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SAVING AND INVESTMENT PATTERN OF TEACHERS IN HYDERABAD CITY - A SURVEY

This is my project report presentation<br>I did my internship in sharekhan ltd and did my project report on saving and investment pattern of teachers in Hyderabad city - A Survey. In this presentation we can know about my internship details and on job training. in this slides we can know the saving and investment behavior of teachers in Hyderabad city. The survey is conducted by primary data

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SAVING AND INVESTMENT PATTERN OF TEACHERS IN HYDERABAD CITY - A SURVEY

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  1. SAVINGS OF INVESTMENT PATTERN OF TEACHERS IN HYDERABAD CITY -A SURVEY ON JOB TRAINING: Promotion and Sale of Demat account of Sharekhan Ltd Faculty Guide: Prof. Dr. L. Krishna veni Professor Name: KARTEEK CHEDADEEPU Roll No: B10-006 PGDM BIFAAS SSIM

  2. CONTENTS  OJT  Chapter I - Introduction  Chapter II - Review of Literature  Chapter III - Research Methodology  Chapter IV - Data Analysis  Chapter V - Findings & Conclusions  Bibliography  References

  3. ORGANISATIONAL STUDY OF SHAREKHAN  Sharekhan is one of the leading retail broking house of SHANTILAL SHEWANTILAL KANTILAL ISWARNATH LIMITED (SSKI) Group which was running successfully since 1922 in the country  Sharekhan was launched first online website portal for online trading on Feb 8, 2000.  Sharekhan is ranked 2nd largest stock broker portal and has its above 1200 branches in 575 cities in India and the number of investor accounts with about 1.2 million clients.  It introduces two types of trading accounts – speed trading. Trade tiger.  Some of the clients include HSBC, Intel & Carlyle are the other investors,BPL Cellular Holding, Gujarat Pipavav, Essar, Hutchison, Planetasia, and Shopper’s Stop.

  4. SWOT ANALYSIS: OPPORTUNITIES: STRENGTHS:  Improve Web based trading  Focus on Institutional investors  Concentrate on HNI (HIGH NET WORTH INVESTOR)  Educated people  Wide range of innovative financial Products Big client base User friendly tie ups with 10 banks THREATS  Aggressive promotional strategies by close competitor like Religare, Angel Broking and India bulls Excellent order execution speed and reliability WEAKNESS  Entry of foreign finance firms in Indian Market  Lack of awareness among customer  Less focus on customer retention  Less exposure  Lack of sufficient branch office for speedy delivery of services.

  5. OJT TITLE: Promotion and Selling of Demat Accounts of Sharekhan Ltd TARGETS:  To promote the sales of the Demat Account  To sell at least 5 to 10 DematAccounts to the perspective investors in the Hyderabad city. ACHIEVEMENTS:  I talked with 400 new customers and the existing customers of Sharekhan Ltd from the data base provided by corporate guide.  I have educated the customers and sold 11 Demat accounts and surpassed the given target.  I entitled to get stipend of Rs. 5,000 LIMITATIONS  Faced language difficulty while talking to different customers.  Some of the customers are not lifted the phone, and Some of them have not responded  Some of the customers are impatient and reluctant towards my calling  The practical difficulties involved in the promotion and selling of financial products and services

  6. Learning outcomes from IIP Understood the share market Interacted with 400 clients and promoted demat accounts How to speak with customers and promote the products through cold calling. Understood the promotion of accounts through cold calling Be patience to hear complaints/grievances from the customers. Utilized my relatives, family friends, and my own friends to convince the benefits of financial investments through demat account

  7. INTRODUCTION  SAVING Savings is the portion of income not spent on current expenditures.  Y = C + S, where S = personal saving, Y = Real GDP and C - Real Consumption Spending. Real GDP measures as a flow of earning is either consumed or saved  INVESTMENT The terms investment refers to the keeping our money in the financial assets and keeping in somewhere else. The invested amount can increased for the future. It may have return also. Types of Investment Avenues Household savings Government savings Corporate savings

  8. REVIEW OF LITERATURE  Prof. Harshvardhan N. Bhavsar, stated that the study was to determine the relationship between the savings and investments literacy among the school teachers. The study was done on the different government and private school teachers. The main avenues of investment are Bank deposits and the main purpose of investment is for children’s education, marriage, and security after retirement.  Dr. Varsha Virani, exposed the study of the major impact on savings is due to the level of income of the school teachers. This research shows that majority of the respondents are saving money as Bank deposits for the safety of an unpredictable future. The main avenues of investment are Bank deposits and the main purpose of investment is for children education, marriage, and security after retirement.  Dr. D. Umamaheswari, Ms. K. Suganthi, The study which it shows the low income of the teachers have been saving for future needs. Today the teaching community has started realizing the importance of money and money’s worth. The research shows that the majority of most of the teachers are saving money as bank deposits, gold, post office deposits and LIC.

  9. RESEARCH METHODOLOGY Research Topic Savings and Investments Pattern of Teachers in Hyderabad City. Objectives of the study:  To examine the demographic profile of the respondents in the Hyderabad.  To examine the saving and investment pattern of the teachers in the Hyderabad City.  To understand the perceptions of the respondents on savings and investments of teachers in the field of educational on Private and Government Employees. Data Collection: My study is based on the primary data using a questionnaire method. It consists of 26 questions Sample size ---- 100 members Type of sampling ---- convenient sampling Area of study ---------- Hyderabad city Period of study ---- 5thJune 2017 to 1stAugust 2017 Tools applied in this study are as follows: The tools which were applied in this study are Percentage, Averages, Pie diagrams, Bar Diagrams etc. using excel sheets.

  10. DATA ANALYSIS Age MARITAL STATUS GENDER 80% 20 - 30 31 - 40 41 - 50 Above 50 GEND… 60% Female 43% 64% 40% 19% 36% 31% 20% Male 57% 23% 0% 27% Married Unmarried 0% 20% 40% 60% EDUCATIONAL QUALIFICATION TYPE OF ORGANISATION 17% More than 15 years SSC 19% 4% 5% 10 - 15 years PRIVATE 77% 12% 13% UG 28% 5 - 10 Years 36% PG Less than 5 Years GOVERNMENT 23% 20% Professional 0% 5% 10% 15% 20% 25% 30% 35% 40% 0% 50% Others 100% YEARS OF EXPERIENCE 46% Phd

  11. LEVEL OF DESIGNATION MONTHLY INCOME FAMILY SIZE 100% 26% 80% Less than Rs. 10, 000 60% 40% 17% 49% 11% 40% 16% Rs. 10,000 to Rs.30,000 Top Level FAMILY SIZE 20% 29% 9% 0% Rs. 30,000 to Rs.50,000 1 - 3 Middle level 4 - 6 Above 6 48% Above Rs. 50,000 55% Lower level Investment of Savings proportion of savings and expenditure Others 5% Spending Monthly Income Investment of Savings Precious Metals (Gold, Silver,… 15% Real estates 10% 50% 10 : 90 15% 39% 43% 50 : 50 22% 40% Pension funds 5% 30% Mutual funds 10% 20 : 80 16% 11% 20% 7% Shares, bonds etc. 10% 10% 40 : 60 21% 0% Shares, Bonds etc., Mutual… Shopping 10% Savings Investment 30 : 70 26% All of the above Savings Account (Fixed… 30% 0% 10% 20% 30% 40%

  12. started saving and investment Reasons for Saving Below 15 27% Above 25 33% Purchase of Property, To Claim Income Tax Benefit, Marriage of Children's… 9% Purchase of Property, To Claim Income Tax Benefit, Marriage of Children 5% 15 - 19 11% 19 - 25 29% Purchase of Property, Marriage of Children, For Children's Education 30% Other (Finan advisor, agents) 7% Manage Investments 6% Purchase of vehicle Reasons for Saving 9% To Claim Income Tax Benefit Through Bank 23% 19% For children’s education Self- Managed 62% 18% Purchase of Property Stock Brokerag e 8% 0% 5% 10% 15% 20% 25% 30% 35%

  13. Relationship between monthly income and monthly saving Monthly Income % of Monthly Savings 10-20% 3 17 9 2 Grand Total 0 – 10% 3 11 7 3 30 - 40% 2 12 4 7 20 - 30% 2 10 7 6 Less than Rs.10, 000 Rs.10,000 to Rs.30,000 Rs.30,000 to Rs.50,000 Above Rs.50,000 10 50 27 18 Age group 20 - 30 11 1 REASON FOR SAVING 30 - 40 5 3 40 - 50 5 11 50 above Purchase of Property For children’s education 7 To Claim Income Tax Benefit 5 6 2 1 1 Purchase of vehicle Purchase of Property, Marriage of Children, For Children's Education 3 10 10 10 Purchase of Property, To Claim Income Tax Benefit, Marriage of Children 3 2 2 1 Purchase of Property, To Claim Income Tax Benefit, Marriage of Children's Education 2 5 2 2

  14. RECOMMENDATIONS/ SUGGESTIONS  There are many new investment avenues have entered the market. The awareness needs to be created among the school teachers. The school teachers need to understand the market situation and invest accordingly. To create the saving habits among the school teachers the mode of saving needs to be very attractive. The school teachers should go for expert advice before investing. The school teachers can also invest in long term securities like Debts, Commodities, Securities

  15. BIBILOGRAPHY www.Google.com www.Sharekhan Ltd.com www.wikipedia.org www.Scholar.google.com REFFERENCES 1. Prof. Harshvardhan N. Bhavsar, A Study of Saving and Investment Pattern of School Teachers with special reference to Ahmednagar City, Maharashtra, IBMRD's Journal of Management and Research, Print ISSN: 2277- 7830 2. Dr. Varsha Virani, Saving and Investment Pattern of School Teachers – A Study with reference to Rajkot City, Gujarat, National monthly refereed journal of research in commerce & management, volume no.2, issue no.4 ISSN 2277-1166 3. Dr.D.Umamaheswari, Asst.Prof., Ms.K.Suganthi, Investment Pattern and Savings of Teachers at Sirkali Town in Tamilnadu, International Journal of Managerial Studies and Research (IJMSR) Volume 3, Issue 12, December 2015, PP72-75 ISSN 2349-0330 (Print) & ISSN 2349-0349 (Online) www.arcjournals.org 4. T. Maheswari, Saving and investment behavior of rural household (With special reference to Coimbatore District), International Journal of Multidisciplinary Research and Development Online ISSN: 2349-4182, Print ISSN: 2349- 5979, Impact Factor: RJIF 5.72 www.allsubjectjournal.com Volume 3; Issue 3; March 2016; Page No. 270-274 5. L. Pandiyan, Dr. T. Aranganathan, Savings and Investments Attitude of Salaried Class in CUDDALORE District, IOSR Journal of Business and Management (IOSRJBM) ISSN: 2278-487X Volume 1, Issue 1 (May-June 2012), PP40-49 www.iosrjournals.org 6. Deepak Sood, Dr. Navdeep Kaur, ‘AStudy of Saving and Investment Pattern of Salaried Class People with Special Reference to Chandigarh (India)’, International journal of Research in Engineering, it & Social sciences (issn 2250-0588) (impact factor: 5.07, volume 5, issue 2, february 2015) website: www.indusedu.org

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