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1 8 Don Bosco College, Bangalore University By

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2 4 Presidency College , Bangalore University By

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3 9 a study on quality of work life of the employees

at baxter india private ltd alathur 1
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4 7 Presidency College , Bangalore University By

17YACMD107 - 2018, MRSA 1
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5 2 en.wikipedia.org
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 Software Displays Similarity Data
A STUDY ON PREFERENCE TO PROVISION FOR OLD AGE AMONG IT EMPLOYEES Synopsis submitte
d in partial fulfillment of the requirement for the award of the degree of MASTER OF BUSINESS ADMINIST
RATION OF BANGALORE UNIVERSITY Mohammed Azhar Reg No: 17YACMD106 Under the guidance of
Prof. Sreevas V T K CENTRE OF MANAGEMENT STUDIES Presidency College, Kempapura, Bangalore-560
024 Bangalore University 2017-2019 1 Chapter 1 Introduction 2 Introduction Investment is nothing but to circul
ate cash in the need for some advantage later on for example interest tuff merchandise, a land owned by admini
stration in business, assembling for in processing plans, in item advancement and the work which is innovative.
1
In any of the case the article centers explicitly around interest in budgetary resources. In finance returns is the
2
benefit that we get from the investment. It can be the sale of properties profit or an investment, or maybe some
3 2
investment income including dividends, income from rent, interest or maybe a combination of the tool. The pro
jected economic return is the properly discounted value of the future return. From the most dangerous, the investors
expect higher come-back. When an okay speculation is made the arrival is additionally commonly less. Particula
rly novices the investors, they are advised to adopt a certain investment strategy and diversify their portfolio. Overa
ll risk can be reduce by diversification because it has a strategically effect. The capital invested can be at risk as
the investor might lose sum of all of it whereas in saving the risk of loss in the value that is stated on a coin o
r a note is normally removed. Investment in the assets, stock and so forth. In the enormous game desire. Howe
ver, with the hazard of full size loss which is speculation entails degree of threats which is greater than most of
the traders would commonly don’t forget justified with the ad of the predicted return, and opportunity of a hyp
othesis is it’s short term, opportunities nature In the early times their were purchasers of stocks, bonds, and othe
r types of securities who were described in media, academia and commerce as speculators. By the end of the 1
950s the term investment was being denoted by the conservative end which was of the securities spectrum. Whil
e there were speculations applied by the financial brokers and the advising agency that they had to hire risk sec
urities much involve at that time. Hire risk ventures are now basically referred 3 to as speculation and speculato
rs. There are two types of investments existing: TRADITIONAL INVESTMENT In finance when you’re putting
money into a very well-known assets which are your bonds, real-estate, equity share and cash, and you’re expe
cting very high capital appreciation, high interest earnings and dividends, there are referred to as traditional inve
stment. ALTERNATIVE INVESTMANT when you’re making investment in assets classes other than your bond
s, cash and stocks. They are referred to as alternative investment funds. The term of alternative investment is a
relatively lose one and it mostly includes tangible assets which are the precious metals, wine coins, art, stamps
and antiques and also includes some financial assets which are commodities, crypto currencies, carbon credits, fi
lm production, venture capital etc…….. In the forestry and shipping when an investment is made it is also term
s as alternative investment. There are certain investment strategies: Analysis of financial reports of the issuer sh
ould be used to identify the undervalue securities to evaluate the securities Value investor’s employee earnings
per share and the sales growth which are the accounting ratios, to identify which all are the securities which are
getting traded at prices below them worth. The fundamental ratio of price to earning ratio is very significant an
d recognize because it has the function were it can divide the share price of the stock by its earning per share
When a certain stock has a lower PE ratio it usually cost less per share than the one which has a higher PE rati
o with the same level of financial performance. This means that a low PE ratio is the most preferred option 4 C
hapter 2 Background and objectives 5 OBJECTIVES To identify and analysis leading objectives of investing To
analysis the awareness of “IT employees” for creating provision for old age To assess portion of income can be
transferred for old age provision To draw findings and suggestion on the above analysis BACKGROUND IT S
ector in India The information technology (IT) is created from agencies that produce software program, hardwar
e or semiconductor gadget, or businesses that offer net or related offerings. The information technology (IT) sec
tor is constituted of organizations that produce software program, hardware or semiconductor equipment, or corp
orations that provide internet or associated services. The 3 foremost industry groups inside the IT sector are soft
ware and services, technology hardware and system and semiconductors and semiconductor system. These three
enterprise groups are further divided into industries and sub-industries. Companies are aligned to a selected sub-i
ndustry that first-rate describes their middle or maximum profitable business. In this manual, we are able to co
wl the diverse industries and sub-industries that make up the three predominant enterprise businesses in the IT a
rea. Information Technology industry in India includes two main components: - IT service & - Business process
outsourcing (BPO) 6 IT services (ITS): IT services refer to the software of business and technical knowledge t
o enable companies within the advent, control and optimization of or access to information and enterprise appro
ach. The IT services market may be segmented through the form of competencies which are employed to delive
r the provider (layout, construct, run). Business process outsourcing (BPO): Business process outsourcing (BPO)
is the contract between one enterprise sports and functions to the third-party provider. BPO’s offers include pay
roll, human resources (HR), accounting and client/call center members of the family. BPO categories are the fro
nt-office patron offerings (together with tech guide) and back- workplace enterprise capabilities (inclusive of bill
ing). Advantages of BPO’s : Business technique place and performance are more desirable. Employees may also
invest greater time in core commercial enterprise strategies to reinforce competitive advantage and value price c
hain engagement. Organizational growth will increase whilst capital resource and asset fees are not required, wh
ich averts complicated investment returns. Organizations aren't required to put money into unrelated number one
enterprise strategy assets, facilitating a shift in recognition to precise competencies. 7 BPO risk consist of: Data
privacy breaches Underestimated jogging expenses Overdependence on carrier vendor NEED TO STUDY The
main purpose of doing this project is to know about IT employees who is serious about their old age security R
esearch Design: A research design is an arrangement of condition for the collection and analysis of data in man
ner that aims to combine relevance to research purpose with economy in procedure. My research design is of C
ausal. Data Design: It involves different steps like the nature of data, the data source, the data frequency and th
4
e tool. 8 Capture 3 Training methods and Activities 9 An orientation class was held by our faculty coordinator f
or all the students and informed us about the project guidelines that have to be followed by the students to undergo th
5 6
e project. Students had to follow the same guidelines and there were guides allotted by to all the students. As the
4
guides were allotted the interaction with our guides provided us with guidelines and helped us understand the topic
and the process by with research should be conducted. We had several interactions with our guides that helped us to
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do the project and it helps to understand the process and to identify the research gap. These interactions helped to ac
hieve the objectives of the research and made us understand the statistical tool and the sampling designs that made us
 conclude and achieve the objectives of the study. 10 Chapter 4 Learning outcome 11 Learning outcome I notice th
at as per survey specify that fixed deposit and mutual fund investment is best choice for secure future provision
as fixed deposit give good return via interest by every bank. As per RBI all bank provide minimum interest of
5-7% for all fixed deposit. Investing in Mutual fund or regular trading in stock market gives good return investi
ng in debenture and preference share where people get good rate of return. Mutual fund is liquidity in nature wh
ich means that any time we can sell share at any point of time and get the principle amount. I learnt that Invest
ing in real state is very beneficial as the value of the property keeps increasing and also liquidity in nature. No
wadays the rent of the house is very expensive especially in Bangalore. IT employees are spending more percen
tage of income in paying rent. Purchasing or construction of house will reduce the burden to paying rent monthl
y as well as it would be like one time fixed investment were they can live forever also the value of the house g
8
row. 12 Chapter – 5 Data analysis and interpretation 13 Name: Gender Questionnaire Table 5.1 No of Respond
ents Percentage of Respondents Male 13 65% Female 7 35% Others 0 0% Total 20 100% Gender Male Female
Others Analysis: These are the findings from the survey which include the number of participants. This survey 1
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4 includes respondents who are working in IT sector. From the above table we can see that total 20 respondents
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in which 17 are males and 7 are female respondents. Age Table 5.2 No of Respondents Percentage of Respond
ents 20 - 25 10 50% 26 – 30 7 35% 31 – 35 2 10% 36 and above 1 5% Total 20 100% Age 12 10 8 6 4 2 0 2
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0 - 25 26 - 30 31- 35 36 and above Analysis: From the above table we can see that out of 20 respondents abou
t 50% respondents from 20- 25, 35% are from 26-30, 10% are from 31-35 and 5% are from above 36 years. 15
8
Marital status Table 5.3 No of Respondents Percentage of Respondents Married 7 35% Unmarried 13 65% Divo
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rced 0 0 Total 20 100% Marital status married Unmarried Divorced Analysis: From the above table we can see
that out of 20 respondents 13 are unmarried and 7 are married. This specifies that unmarried are more consciou
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s about their old age provision. 16 Work experience Table 5.4 No of Respondents Percentage of Respondents 0
- 5 14 70% 6 - 10 5 25% 11 – 15 1 5% 16 and above 0 0% Total 20 100% Work experience 16 14 12 10 8 6
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4 2 0 0 - 5. 6 - 10. 11 - 15. 16 and above Analysis: From the above table we can see out of 20 respondents 14
respondents have 0-5 years of experience 5 respondents have 6-10 years of experience 1 respondents have 11-1
5 years of experience 17 None respondents for 16 and above experience Table 5.5 Approximate annual income?
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No of Respondents Percentage of Respondents Less than 2,50,000 1 5% 2,50,000 to 5,00,000 11 55% 5,00,000
to 10,00,000 5 25% 10,00,000 and above 3 15% Total 20 100% Approximate annual income? 12 11 10 8 6 5 4
3 2 1 0 Less than 2,50,000 2,50,000 to 5,00,000 5,00,000 to 10,00,000 10,00,000 and above Analysis: From
10
the above table we notice that out of 20 respondents 1 respondent earn less than 2,50,000 11 respondents earn
2,50,000 to 5,00,000 5 respondents earn 5,00,000 to 10,00,000 18 3 respondents earn 10,00,000 and above Tabl
e 5.6 Do you feel your salary is sufficient to lead good standard to living in Bangalore? No of respondents Perc
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entage of respondents Yes 11 55% No 9 45% Total 20 100% Analysis: From the above table we can see that 1
1 respondents feel there salary is sufficient to lead good standard of living in Bangalore whereas 9 respondents
feels that salary is sufficient is not enough to live good standard of living. Table 5.7 Have you started saving fo
r future? No of respondents Percentage of respondents Yes 10 50% No 10 50% Total 20 100% 19 Have you st
arted saving for future? Yes No Analysis: From the above table we did notice that out of 20 respondents half of t
he respondents haven’t started saving for their future whereas half of the respondents has started saving for their f
 8
uture Table 5.8 Do you think of various investment objectives out of your income? No of Respondents Percenta
ge of Respondents Yes 14 70% No 6 30% Total 20 100% 20 Do you think of various investment objectives out
of your income? Yes No Analysis: From the above table we see that out of 20 respondents 14 (70%) responden
ts think various investment opportunity other than income whereas 7(30%) respondents do not think that they ca
n they can invest for their future other than income. Table 5.9 What is your most preferred investment plan? No
of Respondents Percentage of Respondents Constructing a house 11 55% Purchasing a luxurious car 1 5% Better
education to children 2 10% 21 Marriage and such related functions Creating sufficient provision for old age 0
0% 6 30% Total 20 100% What is your most preferred investment plan? Constructing a house Purchasing a lux
urious car Better education to children Marriage and such related functions Creating sufficient provision for old
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age Analysis: From the above table we see that out of 20 respondents 11 respondents prefer constructing a hous
e (55%) 1 respondent prefer purchasing a luxurious car (5%) 2 respondents prefer better education to children (
10%) 6 respondents prefer creating sufficient provision for old age (30%) 22 Table 5.10 "Private employees mu
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st create their own provision for their old age" Do you agree? No of Respondents Percentage of Respondents Str
ongly agree 9 45% Agree 6 30% Neutral 4 20% 23 Dis-agree 1 5% Strongly Dis-agree 0 0% Total 20 100% "
Private employees must create their own provision for their old age" Do you agree? 10 9 8 7 6 5 4 3 2 1 0 Str
ongly agree Agree Neutral Dis-agree Strongly dis-agree Analysis: From the above table we notice that out of 2
0 respondents 9 respondents strongly agree, 6 respondents agree, 4 neither agree or disagree and 1 dis-agree that
Private employees must create their own provision for their old age Table 5.11 With all your best effort how
much portion of your income can be differed for old age provision? No of Respondents Percentage of Responden
ts Less than 10% 6 30% 10-20% 10 50% 20-30% 3 15% 24 More than 30% 1 5% Total 20 100% With all your
best effort how much portion of your income can be differed for old age provision? 12 10 8 6 4 2 0 Less than
10% 10-20% 20-30% More than 30% Analysis From the above table we notice out of 20 respondents most of t
he employees would like to transfer income for old age provision. 10 respondents would like to save 10-20% of
income, 6 respondents like to save less than 10% of income, 3 like to save 20-30% and 1 like to save more th
an 30% of income. Table 5.12 If yes in which sector would you like to invest for future provision? No of Respo
ndents Percentage of Respondents Fixed deposit 7 35% Insurance 1 5% Mutual fund 7 35% Real state 2 10% 25
Others 2 10% Total 20 100% If yes in which sector would you like to invest for future provision? 8 7 6 5 4 3
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2 1 0 Fixed deposit Insurance Mutual fund Real state Others Analysis From the above table we notice that have
their own prefer future investment sector, 7 would like to invest in Fixed deposit and Mutual fund, respectively
2 prefer real state and others sector respectively whereas 1 respondent like to invest in Insurance. Table 5.13 As
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an investor for future provision what do you think which investment is more beneficial? No of Respondents P
ercentage of Respondents Fixed deposit 8 40% Insurance 1 5% 26 Mutual fund 5 25% Real state 6 30% Others
0 0% Total 20 100% As an investor for future provision What do you think which invest is more beneficial? 9
8 7 6 5 4 3 2 1 0 Fixed deposit Insurance Mutual fund Real state Others Analysis From the above table we see
that respondents has share their views on most beneficial investment for old age provision 8 respondents prefer
Fixed deposit, 6 for Real state, 5 for Mutual fund and 1 for insurance. Table 5.14 As an investor for old age b
enefit percentage of income would like to transfer? No of Respondents Percentage of Respondents 0 -10% 4 20%
11 – 20% 7 35% 27 21 – 30% 7 35% 31 – 40% 2 10% More than 40% 0 0% Total 20 100% As an investor f
or old age benefit how many percentage of income would like to transfer? 8 7 6 5 4 3 2 1 0 0-10% 11-20% 21
-30% 31-40% More than 40% Analysis From the above table we see that percentage of income what responden
ts wants to transfer for future provision, 7 would like to transfer in 11-20% and 21-30% respectively and 4 woul
d transfer 0-10% and 2 will transfer 31-40% for saving for old age Table 5.15 What will be your investment m
ode? No of Respondents Percentage of Respondents Monthly investment 10 50% Quarterly investment 6 30% Half
-yearly investment 2 10% 28 Yearly investment 2 10% Total 20 100% What will be your investment mode? M
onthly investment Quarterly investment Half-yearly investment Yearly investment Analysis For the above table
we see that 10 (50%) respondents like invest monthly, 6(30%) like to invest quarterly, 2(10%) like to invest hal
f-yearly and yearly respectively. Table 5.16 For the future benefit in which securities would like to invest? No o
f Respondents Percentage of Respondents Government securities 14 70% Private securities 5 25% 29 Others 1 5%
Total 20 100% For the future benefit in which securities would like to invest? Government secrities Private sec
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urities Others Analysis From the above table we see that out of 20 respondents 14(70%) responses would like t
o invest in Government securities and 5 (25%) would like to invest in private securities and remaining 1(5%) re
sponse would prefer other securities. Table 5.17 As an investor for future provision which type of securities wou
8
ld like to invest? No of Respondents Percentage of Respondents Equity share 7 35% Preference share 2 10% D
ebenture 2 10% 30 Bonds / Treasury bills 4 20% Others 5 25% Total 20 100% As an investor for future provisi
on which type of securities would like to invest? 8 7 6 5 4 3 2 1 0 Equity sahre Preference share Debenture B
onds/ Treasury bill Others Analysis From the above table we notice 7(35%) of respondents like to invest in Equ
ity, 2(10%) preference and debenture respectively, 4(20%) in Bonds/treasury bills and remaining 5(25%) in othe
rs security. Table 5.18 Do you agree investing in mutual funds is beneficial and helps to secure your old age? N
o of Respondents Percentage of Respondents Strongly agree 8 40% 31 Agree 1 5% Neutral 7 35% Dis-agree 3 15
% Strongly Dis-agree 1 5% Total 20 100% Do you agree investing in mutual funds is beneficial and helps to se
cure your old age? 9 8 7 6 5 4 3 2 1 0 Strongly agree Agree Neutral Dis-agree Strongly Dis-agree Analysis Fro
m the above table we see respondents 8(40%) strongly agree that mutual fund is beneficial and 1(5%) agree, 7(
35%) respondents are not sure about it, 3(15%) disagree and 1(5%) strongly disagree Table 5.19 Do you agree t
hat all “It employee” should secure for their old age? No of Respondents Percentage of Respondents Strongly agr
ee 9 45% 32 Agree 7 35% Neutral 4 20% Dis-agree 0 0% Strongly Dis-agree 0 0% Total 20 100% Do you agr
ee that all “It employee” should secure for their old age? 10 9 8 7 6 5 4 3 2 1 0 Strongly agree Agree Neutral
Disagree Strongly Disagree Do you agree that all “It employee” should secure for their old age? Analysis From
the above table we notice that out of 20 respondents 9(45%) respondent are strongly agree and 7(35%) agree th
at all IT employee should secure for their old age and remaining 4(20%) are neither agree or disagree that empl
oyee should save to old age. 33 Chapter 6 Findings and conclusion Findings: Based on the objectives, the study
has been conducted by taking 20 samples through the questionnaire. The samples have been collected via inter
net with the help of Google forms, one- on-one conversation with some IT employees. Based on the analysis fol
lowing findings 34 have been found: - Out of sampling collected and interaction with IT employees. Male empl
oyees are more conscious about their future as while compare female - As per the sampling 55% of the respons
es mention that salary is sufficient to lead good standard of living in Bangalore they are meeting all the luxury
requirements with income where as 45% of responses mention that it’s difficult to have good standard of living
as salary they get is not sufficient. - After interacted with some IT employees I notice most of the respondents
are not happy with their salary since they expect more as per their qualification and skills As per survey 50% o
f them started saving at least some part of their income whereas remaining half of them haven’t started yet beca
use of less income and love to live fashionable life enjoying present instead of think bordering about future pro
vision - As per survey 70% of the sampling says they do think that they can start investing the various objectiv
e out of their income. Since the investment could be same or large sum of amount. - After interaction with IT
employees and sampling 55% of people was more interested in invest in constructing a home compare to other i
nvestment plan. Since they considered that invest in property is secure and profitable source the value of the pr
operty keep increasing as we can see growth the value from past recent years. - People who are working in Priv
ate sector agree that they should create they own provision for old age as they do not have additional benefits f
orm the company like government companies - While interaction and sampling out of income they could transfe
r up to 0-20% excluding all expenses. - Most of the responses as per survey specify that fixed deposit and mutu
al fund investment is best choice for secure future provision as fixed deposits give good return via interest and
mutual funds give good return and liquidity in nature. - Most of the responses says that they like to invest in m
onthly and quarterly. - Through interaction I notice that 70% of the people would like to invest in Government s
ecurities as it’s gives complete assurance return in investment in any situation 35 - Everyone agrees that provisi
on for future old age is necessary and help to secure future as well as in emergency requirement accept some of
the responses Conclusion: Future investment has a wider scope in terms of the factors that I have considered in
my questionnaires. As more number of respondents have selected fixed deposit, mutual fund and real-estate are
preferred by people as it has future provision for the old age as reliable source or regular income. When compa
red between private and government companies, public sector tends to provide more number of benefits compar
ed to private companies. Since the private employees aren’t provided enough benefits, employees would like to
invest in Government securities like bonds, treasury bills. Investing in real state is very beneficial as the value o
f the property keeps increasing. 36 Chapter 7 Recommendations Recommendations 1) They should allocate mor
e fund towards provident fund and ESI (Employee state insurance) 2) Even after retirement the retired employee
should be given opportunity to work with company. 37 3) Invest more in pension insurance were in they get m
onthly pension form the insurance company after retirement. 4) They can invest in post- office pension plan wer
e in employee can start saving some portion of the income regularly in post-office pension scheme which will b
e redeem after retirement and employee will get monthly return. 5) Open Fixed Deposit account and deposit hu
ge amount as per his requirement. In this person can deposit amount but he cannot withdraw until the policy is
expired. However, interest will be given every month on the investment by the Bank
***END***