EXECUTIVE SUMMARY

This study was under taken at “Karvy Stock Broking limited.” At Tirunelveli
District. the study is mainly about stock broking. This study is to conduct an analysis of the
pattern of investment made by the investors at “Karvy stock broking limited” in share market.
This stock broking company helps the people to trade and create an awareness on share
market and make share market investment. The study of this conclusion part is to create an
awareness on share market and online trading.

The Karvy Group is a premier integrated financial services provider, ranked among the top-5
in the country across its business segments. The Group services over 70 million individual
investors in various capacities, and provides investor services to over 600 corporate houses.
Karvy Group established its presence through a wide network of over 450 branches, (or 900
offices) covering in excess of 400 cities and towns. Karvy covers the entire spectrum of
financial services, viz stock broking, depository participant, distribution of financial products
(including mutual funds, bonds and fixed deposits), commodities broking, personal finance
advisory services, merchant banking & corporate finance, wealth management,
NBFC, among others. The Group is professionally managed and ranks among the best in
technology, operations and research across the financial industry. The Karvy Group has
evolved over the last three decades and today it assumes many avatars.
 CHAPTER – I
INTRODUCTION
The Karvy Group is a premier integrated financial services provider, ranked among the top-5
in the country across its business segments. The Group services over 70 million individual
investors in various capacities, and provides investor services to over 600 corporate houses.
Karvy Group established its presence through a wide network of over 450 branches, (or 900
offices) covering in excess of 400 cities and towns. Karvy covers the entire spectrum of
financial services, viz stock broking, depository participant, distribution of financial products
(including mutual funds, bonds and fixed deposits), commodities broking, personal finance
advisory services, merchant banking & corporate finance, wealth management,
NBFC, among others. The Group is professionally managed and ranks among the best in
technology, operations and research across the financial industry. The Karvy Group has
evolved over the last three decades and today it assumes many avatars.

Karvy Group is a well diversified conglomerate and its

businesses straddle the entire financial services spectrum as well as data processing and
managing segments. With 30 years of rich experience and acumen, we have redefined the
financial domain by means of innovation, technology and customer centric approach. The
Group services over 70 million individual investors in various capacities and provides
investor services to over 600 corporate houses, comprising the best of Corporate India.

Karvy Stock Broking Limited is the broking arm of Karvy group. KSBL helps investors
construct a portfolio by factoring in their risk profile and future financial needs so that their
investments achieve an optimal balance between risk and returns. We have a combined
account facility that caters to all investment opportunities such as Equities, Derivatives,
Currency, IPOs, Mutual funds and NCDs. We are spread far and wide offering you wide
range of financial assets and personalized investment planning and solutions to make your
dreams come true.

Objectives
The objective of this report is specific. I have decided three objectives to fulfill my
requirement.
1. To seek experience and knowledge in financial services as a intern
2. To obtain practical implications of financial services and its products.
3. To compare Karvy and other financial companies providing financial services.
Scope

1. To know about the financial products and stocks of Karvy.

2. To know about the functioning of financial service companies

3. To know about the competitions of the Karvy.

Methodology

To prepare this report I have collected information from both primary and secondary data.

Primary Data – I directly collected the data from the field work and also collected few data
from the officials.

Secondary Data – The required information’s are obtained from the secured website
www.karvy.com.

Limitations

I tried my level best to enrich and complete this report although there are some limitations:

1. Due to company’s policy it is very unfortunate to have detailed and sufficient

information’s.

2. As this is my first attempt in preparing a report I had to face some difficulties while
preparing it.

3. Time being restricted to one month, it was very tough to get field experience and
gather information in detail.
 CHAPTER-II
COMPANY PROFILE

The Karvy Group is today a well diversified conglomerate. Its businesses

straddle the entire financial services spectrum as well as data processing and managing
segments. Since most of its financial services were retail focused, the need to build scale and
skill in the transaction processing domain became imperative. Also during stressed
environment in the financial services segment, the non financial businesses bring in a lot of
stability to the group’s businesses.

Karvy’s financial services business is ranked among the top-5 in the country across its
business segments. The Group services over 70 million individual investors in various
capacities, and provides investor services to over 600 corporate houses, comprising the best
of Corporate India.

The Group offers stock broking, depository participant, distribution of financial products
(including mutual funds, bonds and fixed deposits), commodities broking, personal finance
advisory services, merchant banking & corporate finance, wealth management, NBFC (loans
to individuals, micro and small businesses), Data management, Forex & currencies, Registrar
& Transfer agents, Data Analytics, Market Research among others.

Karvy prides itself on remaining customer centric as all times through a combination of
leading edge technology, Professional management and a wide network of offices across
India.

Karvy is committed to its quest as an Equal Opportunity Employer and believes in the rights
for differently-abled persons. We have over 12% employees who are challenged in some
form in one of our prominent businesses.

HR Polices and Recruitment Procedures

1.Recruitment and Selection Policy:

The upper level members like zonal managers, regions managers, branch managers and
senior executives are recruited by publishing recruitment advertisement in leading national
level newspaper. The qualified applicant are then called for interview and selected.
The regional manager has authority to select lower level employee like peon, marketing,
executives, accountant etc. By approval of zonal manager.

2.Training and Development:

Continuous training and upgrading technical, behavioural and managerial skills is a way of
life in Karvy. Karvy encourages employees to hone their skills regularly to enable them to
face the challenges of the changing requirements of customers that fit market up and down.

Training Needs analysis is done on a regular basis and systematic methodologies are ensured
that skills and capabilities of all employees are constantly upgraded to enable them to
perform in the challenging work environment.

New employee has given training under experienced employee. The new Employee work
under experience employee and observe his all activities. When company employs new
technology or there is any change in the working of company the training program is
arranged.

3.Employee Motivation:

Karvy’s employees are highly empowered. They don’t have to report an person of the same
branch but they report under level branch .E.e. Marketing executive of Jamnagar branch
directly reports senior Marketing executive of Baroda zonal office. If particular branch earn
certain profit then Karvy gives them special incentives.

Innovative Marketing and Advertisement Strategies

A. Market Positioning:

Market positioning statements of Karvy are “At Karvy we give you single window
service” and “We also ensure your comfort”.

So, Karvy focus on the customers who prefer almost all investment activities at same
place by providing number of various financial services. At Karvy a person can purchase
or sell shares, debentures etc. And help the person at same place like mutual fund,
insurance, fixed deposit, and Bonds etc. and help the person in designing his port folio.
By this way Karvy provides comfort to its customers.
 Karvy is also positioned according to ries and Trout.Karvy is promoted as a no. 1
investment product distributor and R & Tagent of India

Karvy uses demographic segmentation strategy and segment people based on their
occupation. Karvy uses selective specialisation strategy for market targeting. Target
person for the Karvy Stock Broking and Karvy investment service are persons who can
work as sub broker for the companies. Companies focus on advisors of insurance and post
office, Tax consultants and CAs for making sub-broker.

B. Marketing channel System:

Karvy uses one level marketing channel for investment product distribution. Sub-Brokers
work as intermediary between customer and company. Company has both forward and
backward flow of activity through channel. Company distributes, stationary, brokerage
and information forward to its sub-broker. The sub-brokers send forms, queries, amount
of investment etc.. back to the company.

C. Training Channel Members:

Karvy provides training to the sub-brokers because they will be viewed as the company
by the investors. The executives of Karvy explain various new schemes of investment to
the sub-brokers with its objective, risk factors and expected return. Company also
periodically arrange seminar to guide sub-brokers.

D. Advertising and Promotions:

The objective of advertising of Karvy is to create awareness about services of Karvy

among investors nd sub-brokers and increase sub-brokers of Karvy.

Company doesn’t give advertisement in media like TV, Newspaper, and Magazines etc.
Karvy’s advertisement is made indirectly by the companies associate with it. Karvy is R
&T agent of around 700 companies. They publish name, address and logo of Karvy on
their annual report.

Target market and Customers

Customers who are investing on bank deposits (6%) can be upgraded and can invest on
mutual funds (15%) and can get more profits. Customers will get more profit on investing
mutual funds. The company target is to attract customers who are investing on bank deposits.
Awards and Recognitions

Chairman of the diversified financial services group- Karvy, C Parthasarathy has bagged the
‘Entrepreneur of the Year’ award from the Telungana government for 2017. The award was
given for his contribution to IT sector in the state apart from employment generation.

2016

 Karvy Comtrade Limited received “Market Excellence Award, Commodities -

Metal” at the Zee Market Excellence Awards 2016.
 The SKOCH – BSE Order of Merit award and the SKOCH – BSE Aspiring
Nation award for KSBL’s efforts to educate, empower and help create an
enlightened corps of financial market investors

2014

KSBL won the "NSDL Star Performer Award 2014 for Highest Asset Value" the third time
consecutively.

Karvy Comtrade Limited won the prestigious ZEE Business Award for the "Best
Agricultural Analyst" in the fifth edition of India’s Best Market Analyst.

2011

Karvy Comtrade also bagged the ‘Broker with Best Corporate Desk for Commodity
Broking’ award at the Bloomberg UTV Financial Leadership Awards 2011

2010

KSBL won an award for being the ‘Largest E-Broking House in India’ by Karvy Stock
Broking Limited at the prestigious Dun & Bradstreet – BSE Equity Broking Awards 2010

Our mission

To be the leading and preferred service provider to our customers, and we aim to achieve this
leadership position by building an innovative, enterprising, and technology driven
organization which will set the highest standards of service and business ethics.
Our Vision

Company’s vision is crystal clear and mind frame very directed. “To be pioneering financial
services company. And continue to grow at a healthy pace, year after year, decade after
decade.” Company’s foray into IT-enabled services and internet business has provided an
opportunity to explore new frontiers and business solutions.

Objectives

To compare the service of KARVY STOCK BROKING Ltd. With

their competitors.

To find out potential customers for KARVY STOCK BROKING Ltd.

Competitors

Few Major competitors are:

1. India bulls

2. Motilal oswal securities

3. Religare

4. SSKI Ltd. (Sharekhan)

5. Bonanza securities

6. Kotak Securities

7. CIL Securities

8. Eastern Financiers

9. Unicon investment solutions

10.India infoline

11.Reliance Money

12.Shriram Insight
Social Responsibilities

Corporate Social Responsibility

1. PREAMBLE

Section 135 of Companies Act, 2013 mandates every company having a net worth of Rs. 500
Crore or more or revenue of Rs. 1,000 Crore or more or net profit of Rs. 5 Crore or more
shall constitute a Corporate Social Responsibility (CSR) Committee and the CSR Committee
is responsible for formulating Company’s CSR policy and monitoring the CSR programs and
their performance.

It is the Company's philosophy, firm belief and intent to effectively implement CSR and
make a positive difference to society. It recognizes that it cannot do it all; so that if there are
choices to be made, bias will be towards doing fewer projects with better outcomes and good
impact and will focus initiatives on communities in which the Company lives, operates and
particularly forming community whose development is the basic mission of the Company.

2. CSR POLICY

This Policy shall be read in line with Section 135 of the Companies Act 2013, Companies
(Corporate Social Responsibility Policy) Rules, 2014 and such other rules, regulations,
circulars, and notifications (collectively referred hereinafter as 'Regulations') as may be
applicable and as amended from time to time.

Karvy Computershare Private Limited (KCPL or ‘the Company’) believes that the actions of
the organization and its community are highly inter-dependent. Both on its own and as part of
Karvy Group, through constant and collaborative interactions with our external stakeholders,
KCPL strives to become an asset in the communities where it operates. As our Corporate
Social Responsibility (CSR) we actively implement projects and initiatives for the betterment
of society, communities, and the environment.
3. SCOPE AND APPLICABILITY

This policy shall be applicable to all CSR initiatives and activities undertaken by KCPL
either directly or through corporate foundations/trusts/other charitable organizations for the
benefit of different segments of the society.

4. OBJECTIVE OF CSR POLICY

The objective of this policy is to continuously and consistently:

To recognize and frame the segments the Company shall chase towards achieving its CSR
objectives.

 To formulate the modus operandi of the CSR activities and implementation of the
processes.
 Initiate projects that benefit communities.
 Encourage an increased commitment from employees towards CSR activities and
volunteering.
 Generate goodwill in the communities where KCPL operates or are likely to operate

5. Resources

Board of Directors
Corporate Social Responsibility Committee
CSR Council

The Corporate Social Responsibility Committee (‘CSR Committee’ Board level) is

responsible to formulate and recommend to the Board the CSR Policy indicating the activities
falling within the purview of Schedule VII to the Companies Act, 2013, to be undertaken by
the Company, to recommend the amount to be spent on CSR activities presented by the CSR
Council and to monitor the CSR Policy periodically. The CSR Council will be supported by
the CSR Secretariat at Head Office made up of cross-functional team, for implementation of
the approved projects.
CSR Committee:

The CSR Committee of the Board of Directors comprises of the following Members:

1. Mr. M. Yugandhar
2. Mr. C. Parthasarathy
3. Mr. James Wong
4. Mr. Chandra Balaraman

The following members are represented on the CSR Council:

1. Chief Executive Officer

2. Chief Financial Officer or Head of Finance & Accounts
3. Head of HR

6. RESPONSIBILITIES OF THE COMMITTEE

The responsibilities of the CSR committee include --

i. Formulating and recommending to the Board of Directors the CSR policy and
indicating the activities to be carried out
ii. Recommending the amount of CSR expenditure to be spent in the year
iii. Monitoring CSR activities periodically

7. MEETING OF THE COMMITTEE

The Committee shall hold meeting as and when required, to discuss various issues on the
implementation of the CSR Policy of the Company. The members would thrive to hold at
least two meetings in a financial year.

8. BUDGET AND ALLOCATION

For achieving the CSR objectives through implementation of meaningful and sustainable
CSR Projects, the CSR Committee will allocate for its Annual CSR Budget, 2% or more of
the average net profits of the Company made during the three immediately preceding
financial years, calculated in accordance with the relevant provisions of the Companies Act,
2013 read with the Companies (Corporate Social Responsibility Policy) Rules, 2014.
The Company may also make contributions to Corporate Foundations / Registered Trusts /
other charitable organizations (NGO’s) towards its corpus for projects approved by the
Board. The CSR Committee will approve the CSR budget annually on receiving the
recommendations from CSR Council.

The Company may build CSR through Institutions with established track records of at least 3
financial years.

9. VOLUNTEERING OF EMPLOYEES FROM THE ORGANIZATION

The Company will encourage and recognize its employees for volunteering with the spirit of
serving and sharing with the community.

The Company shall endeavour to increase employee participation at all levels in the
Organization, by encouraging employees to participate in the Company’s CSR activities.

10. FOCUS AREAS/GOALS

S. No. Goal area Actions

1 Eradicating Hunger Poverty, Karvy will work with various Non-profit

Mal nutrition organization, NGO, Registered societies that
pledge to feed poor people.

2 Healthcare Karvy will work with organizations working in

providing medical or health related projects such
as day care centres, Health and Sanitation
Development programs, medical camps

3 Development of art and culture Karvy will work with organizations working in
Protection of national heritage, art and culture
including restoration of buildings and sites of
historical importance and works of art; setting up
public libraries; promotion and development of
traditional arts and handicrafts
4 Promotion of Sports Conducting projects / programs promoting various
sports activities

5 Contribution/Financial Contribution to Prime Minister’s National Relief

Assistance Fund or any other fund set up by the Central
Government for socio- economic development
and relief and welfare of the Scheduled Castes, the
Scheduled Tribes, other backward classes,
minorities and women;

6 Underprivileged Children  Support NGOs for Underprivileged Child

Education Education · Scholarships for Children to admit
them in good schools Children selected at the
age of 10 years All expenses to be paid by the
foundation
 Tie-up with larger charity foundations(Harvard
Business School Education) If in day school,
support children with post school activities and
coaching
 Hand hold children till they are 18 years· This
can also be done through setting up a
foundation and doing this ourselves.
 Karvy Employees can also engage in helping
children in activities, counseling and coaching

7 Promoting, Employment  Contribute to work force productivity through

enhancing Vocational Skills academic, training and extension programs
 Support job placement and career progression
 Imparting vocational skills to impoverished
and unemployed youth
11. IMPLEMENTATION

 The CSR Committee shall provide guidance on the allocation of the CSR budget
among the thrust areas on an annual basis.
 CSR Projects will be undertaken based on the recommendation of the CSR Committee
to the best possible extent, within the defined Thrust Areas.
 KCPL’s support to any project will depend on the scale of the project and feasibility
of the project. The CSR Council has a formal process of evaluating and approving
CSR Projects.
 The CSR Council will evaluate the project progress and impact quarterly.

12. MONITORING PROCESS OF CSR ACTIVITIES

 The CSR Committee shall provide guidance on the allocation of the CSR budget
among the thrust areas on an annual basis.
 To ensure effective implementation of the CSR activity at each location, a monitoring
mechanism will be put in place by the CSR Council.
 Annual CSR Calendar activities will be cleared/ signed off by CSR Council.
 Any other donations will be cleared/ signed off by any one of the Managing Directors.
 Regional CSR Secretariat and Zonal CSR Secretariat will submit project requests to
HO CSR Secretariat and further necessary route will be followed.
 The CSR Committee will monitor and review on a periodical basis the progress of
CSR activities undertaken/ completed.
 All the CSR initiatives of the Company shall be reported in Directors’ Report of the
Company.
 In order to ensure transparency and communication with all stakeholders, the CSR
Council and Secretariats will document the details of the Company’s CSR initiatives
and CSR expenditure and ensure that the same are available in the public domain i.e.
the Annual Report and Website of the Company.

13. CRITERIA FOR IDENTIFYING CSR PROJECTS

While identifying the projects all efforts must be made to the extent possible to define the
following:
 a. Project objectives.
b. Baseline survey – It would give the basis on which the outcome of the Project would
be measured.
c. Annual CSR Calendar activities will be cleared/ signed off by CSR Council.
d. Implementation schedules- Timelines for milestones of the Project will need to be
prescribed.
e. Responsibilities and authorities.
f. Major results expected and measurable outcome.

14. CRITERIA FOR IDENTIFYING THIRD PARTY CSR ORGANIZATIONS

We may also undertake CSR projects through identified external agencies such as corporate
foundations/Registered trusts/other charitable organizations (NGOs) who would execute the
said Project on our behalf. In case of Project execution by them the following minimum
criteria need to be ensured:

 The NGO / Agency has a permanent office in India;

 The NGO is a registered society under Societies’ Registration Act / Public Trust Act/
not-for profit company under Section 8 of the Companies Act, 2013 (erstwhile Section
25 of the Companies Act, 1956);
 Possesses a valid Income-tax Exemption Certificate;
 The NGO has submitted a detailed project proposal and budget which has been
approved by the CSR Council.

The Company may also collaborate with other companies to undertake CSR Projects or
Programs, provided the CSR Committees of the respective companies are in a position to
report separately on such projects or programs.
MILESTONES

Product/Service Details

Demat,

Trading Account,

Pan

Mutual fund,

Bond,

Insurance,etc
 CHAPTER - III

ORGANISATION CHART AND DEPARTMENTS

Departments

1. Advisory and Dealing

2. Sales and Marketing

3. Client Registration Department

4. F & A

5. Pan

6. Mutual Funds

1. Advisory and Dealing

Advisory desk also know as dealing desk. The primary objective of the desk is calling and
updating clients regarding their existing port folio and provide new recommendation or
advice on stocks to buy. There are function many team and each team lead by a team leader.
The core target of the team is generate the revenue from active/non active/never trader or
dormant clients.

The team also recommends TPP products to the clients such as mutual funds, bonds,
insurance, etc..,

Team will update the calls to their mapped clients. Either clients can approach their advisors
by Dial / Toll free 18004198283. The call will be directly root to primary advisor of the
client.

Other than that client can also access these own online platform such as Web, Desktop,
Mobile app for placing buying or selling orders.

The client can contact branch or client can be directed to the branch for buying and selling
shares.

2. Sales and Marketing

They procure the core products and TPP products such as Demat account, Mutual Funds,
Insurance, Bonds etc..,

Sales executive are also called as financial advisers at all Karvy branches. Their KRA(Key
Result Area) are Achieving 8 NCA(New Client Acquisition) targets with margin of above Rs
20,000 Or freedom margin of Rs.1,999/Rs.2,999, MF(SIP) equal amount of 1000 per
application and minimum of 10 application per month.
3. Client Registration

Client can be registered using pan card, check leaf(signed and cancelled), Adhar number.
Demat account will be activated using this procurement. That account can be used to buy and
sell shares.

i) ORM

Online Registration System. In this registration system personal details and bank account
details will be updated. Pan card number and Adhar number will be registered to the demat
account.OTP will be sent to the Adhar registered mobile number. Scanned copy Pan Card,
Adhar card, cheque leaf, will be attached to the Demat account. User name and password can
be set when all the documents can be updated.

ii) SKYC

In this registration system application forms can be manually filled by the person. Photo
copy, adhar number, Pan card number can also be attached to the form.All the personal
details, bank account details will be filled. And photo copy of all the proof must be
submitted. Original cheque leaf will also be submitted.

iii) REKYC

The Demat account can be dormant if it has not been used for a period of one year. ReKYC
can be done to that in active account to reactivate it. For the reactivation process Pan card,
adhar card, cheque leaf can be given to reactivate the demat account.

5. Financial Accounting

The department calculate and work on working capital and listing the requirement of office
such as stationeries, computer peripherals etc.., Based on that finance department will do the
funding to the branch.

6. Pan

In this department Adhar card (photo copy) ,2 Photo, Signature, can be attached as proof.
And it can be uploaded in online through the online form registration system. Pan card will
be sent by courier to the address in the adhar address proof.

7. Mutual Funds

In Mutual fund the investment can be in lump amount or as monthly paying premium. For
investing in mutual fund the person can be having basic address proof like adhar card, photo,
pan card,(KYC method) etc.., Investment can be in regular or personal basis under specific
mutual fund Scheme. On Regular basis it can be done by a broker and brokerage can given to
the broker.
Organisational Chart

CEO/Director(S17)

Vice President(S16)

General Manager(S16)

Deputy General Manager(S14)

Assistant General Manager(S13)

Senior Manager(S12)

Manager(S11, S10)

Deputy Manager(S9, S8)

Assistant Manager(S7)

Executive(S6)

Officer(S8)

IRO(SA)

Management Trainee(S0)

Staff level(S1 to S5)

Employee Details

KSBL (Karvy Stock Broking Limited ) 5 MEMBERS

KDMSL (Karvy Data Management Service Limited) 3 MEMBERS

KCPL (Karvy Computer Share Private Limited) 1 MEMBERS

Machinery and Equipments

Tablet & Laptop for all financial advisers

Desktop/PCs for Branch operators/Terminal operators

 CHAPTER-IV

SWOT ANALYSIS

Introduction
SWOT analysis is a framework that is used in this report to evaluate company's
competitive position by identifying its strengths, weaknesses, opportunities and threats. It is
foundational assessments model that measures what an organization can and cannot do, and
its potential opportunities and threats. It analyzes the internal and external factors that impact
on the viability of the product, place or person.
Strengths Weakness
 Its Pricing power  Work inefficiencies are visible
 Single Window System  Weak Management
 It is monarch in the market  Cost Structure
 Cost Advantages
 Technology benefits
 Unique products
 Customer Loyalty
 Brand Name
Opportunities Threats
 Abundant chances for new technology  Beeline Broking Ltd
 New Services  Intense competition
 New Products  Government Regulations
 New Markets  Change in Tastes
 International Expansion  Substitute products
Strength
Pricing Power - Customers typically rebel against price increases by switching to competing
products, but if a company has pricing power, customers will continue using Karvy Stock
Broking Pvt Ltd’s products and services. Karvy Stock Broking Pvt Ltd has the ability to
charge customers higher prices. "Pricing Power will have a long-term positive impact on the
this entity, which adds to its value.
Cost Advantages - Lower costs lead to higher profits for Karvy Stock Broking Pvt Ltd. A
low cost leader can undercut rivals on price.
Technology - Superior technology allows Karvy Stock Broking Pvt Ltd to better meet the
needs of their customers in ways that competitors can’t imitate.
Unique Products - Unique products help distinguish Karvy Stock Broking Pvt Ltd from
competitors. Karvy Stock Broking Pvt Ltd can charge higher prices for their products,
because consumers can’t get those products elsewhere.
Customer Loyalty - When given a choice, customers are loyal to Karvy Stock Broking Pvt
Ltd. Instead of targeting all customers, Karvy Stock Broking Pvt Ltd only needs to target new
customers in order to grow their business.
Brand Name - A strong brand name is a major strength of Karvy Stock Broking Pvt Ltd.
This gives Karvy Stock Broking Pvt Ltd the ability to charge higher prices for their products
because consumers place additional value in the brand
Weaknesses
Work Inefficiencies - An inefficient work environment means that Karvy Stock Broking Pvt
Ltd’s goods and services are not being utilized properly.
Weak Management - Weak management increases business risks and reduces profits
for Karvy Stock Broking Pvt Ltd, because they are responsible for the health of the business.
Cost Structure - A weak cost structure means Karvy Stock Broking Pvt Ltd’s costs are high
in comparison to their competitors.
Opportunities
New Technology - New technology helps Karvy Stock Broking Pvt Ltd to better meet their
customer’s needs with new and improved products and services. Technology also builds
competitive barriers against rivals.
Online Markets - The online market offers Karvy Stock Broking Pvt Ltd the ability to
greatly expand their business. Karvy Stock Broking Pvt Ltd can market to a much wider
audience for relatively little expense.
New Services - New services help Karvy Stock Broking Pvt Ltd to better meet their
customer’s needs. These services can expand Karvy Stock Broking Pvt Ltd’s business and
diversify their customer base.
New Products - New products can help Karvy Stock Broking Pvt Ltd to expand their
business and diversity their customer base.
New Markets - New markets allow Karvy Stock Broking Pvt Ltd to expand their business
and diversify their portfolio of products and services "New Markets is a difficult qualitative
factor to defend, so competing institutions will have an easy time overcoming it.
International Expansion - International markets offer Karvy Stock Broking Pvt Ltd new
opportunities to expand the business and increase sales.
Threats
Bad Economy - A bad economy can hurt Karvy Stock Broking Pvt Ltd’s business by
decreasing the number of potential customers.
Intense Competitions - Intense completion can lower Karvy Stock Broking Pvt Ltd’s profits,
because competitors can entice consumers away with superior products.
Government Regulations - Changes to government rules and regulations can negatively
affect Karvy Stock Broking Pvt Ltd.
Change in Tastes - Consumers can change their tastes very quickly. Karvy Stock Broking
Pvt Ltd depends on knowing which goods and services consumers want.
Substitute Products - The availability of substitute products hurts Karvy Stock Broking Pvt
Ltd’s ability to raise prices, because customers can easily switch to another product or
service.

Observations and Conclusion

While doing my summer internship program I came to a conclusion that this training has
helped me much in getting the through knowledge about some of the stock broking
companies, how these companies against each other for getting the more market share, how
they are applying different marketing strategies to attract customers and making them
satisfied.

I came to know about the demat account, its benefits, how does it provides services the
customers of which I was totally ignorant when I started my project.

I gathered much more knowledge about Karvy Stock Broking Ltd. Its strategies, and how
every employees of it work hard to achieve the organisational goal I.e. achieve the maximum
market share through customer satisfaction.

One thing that I noticed during my field work that many people of INDORE not much more
awarded about the various financial products and services of Karvy which had to be there.
They are ignorant about demat account and lack of knowledge and information about it
scared them of investing money in share market. So to generate awareness among them
advertising campaign can result in fruitful results. Only a limited percentage of people are
enjoying investing money in share market in INDORE.

Lastly and not the least as a coin has two sides, Karvy has favourable and unfavourable
aspect is that it provides lot of benefits to its customers which some of its competitors fail to
provide and again less awareness about it among people is its negative side which hinders
them to invest their fund confidently.
BIBILIOGRAPHY
www.karvy.com
www.moneycontrol.com
www.ndtv
www.sebi.gov.in
www.nseindia.com