Risk Taking Pattern of Different Customer

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TRAINING PROJECTREPORT

ON

RISK TAKING PATTERN OF DIFFERENT

CUSTOMERwith special reference to kotak securities

ltd.

A Training Project Report

Submitted in partial fulfillment of the requirement for the

Award of the degree of

Master of BusinessAdministration

Rajasthan Technical University, Kota (Raj.).

Academic Session 2007-2009

PROJECT GUIDE: SUBMITTED TO:

Ms. Anupama sharma Dikshant Sharma

Faculty ,OKIMR, Kota MBA-II (Marketing)

OKIMR, Kota

OM KOTHARI INSTITUTE OF MANAGEMENT &RESEARCH, KOTA.

(AFFILIATED TO RAJASTHAN TECHNICAL UNIVERSITY, KOTA)

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OM KOTHARI INSTITUTE OFMANAGEMENT &

RESEARCH

(Affiliated to Rajasthan Technical University, Kota, Approved by All

India Council for Technical Education-Government of India and

Sponsored by Om Kothari Foundation, Kota)

CERTIFICATE

Om Kothari Institute of Management and Research has completed

Training Project Report entitled RISK TAKING PATTERN OF

DIFFERENT CUSTOMER. The project has been completed after studying

for one year in MBA course and for partially fulfilling the requirements for

award of degree of Master of Business Administration of Rajasthan TechnicalUniversity, Kota.

The Training Project Report has been completed under the guidance ofAsst.

Prof Anupama Sharma This is to certify that Mr. Dikshant Sharma a

student ofMBA II Year at of OKIMR and is as per norms and guidelines

provided.

Dr. K.C. Shringi Asst. Prof. Anupama Sharma

Director Academic Guide

Kota

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Date:

A-1, Special I.P.I.A. Jhalawar Road, Kota-324005

(: 0744-2490878, 2490402, E-mail: [email protected]: 0744-2438069

OM KOTHARI INSTITUTE OFMANAGEMENT &

RESEARCH

(Affiliated to Rajasthan Technical University, Kota, Approved by AllIndia Council for Technical Education-Government of India and

Sponsored by Om Kothari Foundation, Kota)

CERTIFICATE

This is to certify that Mr.Dikshant Sharma student of MBA II Year at Om

Kothari Institute of Management and Research has submitted Training

Project Report entitled RISK TAKING PATTERN OF DIFFERENT

CUSTOMER . The project has been completed after studying for one yearin MBA course and for partially fulfilling the requirements for award of

degree of Master of Business Administration of Rajasthan Technical

University, Kota.

The Training Project Report has been evaluated and viva-voce conducted by

the undersigned panel of examiners. The project has been found

satisfactory/unsatisfactory and is recommended/not recommended for

acceptance.

Prof. Prof.

Internal Examiner External examiner

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A-1, Special I.P.I.A. Jhalawar Road, Kota-324005

(: 0744-2490878, 2490402, E-mail: [email protected]: 0744-2438069

PREFACE

Masters of Business Administration (MBA), one of the most reputed

professional courses includes both theory and practical as a part of two-year

programme.

In this course each student is required to undergo practical Summer Training

in an organization of repute. Summer Training is an exercise by means of

which student learn many things, which cannot be taught in classroom

.

During summer training students understand the real Modus Operandi of the

concerned areas of interest in the real life situation.

The summer training process is endeavourer to convert all that is virtual into a

real image i.e. it helps in applying all the theoretical concepts into real

corporate world.

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It helps in developing the managerial skill using, which we can convert,

abstract into language and convey the thoughts and ideas from our mind to

others.

In this regard I have undergone Summer Training of 45 days at the renowned and

prestigious Kotak Securities, the subsidiary company of Kotak Mahindra Group

ACKNOWLEDGEMENT

The reporter of this project is grateful for the comments, suggestion, and

assistance given by a number of people. In particular I would like to thank, Mr.

Dheeraj Purohit (Regional Head), Mr. Rajendra Sharma (Branch Head) that he

always holds a lamp for me and I have done my summer internship under the

light of that lamp.

And one more name is there. Who is the real director of this movie, which I

have completed in these two months? The name is Mr. Praveen Singh

(Company guide).

I would like to say thanks by heart to Ms Anupama sharma my respected

Faculty guide for their invaluable guidance.

I was quite fortunate to get this project since I got an opportunity to do my

summer internship in the subsidiary of Indias leading financial Institution

Kotak Mahindra.

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As I have completed my internship in Kotak Securities Ltd. Which is the

Indias leading broking house and there I have got good and positive support

from each and every employee of the group.

Finally I would like to say thanks to all those who helped me directly or

indirectlyTHANKS.

DECLARATION

I Dikshant Sharma an MBA student of OKIM&R, KOTA do hereby

solemnly declare that present report entitled RISK TAKING PATTERN

OF DIFFERENT CUSTOM is based on my original work and the

reference from other work / publication taken after permission are duly

acknowledgment at relevant places.

DIKSHANT SHARMAMBA-II (SEM-III)

OKIM&R KOTA

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List of Tables:

Chart of Employed / Self-Employed people.

Chart of Businessman people.

Chart of Other customers.

List of Figures:

Regularity of investing in share market.

What makes a customer trade in shares?

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Comprehensive features of kotak securities ltd.

Safest market according to customers of kotak.

Average time period of holding securities.

Tips of kotak Effective or not.

List of Charts:

Process of Dematerialization of securities.

Process of Rematerialization of Securities.

REPORT FLOW

Certificate

Preface

Acknowledgement

Declaration

List of Tables, Figures & Charts

Chapter.1 Company Profile: Organization at a Glance

Genesis

Overview

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Kotak Group structure

Brand & Logo

Vision

Milestones Journey so far

Think Investment Think Kotak Kotak advantages

Kotak Securities Leadership in Indian Markets

Products and Services Kotak Securities

Demat account and its facilities

Facilities offered in a Demat Account

Dematerialization of Securities

Rematerialization of Securities

Benefits of opening Demat Account

Advantages of Scrip-Less Trading

Convenient Process of Transmission

About Customers

About Competitors of Kotak Securities Ltd

SWOT analysis of Kotak Securities Ltd.

Chapter 2. Project Profile: Introduction

Risk

Non-Diversifiable Risk

Diversifiable Risk

Chapter 3. Objective of the study

Chapter 4. Research methodology

Sampling size

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Sampling unit

Research procedure

Limitation

Chapter 5. Data Presentation

Analysis and Interpretation

Chapter 6. Finding and Conclusion

From the data of Employed / Self Employed People

Mantra of getting business from Employed / Self Employed People

From the data of Businessman

Mantra of getting business from Businessman

From the data of other Customers

Mantra of getting business from other Customers

General Conclusion

Chapter 7. Recommendation

References and Bibliography

Appendix: questionnaire

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ORGANIZATION AT A GLANCE

Genesis of Kotak:

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When I first visited the USA many years ago, I was fascinated by the

imposing presence of financial giants such as JP Morgan, Goldman Sachs,

Merrill Lunch and Morgan Stanley.

They started Small, took their names from their founders and went to become

global financial institutions that far outlived the founders.

I believed then, as I do now, that one day, India and Indian Financial

Institutions would have their place in the sun.

Kotak Mahindra was born out of this belief.

- Uday Kotak

OVERVIEW

About Kotak Mahindra Group:

Kotak Mahindra is one of Indias leading financial conglomerates, offering

wide range of financial services that encompass every sphere of life, from

commercial banking, to car finance, to stock broking, to mutual funds, to life

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insurance, to investment banking, the group caters to the financial needs of

individuals and corporates.

The group has a net worth of over Rs.34 billion, employs over 12,300 people

in its various businesses and has a distribution network of branches,

franchisees, representative offices and satellite offices across 320 cities and

towns in India and offices in New York, London, Dubai, Mauritius and

Singapore.

About Kotak Securities Ltd.:

Kotak Securities Ltd. is the INDIAS LEADING STOCK BROKING HOUSE,

which allows investor to invest in Equity, Derivatives (Futures and Options),

Mutual funds, IPOs Margin Trading, Depository Services and other financial

products.

Kotak securities Ltd.is a subsidiary company of Kotak mahindra group.

Its nationwide presence is reflected by a strong retail distribution network that

spans indias top 277 cities with 167 branches, 900 sub-brokers & over

20,000 coordinators. This facilitates process over two lakh secondary market

trades everyday with help of 3,15,000 customer.

Kotak Group Structure

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BRAND & LOGO

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The symbol of InfiniteKa reflects our global Indian personality.

TheKa is uniquely Indian while its curve forms the infinity sign, which is

universal.

One of the basic tenets of economics is that mans needs are unlimited.

The InfiniteKa symbolizes that we have an Infinite number of ways to meet

those needs.

VISION

Kotak Group wants to be:

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A globally Indian financial services brand.

One of the most trusted financial service company.

The most preferred employer in financial services.

MILESTONES A Journey so far

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Think Investment Think Kotak

Two decades of experience in financial services.

Complete range of financial products and services.

Kotak Securities Ltd. Advantages:

An enviable financial service company.

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Flat hierarchy and easy accessibility to senior management.

Young and energetic workforce.

Strong emphasis on learning and development.

What so unique about Kotak securities Ltd.???

A Unique account that gives investor:

Convenience: The account integrates investors banking, broking and demat

accounts. This enables investor to trade in shares.

Centralized Risk Management: At Kotak Securities Ltd. Risk management team

comprises 30 members who have implemented systems in different areas and

structured the Risk management cell primarily managing online risk, Market risk

and Operational risk.

Centralized Back Office: To handle large operations most broking firms worked

with decentralized back offices, Kotak the ones to set a trend of a centralized back

office in Mumbai, which has a work force over 500 dedicated people.

Trust:Kotak Securities Ltd. comes to the investor from Kotak Mahindra Group

the organization trusted by millions of Indian

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LEADERSHIP IN INDIAN MARKET

Kotak Securities Ltd. is India's leading stock broking house with a market

share over 9 % as on 30th June 2007. Kotak Securities Ltd. has been the

largest in IPO distribution.

The accolades that Kotak Securities has been graced with include:

# 1 Book runner/ Lead Manager in terms of value of Indian

equity offerings (PRIME Database) 2006, 2005, 2004, 2003

Euro money Award (2006 & 2007) - Best Provider of

Portfolio Management: Equities.

Best Equity House in India: 2006, 2005, 2004, 2002-2003

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Best Domestic Equity house: 2004, 2002-2003

IFR Asia's India Equity House Award for the year 2004.

Best Broker - Kotak Securities: 2005

Best Domestic Investment Bank and the Best Equity House: 2006

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PRODUCTS AND SERVICES

A product for every need: Kotak Securities Ltd. is the INDIAS LEADING

STOCK BROKING HOUSE, which allows investor to invest in Equity,

Derivatives (Futures and Options), Mutual funds, IPOs Margin Trading,

Depository Services and other financial products.

1. Equiy:

Cash Trading: This is a delivery based trading system, which is generally

done with the intention of taking delivery of shares or monies.

Margin Trading: To help you invest in your dream stocks, Kotak Securities

Ltd. brings to you Margin Trading facility of up to 50%*. In other words, you

can buy scrips by paying a part of the total sum, while the balance will be

funded by Kotak Securities.

2. Derivatives:

Constant risks have stimulated market participants to manage their risks

through various risk management tools. Derivative is one such risk

management tool. Kotak Securities offers you insight into the world of

derivatives, enabling you to cope with market volatility.

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3. Mutual Funds:

Kotak Securities offers a wealth of mutual fund choices along with

competitive research and advice to help you invest wisely.

4. IPOs:

Kotak Securities enables clients to invest wisely in the potential and lucrative

IPOs.

5. Depository Services:

Kotak Securities is a corporate member of NSE and BSE, and depository

participant with NSDL and CDSL. Even as a non-trading member client can

open a Demat account with Kotak Securities and receive regular account

reports and an efficient service at all times.

6. Leading through Research:

Kotak Securities has a strong research team that is involved in macro-

economic studies, and industry and company specific equity research.

Research from Kotak Securities constantly helps investors take informed

investment decisions.

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DEMAT ACCOUNT AND ITS FACILITIES

Since the inception of the new system of electronic scripless

trading, if a investor wants to avail all the depository services offered by the

depository, he/she is required to open a demat account with a depository

through a DP.

This demat account is very much similar to saving/current account of a bank,

with the only difference being that it deals with securities in electronic form

and not in money.

At the time of opening an account, the investor has to sign an agreement with

the DP in the depositorys prescribed standard agreement, which details the

rights and duties of both the investor and the DP.

For this purpose, the investor has to submit a proof of identity and proof of

address along with the prescribed account opening form.

There is no restriction on the number of DPs an investor can open an account

with, but the account should be opened in the same ownership pattern in

which the securities are held in physical form.

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FACILITIES OFFERED IN A DEMAT ACCOUNT

Dematerialization of securities:

Dematerialization is the process by which physical certificates of an

investor are converted to an equivalent number of securities in electronic form

and credited in the investors account with its DP.

In order to dematerialize certificates, an investor will have to first open an

account with a DP and then request for the dematerialization of certificates by

filling up a Dematerialization Request Form (DRF), which is available with a

Dp and submit the same along with the physical certificates.

The investor has to ensure that before the certificates are handed over

to the DP for demat, they are defaced by marking Surrendered for

Dematerialization on the face of the certificates. After this, the registrar ofthe companies takes the existing physical certificates of the investor back and

destroy them and an equivalent number of securities are credited in electronic

form in investors demat account.

Similarly, when an investor buys or is issued new securities, he/she will

not get physical share to confirm proof of ownership but only a confirmation

receipt as proof of ownership and his/her shares get credited in an electronic

form in his/her demat account.

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Process of Dematerialization:

Submit a formal request for dematerialization on a DRF along with

duly cancelled Surrendered for Demat share certificates.

The DP verifies the signature of all account holders and the order of the

names in the demat account and the certificates to ensure that the

pattern of holding is same.

It later processes the certificates and forwards them to the

Registrar/company.

The Registrar or the Company receives and processes these certificates,

i.e., checks and verifies the records

On electronic confirmation from the company, the depository credits

the investors demat account and intimate it to the DP.

Once the investor gets a credit in the account, the scrip will be reflected as

free balance in his/her demat account statement.

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Demat request form and

Share certificate

Intima

tes to

Demat Request Forwarded Demat Request Credit the

Demat securities

Checks and verifies the record

If in order Electronic

Confirmation

Dematerialization Process

Investor

Depository

Depository Participant

Registrar and TransferAgent

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Rematerialization of Securities:

Rematerialization is the term used for converting electronic holdings backinto physical paper share certificates. If an investor wishes to get back his/her

securities in physical form, all he/she has to do is to request his/her DP for

rematerialization of the same. The DP will forward his/her request to NSDL,

after verifying that for the necessary balance. NSDL in turn will intimate the

registrar who will print the certificates and dispatch the same to you.

Process of Rematerialization

Submit a formal request for rematerialization on a Remat Form duly

signed by all account holders to the depository.

The DP will intimate the remat request to the depository after proper

verification and checking.

The depository will confirm this remat request and finally forward its

details to the Registrar.

The Registrar will update its records and will print and issue a new

scrip certificate.

The Registrar then forwards it to the shareholders address as given in

the account Demat Account opening form.

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Submits request for

Rematerialization

Certificates

Dispatching

Remat Request Intimated

Updating Records and

Printing Scrip

Certificates

Rematerialization Process

Investor

Registrar

Depository Participant

Depository

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Confirmation of Remat Request

BENEFITS OF OPENING A DEMAT ACCOUNT

Demat account has become a necessity for all categories of investors

for the following reasons/ benefits:

SEBI has made it compulsory for trades in almost all scrips to be

settled in demat mode. Although, trades up to 500 shares can be settled

in physical form, physical settlement is virtually not taking place for

the apprehension of bad delivery on account of mismatch of signatures,

forgery of signatures, fake certificates, etc.

It is a safe and convenient way to hold securities compared to holding

securities in physical form.

No stamp duty is levied on transfer of securities held in demat form.

Instantaneous transfer of securities enhances liquidity.

It eliminates delays, thefts, interceptions and subsequent misuse of

certificates.

Change of name, address, registration of power of attorney, deletion of

deceased's name, etc. - can be effected across companies by one single

instruction to the DP.

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Any number of securities can be transferred/delivered with one delivery

order. Therefore, paperwork and signing of multiple transfer forms is

done away with.

Each share is a market lot for the purpose of transactions - so no odd lot

problem.

It facilitates taking advances against securities on low margin/low

interest

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ADVANTAGES OF SCRIP-LESS TRADING

It provides for protection against loss, theft, forgery or mutilation of

share certificates in transit.

It provides protection against bad deliveries and likelihood of fake

certificates in the market.

It results in immediate transfer and registration of securities in an

electronic form.

Shorter settlement period especially after introduction of T+2 system

w.e.f. April 1,2003.

There is no need to pay any stamp duties as required in case of physical

transfer of shares.

Faster disbursement of non- cash corporate benefits like rights, bonus

etc.

Reduction of brokerage by many brokers for trading in dematerialized.

Reduction of handling huge volume of papers.

Investors need to maintain only a single account for all types of

securities.

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CONVENIENT PROCESS OF TRANSMISSION.

Elimination of problems related to selling securities on behalf of a

minor.

Ease in portfolio monitoring

Indemnification of certain losses.

Costs are reduced substantially are compared to the highly expensive

paper-based trading

Shareholders can buy or sell just one share and not market lots.

Problems or hurdles in providing Depository Services

Hidden cost like opening of a current saving account with DP.

Exposure to DP charges for custody or administration

Custody charges are annual recurring feature.

Risk of failure or fraud by the broker administering the account.

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Proper infrastructural facilities are not available.

Millions of small investors are spread across remote villages where

DPs are not accessible.

Sometimes the system may be time consuming.

Wrong DP ID entered by the brokers or investors.

Companies may reject the request due to a signature mismatch.

Effective loss of name on register, and rights as a member of a

company.

A DP handling the account and a broker selling the shares are two

different identities.

Inability to trade a holding via any brokers other than the broker

administering the account.

Exit fees and other barriers to transferring holdings away from a D

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CUSTOMER

Kotak Securities Ltd. a leading stock broking house of India is working as per

the guidelines provided by the SEBI (security exchange board of India) where

in any body can open a demat account but he/ she should have PAN card

which is being issued by the INCOME TAX DEPARTMENT of India.

Although this is being come into existence by this year but Kotak Securities

Ltd. is the only company, which is following it strictly.

This is the tradition at Kotak Securities Ltd. that they are walking only and

strictly on the way, which is being set by the authorities.

Kotak Securities Ltd. is mainly known with Kotak Mahindra group and this is

the second largest bank of India.

If we talk about kota where I am working here Kotak Securities Ltd. is

working from last few months but the customer base we are acquiring is kind

of threat for the online brokers because they are now loosing their position.

People are taking transfer from online to offline share trading and KotakSecurities Ltd. is the only popular name in offline share trading.

In Kota mainly the people from big corporate are the regular customer of

Kotak Securities Ltd.

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Kota is emerging as one of the biggest science institutes hub of India where

in the people who are working in these institutes have great amount to invest.

COMPETITORS

Kotak Securities Ltd. is an offline share-trading firm, which is mainly

competing with the online brokers because in Kota online brokers are

working from last few decades and they have strongly captured the market of

Kota. They were strong just because of mentality of Kota people as well as

the infrastructure available for trading but the scenario is changing day by

day.

Presently a number of terminals are working in Kota and the people

wants to join the Kotak Mahindra group.

This is not the thing which makes worry (Kotak Securities) Kota. But

the thing, which is kind of, threats for the Kotak Securities Ltd. Kota

especially that is the brokerage criteria. Because we have a fix criteria of

brokerage where in brokers negotiates according to the customer this is what

I feel after spending almost one and half month in Kotak Securities Ltd.

For this we are targeting the premium customers and making them aware of

offline as well as giving them information about IPO scam which is being

happened a month before. And this is the right thing to do at this time because

except Kotak Securities Ltd. every body is under scrutiny although many of

them got the clean chit. But still we can use it as a competitive strategy.

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MAJOR COMPETITORS OF KOTAK SECURITIES

ICICI direct.com

Share khan

Karvy Broking

Suresh rathi

Anand rathi

Nirmal bang

Bonanza Online

Religare

Zuari Investment

India Infoline

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SWOT ANALYSIS OF KOTAK SECURITIES LTD.

STRENGTHS:

Credibility of Kotak Mahindra group in market.

Loyal and lasting customer relationship.

Wide Marketing network consisting Rawatbhata, Bundi, Baran and Kota

itself.

Features of our products and services

Quality of product is up to global standards.

Strategic thinking.

Global thinking and acting.

WEAKNESS:

High dependency on corporate customers.

Lack of manpower as far as NST is concerned.

Lack of sales promotion schemes.

Kotak Securities Online.

OPPURTUNITY:

Sensex is doing well now days.

DLF is about to come with its IPO and that will be the biggest IPO till now

and IPO is real strength.

Kotak Mahindra is the associate bank of DLF.

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THREAT:

Entry of R-TRADE in market.

Sensex is affecting by a number of activities other than business

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INTRODUCTION OF THE PROJECT TITLE

This project is related to the risk taking abilities or habits of different customers.

And I have done this research in the city like Kota. Kota is having customer with

all types. The members from each group is interested in share trading this is what

I have felt after completing the summer internship consisting of four months.

Before joining Kotak Securities Ltd., I personally feel that this product is only and

only for those who have great knowledge about Share market and mainly about

offline trading. But scenario is quite a bit different from what I felt.

My project is having a clear goal like I have tried to find out the habits of taking

risk of customers. This thing will surely helps Kotak Securities Ltd. Kota in

finding the new customers. This project will make easy the targeting activity.

The problem, which Kotak Securities Ltd. is facing, that they are not targeting

customers with an idea. Because they dont have any base data which tells them on

what time which type of customer should be targeted by them?

The conclusion of this project will provide a data and that data will help web trade

Kota in planning the things. I have done this project mainly in the reference of

Kota so this data will only and only help in capturing the Kota market.

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The problem of targeting customer with right time and right place is being

occurred because the market of Kota is changing day by day according to sensex.

If we talk about competition in Kota it is on its peek and mainly the competition is

between the online brokers and in offline share trading companies.

Many people having their demat account in the depository of offline brokers

(Anandrathi, Anagram, and Zuari) & online brokers (Reliance Money, ICICI).

Now conclusion of this project can provide an idea of targeting.

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RISK

One cannot talk about returns without talking about risk, because investment

decisions always involve a trade-off between risk and return.

Risk can define as the chance that the actual outcome from an investment

will differ from the expected outcome.

Being an investor or trader a person always have two type of risk that is as

follows.

Non diversifiable risk:

Major changes in tax rates.

War & other calamities.

An increase or decrease in inflation rates.

A change in economic policy.

Industrial recession.

An increase in international oil prices, etc.

Diversifiable risk:

Company strike.

Bankruptcy of a major supplier.

Death of a key company officer.

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Unexpected entry of a new competitor.

OBJECTIVE OF THE STUDY

To know the effectiveness of tips of kotak securities ltd which are given to

customer.

To know the average holding period of securities for the customer of kotak

securities ltd.

To estimate the risk taking pattern of the customers.

To know safest market according to customer.

To know about regular investor/trader of share market.

To know the comprehensive features of Kotak Securities Ltd.

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Meaning of Research

Research in common parlance refers to a search for knowledge.

A careful investigation or enquiry especially through search for new facts in

any branch of knowledge.

Advance Learners Dictionary of current English

Research comprises defining and redefining problems , formulating

hypothesis or suggested solutions; collecting , organizing and evaluating

data; making deduction and reaching conclusion and at least carefully testing

the conclusions and to determine whether they fit the formulating

hypothesis.

Clifford Woody

RESEARCH PURPOSE

The project aims to find the Risk taking pattern of different customer.

The pattern was surveyed for the following people:

Employed people.

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Business man.

Other people.

Research methodology

Research methodology is a way to systematically solve the research problem.

It may be understood as a science of studying how research is done

scientifically, Researchers need to know which of the methods or techniques,

are relevant and which are not ,and what would they mean and indicate and

why. Researcher also need to understand the assumption underlying various

techniques and they need to know the criteria by which they can decide that

certain techniques and procedures will be applicable to certain problems and

others will not .

Sampling Unit.

Sample Size.

Research Procedure.

Data collection.

Sampling Unit

A decision has to be taken concerning a sampling unit before selecting

sample. Sampling unit may be geographical one such as state, district, village

etc., or a construction unit such as house, flat etc., or it may be a social unit

such as family club, school etc., or it may be an individual. The researcher

will have to decide one or more of such units that he has to select for his

study.

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This project is mainly based on primary data, which I have collected through

questionnaires. As this questionnaire is the way of knowing the risk taking pattern of

the existing customer of Kotak Securities Ltd .

Sampling Size

Sample size, which I have decided that is 100 customers for this project.

Research Procedure

Firstly I have collected the list of existing customers of Kotak Securities Ltd.

Kota and than I have started the activity of spreading questionnaires to those

customers.

Data Collection

The data was collected by the questionnaire method. A questionnaire was

prepared which consisted of 6 questions to be filled by the customer.

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LIMITATIONS OF THE STUDY

oLimited sample size of Kotak securities customers.

oLimited data.

oData discrepancies.

oDifferent scales for different parameters.

oEntire process of project calculation may not be exact averages ofaverages.

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DATA PRESENTATION & INTERPRETATION

1. People are regular investor / trader of share market?

REGULARITY OF INVESTING IN

SHARE MARKET

YES NO

Interpretation:

37 % Regular investor / trader.

63 % People are Irregular investor / trader.

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2. What makes influence people to trade in share market where uncertainty on its

peek?

WHAT MAKES A CUSTOMER TRADE

IN SHARES

100

0 00

50

100

150

PROFITABILTY PASSION PRESTIGIOUSNO.OF

PEOPLE

Interpretation:

100 % People Trade For Share Only For Profitability, not for passion or

Prestigious.

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3. Liking of people in these comprehensive features of Kotak Securities Ltd

Interpretation:

60 % of Customers are Interested In Equity trading with Kotak Securities.

21 % of Customers are Interested In Mutual Funds with Kotak Securities.

19 % of Customers are Interested In IPOs with Kotak Securities.

Comprehensive features ofKotak Securities Ltd.

60%21%

19%Equity trading

IPO

Mutual Fund

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4. Safest market according to customers of Kotak Securities Ltd.

Interpretation:

54 % of People Says that Primary market is the safest market with Kotak

Securities.

46 % of People Says that Secondary market is the safest market with Kotak

Securities.

5 4

4 6

4 0 4 5 5 0 5 5

p r i m a ry

se c o n d a r y

Sharemarkets

p e rc e n t

p e rc e nt a

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5. Average holdings period of securities for the customers of Kotak Securities Ltd.

Interpretation:

13 % People hold the securities for 5-10 days.

41 % People hold the securities for 10-30 days.

46% People hold the securities for more than 30 days.

average time period of holdin

13

41

46

5-10 days

10-30 days

30< days

Days

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6. Tips available on Kotak Securities Ltd. are how much effective as far as risk

taking ability is concerned of the investor / trader are they able to change their risk

taking ability?

.

Interpretation:

56 % people say that tips are effective.

44 % people say that the tips are not effective.

Tips of Kotak Securities Ltd. are effective or not

56%44%

Yes

No

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FINDING & CONCLUSION

The data I have collected have a number and the number is one hundred.

Employed/self employed -30

Businessman -18 TOTAL 100

Others -52

The basic idea, which my project had that as, follows.

I have to find out the risk taking pattern of the different age group.

I have to find out the risk taking pattern of the person of the different

occupations.

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EMPLOYED SELF EMPLOYED PEOPLE

AGE GROUP 20-30 30-50 50

Documents

Risk Taking Pattern of Different Customer