenues is open to the investors to suit their needs
and nature. Knowledge about the different avenues are open to the investors to chose
investment intelligently. The required level of return and the risk tolerance level decide
the choice of investors. The investment alternatives range from financial securities to
traditional non-security investment. The financial securities may be negotiable or non-
negotiable.
The negotiable securities are financial securities that are transferable. The
negotiable securities may yield variable income or fixed income. Securities like equity
shares are variable income securities. Bonds, debentures, Indra Vikas Patra,
Kisan Vikas Patra, and money market yield a fixed income.
To the economist, investment is the net addition made to the nation’s capital stock
that consists of goods and services that are used in the production process. A net addition
to the capital stock means an increase in the buildings, equipments or investment. These
capital stocks are used to produce other goods and services.
INTERMEDIARIES:
Stock exchanges are intricately inter-woven in the fabric of nation economic life.
Of all the modern service institutions, stock exchanges are perhaps the most crucial agent
and facilitators of entrepreneurial progress. After the individual revolution, as the size of
business enterprises grew, it was no longer possible for proprietors or even partnership to
raise large amount of money required for undertaking entrepreneurial ventures, such huge
requirement of capital could only met by the participation of very large number of
investors, there number running into hundreds, thousands and millions, depending on the
size of the business ventures.
INVESTMENT CHARACTERISTICS:
3. Safety: The safety of an investment implies the certainty of return of capital without
loss of money or time. Safety is another feature which an investor desires for his
investments. Every investor expects to get back his capital on maturity without loss and
without delay.
The main investment objectives are to increase the rate of return and reducing the risk.
Other objectives like safety, liquidity, and hedge against inflation can be considered as
subsidiary objectives.
A) Return:
Investors always expect a good rate of return form their investments. Rate of
return could be defined as the total income the investor receives during the holding period
stated as a percentage of purchasing price at the beginning of the holding period.
B) Risk:
Risk of holding securities is related with the probability of actual return becoming
the expected return. The word risk is synonymous with the phrase variability of return.
An investment whose rate of return varies widely from period to period is more risky
than whose return that does not change much. Every investor likes to reduce risk of his
investment by proper combination of different securities.
1. Unsystematic risk
2. Systematic risk
Systematic risks arise due to political, economic, social factors it is also known as
controllable risks that is why it is External risk.
Investor plans for longer time horizon. Holding period may be from one year to
few years whereas speculator plans for very short period. Holding period varies from few
days to months.
The earliest records of security dealings in India were meager and obscure.
Towards the close of the 18th century, the East India company was the dominant
institution and business in its loan securities used to be transacted. The beginning of 19 th
century saw a perceptible increase in the nature of business in corporate stocks and
shares. However the main importance to the stock business came in 1856 when the
companies act providing for limited liability of members was enacted. This was followed
by a period of boom and crisis and formation of organized stock exchanges.
The American civil war (1860-61) resulted in the share mania of 1861-65 during
which the number of brokers increased to about 200-250 and they became possessed of
great influence, authority and wealth. Like the south sea bubble and tulip mania of the
18th century in Europe, the share mania of 1861-65 caused undesired desolation at the end
of the American civil war. Very few companies were solvent in Mumbai. The depression
was long and severe, but the share mania had certain lasting effects. The brokers
organized an informal association in 1875 which was later on formally established in
Mumbai on 3rd December 1887 as society to be called the “Native shares and stock
brokers association”. Expectation of liquid capital and the establishment of a regular
market in securities helped to take Mumbai what it is today “the chief center of the
money and capital markets” and “the financial capital of India”.
The cotton textile industry which established the primacy of Mumbai also
contributed to the development of the Ahmedabad share and stock brokers association in
1894. The stock exchanges at Mumbai and Ahmedabad were well set up property
organized association of the 20th century, but the Calcutta stock exchange was not so
constituted despite the fact that stock business in an organized way had been existing
since 1830.
The boom petered out in 1921 and Indian stock market went through a lean
period. The improvements in business conditions and in stock market activity in 1935
were marked by growing public interest in stocks, shares and securities. There was a
rapid increase in textile mils and many new plantations companies were floated in south
India. To cater to this expanding trade in plantation and mill shares, a stock was
organized in madras on 4th September 1937 under the name and style of the ‘Madras
stock exchange association (Pvt) Ltd’.
CAPITAL MARKET:
Capital is required to bring a business into existence, to keep it alive and see it
growing. Achieving the goal of business requires the performance of such business
function namely production, distribution, marketing, research and development all of
which involve investment of capital. Further, companies require capital not only for
meeting there long term requirements of funds for new projects, modernization,
expansion and diversification Programmes but also for covering operational expenses.
3. Export Capital: The amount of capital required for making payment in international
trade is called export capital.
4. Venture capital: venture capital is the capital invested in highly risky venture or
projects.
Capital market may be defined as the mechanism which co-operative the demand
and supply forces for long term capital. The participant on demand and supply side of this
market are financial institution, mutual funds, agents, brokers, dealers, borrowers and
lenders.
1. The new issue market or primary market: in the primary market the existing companies
or new companies offer shares/debentures to the public for subscription. The primary
market also includes the offer of securities to the existing share holders of the companies
on right and bonus basis. In the primary market the companies acquire long term funds
for meeting their requirements like project financing, expansion; modernization etc.
primary market creates financial claims. In this market the public can only buy the shares.
Parties involved in the primary market are the lenders and the barrowers. Merchant
bankers, registrars, issue companies, under-writers, bankers to the issue, public financial
institutions, mutual funds etc. are the major players in new issue markets.
2. The secondary Market: In the secondary market or stock market old issues are bought
and sold. In this market, the public can buy sell securities. This market does not create
financial claims. In this market the funds does not flow between barrowers and lenders
but fund flow between lenders and others/ buyers of security. The brokers, the investors,
mutual funds and the financial institution are the important constituents of the secondary
market.
b) Existing closely held or private companies are called existing unlisted companies .
c) A company is said to be an existing listed company if its shares are listed in the any
one of the recognized stock exchanges.
2. Structure of capital market in India: The structure of Indian capital market has
under gone a remarkable transformation over the last four and a half decades and now
companies an impressive network of financial institutions and new financial instruments.
The secondary market has become more sophisticated in response to the varied needs of
the investors. Provision of long term credit is entrusted with specialization financial
institutions. Of these IDBI, IFCI, UTI,LIC, GIC etc. Constitute the largest segment.
The various constitutes of capitals market are:
Equity Market
Debt Market
Government Securities Market
Mutual fund schemes
The security and exchange board of India, is the national regulatory body for the
security market, set up under the security and exchange board of India act, 1992, to
“protect the interest of investors in securities and promote the development of, and to
regulate, the securities market and for matters connected there with or incidental to”.
SEBI has its head office in Bombay and it is in process of setting up regional
offices in the metropolitan cities of Calcutta, Madras and Delhi. The board of SEBI
companies a chairman, two members from the central government representing the
ministries of finance and law, one member from the RBI, and two other members
appointed by central government.
As per the SEBI act 1992, the powers and functions of the board the regulations of
the stock exchanges and other securities market, registration and regulation of the
working of stock brokers, sub-brokers, bankers to an issue (a public offer), trusties of
trust deeds . the registers to an issue, under writers and such other intermediaries whom
may be associated with stock market in any way, promotion and regulation of self
regulatory organization, prohibiting fraudulent and unfair trade practices and insider
trading in securities markets, regulating substantial acquisition of shares and take over of
companies, under writing inspection, conducting inquires and audits of stock exchanges,
performing such function and exercising such powers as contained in the provisions of
the capital issues act 1947 and the securities contracts (regulations) act, 1956, laving
various fees and other charges, conducting necessary research for above purpose and
performing such other functions as may be prescribed from time to time.
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. KARVY covers the entire spectrum of
financial services such as Stock broking, Depository Participants, Distribution of
financial products - mutual funds, bonds, fixed deposit, equities, Insurance Broking,
Commodities Broking, Personal Finance Advisory Services, Merchant Banking &
Corporate Finance, placement of equity, IPOs, among others. Karvy has a professional
management team and ranks among the best in technology, operations and research of
various industrial segments.
The birth of Karvy was on a 1981. It began with the vision and enterprise of a
small group of practicing Chartered Accountants who founded the flagship company …
Karvy Consultants Limited. They started with consulting and financial accounting
automation, and carved inroads into the field of registry and share accounting by 1985.
Since then, theyhave utilized their experience and superlative expertise to go from
strength to strength…to better their services, to provide new ones, to innovate, diversify
and in the process, evolved Karvy as one of India’s premier integrated financial service
enterprise.
Thus over the last 20 years Karvy has traveled the success route, towards building
a reputation as an integrated financial services provider, offering a wide spectrum of
services. And they have made this journey by taking the route of quality service, path
breaking innovations in service, versatility in service and finally totality in service.
Their values and vision of attaining total competence in their servicing has served
as the building block for creating a great financial enterprise, which stands solid on their
fortresses of financial strength - their various companies.
With the experience of years of holistic financial servicing behind us and years of
complete expertise in the industry to look forward to, they have now emerged as a
premier integrated financial services provider.
And today, they can look with pride at the fruits of their mastery and experience –
comprehensive financial services that are competently segregated to service and manage
a diverse range of customer requirements.
They are the kiln that hones individuals to perfection. Be they their employees,
shareholders or investors. They do so by upholding their dignity & pride, inculcating trust
and achieving a sensitive balance of their professional and personal lives.
TEAMWORK
“None of us is more important than all of us.”
Each team member is the face of Karvy. Together they offer diverse services with
speed, accuracy and quality to deliver only one product: excellence. Transparency, co-
operation, invaluable an individual contribution for a collective goal, and respecting
individual uniqueness within a corporate whole, is how they deliver again and again.
RESPONSIBLE CITIZENSHIP
A social balance sheet is as rewarding as a business one. As a responsible
corporate citizen, their duty is to foster a better environment in the society where they
live and work. Abiding by its norms, and behaving responsibly towards the environment,
are some of their growing initiatives towards realizing it.
INTEGRITY
Everything else is secondary. Professional and personal ethics are their bedrock. They
take pride in an environment that enctheirages honesty and the opportunity to learn from
failures than camouflage them. They insist on consistency between works and actions.
To achieve and retain leadership, Karvy shall aim for complete customer
satisfaction, by combining its human and technological restheirces, to provide superior
quality financial services. In the process, Karvy will strive to exceed Customer's
expectations.
QUALITY OBJECTIVES
The joint venture with Computershare, reckoned as the largest registrar in the
world, servicing over 60 million shareholder accounts for over 7,000 corporations across
eleven countries spread across five continents. Computershare manages more than 70
million shareholder accounts for over 13,000 corporations around the world.
Having emerged as a leader in the registry business, the first of the businesses that
they ventured into, they have now transferred this business into a joint venture with
Computershare Limited of Australia, the world’s largest registrar. With the advent of
depositories in the Indian capital market and the relationships that they have created in
the registry business, they believe that they were best positioned to venture into this
activity as a Depository Participant. They were one of the early entrants registered as
Depository Participant with NSDL (National Securities Depository Limited), the first
Depository in the country and then with CDSL (Central Depository Services Limited).
Today, they service over 6 lakhs customer accounts in this business spread across over
250 cities/towns in India and are ranked amongst the largest Depository Participants in
the country. With a growing secondary market presence, they have transferred this
business to Karvy Stock Broking Limited (KSBL), their associate and a member of NSE,
BSE and HSE.
IT enabled services:
Their Technology Services division forms the ideal platform to unleash their
technology initiatives and make their presence felt on the Internet. Their past
achievements include many quality websites designed, developed and deployed by us.
They also possess their own web hosting facilities with dedicated bandwidth and a state-
of-the-art server farm (data center) with services functioning on a variety of operating
platforms such as Windows, Solaris, Linux and Unix.
Member - National Stock Exchange (NSE),The Bombay Stock Exchange (BSE), and The
Hyderabad Stock Exchange (HSE).
They offer services that are beyond just a medium for buying and selling stocks
and shares. Instead they provide services which are multi dimensional and multi-focused
Stock Broking services are widely networked across India, with the number of
trading terminals providing retail stock broking facilities. Its services have increasingly
offered customer oriented convenience, which they provide to a spectrum of investors,
high-net worth or otherwise, with equal dedication and competence.
To empower the investor further they have made serious efforts to ensure that
their research calls are disseminated systematically to all their stock broking clients
through various delivery channels like email, chat, SMS, phone calls etc.
Their foray into commodities broking has been path breaking and they are in the
process of converting existing traders in commodities into the more organized
mainstream of trading in commodity futures, both as a trading and risk hedging
mechanism.
In the future, their focus will be on the emerging businesses and to meet this
objective, they have enhanced their manpower and revitalized their knowledge base with
enhances focus on Futures and Options as well as the commodities business.
Depository Participants
The onset of the technology revolution in financial services Industry saw the
emergence of Karvy as an electronic custodian registered with National Securities
Depository Ltd (NSDL) and Central Securities Depository Ltd (CSDL) in 1998. Karvy
set standards enabling further comfort to the investor by promoting paperless trading
across the country and emerged as the top 3 Depository Participants in the country in
terms of customer serviced.
Offering a wide trading platform with a dual membership at both NSDL and
CDSL, they are a powerful medium for trading and settlement of dematerialized shares.
A 1600 team of highly qualified and dedicated professionals drawn from the best
of academic and professional backgrounds are committed to maintaining high levels of
client service delivery. This has propelled us to a position among the top distributors for
equity and debt issues with an estimated market share of 15% in terms of applications
mobilized, besides being established as the leading procurer in all public issues.
To further tap the immense growth potential in the capital markets they enhanced
the scope of their retail brand, Karvy – the Finapolis , thereby providing planning and
advisory services to the mass affluent. Here they understand the customer needs and
lifestyle in the context of present earnings and provide adequate advisory services that
will necessarily help in creating wealth. Judicious planning that is customized to meet the
future needs of the customer deliver a service that is exemplary. The market-savvy and
the ignorant investors, both find this service very satisfactory. The edge that they have
over competition is their portfolio of offerings and their professional expertise. The
investment planning for each customer is done with an unbiased attitude so that the
service is truly customized.
Advisory Services
Under their retail brand ‘Karvy – the Finapolis', they deliver advisory services to
a cross-section of customers. The service is backed by a team of dedicated and expert
professionals with varied experience and background in handling investment portfolios.
They are continually engaged in designing the right investment portfolio for each
customer according to individual needs and budget considerations with a comprehensive
support system that focuses on trading customers' portfolios and providing valuable
inputs, monitoring and managing the portfolio through varied technological initiatives.
This is made possible by the expertise they have gained in the business over the years.
Another venture towards being investor-friendly is the circulation of a monthly magazine
called ‘Karvy - the Finapolis'. Covering the latest of market news, trends, investment
schemes and research-based opinions from experts in various financial fields.
For this purpose they offer a comprehensive and personalized service that
encompasses planning and protection of finances, planning of business needs and
retirement needs and a host of other services, all provided on a one-to-one basis.
Their research reports have been widely appreciated by this segment. The delivery
and support modules have been fine tuned by giving their clients access to online
portfolio information, constant updates on their portfolios as well as value-added advice
Their quality professional team and their work-oriented dedication have propelled
us to offer value-added corporate financial services and act as a professional navigator for
long term growth of their clients, who include leading corporate, State Governments,
foreign institutional investors, public and private sector companies and banks, in Indian
and global markets.
They have also emerged as a trailblazer in the arena of relationships, both at the
customer and trade levels because of their unshakable integrity, seamless service and
innovative solutions that are tuned to meet varied needs. Their team of committed
industry specialists, having extensive experience in capital markets, further nurtures this
relationship.
Merchant Banker has been defined under the Securities & Exchange Board of
India (Merchant Bankers) Rules, 1992 as "any person who is engaged in the business of
issue management either by making arrangements regarding selling, buying or
subscribing to securities as manager, consultant, advisor or rendering corporate advisory
service in relation to such issue management".
Karvy is well networked with 200 full-fledged branches and 350 Investor Service
Centers with a workforce of over 3500 personnel drawn from various disciplines.
With its management team completely transferred to this new entity, they will aim
to enrich the financial services industry than before. The future holds new arenas of client
servicing and contemporary and relevant technologies as they are geared to deliver better
value and foster bigger investments in the business. The worldwide network of
Computershare will hold us in good stead as they expect to adopt international standards
in addition to leveraging the best of technologies from around the world.
Excellence has to be the order of the day when two companies with such similar
ideologies of growth, vision and competence, get together.
Nearly 40% of the top-notch AMCs including prestigious clients like Deutsche
AMC and UTI swear by the quality and range of services that they offer. Besides
providing the entire back office processing, they provide the link between various Mutual
Carrying the ‘limitless' ideology forward, they have explored new dimensions in
every aspect of Mutual Fund servicing right from volume management, cost effective
pricing, delivery in the least turnaround time, efficient back-office and front-office
operations to customized service. They have been with the AMCs every step of the way,
helping them serve their investors better by offering them a diverse and customized range
of services. The ‘first to market' approach that is their anthem has earned us the
reputation of an innovative service provider with a visionary bent of mind.
Issue Registry:
They have grown from being a pure transaction processing business, to one of
complete shareholder solutions.
Here they offer several delivery models on the understanding that business needs
are unique and therefore only a customized service could possibly fit the bill. Their
The finance and accounting function in any business has always been a restheirce
and time intensive activity. The advent of computing systems and technology has
enhanced the capabilities to handle volumes and reduce processing times; however the
need for expert administrative support for this non-core business activity has emerged as
a business opportunity for the qualified service providers in this field across the globe
Their services cover the entire spectrum of services ranging from high volume
transaction processing to high value financial analysis and reporting.
The team of financial experts at KARVY Global Services is fully conversant with
the financial processes and accounting systems and create value by their ability to
synergize domain knowledge with processing and technological expertise.
Head quartered:
KARVY Global Services is headquartered at Hyderabad, India and operates from
three global delivery centers in Hyderabad.
Their business development offices are located in New York, Chicago and
California in United States, Toronto in Canada and London in United Kingdom and
Horgen in Switzerland. E-mail us to know how they can serve you.
With the high quality infrastructure already in place and a committed Government
providing continuous impetus, it is the responsibility of us, the intermediaries to deliver
these benefits at the door-steps of their esteemed customers. With their expertise in
financial services, existence across the lengths and breadths of the country and an
enviable technological edge, they are all set to bring to you, the pleasure of investing in
this burgeoning market, which can touch upon the lives of a vast majority of the
population from the farmer to the corporate alike. They are confident that the commodity
futures can be a good value addition to their portfolio.
Their wide national network, spanning the length and breadth of India, further
supports these advantages. Further, personalized service is provided here by a dedicated
team committed in giving hassle-free service to the clients.
Methodology:
The study is based on the primary and secondary data which are collected through the
firms employee’s and clients of the organization.
Data required and collected, primary data is collected through personal interview and
secondary data is collected from internet sources, news papers, magazines published by
the organization.
Method of analysis:
The data collected from questionnaire were put together in the form of tables and
tabulated data are analyzed.
Percentage is calculated for each and every table. Analysis and interpretation is done on
the bases of primary data.
Inference is drawn from the analysis to represent in the form of bar charts.
The primary data is diagrammatically represented in the form of bar charts.
The summery of findings are recorded based on the analysis.
To study the investment behavior of individual have been carried out in Karvy stock
broking Ltd Bijapur.
Projects aims to relevant information of Karvy about the nature of the study the method
used in the research methodology of the study comprehensive background of the study,
the conclusion and suggestions inferred findings.
Graph - 1
Graph - 2
40
30
P e rc e n t
20
38
30
10
16 16
0
Up to Rs.5000 Rs.5000 - Rs. 15000 Rs. 15000 - Rs. 25000 Rs.25000 and above
MONTHLY INCOME
Graph - 3
100
80
60
Percent
100
40
20
0
YES
EXISTENCE OF KARVY
Graph - 4
40
P ercen t
30
42
20
38
10
10
6
4
0
ADS IN TV ADS IN NEWS WALL DUSPLAYS FRIENDS AND OTHERS
PAPER RELATIVES
MEDIAS THROUGH YOU COME
Interpretation: The above grape shows that 42% of respondent’s come to know about
karvy from friends and relatives, 38% are from ads and in news paper, followed by 10%
wall display, 6% from other media and 4% ads in TV.
Graph - 5
30
P e rc e n t
20
36
24
10 20
10
6
4
0
EQUITY COMMODITY MUTUAL FUNDS INSURANCE CONSULTANCY IPO SERVICES
TRADING TRADING SERVICES
FINANCIAL SERVICES OF KARVY
Interpretation: It is clear from table 5 that the majority of respondents (36%) are known
about equity trading; this is followed commodity trading (24%), mutual funds (20%), and
IPO service (10%), Insurance (6%). However, 4% of respondent are taking counsultancy
services
Graph - 6
100
80
60
Percent
100
40
20
0
YES
INVESTMENT PLAN IN FUTURE
Interpretation: It is clear from the above table that 100% of respondents are interested to
have an investment plan in future.
Graph - 7
100
80
P e rc e n t
60
88
40
20
12
0
YES NO
PREFERANCE OF KARVY FOR CLINT INVESTMENT
Interpretation: Graph 7 rivals that 88% of respondents are prefer to investment in Karvy
and rest of 12% of respondents wants to invest through other stock brokers.
Graph - 8
40
30
P ercen t
20
34
10
16
14 14
10
6
4
2
0
FIXED EQIUTY IPO COMMODITY GOVT MUTUAL INSURANCE OTHERS
DEPOSIT TRADING SECURITIES FUNDS
Interpretation: It is clear from graph that the majority of respondents (34%) had
investment plan in equity, followed by mutual fund (16%), (14%) each in IPO and
Commodity trading, 10% in fixed deposit, 6% in others, 4% in insurance and 2% in
government securities.
Graph - 9
60
50
40
P e rc e n t
30
54
20
10
16
14
12
4
0
PROVISION OF OLD CAPITAL CHILDERN TO EARN STABLE OTHER
AGE APPRECIATION EDUCATION AND REGULAR
INCOME
MOTIVATION OF INVESTMENT
Interpretation: Graph 9 rivals that the majority of respondents (54%) agree that the
motive of their investment is to earn stable regular income, followed by children
education (16%), capital appreciation (14%), provision of old age (12%) and other
motives (4%).
Graph - 10
40
30
P e rc e n t
20
34
22 22
10
12
6
4
0
WEEKLY MONTHLY QUARTERLY HALF YEARLY YEARLY NOT
INTERESTED
FREQUENCY OF INVESTING
Graph - 11
40
30
P e rc e n t
20
34
26
10
18
12
10
0
LESS THAN 1 YEAR 1 - 3 YEAR 3 -5 YEAR ABOVE 5 YEAR NOT INTERESTED
HOLDING OF INVESTMENT
Interpretation: It is clear from graph 11 that the majority of respondents (34%) hold
their investment for a period between 3 to 5 years, followed by (16%) more than 5
years, (18%) between 1 to 3 years, (10%) less than 1 year and (12%) of respondents have
not responded.
Cumulative
Frequency Percent Valid Percent Percent
Valid Up TO RS 30000 8 16.0 16.0 16.0
RS 30000 - 50000 17 34.0 34.0 50.0
50000 - 80000 13 26.0 26.0 76.0
80000 ABOVE 6 12.0 12.0 88.0
NOT
6 12.0 12.0 100.0
INTERESTED
Total 50 100.0 100.0
Graph - 12
40
30
P e rc e n t
20
34
26
10
16
12 12
0
Up TO RS 30000 RS 30000 - 50000 50000 - 80000 80000 ABOVE NOT INTERESTED
RANGE OF INVESTMENT IN ANNUALY
Interpretation: It is clear from graph 12 that 34% of respondents have invested in Karvy
an amount ranging Rs. 30000 to 50000, followed by (16%) in the investment slab 50000
to 80000, (16%) below Rs. 30000, (12%) of respondents have invested above Rs. 8000
and (12%) of respondents have not invested in Karvy.
1. The majority of investors are investing less than what they have saved
Hence their needs to promote savings schemes which can attract more
Investor to invest in various securities.
Stock markets are in boom today, every body wants to know and study about in
order to earn more and more money. Hence, stock market may be considered as a money
market. Potential for stock market is more but due to lack of knowledge people are not
ready to invest in such stock market.
The present study focused on various aspects of investment ins tock market
through Karvy. It is found that the potential investors are ready to invest through karvy
stock broking Ltd.
2. Indian Financial System by H.R Machiraju, Vikas Publishing house Pvt. Ltd.
Websites:
www.karvy.com
www.bseindia.com
1. Name:
Address:
Phone no:
2. Age:
3. Gender:
[ ] Male [ ] Female
4. Occupation:
[ ] Business man [ ] Professionals
[ ] Govt employee [ ] Students
[ ] Others specify
5. Monthly income:
[ ] Up to Rs.5000 [ ] Rs.5000-Rs.15000
[ ] Rs.15000-Rs.25000 [ ] Rs.25000 and above
16. Suggestions.