A Project Report on “Investment environment for shares in Belgaum”conducted for Geerak Marketin

“Investment environment for shares in Belgaum”conducted for Geerak Marketing [Type the

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TABLE OF CONTENTS

Sl.No. Topic Page No.1 Executive Summary 2

2 Company Profile 3

3 Investment and It’s Objectives 10

4 Indian Securities Market 18

5 Shares 20

6 Basics of Equity Investments 23

7 Dematerialization & Trading account 30

8 Money Mantras 34

9 Research Objectives 36

10 Data Analysis 39

11 Findings and Suggestions 60

12 Suggestions 61

13 Conclusion 62

14 Bibliography 63

15 Annexure 64

Babasabpatilfreepptmba.com


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EXECUTIVE SUMMARY

This project report is the outcome of study entitled “Investment Environment For Shares

in Belgaum City” at “Geerak Marketing”.

The report starts with overview of Geerak Marketing Group. Then report briefly provides

information about the functions of Geerak Marketing Group in brief. Then the

introduction to Investment and its objectives. The project continues with the brief

introduction to Indian Securities Market and Share and its advantages and disadvantages.

It also deals with demat and trading account.

The research is about the investment preference of individuals in Belgaum city. The

segment covered are Professionals, Businessman’s, Government employees, Others.

This report consist some of interesting things about the their investment preferences,

Criteria they would consider while investing and their risk profile. It also covered study

about their investment in shares, factors influencing them for trading with their brokers,

and their satisfaction level with the broker. The project report ends with findings,

suggestions and conclusion.



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Company Profile

In November 1985 Mr. Nanalal Karva started an investment consultant firm “Geerak

Marketing “. With decades of working experience and business family background this

firm has established with a view to bring the citizens of northern part of Karnataka in the

main stream of investors at national level. Since its establishment the firm is continuously

engaged in serving the investors family. In fact, given the scenario, it will be much

appropriate to say thus “Geerak” is the first organization that has educated & introduced

the citizen of this part of Karnataka to the Stock Exchange.

Geerak marketing was first incorporated as a private limited company on

16th June 1992 subsequently converted into a public limited company on 25th October

1995. The new entity was named “Geerak Marketing” Stocks & Shares Broker Limited

(GMSSBL).

Mr. Nanalal Karva & his family hold majority of the shares in the company.

GMSSBL of Geerak Marketing, which was in existence since 1985. Ultimately GMSSBL

ahs become the flagship company of Geerak group to serve the investors.

The company earns its maximum income as brokerage and for dematerialization

transferring the shares etc. The company consists of a depository participant section

which handles the dematerializations of the shares demat account etc. It consists of a

back office which handles the account of the company. The print outs of various contract



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notes of the client of all the branches are taken and signed by Mr. Nanalal Karva & sent

to the respected branches by courier.

In the year 2000 Geerak Marketing was registered with the brokers at Cochin and

through the Peninsular Capital Market Ltd. The firm has grown to reach immense height.

It has withstood all odds in the market & has emerged as a true leader in the bargain.

Geerak is widely recognized as a trustworthy organization and now it has been successful

in satisfying its client’s interest and doing its best.

Scope of activities

Scope of activities for Geerak has been

1. Stock and shares broking as such broker of

a. National stock exchange .

b. Bombay stock exchange.

2. Investment advisory service for

a. Resident Indians

b. Non-resident Indians.

3. Mobilizing fixing deposit for other corporate.

4. Establishment of service centers at semi – urban and rural to meet the investor’s

needs.



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5. Depository services which are being offered through

a. Normal bang securities private Ltd. Mumbai.

b. Ventura Capital market limited . Mumbai.

c. Stock Holding Corporation of India Limited. Hubli.

d. Trading in futures and options.

Investment related other diversified services provided by Geerak.

1. New issue forms, applications for bonds, debentures and fixing deposits.

2. Investment in mutual funds of UTI, Allience, Kothari. Zurich, Kotak mahinder,

LIC, GIC, Cholamandala etc.

3. Investment in government securities.

4. Investment in tax free bonds.

5. Investment of long term gains under Section 54A in the prescribed infrastructure

bonds.

Some value added services provided by Geerak.

1. Investment regarding what shares to buy/sell and what are the market condition.

2. Technical analysis and arriving the trends in the market of index and individual

scrip’s.

Arranging investors meeting to provide information on the day-to-day

changes in the stock market and investment related activities.



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3. Arrangement of peens post budget meetings for the investors.

4. Transfer of shares and transmission of shares.

Geeerak Branches

Geerak has its branches operating at Sirsi, Dharwad, Haveri, Gadag.

Sirsi branch is situated at

Jajashri finance complex

Sharadanand Street Sirsi – 581401.

Haveri branch is situated at

Banashankari Complex

Vidyanagar, P.B. Road,

Haveri – 580001

Dharwad branch is situated at

S.C. Patil complex

Subhash Road,

Dharwad – 580001

Gadag branch is situated at

#6, Siddalingeshwar complex

Station Road,



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Gadag – 581103.

The mjor services provided at their branches include training, in future and option buying

and selling shares through NSE.

CUSTOMER PROFILE.

The client base of Geerak Marketing includes bank employees, business people,retiered

persons, government employees, teachers and professor. Here some speculate while

some others take up delivery based trading. For few their objective remains “investing”

their surplus cash while some others enjoy hedging. Many clients also invest in mutual

funds: company deposits and still some others invest their money in debentures of

various companies.

Brokerage Charges

Trading :

0.075% to 0.02% on one side depending upon the volumes and margin money paid.



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Delivery Brokerage:

Min 0.40% to 1.25% depending upon the volumes and margin money paid.

Depository Charges

Account opening charges : Rs 80 to Rs 310.

Annual maintenance charges : varies from the services of depository. Starts from 310

onwards.

Transaction Cost: Min Rs 10 or Max 0.015%of the market value.

Minimum charges : Rs 80.

Custody charges : Nil to 0.75 as per month per ISIN

Geerak Placement Services

Apart from all these GEERAK also provides placement services under the banner “

Geerak Place Me” It has the database of almost 5500 candidates who are in securing a

job .

Free enrolment

Providing right job for right person



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Satisfactorily placed candidates in reputed concerns for the post of Accountant,

Managers, Sales Executives, Typists, Clerks, Computer operators, and Technical

personnel.

Basic services offered by a sub broker:

1. Online buying and selling of the shares through National Stock Exchange.

2. Online buying and selling of the shares through Bombay Stock Exchange

3. Trading in futures and options.

Value Added Services

Apart from providing basic services, it also becomes vary important on the part of sub

broker to guide an investor in this changing technological environment. The concept of

dematerialization of shares is relatively new. Further the rolling settlement and T+3

system of settlement has recently been started. Derivative trading is also introduced. To

explain to an investor all these ‘ new’ things, a broker/ sub broker plays a cruicial role.

Unlesss an investor becomes familiar with all these, he won’t in a better position. There

fore a broker/ sub-broker doesn’t have much option but to guide a common investor buy

providing value added services.

Following are the value added services provided by a broker / sub-broker.

1. Arranging investors meet, seminar etc to bring more awareness among investors

about

Dematerialization of Shares



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It’s working, It’s advantages, The different depository participants, the kind of

services provided by them, their charges, further with whom it is advisable to

open an account, for an investor, Scripts traded in compulsory de-mat form etc.

Derivative Trading

How to invest in futures and options, Settlement of system under futures and

options, various profitable strategies that can be adopted while trading in derivative

market, “Margin Money” to be provided while trading derivative etc

T+3 System of Settlements

1. It’s futures , It’s settlement system, It’s advantages , Obligations of an investor as

a buyer in this settlement system, Obligations of an investor as a seller in this settlement

system.

2. Advising an investor in which stock, when to buy, sell or hold.

3. To guide an investor about the source from where he can get the market information.

Future also guiding them how to analyze given information.

4. Arrangement of pre and post budget meeting for the investors.

5. Making an investor familiar with the “technical analysis” It is vary important for a

broker / sub broker to make his clients understand about technical analysis, it’s

importance, it’s working it’s advantages over other analysis etc. Further he should also

guide his investors to take up technical analysis temselves. For this purpose he should

hold the meetings and seminars on regular basis with objectives of making his clients

familier with technical analysis.



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6. Conducting meetings every now and then to explain the investors about the changes in

SEBI guidelines and the stock exchanges guidelines.

7. Educating investors to appear for exams conducted by National Stock Exchange via

National Stock Exchange’s Certificates in Financial Market (NCFM)

MAILING SERVICES

We are providing mailing services for individuals, companies, exhibition arrangers,

marketing companies etc.

They also have the address of the clubs association (Rotary, Lions, Bar Association,

Gymkhana Etc.) and mailing can be done to particular class/ category of people for which

maximum response can be obtained. The mailing on behalf of the interested person,

Labels are available of different categories, association etc. The Documents/Materials by

post or in person depending upon the requirements. Our services charges depend on case-

to-case basis.

INVESTING:

Investing in various types of assets is an interesting activity that attracts people from all

works of life irrespective of their, occupation, economic status, education and family

background. When a person has more money than he requires for current consumption,

he would be coined as a potential investor. The investor who is having extra cash could

invest it in securities or in any other assets like gold or real estate or could simply deposit

it in his bank account.



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INVESTMENT:

Investment is the employment of funds an assets with the aim of earning income or

capital appreciation. Investment has two attributes namely time and risk. Present

consumption is sacrificed to get a return in the future. The sacrifice that has to be borne is

certain but return in the future may be, uncertain. This attribute of investment indicates

the risk factor. The risk is undertaken with a view to reap some return from the

investment. For a layman investment means some monetary commitments. A person’s

commitment to buy a flat or house for his personal use may be an investment from his

point of view. To the economist, investment is the net addition made to the nation’s

capital stock that consists of goods and services that are based in the production process.

A net addition to capital stock means an increase in the building, equipments or

inventories. These capital stocks are used to produce other goods and services

INVESTMENT OBJECTIVES:

The main investment objective are:

1) Good rate of return

2) Reducing risk

3) Safety

4) Liquidity

5) Hedge against inflation

GOOD RATE OF RETURN



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Investor always expect a good rate of return from their investments. Rate of return could

be defined as the total income the investor receives during the holding period stated as a

percentage of the purchasing price at the beginning of the holding period. If it is a stock,

the investor gets the dividend as well as the capital appreciation as return. Market return

of the stock indicates the price appreciation for the particular stock, If a particular share is

purchased in 2003 at Rs 100 and the dividend yield is Rs 15, then the return would be,

EXAMPLE:

RATE OF RETURN

Consider following information about a certain equity share:

Price at beginning of the year 60.00

Dividend paid toward the end to the year 2.40

Price at the end of the year 66.00

Rate of Return = Annual Income +( Ending Price – Beginning Price)

Beginning Price

= 2.40+ (66.00-60.00)

60.00

= 0.14*100

= 14%



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RISK

Risk of holding securities is related with the probability of actual return become less than

the expected return. The word risk is synonyms with the purchase variability of return.

Investment risk is just as important as measuring its expected rate of return because

minimizing risk and maximizing the rate of return are interrelated objectives in the

investment management. An investment who’s rate of return varies widely from period to

period is risky than those whose return that does not change much. Every investor likes to

reduce the risk of his investment by proper combination of different securities.

SAFETY

The selected investment avenue should be under the legal and regulatory frame work.

Approval by law it self aids a flavor of safety. Even though approved by law, the safety

of the principal differs from one mode of investment to another. Investment done with the

government assures more safety with the private party.

LIQUIDITY:

Marketability of the investment to the investment, The liquidity depends upon the

marketing and trading facility. If a portion of the investment could be converted into cash

without much loss of time, it would help the investor to meet the emergencies. Stocks are

liquid only if they command good market by providing adequate return through dividends

and capital appreciation.



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HEDGE AGAINST INFLATION:

Since there is inflation in almost all the economy, the rate of return should ensure a cover

against the inflation. The return should be higher than the rate of inflation. Otherwise the

investor will have loss in real terms. The return thus ensured should ensure the safety of

the principal amount, regular flow of income and be a hedge against inflation.

INVESTMENT ALTERNATIVES

As an investor you have a wide array of investment avenue available to you sacrificing

some rigor, these may be classified as shown in this chart.

Non Marketable Financial Assets

A good portion of financial assets is represented by non-marketable financial assets.

These can be classified into the following broad categories.

1) BANK DEPOSITS

2) POST OFFICE DEPOSITS

3) COMPANY DEPOSITS

4) PROVIDENT FUND DEPOSITS

Equity Shares

Equity shares represents ownership capital. As an equity shareholder, you have an

ownership stake in the company. This essentially means that you have a residual interest



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in income and wealth perhaps, the most romantic among various investment avenues,

equity shares are classified into following broad categories by stock market analysis.

1) BLUE CHIP SHARES

2) GROWTH SHARES

3) INCOME SHARES

4) CYCLICAL SHARES

5) SPECULATIVE SHARES

Bonds

Bonds or debentures represents long term debt instruments. The issuer of a bond

promises to pay a stipulated stream of cash flows. Bond may be classified into the

following categories.

1) GOVERNMENT SECURITIES

2) GOVERNMENT OF INDIA RELIEF BONDS

3) GOVERNMENT AGENCY SECURITIES

4) PSU BONDS

5) DEBENTURES OF PRIVATE SECTOR COMPANIES

6) PREFERENCE SHARES.

Money Market Instrument

Debt instrument which have a maturity of less than one year at the time of issue are

called money market instruments. The important money market instrument are:



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1) TREASURY BILLS

2) COMMERCIAL PAPERS

3) CERTIFICATES OF DEPOSIT

Mutual Funds

Instead of directly buying equity shares and or fixed income instruments, you can

participate in various schemes floated by mutual funds which, in turn, invest in equity

shares and fixed income securities. There are three broad types of mutual fund schemes.

1) EQUITY SCHEMES

2) DEBT SCHEMES

3) BALANCED SCHEMES

Life Insurance

In a broad sense, life insurance may be viewed as an investment. Insurance premium

represent the sacrifice and the assumed sum the benefit. The important types of insurance

policy.

1) ENDOWMENT ASSSURANCE POLICY

2) MONEY BACK POLICY

3) WHOLE LIFE POLICY

4) TERM ASSURANCE POLICY

Real Estate



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For the bulk of the investors the most important asset in their portfolio is a residential

house. In addition to a residential house, the more affluent investors are likely to be

interested in the following types of real estate :

1) AGRICULTURE LAND

2) SEMI-URBAN LAND

3) TIME SHARE IN A HOLDING RESORT.

Precious Objectives

Precious objectives are items that are generally small in size but highly valuable in

monetary terms. Some important precious objects are:

1) GOLD AND SILVER

2) PRECIOUS STONES

3) ART OBJECTIVES

Financial Derivatives

A financial derivative is an instrument whose value is derived from the value of an

underlying asset. It may be viewed as a side bet on the asset. The most important

financial derivatives from the point of view of investor are:

1) OPTIONS

2) FUTURES



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Indian Securities Market

National Stock ExchangeThe N.S.E of India was incorporated in November 1992 with an equity capital of Rs 25

crores & promoted by IDBI, ICICI, & other all financial institutions, the government in

the same year recognized it & the exchange started operations in wholesale debt market

or the money market segment would cater to banks, Fis, etc to encourage high value

transactions in PSU, bonus, UTI, Treasury bills, Government securities & Call money.

There is no trading floor or the large trading is in large volume & over the telephones,

telex etc, Trading is done on Internet with the help of Pc.

Benefit accrue to both issuers of securities & investors, as thios if screen based

trading with a first Network, transparency & cost effectiveness is ensured besides, the

investment can be spread wide in the country under the NSE Electronic Network.

Features of NSE1) The NSE Employs a fully automated screen based trading system

2) It has two segment capital market segment & wholesale debt market segment.

Capital market segment covers equities, convertible debentures & retail

trade in debt instrument like non-convertible debentures, and securities of

medium & large companies with nationwide investor base, including



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securities traded on the stock exchanges are traded in NSE through trading

members.

The wholesale debt market segment is a market for high value

transaction in government securities, public sector bonds, commercial

papers & other debt instrument.

NSE OperationsThe above recommendation was accepted the government areas according

NSE reported set organized by the government. As earlier, it has started trading in money

market, government securities & other debt instrument on OTC basis since November

1994. It has no trading floor. Each trading member will have a computer in his office

anywhere in India which will be connected to the central computer system of NSE

through leased lines or VSAI’s.

(Very Small Aperture Terminal) for an interim period to be followed by a satellite link.

The member for debt market will be different form the equity market & the same member

cannot operate for both markets as originally visualized. As in May 2000, NSE terminal

are located at 310 centers in the country with about 850 brokers connected through more

than 2000 sats, adding up to over 6000 users.

Bombay Stock ExchangeThe Bombay stock exchange is not the official name of the stock exchange ifs

official name is “The stock Exchange Mumbai” previously called “ The Stock Exchange

Bomaby”. Its prestige stems from the fast that it is the oldest stock exchange in India. It

was formally established as the native share & stock broker. Associations in 1875. it sis a

voluntary non-profit making associations of person (AOP) and is currently engaged I the

process of converting it self in to demutualise and corporate entity. It has evolved over

the years in to its present status as the premise stock exchange in the country. It is the



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first stock exchange in the country to have obtained permanent recognition in 1956 from

the government of India under the securities contract act (Regulations) Act, 1956.

The exchange, while providing an efficient & transparent market for trading in

securities debt & derivatives up hold the interest of the investors & ensures redressal of

their grievances whether against and companies or its own member brokers. If also

strives to educate and enlighten the investor education programmes and making available

to them necessary informative inputs.

The board of directors of the exchange is composed of 20 directors, 9 elected

members brockers, 5 public representative, and 3 nominees of the SEBI. One nominees

of the RBI., & the executive director. The president the vice president and the honorable

treasure were elected from among member brockers.

The executive directors as the chief executive officer is responsible for the day-to-

day administration of the exchange and the chief operating officers and other heads of the

department assist him.

The exchange has insisted rule No 126A in its rules, bye laws and regulations

pertaining to constitution of the executive, committee of the exchange accordingly, an

executive committee, consisting of three elected directors, three SEBI nominees or public

representatives, executive director and CEO and chief operating officer has been

constituted. The committee considers

Judicial and quasi matters in which the governing board has powers as an

appellate authority matters regarding annulment of transactions admission. Continuance

and suspension of member-broker as defaulter norms, procedure and other matters

relating and other money payable by the member broker to the exchange etc.

SHARES:



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“Share” or “Equity” represents part of an ownership of a business. So as a shareholder

one own a piece of the action that happens in that business.

ADVANTAGES OF INVESTNG IN STOCKS:

1) Stock typically outperforms all other investment options over any ten year period.

Making them a must for ones long-term portfolio. So it will give higher return

compared to other financial instrument.

2) High quality stocks “Split” when the price reaches a certain level. This

means that each share is divided up into one or more new shares and the price is divided

along with it.

For Example, if one stock undergoes a 2 for 1 stock split, one will end up with 2

shares for every one that he held previously.

Of course the price of each new share will now be ½ of what is was before, but

lower period stock tend to grow faster than higher priced stocks giving investor a

better chance of increasing his equity over a time.

3) When one buy stocks, he take partial ownership of the company in proportion to the

turnover of shares of each stock purchased. As an owner, he have an excellent

opportunity to share in the financial success and growth of the company.

4) Stocks are excellent vehicles for retirement plans. One should concentrate on buying

stocks preliminary when he is in his younger and middle working years.



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DISADVANTAGE OF STOCKS.

1) Stocks are volatile. A single stock’s share price can vary widely from day to day,

month to month, year to year depending on numerous factors that are beyond ones

control. So there is high risk attached with the stock. If stock market crashes

investors money is lost Prices are subject to market volatility world conditions,

and interest rate variation. It requires time to monitor investment. The most

effective way to invest in stocks is to “ buy and hold” for the long- term and

“diversify” (dividing stock holding among several different stocks in various

market sectors).

2) Stocks are best used only in the early and middle stages of carrier. Since stocks

are so volatile in short-term as one began to reach retirement age, he should start

gradually moving part of his assets into other sectors.

3) Companies and can do go out of business, at which time therein stock usually

becomes worthless. But if one selects his stocks carefully he can greatly minimize

the risk.

4) Company can fraud the investors by manipulating the books of accounts.

5) Both buying and selling stocks cost money in the form of brokerage,

commissions. So the best strategy for investing in stocks is to “buy and hold” for

the long term.



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BASICS OF EQUITY INVESTMENT.

Equity investment generally refers to the buying and holding of shares of stocks on a

stock market by individuals and funds in anticipation of income from dividends and

capital gains the value of the stock raises. It also some times refers to the acquisition of

equity (ownership) participation in a private (unlisted) company or a start up (a company

being created or newly created)when the investment is in infant companies, it is referred

to as venture capital investing and is generally understood to be higher risk than

investment in listed going concern situation.

1) Investing directly in shares has some advantages compared to indirect investment.

2) Investment in shares can offer high liquidity shares are generally easily traded as

there is usually some one wishing trade a share in a particular company at any

point in time.

3) One can control the share that he has invested in.

4) Can diversify by investing in a wide variety of companies from many different

industry sectors.

REASONS FOR FLUCTUATIONS IN SHARE PRICES:

A share price is like a barometer of investors confidence in a company’s prospects. If

everyone thinks a company is going to grow and do well, they all want to buy the shares

and this pushes the share price up. Obviously the reverse is also true. That company may

no do as well as people had hoped and report lower than-expected profits for the year.

Investors may lose confidence in the company and decide to sell. The share price falls

sometimes frighteningly quickly, especially if a big institution owing millions of share

decides to sell the lot in one go.



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This can make other investors panic and sell out as well, causing the share price to

plummet even further. But then, once it’s reached a particular level other investors may

think the ‘bears’ the sellers have aver reacted and that the current low share price actually

represents good value for money. They pile in and buy. This stops the share price

dropping further. By the end of the day the price might even be back to the level it started

at after a rollercoaster ride in which millions of rupees have changed hands.

BUYING AND SELLLING OF SHARES.

1) Procedure for buying of shares.

The steps involved in buying shares and debentures are described below.

Locating a Broker

Typically, shares are bought through a stock broker, who is a licensed member of a

recognized stock exchange. So, When you want to buy shares, you should locate a

broker. Ask your friends, who have experience to recommend some names and meet the

suggested brokers personally and make a first-hand assessment. Basically, satisfy

yourself that the broker you select can render prompt and efficient service and protect

your interest.

After you have located your broker, your broker would request you to fill in a client

registration form wherein you have to furnish details like your name, address, permanent

account number, passport number, latest photograph, bank account number, DP

(Depository Participant) account number, etc. Once the registration formalities are over,

your broker will give you a unique number called the Client Code. Which will be used in

future references.



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Placement of Order

After locating a suitable broker, place your order to buy. Your order should clearly

specify the name of the company and the type of securities (equity shares ,preference

share or debentures). Note that all transactions through a stock exchange are now settled

through the depositories. So you must have a demat account with an authorized

depository before you place an order.

If you want to fix the upper limit on price (Which is exclusive of brokerage) place

‘Limit Order’. Alternatively, place a best market order which manse that you instruct

your broker to buy at the best prevailing market price. You may specify the time

dimension as well, indicating the time frame in which the order has to be executed. A day

order remains valid only for the day when it is placed. If the order is not executed on

that day, it automatically lapses. A week order is one which is valid for a week. A

month order is an order which is valid for one month. An open order remains in effect

until it is executed or cancelled. The nature of your order should reflect the prevailing

market conditions and your faith in the judgment and integrity of your broker.

Depending on your relations with the broker and the size of the order, the broker may ask

for an advance payment, which may be 25 to 100 percent of the expected purchase

consideration.

Execution of Order

On receiving your order, the broker will feed the same on his terminal. Once the order is

executed, the broker will inform you and send a ‘contract note’. Representing the

documentary evidence of the transaction, the contract note contains relevant details of

the transactions. Preserve it for tax and other purposes.

You are expected to pay for your purchase within a stipulated period specified by the

broker. After you have affected the payment the broker will transfer the shares

electronically to your depository participant account.



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Internet Trading

Now investor have the facility of opening an electronic trading account with

instantiations like icicidirect.com and buy and sell securities through the internet.

Procedure for Selling

Once you have located a broker, the steps involved in selling shares are as follows.

Placement of Order

You have to place a ‘Sale Order’ with your broker. You may place a ‘Limit Order’

wherein you specify the minimum price acceptable to you or you may place a ‘market

order’ which manse that you instruct your broker to sell at the best available market price.

Before placing the order, make sure that the shares you want to sell are to your credit in

your depository account.

Execution of Order

On receiving your ‘Sale Order’ your broker will feed the same in his terminal. Once the

order is executed the broker will inform you and send you a ‘Contract Note’ the

documentary evidence of the transaction. You will then have to issue a depository

participant cheque for the shares that you have sold in favor of the broker.

This cheque transfers the shares from your depository account to the broker’s depository

account, just the way a bank cheque transfers money from the payer’s account to the

payee’s account. You will receive payment from the broker in about a week’s time.

Important Points to Remember



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When you ‘buy’ or ‘sell’ shares of a company, bear in mind the following points.

1) As per the amended guidelines for listing, a company is supposed to:

A) Close its transfer books only once in a year at the time of annual general meeting

and to have record dates for other purpose like bonus issues, rights issues ,etc.

B) Have uniform dates of book closing and record dates either on 1st or 16th of any

month and to give to the exchange notice in advance of at least 30 days or of as

many days as the exchange may from time to time reasonably prescribe;

C) Accept registration for transfers that are lodged with the company up to the date

of closure of the transfer books ( or when the transfer books are not closed, up to

the record date) and defer, until the transfer books have re opened, registration of

any transfers which may be received after the closure of the transfer books; and

D) Issue letters of allotment or letters or rights within six weeks of the record date or

date of reopening of the transfer books, after their closure for the purpose of

making a onus or rights issue.

2) On the stock market, the shares become ex-dividend (or ex-bonus or ex-rights as

the case may be) several days before the book closure date (record date). The cut

off date for ‘ex-dividend’ transaction is normally fixed by the stock exchange

authorities. For example, in a certain case, the share may become ex-dividend on

say, August 10. This is indicated by the abbreviation ‘xd’ affixed after the price

of the share. Similarly, ‘xb’ stands for ‘ex-bonus’, ‘cb’ for ‘cum bonus’ ‘xf’ for

for ‘ex- rights’ and ‘cr’ for ‘cum rights’

3) If you buy the shares ‘xd’ (or ‘xb’ or ‘xr’) you are not entitled to dividend (or

bonus shares or rights ) for which the books are about to be closed.

4) If you buy the shares ‘cd’ (or ‘cb’ or ‘cr’ as the case may be ), you are entitled to

the dividend for which the books are about to be closed.

5) You can obtain information about book closure dates from your broker or from

the stock exchange. Financial newspapers like The Economic Times and The



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Financial Express and investment magazines Capital Market and Dalal Street

Journal also provided this information.

SHARES MAKE INVESTOR MONEY:

There are two ways one can make money with shares.

1) Firstly by the capital growth. The hope that the value of shares will grow over

time, mirroring the growth in the underlying company.

2) The other way one make money from shares is through dividends. These are

payments taken from profits the company makes to its shareholders usually every

six months. If the company is doing well and wants to reward it shareholders it

may announce a big dividend. If times are hard, it may not make a dividend

payment at all. The company usually gives dividend in the form of dividend per

share. So the more shares one owns, the bigger the dividend payment he will

receive.

DECEISION ON WHICH STOKC TO INVEST:

Basic thumb rule is:

“ you can afford to bet as big as you can afford to lose”

There are three things to one need while selecting shares.

1) Common sense

2) Research



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3) Luck

The common sense approach should always be backed up with the second requirement

for selecting shares solid research. The luck factors should always accompany both these

things.

SOME BASIC QUESTIONS TO ASK ABOUT A COMPANY IS INTERESTED IN:

The answer to all these questions will help oneself o decide whether it is worth investing

in the company.

1) Is it in sector which will do well ? What are my reasons for thinking this?

2) Does the company offer something unique, or are there many competitors in the

same field.

3) What kind of track record does the company have to date?

4) Is the company growing? (Looking at its year on year performance figures)

5) If it is not yet in profit, is it at least increasing its revenues in a healthy way?

6) Is it showing growth in the dividends it pays out?

7) How highly valued is it? (The price earning ratios is one measure of this)

8) How volatile is the share price? (One has to study its share price shares over

different periods)

9) How is the company viewed by security Analysts the press and other

commentators?

10)It is considered to be a high growth, high-risk sort of company or stable and slow-

growth.

PREDICTION OF STOCK PRICE



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In the short run, the market is a voting machine reflecting a voter registration test that

requires only money, not intelligence or emotional stability –but in the log run the

market is a weighing machine.

Share prices track the profits of a business in the long run whereas in the short run

they are determined by market sentiment and demand for the shares. Hence share

prices are predictable with a higher degree of certainty in the long run whereas in the

short run these are very whimsical.

DEMATERIALISATION

It is the process of converting securities held in physical form (Certificates) to on

equivalent number of securities in electronic form and crediting the some to the

investors demat account. Dematerialized Securities do not have any certificates

number or distinctive numbers and are dealt only in quality that is the securities are

flexible.

Investor can dematerialize only those certificates which are already registered in his

name and belonging to the list of securities admitted for dematerialization at

NSDL/CDSL. The investor will have to maintain accounts in the respective

depository should always where the scrip’s are admitted for demat. This account is

known as demat account.

Just as you have to open an account with a bank if you want to save your money,

make cheque payments etc, you need to open a demat account if you want to buy or

sell stocks.

So it is just like a bank account where actual money is replaced by shares.

You have to approach the DPs (remember, they are like bank branches), to open your

demat account.



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Let's say your portfolio of shares looks like this: 40 of Infosys, 25 of Wipro, 45 of

HLL and 100 of ACC.

All these will show in your demat account.

FEATURES OF DEMAT ACCOUNT

1) Dematerialization of securities.

2) Settlement of securities traded on the exchange as well as off market transactions.

3) Pledging and Hypothecation of dematerialized securities.

4) Electronic credit in public issue.

BENEFITS OF OPENING DEMAT ACCOUNT

The benefits of opening a demat account are as follow.

SEBI has made it compulsory for traders in almost all listed scrips to be settled in demat

mode.

1) It is safe and convenient way to hold securities in the physical form.

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

3) Instaneous transfer of securities enhances liquidity that is fast settlement cycles.

4) It eliminates delay, thefts and subsequent misuse of certificates.



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5) Change of name, address, mandate registration of power of attorney, transmission

of power of attorney, transmission etc. Can be affected across companies by a

single instruction to the DP.

6) Each share is a market lot for the purpose of transactions. Any number of

securities can be transferred/delivered with one instruction. Therefore paperwork

and signing of multiple transfer deeds is done away with.

7) It facilitates taking advances against securities.

PROCEDURE FOR DEMATERIALIZING SECURITIES.

If any body wish to dematerialize his physical securities he need to :

1) Check if the scrip is available for dematerialization or not.

2) If yes than submit the share certificate along with a Dematerialization Request

Form) (“DRF”) duly signed by all the demat account holders.

3) The Certificates should be duly cancelled by writing “Surrendered for

dematerialization” on them.

TRADING ACCOUNT:

Trading account is the account in which a share trader can get maximum exposure to

purchase the shares based on multiples of margin which he has paid.



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The trading limit is the maximum exposure one can have in any given time. The limit that

will be granted to share trader on the basis of predetermined number of times his margin

paid to the brokers. There multiple is predetermined by the broker and subject to review

from time to time. There is no restriction on number of times one can rotate his limit.

Hence there is no limit on turnover.

For example.

If an investor places Rs 7000 in his trading account and the multiple determined is 6 he

can trade up to Rs 42000.

MONEY MANTRAS

Listen to the money men more than anyone else, the known what they are talking about

when it comes to making big bucks.

1) Keep your financial objectives short and clear.

2) Goodwill goes a long way in the creation of wealth.

3) Trust is key –without it, there’s nothing but a one-off deal.

4) Wealth should be put to productive use.

5) Financial ethics must be valued.

6) Greed alone cannot make you a millennium.

7) Money means responsibility

8) Making money is not a crime, if you use it properly.



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9) Sixteen years of liberalization is not enough.

10) Once you make money respect it, and live an honorable life.

“TWELVE STEPS TO INVESTING BEFORE MAKING AN INVESTMENT”.

1) Obtain written documents explaining the investment.

2) Read and understand such documents.

3) Verify the legitimacy of the investment.

4) Find out the costs and benefits. Associated with the investment.

5) Assess risk –return profile of the investment.

6) Know the liquidity and safety aspects of the investment.

7) Ascertain it is appropriate for your specific goals.

8) Compare these details with those of other investment fits with other investments

you are considering or have already made,

9) Examine if the investment fits with other investments you are considering or have

already, wherever required.

10) Deal only through or authorized intermediary, wherever required.

12) Seek all clarifications about their intermediary and the investment and,

13) Explore the options available to you if something goes wrong.



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INVESTMENT ENVIRONMENT FOR SHARES IN BELGAUM CITY

1) RESEARCH OBJECTIVES.

To know the Investment Environment for Shares in Belgaum City.

SUB OBJECTIVES.

B) To know the investment vehicles used by the investors.

C) To study the importance criteria of investors take into consideration while

investing.

D) To know the reasons for investors trading with current share broker.

E) To know the investors satisfaction level with current share broker.

2) RESEARCH METHODOLOGY



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A) RESEARCH DESIGN

In conformance with the study objectives, the project will be carried out in

Belgaum. On the basis of findings. The study relies to a great extent on primary data,

primary data consists of information collected from four segments of individuals viz,

Businessmen, Professionals, Government employees, Others. I have adopted personal

interviewing method for the study in order to collect data from respondents.

B) SAMPLING DESIGN

It is a definite plan for obtaining a sample from a given population. The

technique adopted in selection of item for the sample is “Convenience Sampling”.

C) SAMPLING UNIT

The sampling unit taken in the study was the target market who will invest part of

their earning in any financial investments.

D) SAMPLE SIZE

A sample size of 100 individuals is taken to carry out the project.

E) RESEARCH INSTRUMENT



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The personal interviewing method was used to fill the questionnaire and this was the

research instrument in the study to achieve the required objective the questionnaire

contained 15 question based on their importance to the company.

This was the research instrument in the study to obtain information about Investment

Preference for shares In Belgaum City and to identify potential customers and also to

know their reasons of trading with current broker and their satisfaction level if they

already have the demat / trading account. The questionnaire include both close ended as

well as open ended questions. It contained qualitative as well as quantitative data.

F) DATA COLLECTION

The data used in the study was collected from primary sources that is the responses

from individuals respondents.

3) OBJECTIVE OF THE STUDY

The project on the title “ Investment Environment For Shares In Belgaum City” has

provided the information about the individuals who have responded for the questionnaire.

This study has helped in obtaining more specific information about the investment

preference of the people. The study also aimed at providing more specific information of

the potential customers and also in following up with the most potential customers to

open a demat and trading account. This project would also help in creating awareness of

“GEERAK MARKETING” Shares and Stock Brokers Ltd. This project also aims at

providing knowledge about the share market to the individuals.



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Gender

MALE 96

FEMALE 04

GENDER

96

4

MALE

FEMALE



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From the above graph we can infer that out of 100 respondents interviewed 4 were

females and 96 were male respondents.

Respondents.

Occupation Profession Govt Service Business Others

Respondent 19 35 19 27



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Respondents

19

35

19

27

0

5

10

15

20

25

30

35

40

Profession Govt service Business Others

Series1

The above graph depicts that most of the respondents were Govt servants followed by

servicemen, Businessmen, and the Professionals.

Investment per Month

Amount of

Investment

Less than

Rs2,000

Rs2,000 to

Rs5,000

Rs5,000 to

Rs10,000

Rs10,000 to

Rs50,000

More than

Rs50,000

Number of

Respondents

30 46 18 6 0



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Investment Per Month

30%

46%

18%

6% 0%

Less than Rs. 2000

Rs. 2000- Rs. 5000Rs. 5000- Rs. 10,000

Rs. 10,000- Rs 50,000More than Rs. 50,000

From the above graph we can infer that 46% of the respondents invested to the tune of

Rs2,000 to Rs5,000 per month 30% of the respondents invested less than Rs 2,000, 18%

of them invested in the range of Rs 5,000 to Rs 10,000 and the rest in Rs 10,000 to Rs

50,000, There was no respondents who invested more than Rs 50,000permonth.

Investment Vehicles Used for Investment

Investment

Vehicles

RD FD IP SHARES MF B/D OTHERS

No of 43 44 67 37 6 9 21



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Investors

Investment Vehicles

43

44

67

37

69

21Recurring Deposit

Fixed Deposit

Insurance Policy

Shares

Mutual Funds

Bonds/ Debentures

Others

The inference we can draw from the above graph is that 67 of the respondents had

insurance policy as their investment vehicle in their portfolio, 44 of their had fixed

deposits, 43 of them had recurring deposits , 41 of them had shares, 21 of them had

investment in other type of assets , 9 of them had bonds/debentures and 6 of them had

investment in mutual funds.

Rating criteria taken into consideration while investing

Criteria Returns Liquidity Security Tenure Others

Most imp 50 12 84 6 2



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MOST IMPORTANT

32%

8%55%

4% 1%

ReturnsLiquidity

SecurityTenure

Others

The above graph shows that 55% of the respondents ranked Security as the most

important criteria which investing, 32% of the respondents ranked liquidity, 4% of them

ranked tenure, and 1% of them ranked other factors as most important criteria taken into

consideration while investing.

Preference of Investment

1. Recurring Deposits



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Recurring Deposits

17, 19%

26, 28%

18, 20%

7, 8%

8, 9%

15, 16%Most Prefered

More Prefered

Prefered

Not Vary Prefered

Least Prefered

Not Prefered

The inference we can draw from the above graph is that 17% of the respondent felt

recurring deposit as the most preferred mode of investment, 26% responded as more

preferred, 18% responded as preferred, 9% felt neutral about it, 7% not vary preferred,

8% least preferred and 15% responded as not preferred.



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2. Fixed Deposits

Fixed Deposits

20, 20%

22, 22%

26, 26%

7, 7%

5, 5%

5, 5%


More Prefered

Prefered

Neutral

Not Vary Prefered

Least Prefered

Not Prefered

The above graph portraits that 20% of the respondents felt fixed deposit as the most

preferred mode of investment, 22% of responded as more preferred, 26% responded as

preferred, 7% felt neutral about it, 5% not vary preferred, 5% least preferred and 15%

responded as not preferred.



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3. Insurance Policies

Insurance Policies

55, 55%

17, 17%

10, 10%

1, 1%2, 2%5, 5%

10, 10%

Most Prefered

More Prefered

Prefered

Neutral

Not Vary Prefered

Least Prefered

Not Prefered

The inference we can draw from the above graph is that 55% of the respondents felt

insurance policies as the most preferred mode of investment, 17% responded as more

preferred, 10% responded as preferred, 1% felt neutral about it, 2% not vary preferred,

5% least preferred, and 10 % responded as no preferred.



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4. Shares

Shares

10, 10%

11, 11%

10, 10%

23, 23%18, 18%

13, 13%


More Prefered

Prefered

Neutral

Not Vary Prefered

Least Prefered

Not Prefered

The above graph depicts that 10% of the respondents felt shares as the most preferred

mode of investment, 11% responded as more preferred, 10% responded as preferred, 23%

felt neutral about it, 18% not vary preferred, 13 % least preferred and 15% responded as

not preferred.



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5. Mutual Funds

Mutual Funds

4, 4%

4, 4%

10, 10%

20, 20%

23, 23%

19, 19%

20, 20% Most Prefered

More PreferedPrefered Neutral

Not Vary PreferedLeast Prefered

Not Prefered

The inference we can give from the above graph is that 4% of the respondents felt mutual

funds as the most preferred mode of investment , 4% responded as more preferred, 10%

responded as preferred, 20 % felt neutral about it, 23% not vary preferred, 19 % least

preferred and 20 % responded as not preferred.



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6. Bonds/Debentures

Bonds/Debentures

12 5

19

2716

30Most Prefered

More PreferedPrefered Neutral


Not Prefered



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The above graph portraits that 1% of the respondents felt bonds/debentures as the most

preferred mode of investment, 2% responded as more preferred, 5% responded as

preferred, 19% felt neutral about it, 27% not vary preferred, 16% least preferred, and

30% responded as not preferred.

7. Pigmy



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Pigmy

000 4 111

84

Most Prefered

More Prefered

Prefered

Neutral

Not Vary Prefered

Least PreferedNot Prefered

The inference we draw from the above graph is that 0% of the respondents felt pigmy as

the most preferred mode of investment, 0% responded as more preferred, 0% responded

as preferred, 4% felt neutral about it, 1% not vary preferred, 11% least preferred and 84%

responded as not preferred.

Overall investment preference rating by respondents



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17 26 18 9 7 8 15

20 22 26 7 5 5 15

55 17 10 125 10

10 11 10 23 18 13 15

4 4 10 20 23 19 20

125 19 27 16 30

00041 11 84

0% 20% 40% 60% 80% 100%

RD

FD

IP

SH

MF

B/D

PIGMY

Overall investment rating

Most prefered

More preferencePreferenceNeutral


Not Prefered

So from the previous graph we can conclude that

Most preferred mode of investment ------------------- Insurance Policy

More preferred mode of investment ------------------- Recurring Deposits

Preferred mode of investment -------------------- Fixed Deposit

Neutral mode of investment -------------------- Shares

Not vary much preferred mode of --------------------- Bonds/Debentures

investment

Least preferred mode of investment --------------------- Mutual Fund

Not preferred mode of investment -------------------- Pigmy Deposits

Risk Profile Of the Investor



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Risk Profile No of Respondents

High Risk Investors 8

Medium Risk Investors 37

Low Risk Investors 55

Risk Profile

8, 8%

37, 37%55, 55%

High risk investorsMedium Risk Investors

Low risk investors

55% of the responded have low risk profile, 37% have medium risk profile,

8% have high risk profile.



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No of Respondents who own shares

Criteria No of Respondents

YES 41

NO 59

Owning Shares

41, 41%

59, 59%

YESNO

From the above graph we can infer that out of 100 respondents interviewed 41% of them

owned shares and 59% did not own shares



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No of Investors who had Demat and Trading account.

Account No of RespondentsDemat account 33

Trading account 2

D and T account 3

No account 3

No Of Respondents

33

2 3 3

0

5

10

1520

25

30

35

Demataccount

Tradingaccount

D and Taccount

No account

Series1



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The above chart depicts that out of the 41 respondents who had shares 33 of them had

demat account, 2 of them had trading account, other 3 of them had both Demat and

Trading and 3 of them had shares but no demat account.

Transaction Value per month

Transaction Value No of Respondents

Less than Rs. 10,000 24

Rs.10,000 - Rs. 50,000 13

Rs. 50,000 - 1 Lack 1

Rs. 1 Lack - 2 Lack 0

Rs. 2 Lack above 0

Transaction Value

24

13

1

0

0

Less than Rs. 10,000Rs.10,000 - Rs. 50,000Rs. 50,000 - 1 Lack

Rs. 1 Lack - 2 LackRs. 2 Lack above



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The above chart depicts that out of 100 respondents interviewed 24 of them had

transaction value of less than Rs 10,000, 13 of them had transaction value between Rs

10,000 to Rs 50,000, and only one of them had transaction value of Rs 50,000

toRs1,00,000 , there were no respondents who’s transaction value is more that Rs 1 lack

to Rs 2 lack , and Rs 2 lack and above.

Current share brokers of respondents

Share Brokers No of Respondents

SHCL 7

Karvy consultants 10

ICICI Direct 10

R.B. Patil & Co 3

Pee Pee Investments 7

Saraf 1



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No of Respondents

7

10 10

3

7

1

02468

1012

Series1

Series2

The above chart portraits that out of 41 respondents who have own shares only 2 had no

accounts. Out of 39 respondents 7 had account with Stock holding corporation limited, 10

with Karvy, 10 with ICICI, 3 with R.B.Patil&Co, 7 with Pee Pee Investments and one

with Saraf.

Reasons for trading with current share broker

Reasons No of Respondents

Share Tips 2

Convenience 17

Service Provider 24

Trust 16

Other 1



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No of respondents

2

17

24

16

1

Share TipsConvinenceService Provider

TrustOther

The above graph depicts that 24 of the respondents currently trading with their share

broker for the reason of convenience, 17 of them trade because of service provided, 16 of

them trade because of trust and 2 of them trade because of share tips.

Days Require for money realization

Money Realization No of respondents

3 Days 3

3 - 5 Days 5

5 - 10 days 28

10 - 15 Days 3



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No of respondents

35

28

3

0

5

10

15

20

25

30

3 Days 3 - 5 Days 5 - 10 days 10 - 15 Days

Series1

The above chart portraits that only 8% of the respondents will receive consideration

within the event of sales of shares 8% of them receive within 3 to 5 days, 71% of them

receive within 5 to 10 days and 13% of them will receive within 10 to 15 days.

Satisfaction level of respondents with their current share broker



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Satisfaction Level

5

29

4

1

0

0 5 10 15 20 25 30 35

Vary satisfied

Satisfied

Neutral

Dissatisfied

Vary Dissatisfid

Series2Series1

From the above chart we can infer that 10 % of the broker are vary satisfied with their

current broker 74% of them are satisfied 13 % of are neutral 10% are dissatisfied and no

one is vary dissatisfied with their current share broker.

FINDINGS AND SUGGESTIONS

It was found that out of 100 respondents 67 have invested in insurance policies. It is

because they think that investment in insurance policies is more secured compared to



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other types of investments. 44 of them have invested in fixed deposits the reason may be

high fixed rate of interest on fixed deposits.

55 of the respondents rated security as the most important criteria they would consider

while investing. This finding is also justified by the fact that out of 100 respondents 67

have invested in insurance policies which they have perceived as the most secured

investment. Returns were rated as second most important criteria they would consider

while selecting investment avenues.

24 of the respondents said convenience is the reason for trading with the current share

broker. 17 of them told service provided and 16 of them told as trust. So it can be

concluded that convenience is the important reason for trading with current broker.

Service provided and trust can be termed as equally important reason for trading with

their current share broker.

13% of the respondents are vary satisfied with their share broker while 74% are satisfied,

10% neutral, 3% are dissatisfied and none of them are vary dissatisfied with their brokers.

74% of their respondents are satisfied may be because of the convenience and service

provided by their brokers and also may be because of trust which has built up on the long

term dealings.

SUGGESTIONS



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First of all there is need to create awareness about the stock market, its working and the

transparency. It is evident from the analysis of questionnaire that only 41% of the

respondents have invested in shares. So there is ample potential for investment in shares

and trading in shares.

Create awareness about “Geerak Marketing” based on its uniqueness compared to other

competitors competing in the share broking market.

It is found out from the analysis of the data that negligible percentage of people are

getting share tips while dealing with shares. So “ Geerak Marketing” can get a

competitive edge over others by emphasizing on giving share tips to the clients based on

their risk profile.

“Geerak Marketing” should approach Share Traders Association in Belgaum and should

convince them how Geerak Marketing can help them in getting a healthy return on their

investment.

“Geerak Marketing” should aim at middle income group. It is found out from study that

64% of the people belong to middle income group who invest between Rs 2,000 to Rs

10,000. Insurance, Recurring Deposits, Fixed Deposits are their most favored investment

avenues as they view them to be more secured investment compared to shares. They must

be convinced about share markets transpherency and regulations.



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CONCLUSION

We can say that there is good market for investment and trading of shares in Belgaum. At

the same time there is stiff competition among the brokers because of new players

coming to the market. The investors perception towards share trading should be changed

because even today some believe that the trading in shares is like gambling because of

lack of complete knowledge and also because the markets are not completely based on

the fundamentals of the companies. Also the share market in India has been prone to

manipulation by a few big brokers which has further eroded the confidence of the

investors.

Confidence of investors can be gained only when they are convinced about the security

and transpherency of their investment and about the steps taken by SEBI to protect the

investors.



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BIBILOGRAPHY

Security Analysis and Portfolio Management By : PUNITHAVATHY PANDIAN

Security Analysis and Portfolio Management By: Donald E. fischer.

Marketing Research By : Tull and Hawkins.

Websites

www.bseindia.com

www.nseindia.com

www.indiainfoline.com


http://www.indiainfoline.com/

http://www.nseindia.com/

http://www.bseindia.com/


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Dear Sir/Madam.

Name : ________________________________________________

Designation : ________________________________________________

Address : ________________________________________________

Contact No : ________________________________________________

1) Which of the following will best describe your occupation?

Professional Government Service Business Other Specify __________________

2) How much will you invest in a month?

Less than Rs 2,000 Rs 2,000 – Rs 5,000 Rs 5,000 – Rs 10,000 Rs 10,000 – Rs 50,000

More than Rs 50,000 3) Which of the following investment vehicles are more suitable for your portfolio?. Recurring Deposit Shares Fixed Deposit Mutual Funds Insurance Policies Bonds/Debentures

Other Specify ________________________________________

4) What are the criteria you take into consideration while investing?

(1- very important) 5 least important)

Returns Security



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Liquidity Tenure

5) Your preference of investment?(1 Most preferred 7-Not preferred)

Recurring Deposit Shares Fixed Deposit Mutual Funds Insurance Policies Bonds/Debentures

Pigmy Deposits

6) Which of the following will best describe your risk profile?

High risk investor

Medium risk investor

Low risk investor

7) Do you own shares

Yes No

8) If yes, do you have a

Demat account Trading account

9) How much is your transaction value per month?

Less than Rs10,000 Rs 10,000 – 50,000

Rs 50,000- Rs 1,00,000 Rs 1,00,000 – Rs 2,00,000

Rs 2,00,000 and above

10) Who is your share broker

Specify __________________________________________________

11) Reasons for trading current share broker

Share tips Convenience



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Service provider Trust

Other specify __________________________________________________12) After how many days you will receive consideration (money) if you sell your shares?

3 - Days 3 – 5 Days

5 – Days 10 – 15 Days


A Project Report on “Investment environment for shares in Belgaum”conducted for Geerak Marketin

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Transcript of A Project Report on “Investment environment for shares in Belgaum”conducted for Geerak Marketin