PREFACE

It is true that the world outside your cozy home is many a time quite different from what you have perceived. Similarly, it is possible that the theoretical knowledge acquired in the classroom may differ from the practical knowledge.

In order to make an individual aware of the practical implication of what he has learned. He is enriched with the practical training. I as a student of M.B.A. got this opportunity to know what is actually happening in a company. The main areas covered during the training period are: Financial department, marketing department.

I have taken training at Motilal Oswal Securities Ltd. I have sincerely acquired all the necessary information for my project report during my training period. I hope that this report will satisfy the object requirement.

ACKNOWLEGDEMENT

Sometimes words fall short to show gratitude, the same happened with me during this project. The immense help and support received from Motilal Oswal Securities Ltd overwhelmed me during the project.

My sincere gratitude to Mr. Kiran chamre, Business associate for providing me with opportunity to work with Motilal Oswal Securities Ltd

I am highly indebted to Mr. Viraj shah, company project guide, who has provided me with the necessary information and his valuable suggestion and comments on bringing out this report in the best possible way. I am grateful to Mr. Vijaybhai Patel (Branch Head, Motilal Oswal Securities Ltd) and all of the members of mass consultancy, who have helped me in the successful completion of this project. I also thank Prof.K.K.Patel, faculty guide, SKSBM, Patan who has sincerely supported me with the valuable insights into the completion of this project.

Last but not the least; my heartfelt love for my parents, whose constant support and blessings helped me throughout this project.

EXECUTIVE SUMMARY

This project has been a great learning experience for me; at the same time it gave me enough scope to implement my analytical ability. This project as a whole can be divided into two parts: The first part gives an insight about the Fixed Deposit and its various aspects. It is purely based on whatever I learned at Motilal Oswal Securities Ltd. One can have a brief knowledge about Fixed Deposit and all its basics through the project. Other than that the real servings come when one moves ahead. Some of the most interesting questions regarding Fixed Deposit have been covered. Some of them are: why has it become one of the largest financial intermediaries? How investors do choose company to invest in Fixed Deposits? Most popular stocks among fund managers, most lucrative sectors for fund managers, a special report on Fixed Deposit, does fund performance persists and the topping of all the servings in the form of portfolio analysis tool and its application. All the topics have been covered in a very systematic way. The language has been kept simple so that even a layman could understand. All the data have been well analyzed with the help of charts and graphs.

The second part consists of data and their analysis, collected through a survey done on 116 people through questionnaires. It covers the topic Awareness about Company Fixed Deposits. The data collected has been well organized and presented. Hope the research findings and conclusions will be of use. It has also covered how many times people prefer to invest their money and about which group of people invest their money in fixed deposits

I learn lost of things and quality of manager with practical experience.

Mahesh Raval

COMPANY PROFILE

ORGANISATION PROFILE Motilal Oswal Securities Ltd. (MOSL) was founded in 1987 as a small sub-broking unit, with just two people running the show. Focus on customer-first-attitude, ethical and transparent business practices, respect for professionalism, research-based value investing and implementation of cutting-edge technology has enabled us to blossom into an almost 1600 member team. Today company is a well diversified financial services firm offering a range of financial products and services such as

Wealth Management Broking & Distribution Commodity Broking Portfolio Management Services Fixed Deposits and Bonds Institutional Equities Private Equity Investment Banking Services and Principal Strategies

Company has a diversified client base that includes retail customers (including High Net worth Individuals), mutual funds, foreign institutional investors, financial institutions and corporate clients. Companys headquarter is in Mumbai and as of 31st, 2011, had a network spread over 611 cities and towns comprising 1644 Business Locations operated by its Business Partners and it. As at March 31st, 2011, company had 7,09,041 registered customers. In 2006, the Company placed 9.48% of its equity with two leading private equity investors based out of the US New Vernon Private Equity Limited and Bessemer Venture Partners. The company got listed on BSE and NSE on September 9, 2007. The issue which was priced at Rs.825 per share (face value Rs.5 per share) got a overwhelming response and was subscribed 27.18 times in turbulent market conditions. The issue gave a return of 21% on the date of listing. As of end of financial year 2008, the group networth was Rs.7 bn and market capitalization as of March 31, 2008 was Rs.19 bn. Motilal Oswal Financial Services Ltd consists of five companies.

Motilal Oswal Financial Services Ltd consists of four companies.

1. Motilal Oswal Investment Advisors Pvt. Ltd. is our Investment Banking arm with collective experience of over 100 years in investment banking/corporate banking and advisory services 2. Motilal Oswal Commodities Broker (P) Ltd. has been providing commodity trading facilities and related products and services since 2004. 3. Motilal Oswal Venture Capital Advisors Private Limited has launched the India Business Excellence Fund (IBEF), a US$100 mn India focused Private Equity Fund 4. Motilal Oswal Securities Ltd. (MOSt) our services include equities, derivatives, e-broking, portfolio management, mutual funds, commodities IPO services.

HISTORY & MILESTONES The story of Motilal Oswal Securities Ltd (MOSL) goes back many years, when Mr. Motilal Oswal and Mr. Raamdeo Agrawal met each other as students in a Mumbai suburban hostel in the early eighties. Both the young chartered accountants hailing from a rural & an unpretentious background had a common dream viz. 'to build a professional organization with strong value systems, to provide reliable & honest investment advice to investors'. Thus was born their first enterprise called "Prudential Portfolio Services". 2011: 1. Motilal Oswal Financial Services bagged awards in two categories: Award for Excellence in HR through Technology & Award for Managing Health at Work at the ASIAs BEST EMPLOYER BRAND AWARDS held in Singapore on 22nd July, 2011 2. Mr. Raamdeo Agrawal was honoured with INDIAS BEST MARKET ANALYST AWARDS 2011 on April 29, 2011. 2010: Motilal Oswal Securities Limited bagged the QualTech Prize for Improvement - 2010 in the Services Category on September 24, 2010. 2009: 1. MOSL ranked No. 2 (Best Local brokerage) in the AsiaMoney Brokers Poll 2009 and No. 2 (Best Indian Brokerage House) category by Institutional Investor 2. Motilal Oswal Securities Ltd. enters 'Limca Book of Records' for creating India's largest dealing room in Mumbai MANAGEMENT

Mr. Motilal Oswal Chairman

Mr Raamdeo Agrawal Managing Director

Mr. Nitin Agrawal Joint MD

Mr. Motilal Oswal is the Chairman and Managing Director of Motilal Oswal Financial Services Ltd. (MOFSL). He is a Chartered Accountant and started the business along with co-promoter, Mr.Raamdeo Agrawal in 1987. Mr. Oswal has received the "Rashtriya Samman Patra" awarded by the Government of India for being amongst the highest Income Tax payers in the country for a period of 5 years from FY95FY99. Mr. Oswal has served on the governing board of the Bombay Stock Exchange (BSE) as a Director. He has also been member of the National Stock Exchange (NSE) committee for F&O and a member of the Managing Committee of Indian Merchants' Chamber (IMC). He is a board member and a Director of Jain International Trade Organisation (JITO). The Indian Council of Management Executives (ICME) has awarded the Knight of the Millennium to Mr. Oswal for the Capital Market. Recently, Mr. Oswal was felicitated by The Institute of Chartered Accountants of India with the prestigious "Excellent Business Achiever in Financial Services" award. He was also conferred the Udyog Rattan Award for his outstanding performance in the industrial development of the country by the Institute of Economic Studies, New Delhi. He has also been awarded The Hall of Fame for Excellence in Franchising by - Franchising World Magazine. Mr. Raamdeo Agrawal is the man behind the strong research capabilities at Motilal Oswal Financial Services Ltd. He is an Associate of Institute of Chartered Accountants of India and also a member of the National Committee on Capital Markets of the Confederation of Indian Industry. Mr. Agrawal specialises in equity research. He has been authoring the annual Motilal Oswal Wealth Creation Study since its inception in 1996. In 1986, he wrote the book Corporate Numbers Game, along with co-author, Mr. Ram K Piparia. He has also featured on 'Wizards of Dalal Street on CNBC TV 18'. Mr. Agrawal has received the "Rashtriya Samman Patra" awarded by the Government of India for being amongst the highest Income Tax payers in the country for a period of 5 years from FY95FY99.

Mr. Navin Agarwal is the CEO - Institutional Equities business and a Member of Board of Motilal Oswal Financial Services Ltd. He is a member of the Institute of Chartered Accountants of India, Institute of Cost and Works Accountants of India, Institute of Company Secretaries of India. He heads the Institutional Broking business and has been instrumental in building a market leading position with domestic and foreign institutional investors. Under his leadership, the firm has been rated as The Best Indian Brokerage House by AsiaMoney. He has an experience of 13 years in capital markets. He started his career as a Senior Analyst in 1994 and joined Motilal Oswal Securities in 2000. He has co-authored a book on stock markets "India's Money Monarchs".

Vision & Values of Motilal Oswal Securities Ltd. Vision of motilal oswal is to become a well respected global financial services company by assisting investors create wealth in global market. Values(Mission): Integrity: A company honouring commitment with highest ethical and business practices Team Work: Attaining goals collectively and collaboratively Meritocracy: Performance gets differentiated, recognized and rewarded in an apolitical environment

Quality Policy Motilal Oswal MOSt 20:20 Research in brief MOSt 20:20 is an initiative by Motilal Oswal Securities Ltd to simplify the various research reports (Company Reports / Sector Reports / Thematic Reports) for the retail audience to understand them and are able to make much informed investment decisions. We at Motilal Oswal Securities ltd. believe that Research need not be complicated to be good. Now the section is also made share and print friendly, making it easy for you to share your favourite reports within your network. About MOSL Research From the inception of the company we have focused on a dedicated research team which is engaged in analyzing the Indian economy and corporate sectors to identify equity investment ideas. Our expert team of Research Analyst cover over 225

companies in 25+ sectors and commodities. Our consistent efforts towards quality equity research have reflected in an increase in the ratings & rankings across various categories in the AsiaMoney Brokers Poll over the years. In the latest rankings, i.e. Starmine India Broker Rankings 2009 from Thomson Reuters, we won awards in 3 out of 4 categories. We were rated No.1 in India Mid & Small-Caps - Best Recommendations category, in the Top-3 in India BSE Sensex - Earnings Estimates category and in the Top-10 in India Mid & Small-Caps Earnings Estimates category. Happy Investing. SERVICES PROVIDING BY MOSL MOSLS businesses and primary products and services are: Equity Derivatives Insurance Distribution Commodity Broking Mutual funds Distribution IPOs Depository services Loan against shares Institutional Equities Portfolio Management Services Private Equity Investment Banking Services Wealth Management

Competitors Reliance money ICICI Direct Religare Tata capital Indiabulls Sharekhan Kotak securities Hdfc securities.

Financial Snapshot Profit & Loss account of Motilal Oswal Financial Services Mar '11 12 mths Income Sales Turnover Excise Duty Net Sales Other Income Stock Adjustments Total Income Expenditure Raw Materials Power & Fuel Cost Employee Cost Other Manufacturing Expenses Selling and Admin Expenses Miscellaneous Expenses Preoperative Exp Capitalised Total Expenses ------------------- in Rs. Cr. ------------------Mar '10 12 mths Mar '09 12 mths Mar '08 12 mths Mar '07 12 mths

49.53 0.00 49.53 14.71 0.00 64.24 0.00 0.00 2.64 0.76 2.92 0.23 0.00 6.55 Mar '11 12 mths

51.09 0.00 51.09 13.16 0.00 64.25 0.00 0.00 1.36 0.03 2.28 0.43 0.00 4.10 Mar '10 12 mths 46.99 60.15 2.85 57.30 0.00 0.00 57.30 0.00 57.30 14.91 42.40 4.10 0.00 17.18 0.63

55.71 0.00 55.71 16.53 0.00 72.24 0.00 0.00 1.24 0.04 2.58 0.05 0.00 3.91 Mar '09 12 mths 51.80 68.33 7.32 61.01 0.00 0.00 61.01 0.00 61.01 15.70 45.31 3.90 0.00 11.36 0.51

32.10 0.00 32.10 3.48 0.00 35.58 0.00 0.00 1.43 0.01 4.93 0.28 0.00 6.65 Mar '08 12 mths 25.45 28.93 4.46 24.47 0.00 0.00 24.47 0.11 24.58 7.28 17.29 6.65 0.00 11.36 0.00

10.75 0.00 10.75 -4.03 0.00 6.72 0.00 0.00 1.37 0.00 0.79 0.06 0.00 2.22 Mar '07 12 mths 8.53 4.50 0.20 4.30 0.00 0.00 4.30 -0.54 3.76 2.81 0.95 2.22 0.00 0.00 0.00

Operating Profit PBDIT Interest PBDT Depreciation Other Written Off Profit Before Tax Extra-ordinary items PBT (Post Extra-ord Items) Tax Reported Net Profit Total Value Addition Preference Dividend Equity Dividend Corporate Dividend Tax

42.98 57.69 1.16 56.53 0.01 0.00 56.52 -0.06 56.46 13.82 42.66 6.54 0.00 20.23 3.28

Per share data (annualised) Shares in issue (lakhs) Earning Per Share (Rs) Equity Dividend (%) Book Value (Rs)

1,444.19 2.95 140.00 35.49

1,431.72 2.96 120.00 33.07

1,420.20 3.19 80.00 30.51

284.04 6.09 80.00 140.80

254.21 0.37 0.00 62.81

Balance Sheet of Motilal Oswal Financial Services Mar '11 12 mths Sources Of Funds Total Share Capital Equity Share Capital Share Application Money Preference Share Capital Reserves Revaluation Reserves Networth Secured Loans Unsecured Loans Total Debt Total Liabilities

------------------- in Rs. Cr. ------------------Mar '10 12 mths Mar '09 12 mths Mar '08 12 mths

12

14.44 14.44 0.00 0.00 498.13 0.00 512.57 0.00 0.00 0.00 512.57 Mar '11 12 mths

14.32 14.32 0.00 0.00 459.17 0.00 473.49 0.00 59.32 59.32 532.81 Mar '10 12 mths

14.20 14.20 0.10 0.00 419.16 0.00 433.46 0.00 0.00 0.00 433.46 Mar '09 12 mths

14.20 14.20 0.00 0.00 385.72 0.00 399.92 0.00 0.00 0.00 399.92 Mar '08 12 mths

12

Application Of Funds Gross Block Less: Accum. Depreciation Net Block Capital Work in Progress Investments Inventories Sundry Debtors

16.82 0.01 16.81 120.49 83.26 0.29 0.00

15.84 0.01 15.83 87.48 58.24 107.76 0.00

0.01 0.00 0.01 0.00 31.35 32.72 0.00

0.01 0.00 0.01 0.00 135.40 1.63 0.00

Cash and Bank Balance Total Current Assets Loans and Advances Fixed Deposits Total CA, Loans & Advances Deffered Credit Current Liabilities Provisions Total CL & Provisions Net Current Assets Miscellaneous Expenses Total Assets Contingent Liabilities Book Value (Rs)

0.61 0.90 368.00 1.00 369.90 0.00 11.27 66.61 77.88 292.02 0.00 512.58 27.22 35.49

24.56 132.32 296.72 0.50 429.54 0.00 3.74 54.55 58.29 371.25 0.00 532.80 42.00 33.07

200.12 232.84 206.68 1.12 440.64 0.00 0.98 37.61 38.59 402.05 0.08 433.49 4.70 30.51

0.45 2.08 284.04 0.62 286.74 0.00 0.39 21.83 22.22 264.52 0.00 399.93 4.70 140.80

organizational structure

Departments Trading Department Motilal Oswal is one of the broker who is acting as wholesalers and as a broker, it is the duty of it to provide service of collecting funds and securities from the investors and send it to clearing house and vice versa. According to SEBI investor has to open trading account for trading in shares. Client can open an account in any depository.

Marketing Department In this department where the demat account as well as Mutual Funds is marketed, marketing executives are seeks for prospective customers, they helps in opening of an account and also these executives collects AMCs and provide other services. ACCOUNTS Maintaining the purchases of stores department Internal auditing Payments and receipts HR & ADMINISTRATION PAY ROLL MAINTAINANCE: maintenance of employee details like salary incentives, bonus, and performance records etc RECRUITMENT DEPARTMENT: this department helps in assessing the needs of Labor force and recruiting the needs of Labor and giving the orientation programme to new employees. MOTILAL OSWAL SECURITIES LTD. HRD: Maintain good relation ship with the employees Identifying the demotivated employees and providing the necessary motivation Accepting problems of the workers and helps in solving them,, SUPPORT & FUNCTION FRONT OFFICE In front office the following services are done. Account opening Holding enquiries Transfer of physical shares to demat form Transfer of demat shares to physical form Transformations of shares from demat to trading account etc... BACK OFFICE Maintenance of all demat account Giving intimation related to the due of AMCs to their account holders Sends quarterly information to the holders related to the holdings ADVISORY SERVICES This is the main function done by the department, MOSt gives every financial advisory service to investors e.g.: portfolio management, equity tips, tax planning etc.

SCOPE OF THE STUDY The research was carried on in the Western Region in maharashtra in India. It is restricted to Pune where it has got 1 branch offices. I have visited people randomly nearby my locality, small retailers, doctors, customers of MOSL, Business Persons, Government Servant, etc. RESEARCH OBJECTIVE The objectives of the study are as under: 1. 2. 3. 4. To know the awareness of stock market. To know the investment habit/pattern of the people. To know the purpose of investing in stock market. To know the influencing forces behind the decision making while trading in stock market. 5. To know constraints which are affecting investment in stock market 6. To find out best way or method to educate about stock market.

SUB- OBJECTIVES OBJECTIVES

To know the customer consideration about different factor. To analyze the services provided by the MOSL and its competitor. Understanding the investment decision.

How much people aware about stock market ? What factors they take mind, when invest money in various securities ? What is their objective to invest their money in stock market ?

 Research Methodology: Focus on Research Research is the solid foundation on which Motilal Oswal Securities advice is based. Almost 10% of revenue is invested on equity research and we hire and train the best resources to become advisors. At present we have 28 equity analysts researching over 27 sectors. From a fundamental, technical and derivatives research perspective; Motilal Oswal's research reports have received wide coverage in the media (over a 1000 mentions last year). Our consistent efforts towards quality equity research has reflected in an increase in the ratings and rankings across various categories in the AsiaMoney Brokers. Our unique Wealth Creation Study, authored by Mr. Raamdeo Agrawal, Managing Director, is now in its 13th year. Investors keenly await this annual study for the wealth of information it has on the companies that created wealth during the preceding five years.

METHODOLOGY The advanced learners dictionary of current English lays down the meaning of research as a careful investigation or inquiry especially through search for new facts in any branch of knowledge. Readman and Mory defines research as A systematized effort to gain new knowledge. The project was to involve a detail study of the investment opportunities in various securities. The markets available for the study were the************For estimating the market potential and our own brands market share different methods of primary data collection were employed in the form of questionnaire, structured and unstructured interviews and methods etc. After joining the Motilal Oswal Securities Ltd., we got basic knowledge about the company and the function of the company. Company provides basic training of Fixed Deposit along with other services such like Mutual Funds, Portfolio Management Services, IPOs, EBroking, and Depositary Services. Company arranges Seminars for giving information and trainings about it services.

After taken basically training, doing the survey of awareness of Fixed Deposit Service is to prepare the questionnaire. The questions for the questionnaires are prepared after going through pamphlets, research reports, fact sheets of Fixed Deposits.

By the questionnaires, data about the Fixed Deposits are to be collected. To fill the questionnaires the survey was conducted in commercial area of Mehsana city. The source for

filling questionnaires are doctors, customers of MOSL, Business Persons, Government Servant, my locality,, small retailers interested in equity and Fixed Deposit or invest huge in debt or real assets business etc. After collection of the data, the questionnaires are analyzed and the people who are interested in Fixed Deposits are found out. We got the information about the above interested persons and contact them by the Phones and personal meetings. We explain them about FDs and receive their Feedbacks. In the last, we prepare the project what have done practically & give the conclusion.

RESEARCH INSTRUMENT QUESTIONNAIRE

SAMPLING METHOD SAMPLE UNIT

: Convenient sampling method : Those who are investing in different investment Options

SAMPLE SIZE Type of Questionnaire Type of Questions No of Questions Place

: 100 samples : Structured : Closed ended questions : 12 : PUNE

CONTACT METHODS:Once the sampling plan has been determined, the marketing researcher must decide how the subject should be contacted. The choices are mail, telephone, or personal interviews. Telephone could not be an effective medium for getting the first hand responses pertaining to the study. For the purpose of the market survey, I design the research based on primary data. For the collection of primary data, I designed the structured questionnaire, for filling the questionnaire. I use method of direct interview.

HOW IT WAS DONE:-

1. Research Problem for the present study Analyzing the role of securities in wealth creation.

2. The research plan: - The research plan is designed for gathering the needed information. Designing research plan calls for definitions on the information (data) sources, research approach, research instruments, sampling plan and contact method.

3. Data Source: - The plan calls for gathering both the secondary and primary data. Secondary data already exists, having been collected for some other purpose, while primary data consists of original information collected for the specific purpose.\

Primary data: In order to have first hand information to know the perception, preference And liking of the customers / consumers visiting various retail shops. All these persons are also interviewed to know their feelings and attitudes about the facilities (margins, discount) and the services (promotional and other benefits) that the company people provide them.

Secondary data: for the project were collected from: 1.Various publications on related subject. 2. Various publications on the area of work. 3. Newspapers, journals & Business Magazines publications of MOTILAL OSWAL SECURITIES LTD.

STEPS IN RESEARCH DESIGN PROCESS 1. Define the research problem : Research problem definition involves specifying the information needed by management.

2. Estimate the value of the information to be provided by the research: Descriptive research is high degree of flexibility tends to rely on Convenience sample.

3. Select the data collection method (s) : Survey research, information directly from respondents shops. 4. Select the measurement technique : Questionnaires, instrument for asking information directly from a respondents on the basis of question asked by interviewer.

5. Select the sample (primary considerations) Population, sample frame, sampling unit, sampling method (non-probability), Sample size, sample plan, and execution.

6. Select the analytical approach : Data analysis involves converting a series of recorded observations into descriptive statement and/ or inferences about relationships.

7. Evaluate the ethics of research : Ethically sound research considers the interests of the general public, the respondents, the clients, and the research profession as well as those of the researcher.

8. Estimate time and financial cost

Method of collection:For the collection of the data I adopted questionnaire method. For the purpose I had prepared a questionnaire and went to the respondents with that. My research was related to excise and package drinking water trade, so that a some places a lot of problems in collection of data, therefore instead of questionnaire I adopted interview method so that I could make my respondents feel easy. For appointment I used telephone in case of shops I have taken special permission from the contractor to visit his shops.

QUSTIONNAIRE Conditions: 1.This questionnaire is used only for project requirement. 2. All the questions must attain compulsory. 3. Please tick [] where needed. 4. All information provided by you is only for education purpose and will be kept confidentially.

1. Are you interested in share market? Yes [ ] 2.Do you invest in stock market? Yes [ ] 3. Do you have Demat account? Yes [ ] If yes,

No [ ]

No [ ]

No [ ]

4. You have Demat account in which company? Yes [ ] No [ ]

5.Do you know about Motilal Oswal Securities Ltd.? Yes [ ] If not, Our services 1) Stock Market 2) Fixed deposit 3) Equity 4) PMS 5) Commodity Broking 6) E- Broking No [ ]

7) Depository 8) Fixed Deposits and Bonds If yes, 6. How did you know about it? 1) Pamphlet 2) T.V. 3) News Paper 4) By Friend Circle 5) By society 6) Other .. 7. How do you invest in stock market ? IPOs Secondary Market Or Both 8. What is the most important reason for not investing in security market? Lack of knowledge Fund facilities Risk taking ability Regulatory constraint Lack of Guidance Others........... 9.According to your perspective which investment gives you maximum return? 1.Share market 2.Mutual fund [ ] [ ] [ ] [ ] [ ] [ ] [ ] [ ] [ ] [ ] [ ] [ ]

3.Purchasing insurance policy [ ]

10.Does investment in security market give more return than other? Strong Agree Disagree [ ] Agree [ ] [ ] Nutural [ ] [ ]

Strong Disagree

11. Where do you find yourself as a investor? Totally ignorant Partial knowledge of security market Aware only of any specific scheme in which you invested Fully aware [ ] [ ] [ ] [ ]

12. From where you invest in securities? Directly from the AMCs [ ] Brokers only Brokers/ sub-brokers Other sources [ ] [ ] [ ]

13.What are the factors considered in investment. Safety of investment High return Speculation Regular Income [ ] [ ] [ ] [ ]

14.How you take decision while investing into security market. Independently Advice from friends/colleagues Broker's/Agent's Advice [ ] [ ] [ ]

Advice from CA/Tax Consultant [ ] News Channels [ ]

Well-known stock broking house [ ] Business Newspapers Business Magazines Internet [ ] [ ] [ ]

15.What do you expect from your portfolio?please choose any one option. 1. I want my initial investment to remain intact 2. I should earn significantlymore than inflation 3. I should earn more than inflation 4. Iwant to earn a fixed rate of return 16. What is your Monthly Income? 5000-10000 Rs. 10001-15000 Rs. 15001-20000 Rs. 20001-25000 Rs. 25001-30000 Rs. 30001-35000 Rs. 35001-40000 Rs. 40001-45000 Rs. More than 45000 Rs. [ ] [ ] [ ] [ ] [ ] [ ] [ ] [ ] [ ] [ ] [ ] [ ] [ ]

PERSONAL INFORMATION:-

Name: Address: ...

Phone/Mobile: .

Occupation: ..

Thanks for Giving Your Precious Time

AGE WISE RESPONDENT CLASSIFICATION

35 30 No. of respondents 25 20 15 10 5 0 21 30 31 40 41 - 50 Age group 51 - 60 Above 61 14 7

31 26 22

EDUCATION QUALIFICATION WISE RESPONDENTS Education qualification Under-Graduate Graduate Post-Graduate Professional Illiterate Total No. of respondents 24 22 27 26 01 100

30

27 24
22

26

No. of respondents

25
20

15 10 1 Illiterate

5 OCCUPATION WISE DISTRIBUTION OF RESPONDENTS 0 Occupation Under- of respondents No. Graduate PostProfessional Graduate Graduate Education Qualification

Professional Businessman Employee Student Others Total

16 34 21 18 11 100

CHART 1 PIE CHART FOR OCCUPATION WISE CATEGORISATION

11%

16%
Professional Businessman Employee Student

18%

34% 21%

Others

INVESTMENT IN DIFFERENT INVESTMENT INSTRUMENTS Investment options Bank Fixed Deposit Mutual Fund Shares/Equity Insurance Real Estate Govt. Securities Bonds/Debenture Postal Scheme P.P.F Pension Fund Jewellery Other No. of Investors 57 49 87 61 54 26 07 19 10 16 78 04

100 90 No. of investors 80 70 60 50 40 30 20 10 0 7 26 19 10 4 16 57 49 61 54 87 78

Investment instruments

DO YOU INVEST IN STOCK MARKET? Invest (Yes) 87 Do Not (No) 13 Invest Total 100

13

Invest Do Not Invest

87

CHART 2

1. Do you know about Motilal Oswal Securities Ltd.? Reply YES NO Total TABLE-6 Respondents 82 34 116 Percentage (%) 70.68% 29.32% 100%

Respondents

YES, 82, 71% YES NO NO, 34, 29%

CHART-3 INTERPRETATION: Above graph shows that 82 respondents know about Motilal Oswal Securities Ltd. and 34 are not familiar than the MOSL from total number of respondents 116.We can say that 70.68% people are know the services provided by MOSL and 29.32 % do not know about MOSL. So company should explain them about itself and its service

How did you know about it? Sources Pamphlet T.V. News paper By Friend Circle By Society Other Total TABLE-7 Respondents 15 30 43 08 06 14 116

CHART-4
Information

Pamphlet 45 40 35 30 25 Respodents 20 15 10 5 0 Respodents Sources T.V. New s paper By Friend Circle By Society Other

INTERPRETATION: On analyzing the Questionnaires, They show that in total of 116, 15 people are aware about the company through pamphlet , 30 are through TV , 43 through news paper, 6 are by society and o remain 14 are aware about company

HOW TO INVEST IN STOCKS ? No. of Investors IPOs Secondary Market Both 26 23 38

40 35 No. of investors 30 25 20 15 10 5 0 IPOS Secondary Market 26 23

38

Both

CHART 5 Interpretation: On analyzing the chart, we clearly see that people have preferred both the market almost equally which shows their exposure to risk. However on close loking a slight preference is given to IPO market over Secondary market.

8. What is the most important reason for not investing in security market? THE CONSTRAINTS WHICH ARE AFFECTING THE INVESTMENT IN STOCK MARKET Constraints Lack of knowledge Fund facilities Risk taking ability Regulatory constraints Lack of Guidance Other Nos. 47 29 23 11 38 07

CHART 6
50 45 40 35 30 25 20 15 10 5 0 Lack of knowledge Fund facilities Risk taking ability Regulatory constraints Lack of Guidance Other 11 7 29 23 38 47

Constraints

1. Does investment in security market give more return than other? CHART 7
RETURN
35 30 25 20 15 10 5 0

38% 27% 31 21 24 3% 3 3% 3 29% Percentage (%) Respondent

STRONGLY AGREE

NUTURAL

TABLE-12

Scale STRONGLY AGREE AGREE NUTURAL DIS AGREE STRONGLY DIS AGREE TOTAL

STRONGLY DIS AGREE

AGREE

DIS AGREE

Respondent 31 21 24 3 3 82

Percentage (%) 38% 27% 29% 3% 3% 100%

INTERPRETATION: People are fully agreed that fixed deposit gives more return 38% strongly agree. Then 27% are agreeing with more return then other investment. While 3% people are strongly disagreeing with fixed deposit gives more return. People in 29% are neutral for more return gives a fixed deposit.

Where do you find yourself as a investor? TABLE-13 Scale Totally ignorant Partial knowledge of fixed deposits Aware only of any specific scheme in which you invested Fully aware Total Respondent 17 34

23

08 82

CHART-8
Respondent 40 35 30 25 20 15 10 5 0 34 23 17 8 Respondent

Totally ignorant

Partial Aware only of Fully aware knowledge of any specific fixed deposits scheme in which you invested

INTERPRETATION: When ask this question, from 82 people, 17 people does not know to invest in the fixed deposits. Who have partially knowledge about FD, they are 34 people.23 people are aware about the some special scheme because they invest their money in it. Only 8 people from the respondents has fully aware about the fixed deposits. This shows that if companies try to aware people about FDs, they are been ready to invest in FD.

10. From where you invest in securities?

TABLE-14 Scale Directly from the AMCs Brokers only Brokers/ sub-brokers Other sources TOTAL CHART-9 Respondent 55 12 7 8 82 Percentage (%) 68% 15% 8% 9% 100%

Purchase

8 Directly from the AMCs Brokers only Brokers/ sub-brokers 55 Other sources

12

INTERPRETATION:

When ask the question, from where did you purchase FD, 68 % people reply directly from the AMCs.15% reply from broker only, 8% reply from broker/ sub brokers and the remain 9 % people answered that from other sources.

11.What are the factors considered in investment.

FACTORS CONSIDERED IN INVESTMENT

1 Rank Safety of investment High return Speculation Regular Income 44 25 11 20

st

nd

Rank

3 Rank 18 24 22 36

rd

th

Rank

24 40 19 17 1st Rank

14 11 48 27

20 11 25

44

Safety of investment High return Speculation Regular Income

CHART 10

2nd Rank

17 19 40

24

Safety of investment High return Speculation Regular Income

3rd Rank

36 22

18 24

Safety of investment High return Speculation Regular Income

4th Rank

27 48

14 11

Safety of investment High return Speculation Regular Income

12.How you take decision while investing into security market? DECISION TAKEN BY INVESTORS WHILE INVESTING INTO STOCK MARKET

Factors Independently Advice from friends/colleagues Broker's/Agent's Advice

Percentage 41 12 56

Advice from CA/Tax Consultant News Channels

14 43

Well-known stock broking house Business Newspapers Business Magazines Internet

23 31 19 15

CHART 11

Internet Business Magazines Business Newspapers Well-known stock broking house News Channels Advice from CA/Tax Consultant Broker's/Agent's Advice Advice from friends/colleagues Independently

15% 19% 31% 23% 43% 14% 56% 12% 41%

13.According to your perspective which investment gives you maximum return? 14.What do you expect from your portfolio?please choose any one option.

Limitation:

Time limitation. Research has been done only at Mehsana. Some of the persons were not so responsive. Possibility of error in data collection. Possibility of error in analysis of data due to small sample size.