Aiman 1

SUMMER TRAINING PROJECT REPORT
ON
“A STUDY OF BANKING, FINANCIAL SERVICES AND INSURANCE

SECTOR”
FOR THE PARTIAL FULFILLMENT OF THE REQUIREMENT

FOR THE AWARD OF
MASTER OF BUSINESS ADMINISTRATION
(Dr A P J ABDUL KALAM Technical University, Lucknow, Uttar Pradesh)
Faculty Guide: Name of Industry Guide:

DR. AKHIL AGNIHOTRI Mr. AMIT NATH
Assistant Professor, GCET Accounts and Finance Manager
Submitted by:
AIMAN FATMA
Roll No. 2100970700002
MBA 2021-23
Galgotias College of Engineering & Technology

1, Knowledge Park – II, Greater Noida
Dr A P J ABDUL KALAM Technical University, Lucknow

DECLARATION
I AIMAN FATMA hereby declare that this project report “A STUDY OF BANKING,
FINANCIAL SERVICES AND INSURANCE SECTOR” is my own work. It contains no
material previously published or written by another person nor material which to a substantial
extent has been accepted for the award of any other degree or diploma of any other institute,
except where due acknowledgement has been made in the text.
Name – AIMAN FATMA
Roll No – 2100970700004
Institution Name – Galgotias College of Engineering and Technology
Date:12/12/2022
GALGOTIAS COLLEGE OF ENGINEERING &
TECHNOLOGY
1, Knowledge Park-II, Greater Noida, Uttar Pradesh
Certificate
Certify that Ms. AIMAN FATMA bearing Roll Number 2100970700002 of DR A P J ABDUL
KALAM TECHNICAL UNIVERSITY is a Bonafide student of MBA 3 rd Semester (2020-21) at
Galgotias College of Engineering & Technology, Greater Noida.
He/She undertook Final Project titled “A STUDY OF BANKING, FINANCIAL SERVICES

AND INSURANCE SECTOR” under the supervision and guidance of DR. AKHIL
AGNIHOTRI in the partial fulfillment of the requirement of MBA program.
Faculty Supervisor Director/HOD

ACKNOWLEDGEMENT
An undertaking of work life - this is never an outcome of a single person; rather, it bears the
imprints of many people who directly or indirectly helped me complete the present study. I
would be failing in my duties if I do not say a word of thanks to all those who made my training
period educative and pleasurable one. I am thankful to DJT Corporation and Investment
Private limited for giving me an opportunity to do summer training in the company.
First, I am grateful to Mr. AMIT NATH (Accounts and Finance Manager, from DJT) for his
guidance, encouragement, and tutelage during the internship despite his busy schedule. My
special thanks to him for giving me the opportunity to do this project and for his support
throughout as a mentor.
I am thankyou to our HOD, Dr. N. Lakshmi and I must also thank my faculty guide DR.
AKHIL AGNIHOTRI (Assistant professor, GCET) for her continuous support, mellow
criticism, and able directional guidance during the project.
Finally, I would like to thank all lecturers, friends, and my family for their kind support and to all
who have directly or indirectly helped me in preparing this project report. And at last, I am
thankful to all divine light and my parents, who kept my motivation and zest for knowledge
always high through the tides of time.
EXECUTIVE SUMMARY
The well-developed financial systems and economic growth is a fundamental one. Empirical
evidence, both in developing and advanced economies, has shown that countries with developed
financial systems grow at faster rates. Efficient and prudent allocations of resources by the financial
system is crucial for increasing productivity, boosting economic development, enhancing equality
of opportunity, and reducing poverty. Getting the financial systems of developing countries to
function more effectively in providing the full range of financial services is thus a task that will be
well rewarded with economic growth.
With the largest number of life insurance policies in force in the world, Insurance happens to mega
opportunity in India. It’s a business growing at the rate of 15-20 per cent annually. Together with
banking services, it adds about 7% to the gross domestic product. A large part of our population is
also subject to weak social security and pension system with hardly and old age income security.
As the people are becoming more and more and aware of their life style and income level. They
need a plan, which has an optimum balance between their investment and saving. They required an
integrated financial plan for investment. The customer requires those investment option, which
provide them with flexibility and liquidity and tax benefit.
The Commodities Derivatives market has seen ups and downs, but seems to have finally arrived
now. The market has made enormous progress in terms of Technology, transparency and trading
activity. As majority of Indian investors are not aware of organized commodity market; their
perception about is of risky to very risky investment. Many of them have wrong impression about
commodity market in their minds. It makes them specious towards commodity market.
So, the basic aim of this study is to understand the functioning of Commodity Market in India in
relation to various exchanges that are available for trading under this market and current scenario of
commodity market in India along with rules and regulations under this market.
TABLE OF THE CONTENTS
a. Title page
b. Declaration
c. Certificate by industry
d. Certificate by college
e. Acknowledgement
f. Executive summary
S.NO. CONTENTS PAGE NO.

Chapter 1 INTRODUCTION
(Industry profile and
company profile)
Chapter 2 Methods of the study
Chapter 3 Data Analysis and

Interpretation
Chapter 4 Conclusion
Chapter 5 Recommendation and

limitations
CHAPTER 1 - INTRODUCTION
INDUSTRY PROFILE - BANKING, FINANCIAL SERVICE AND INSURANCE

Banking, financial services and insurance (BFSI) is an industry term for companies that
provide a range of such financial products or services. This includes universal banks that provide
a range of financial services or companies that operate in one or more of these financial sectors.
BFSI comprises commercial banks, insurance companies, non-banking financial companies,
cooperatives, pensions funds, mutual funds and other smaller financial entities.
The Banking part of BFSI may include core banking, retail, private, corporate, investment and
cards. Financial services may include stock-broking, payment gateways, mutual funds. Insurance
covers both life insurance and general insurance.
BFSI Industry consist of 3 Categories: -

First Broad category of BFSI covers Banking.
The Indian banking system consists of 12 public sector banks, 22 private sector banks, 44 foreign
banks, 56 regional rural banks, 1,485 urban cooperative banks and 96,000 rural cooperative
banks in addition to cooperative credit institutions. As of August 2020, total number of ATMs in
India increased to 209,110 and is expected to reach 407,000 by 2021.
As per the Reserve Bank of India (RBI), India’s banking sector is sufficiently capitalized and
well-regulated. The financial and economic conditions in the country are far superior to any
other country in the world. Credit, market, and liquidity risk studies suggest that Indian banks are
generally resilient and have withstood the global downturn well.
Indian banking industry has recently witnessed the roll out of innovative banking models like
payments and small finance banks. RBI’s new measures may go a long way in helping the
restructuring of the domestic banking industry.
The digital payments system in India has evolved the most among 25 countries with India’s
Immediate Payment Service (IMPS) being the only system at level five in the Faster Payments
Innovation Index (FPII).
Market Size
The Indian banking system consists of 12 public sector banks, 22 private sector banks, 46 foreign
banks, 56 regional rural banks, 1485 urban cooperative banks and 96,000 rural cooperative banks
in addition to cooperative credit institutions. As of September 2022, the total number of ATMs in
India increased to 210,049 and is further expected to increase to 407,000 by 2023.
Asset of public sector banks stood at Rs. 107.83 lakh crore (US$ 1.52 trillion) in FY22.
During FY16-FY22, bank credit grew at a CAGR of 3.57%. As of FY20, total credit extended
surged to US$ 1,698.97 billion.
During FY16-FY22, deposits grew at a CAGR of 13.93% and reached US$ 1.93 trillion by
FY22. Credit to non-food industries stood at Rs. 103.46 trillion (US$ 1.40 trillion) as of
November 20, 2022.
Second Broad category of BFSI covers financial services.

India has a diversified financial sector undergoing rapid expansion, both in terms of strong
growth of existing financial services firms and new entities entering the market. The sector
comprises commercial banks, insurance companies, non-banking financial companies, co-
operatives, pension funds, mutual funds, and other smaller financial entities. The banking
regulator has allowed new entities such as payment banks to be created recently, thereby adding
to the type of entities operating in the sector. However, financial sector in India is predominantly
a banking sector with commercial banks accounting for more than 64% of the total assets held by
the financial system.
The Government of India has introduced several reforms to liberalize, regulate and enhance this
industry. The Government and Reserve Bank of India (RBI) have taken various measures to
facilitate easy access to finance for Micro, Small and Medium Enterprises (MSMEs). These
measures include launching Credit Guarantee Fund Scheme for MSMEs, issuing guideline to
banks regarding collateral requirements and setting up a Micro Units Development and
Refinance Agency (MUDRA). With a combined push by Government and private sector, India is
undoubtedly one of the world's most vibrant capital markets.
Market Size
As of November 2022, Assets Under Management (AUM) managed by the mutual fund industry
stood at Rs.30 lakh crore (US$ 407.39 billion). Inflow in India's mutual fund schemes via the
Systematic Investment Plan (SIP) route reached Rs.82,453 crore (US$ 11.70 billion) in 2019.
Equity mutual funds registered a net inflow of Rs.8.04 trillion (US$ 114.06 billion) by end of
December 2021.
Another crucial component of India’s financial industry is the insurance industry. Insurance
industry has been expanding at a fast pace. The total first year premium of life insurance
companies reached Rs.2.59 lakh crore (US$ 36.73 billion) in FY22.
Furthermore, India’s leading bourse, Bombay Stock Exchange (BSE), will set up a joint venture
with Eix Inc to build a robust insurance distribution network in the country through a new
distribution exchange platform.
Third Broad category of BFSI covers Insurance.

The insurance industry of India has 57 insurance companies 24 are in the life insurance business,
while 33 are non-life insurers. Among the life insurers, Life Insurance Corporation (LIC) is the
sole public sector company. There are six public sector insurers in the non-life insurance
segment. In addition to these, there is a sole national re-insurer, namely General Insurance
Corporation of India (GIC Re). Other stakeholders in the Indian Insurance market include agents
(individual and corporate), brokers, surveyors and third-party ad PROJECT starters servicing
health insurance claims.
Market Size
In India, the overall market size of the insurance sector is expected to US$ 280 billion in 2022.
Government's policy of insuring the uninsured has gradually pushed insurance penetration in the
country and proliferation of insurance schemes.
Gross premium collected by life insurance companies in India increased from Rs. 2.56 trillion
(US$ 39.7 billion) in FY12 to Rs. 7.31 trillion (US$ 94.7 billion) in FY22. During FY12-FY22,
premium from new business of life insurance companies in India increased at a CAGR of 15% to
reach Rs. 2.13 trillion (US$ 37 billion) in FY22.
Overall insurance penetration (premiums as% of GDP) in India reached 3.71% in FY19 from
2.71% in FY22.
Life insurers reported 14% YoY growth in individual annualized premium equivalent (APE) in
October 2022, compared with 4% YoY in September 2022.
The market share of private sector companies in the non-life insurance market rose from 15% in
FY04 to 56% in FY21 (till April 2022). In life insurance segment, private players had a market
share of 31.3% in new business in FY22.
In October 2022, health insurance witnessed an increase in premiums at Rs. 4,074.8 crore (US$
553.93 million) compared with Rs. 3,840.6 crore (US$ 554.29 million), recording 6% growth on
y-o-y basis. Retail health also witnessed a 30% increase in premiums to Rs. 1,982.6 crore (US$
269.69 million).
COMPANY – DJT CORPORATION AND INVESTMENT PRIVATE
LIMITED
DJT Corporation & Investments Pvt. Ltd. (DJT) was established in 2017. We have promoted
businesses in Retail, Insurance Broking and Financial Services in New Delhi, Noida (Uttar
Pradesh) and Gurugram (Haryana) and have plans to expand these businesses across the country
while adding new lines of businesses in the coming years. We aim to reach out to the common
people and serve their need for quality products and services which help improve and secure
their lives in better ways. We employ people from every section of society without
discrimination. We source our supplies largely from MSMEs across the country promoting
employment, impacting livelihoods, empowering local communities and fostering mutual
growth. We believe in the 'Indian dream' and have aligned our business practices to our larger
purpose stated above and are committed to being a catalyst of positive change for the
communities and sectors where we operate in India and eventually across the world.
2 directors are associated with the organization.
Being the most innovative and trusted brand in retail, insurance & financial sectors. DJT group
today stands tall as one of the fastest emerging key players in the Indian Customer oriented
landscape. Our results in Technology innovations speaks about the hard work behind company
purpose.
DJT has distinguished itself as a company that does not settle for normal. Instead, its primary
objective is giving it's all in everything it does for its customers.
The management of the company prides in leaving the customers longing for more every time.
DJT indeed strives to ensure that its efforts and services and linkages it provides to its customers
create one impact – “INNOVATION BEYOND IMAGINATION” thus fulfilling company
values which includes Excellence, Respect, collaboration, and Perseverance.
Date of Incorporation -
24 January 2017
Director –
AKASH ANAD and MANEESH PRASAD
Website-
https://djtcorp.in
Industry-
Investment Management
Company size-
201-500 employees
Headquarters-
Noida, Uttar Pradesh
Values -
DJT Corp. emphasizes on the following principles of values. This is a list of important principles
of values and it should give you an idea about what to expect from us.
 Respect
Being mindful of the sensibilities of and extend courtesy, transparency and dignity to all our
stakeholders at all times.
 Collaboration
Build relationships with all our stakeholders based upon mutual trust, respect and common
interests, consistent with our values and objectives.
 Perseverance
Always face challenges and adversity with courage and commitment consistent with our values.
never losing sight of our objectives.
 Excellence
Constantly strive to set high standards and benchmarks in all that we do every day, consistent
with the expectations of all our stakeholders.
Culture-
DJT Corporation prefers to have incredibly high standards and to have exceptional people who
enjoy pushing themselves to perform at the highest levels every day. We’re little different in the
way we do things, being different allows us to look at the traditional way and place customers at
the center of it all, then we do things which makes life convenient for the customer and not
necessarily for us!
 Fun
Doing work with full dull faces will bring no creativity to your work. Make sure you enjoy your
work by making friends, trying new things, and recreating yourself by adding new skills.
 Work recognition award
Work, if done up to the mark; deserves appreciation as it encourages everyone to do more better
with more determination. DJT Corporation highlights the Star performer of the month certificate
and a gift voucher are being added to their cartful of happiness.
 Trust
Every employee is being involved in our organization as a member of the family with the trust
that everyone will do their assigned work with great dedication.
 Communication
Transparent communication between the employees makes the vision clear to achieve the target
without any delays. The employee is free to contact the manager, head of any department, or
managing director, if problem are not being sorted out on time.
 Job Duties
An employee needs to understand their responsibility towards their job and make sure to
complete the aligned task on time so as to contribute to the terms of the company's success.
 Grievance Portal
For any sort of grievances, an individual can walk to HR department or can talk to the Managing
Director. No restriction, no barriers, and no judgments. DJT considers every employee as part of
the family and promises to take care of you.
VISION-
The most successful and admired company, which means that we are the most trusted company,
the easiest to deal with, offer the best value for money, and set standards in the industry.
‘’The most obvious choice to all’’.
Mission-
Provide secured housing finance at affordable cost, maximizing shareholders value with higher
sensitivity.
CHAPTER 2 – METHOD OF THE STUDY
CHALLENGE FACED
Banks in India are different from other countries, because they have a large branch network and
diverse needs specific to regions and customers, signifying the importance of highly customized
technologies. But the concern when implementing complex technologies is safety and security.
Of the list of the top challenges faced by the banking sector, the following might be in the
forefront:
1.Cloud Computing
When a bank adopts cloud computing, the confidentiality and security of commercial and
Personal data and applications is paramount. Security breach is out of question. One main aspect
that the banks should focus is, if in case important data is lost, can the cloud provider restore the
data completely.
Because users, who use the cloud, do not know about the hosted data and since cloud is typically
in a shared environment there is a danger of data loss. Also, in case of a security breach, Cloud
technology services are difficult to investigate, because logging and data for multiple customers
may be co-located and may also be spread across an ever-changing set of hosts and data centers.
2. Mobile Banking risks
Millions of consumers are already using a wide range of mobile devices to conduct banking for
its ease of access.
But with that come a whole set of threats: mobile malware, third-party apps, unsecured Wi-Fi
networks etc. Consumers love their smart phone and tablet applications most of which could be
created by fraudsters and loaded with malware.
3. Phishing
Phishing takes place either through phone calls, emails, or fake websites. Customers reuse
usernames and passwords for multiple online sites and accounts. There is a high probability that
the username and password combination once compromised can be used by fraudsters to log in
to legitimate websites.
4. Automated Clearing House Fraud
ACH fraud is any unauthorized funds transfer that occurs in a bank account. And it is easy to
execute. All the fraudster needs are an account number and a bank routing number to execute the
fraud. It begins with a computer Trojan that fraudsters place on a computer, through some type
of "phishing" attack.
In this dynamic world, where the banking basics are evolving, banks need to invest in cutting
edge technology and innovation while ensuring their core infrastructures offer the right
foundation for real organic growth and expanded customer wallet share
MAJOR PLAYERS IN BFSI
Major Players in BFSI are: -
1. State bank Of India (SBI) - The State Bank of India was founded in the year 1955 and
is headquartered in Mumbai. The State Bank of India is an Indian multinational, public
sector banking and financial services statutory body. SBI is ranked 236th in the Fortune
Global 500 list of the world’s biggest corporations of 2019. It has branches in overseas
and India. Its subsidiaries are – SBI Life Insurance Ltd, SBI Cards and Payment Services
Ltd, SBI General Insurance, Jio Payments Bank, etc.
2. Bajaj Finance ltd. - The company was founded by Srinivas Chaudhry Bajaj. It is
headquartered in Pune, Maharashtra. Bajaj Finance’s main products are Fixed Deposit,
Mutual Funds, and Landing. Its various subsidiaries are Bajaj Financial Services Ltd, and
Bajaj Housing Finance Ltd. Bajaj Finance is dealing with commercial lending, consumer
finance, SME, and wealth management. It is one of the Top 10 BFSI Companies in India.
3. HDFC Bank ltd -HDFC Bank was founded in the year 1994 and is headquartered in
Mumbai. The bank offers- Investment Banking, Wealth Management, Investment
Management, Corporate Banking, Private Equity, Credit Cards, Finance & Insurance,
Consumer Banking, and Mortgages. HDFC Bank is India’s largest private sector lender
by assets. It is the largest bank in India by market capitalization as of March 2020. It is
one of the Top 10 BFSI Companies in India.
4. ICICI Prudential life insurance Company ltd-is a private insurance service company
founded in December 2000. It is headquartered in Mumbai, India. ICICI Prudential Life
Insurance Company is a joint venture between Prudential PLC and ICICI bank.
5. Life Insurance Corporation of India (LIC) -It is the top insurance company in India.
LIC is a state-owned enterprise and government corporation. The company was founded
in 1956 and headquartered in Mumbai. Its range of products includes health insurance,
life insurance, investment management, pension plans, mutual funds, etc. The top
insurance company has various zonal offices, divisional offices, branches, satellite
offices, and corporate. It is one of the top 10 Insurance Companies in India.
6. GIC Housing Finance ltd-GIC Housing Finance Ltd was founded in the year 1989. GIC
Housing Finance Ltd is engaged in the housing finance business. The Company’s
primary business is granting housing loans to individuals and to persons/entities engaged
in the construction of houses or flats for residential purposes. The Company has
approximately 60 branches.
7. Canara Bank - The leading public sector bank is owned by the Government of India. It
is headquartered in Bangalore and established at Mangalore in 1906. Its offices are
spreading worldwide including Hong Kong, Moscow, South Africa, Dubai, New York,
Tanzania, etc.
8. Bajaj Holdings and Investment ltd- It is one of the Top 10 BFSI Companies in India.
The Company focuses on earning income through dividends, interest, and gains on
investments held. The Company’s other equities portfolio is a combination of listed and
unlisted investments. BHIL invests in equities based on the Company’s views of returns
from public equity markets, as well as opportunities in the private equity space. The
Company invests in equities normally with an approximately five-year holding horizon or
even longer. Bajaj Auto Holdings Ltd. (BAHL) is the Company’s subsidiary.
OBJECTIVES
DJT mission is to develop a retail ecosystem which will seamlessly integrate online and offline
shopping experience in customers daily lives which displays the impact the company expects to
have on the lives of its customers.
DJT Corporation focuses on maintaining a strong core of people and outstanding teamwork
which plays a significant role in shaping the destiny of our great nation. DJT Corp. has managed
to deal with variations on large scale and overcome challenging situations in a successful way. A
focused vision, innovative spirit, and enthusiastic employees are the mantras behind the success
of DJT Corp.
Maximize mobilization of peoples saving by making insurance linked saving adequately
attractive.
Act as trustee of the insurance public in their individual and collective capacities.
Micro Finance
DJT Finserv is involved in micro finance and focuses to provide financial services in the
unserved areas in a sustainable, ethical, and profitable manner.
Business Loan
DJT Finserv has various offering of business loans with competitive interest rate, minimal
documentation and flexible tenure to meet your every business need
SWOT ANALYSIS
1.Strengths-
· One of Oldest industry

So long as humans have been alive, there’s been forms of banking. Initially, it was a bartering
and exchange system, but now it’s much more than that. Banking teaches us the value of money,
gives us access to loans to reach our dreams, and provides a host of other services related to
credit cards, savings, and bonds.
· A leader of economic growth

It is because of banking that we have seen such economic growth at home and worldwide.
Supply and demand have fostered this growth and also improved financial trade, financial
stability, and financial security. It is also one factor behind increased employment and the
reduction of worldwide poverty.
· Financial Support after a crisis

After experiencing a loss or natural calamity, the banking industry helps customers get back on
their feet. Insurance, investment, and loan options are to thank for this.
· Digital Payment convenience

It is now easier than ever to do banking online. You can deposit your check, pay your bills, and
apply for a credit card without stepping foot into your bank’s branch. However, for more “in-
depth” services, you will likely still need to make an appointment with a financial advisor. Some
things are better handled in-person than electronically.
Banks have plenty of competition. That is why many are making their customers’ lives easier by
offering specific services like free credit score checks. The focus is about improving regulatory
compliance and asset quality.
2. Weaknesses
· Lack of worldwide coordination.

Because the banking industry handles finances, it is a vulnerable industry. It also relies heavily
on the coordination of the economy, but this is a problem on a global scale. Europe holds more
than 50% of the global market. Should it face a recession, the rest of the world (and banks) could
suffer by proxy. Fluctuating currencies and exchange rates can also be trouble for banks.
· Old technology leads to vulnerabilities.

Many banks still use outdated IT infrastructure to host online services. For instance, some
banking websites do not use case sensitive passwords or allow customers to put special
characters in passwords. This makes passwords extremely weak and easy for hackers to brute-
force into your accounts.
Considering it holds your life savings, most customers expect their banks to follow updated
policies, regulations, and infrastructure to keep their information protected. And yet, it is taking
the banking industry too long to keep up with technological advancements. Because of that,
many banks suffer from digital vulnerabilities and potential security bugs.
· No access to rural areas.

Rural regions do not have access to banking services. Part of this is because of conflicts between
government objectives and banking objectives. Another reason for the lack of access is because
providing services to rural areas can be more trouble than it is worth financially.
3.Opportunities
· Move into rural regions.

As mentioned in the weaknesses section, the banking industry has not approached rural areas
yet. It is an opportunity to get more customers but achieving such a move isn’t a small feat. It
may take dozens of years before this approach is successful.
· Offer more or lose customers.

Banks should keep up with consumer demands and demographic changes. Having a banking app
isn’t enough — consumers (especially millennials) crave more options. Providing what people
want will require heavy research from banks. It will also require segmenting customers to create
custom-service options. For instance, what students opening their first account needs will differ
greatly from homeowners or business owners.
If banks fail to address the demands and desires of customers, they will lose them. After all,
there is always another bank they can easily go to.
4.Threats
· The biggest threat of all: Recessions

The biggest threat to any industry handling money is a recession. It is the most critical threat that
can make or break a business. If small and big businesses fall, it will have a direct consequence
on the banking industry.
· Data breaches
With banks offering more online options, it also increases the risk for data breaches. People give
other websites like invoicing companies (like PayPal) access to their bank to receive and transfer
money. If these companies have a breach, it gives hackers access to personal bank accounts.
Although there is nothing banks can do for breaches on other websites, they can make sure their
own is heavily protected against hackers.
· So much competition
Banks have a ton of competition, not just with other banks, but with other alternative finance
companies. This includes mutual fund companies and insurance companies. Millennials are
especially receptive to getting financial services from fintech companies rather than traditional
banks.
Unlike banks, Fintech companies are proving to be more accommodating to millennials needs
(for instance, offering digital services, online banking, and building a relationship with the user).
The banking industry needs to change its approach if it wants to keep the younger generation as
customers.
RESEARCH DESIGN
A Research project conducted scientifically has a specific frame work of research from the
problem & this frame work is condition research is known as the research design.
“A research design is simply the frame work or plan for a study that is used as a guide in
collecting and analysing the data. It is blue print that is followed in completing a study”.
The research process design way conclusive and statistical in nature which would enable the
company to take rational design. This is because the sample size taken way large and techniques
adopted were for mass data. The data observation tabled and the results were in form of
percentage.
SAMPLING-
 Sample size: 100 respondents
 Sampling Method: Random sampling
 Sample Plan: Personal Interview
 Sample Unit: Respondents in Noida city
 Survey conducted on Geographic Bases.
Every decision pose unique need for information, and relevant strategies can be developed based
on the information gathered through research. Research is the systematic objective and
exhaustive search for and study of facts relevant to the problem. Research design means the
framework of study that leads to the collection and analysis of data. It is a conceptual structure
with in which research is conducted. It facilitates smooth sailing of various research operations
to make the research as effective as possible. The study was conducted as an exploratory
sampling survey method to collect primary and secondary data.
DATA SOURCE:
PRIMARY SOURCE OF DATA:
Primary data are those collected by the investigator himself for the first time and thus they are
original in character, they are collected for a particular purpose. A well-structured questionnaire
was personally administrated to the selected sample to collect the primary data.
SECONDARY SOURCE OF DATA:

Secondary data are those, which have already been collected by some other persons for their
purpose and published. Secondary data are usually in the shape of finished products. Two types
of secondary data were collected for the preparation of the project work:
Internal Data was generated from company’s brochures, manuals and annual reports
External Data, on the other hand, was generated from research books and internet (websites).
SAMPLING TECHNIQUES
A sample is a representative part of the population. In sampling technique, information is
collected only from a representative part of the universe and the conclusions are drawn on that
basis for the entire universe. A random sampling technique was used to collect data from the
respondents. A random sample is a sample selected from a population in such a way that every
member of the population has an equal chance of being selected and the selection of any
individual does not influence the selection of any other. The selection is purely depending on
chance. So, while conducting the survey, 100 respondents were selected at random. SAMPLE
SIZE Sample size denotes the number of elements selected for the study. For the present study,
100respondents were selected at random
INSTRUMENTATION TECHNIQUES:
To know the response, the researcher used questionnaire method. It has been designed as a
primary research instrument. Questionnaires were distributed to respondents and they were asked
to answer the questions given in the questionnaire. The questionnaires were used as an
instrumentation technique, because it is an important method of data collection. The success of
the questionnaire method in collecting the information depends largely on proper drafting. So, in
the present study questions were arranged and interconnected logically. The structured
questionnaire will reduce both interviewers and interpreter's bias. Further using SPSS software
and analysis was done for each question’s response to reach into findings, suggestions and
finally to the conclusion about the topic.
The environment in which the company operates is that of a highly competitive energetic
atmosphere. And as a fresher that is an excellent start to begin one's corporate experience
especially in the service sector (life insurance) with.
This in plant training has provided a vital learning element in the career of freshers. As it has
enabled us to realize most of the classroom training obtained so far in a real-life corporate
environment. And so there has been a link developed between theory and practices. Through this
in plant training students can experience the kind of break that awaits us in the corporate world.
This exercise also gets us to understand the amount of dedication and determination that
professionals would have to put in, in their every day's work because the decisions they take is a
matter of loss or profit for the company. And mistakes are generally not entertained in the quality
circles.
The study also enlightened us with the amount of togetherness the staff of ICICI Prudential have
as an expandable family in their working culture
.
This is enumerated with all the employees taking mentioning interest in sharing their colleague’s
problems either physical oriental in comforting them, as would normally happen in a family set
up.
Limitations of the study:

Ø Sample size is limited to 100 educated individual investors. The sample size may
not adequately represent the national market.
Ø Simple Random and judgment sampling techniques is due to time constraints.
Ø This study has not been conducted over an extended period of time having both
ups and downs of stock market conditions which a significant influence on
investor’s buying pattern and preferences.
Ø The research is only exploratory, no conclusion may finally be drawn from it, but
only direction may be sought.
Ø This is an independent study and the observations may not comply with those
which have been made by an experienced profession.
CHAPTER 3 – DATA ANALYSIS AND INTERPRETATION
1) Analysis of investor ‘s preferences
The survey was conducted to capture investor objective for investment in financial instruments,
reveals the following.
Most of the investors want to invest money for the purpose of future welfare followed by high
growth, so company should suggest those instruments which have a positive return for their
investment which will help in fulfilling both the objectives.

2) Current investors preference of Individual Investors towards the Following Financial Markets,
In the Indian Capital Market.
From the above analysis we can infer that majority of the people invest in Equity market, while
the investment in Commodity market and Mutual funds are almost similar, so therefore investors
are inclined more towards the share market.

3) Current Attitude of Individual Investors towards the Following Financial Markets, In the
Indian Capital Market.
According to the analysis, we can see that most of the investors are favorable towards Mutual
fund under current market scenario followed by Commodity market and somewhat favorable
towards Equity market. So, it can be said that investors are looking for safe investment options
along with safe return which can be used as a motivation factor for investors to lure them in
investing in commodity market. According to the recent reports commodity market are the first
to revive for current situation which add as an added incentive for investors to invest in this
market as returns are going to be favorable.
4) Preference of investors investing in Commodity market
From the above analysis we can clearly identify that Bullions i.e., Gold and Silver are the most
favored commodities to be traded in followed by Energy products such as Crude oil, Petroleum.
5)Index preference of investors

Mostly investors prefer to deal on NCDEX platform even though MCX platform being the
largest platform for Commodity trading in India.
6) Why people resist in investing in Commodity market

According to this analysis we can infer that people who already trade in Commodity market have
a perception that perspective investors are not attracted towards Commodity market primarily
because of difficulty in understanding as well as lack of knowledge of Commodity market, so the
investing companies can resort to various methods to inform these perspective investors and
convert them to real investors.
7) Source of information to investors

From the above analysis we can infer that most of the investors are gathering data from
newspapers and from the brokers/agents.
8) Ratings of investors for Commodity market on various attributes.

In the above chart we can clearly see that investors perceives that tier id high Liquidity,
Flexibility and Good returns in the commodity market whereas most of the investors feel that
there is lack of Safety in commodity market. Under the category of diversification, it is almost
equal so investors think that commodity market plays a role to a certain extent in diversification
but not too a great extent. Lastly, investors are not very favorable towards capital appreciation
due to investment in commodity market.
9) Crosstabs between Risk taking capacity and Investment horizon of an investor.
 What is your preference of investment horizon- short term * What is your risk-taking capacity-
High Crosstabulation.
What is your risk-taking capacity- High
yes no Total
What is your preference of yes 2 21 23

investment horizon- short term
no 4 73 77
Total 6 94 100
Low Crosstabulation.
What is your risk-taking capacity- Low
yes no Total

no 34 43 77
Total 46 54 100
Medium Cross tabulation.
What is your risk-taking capacity- Medium
yes no Total

no 38 39 77
Total 47 53 100
From the above analysis we can find out that that there are very few investors who are willing to
invest for short time period so this can be used as great inference that people are willing to put
their invest for long or medium duration which is what is required in commodity market.
 What is your preference of investment horizon- long term * What is your risk-taking capacity-
High Cross tabulation
yes no Total

investment horizon- long term
no 4 52 56
Total 6 94 100
Medium Cross tabulation
yes no Total

no 23 33 56
Total 47 53 100
Low Cross tabulation
yes no Total

no 28 28 56
Total 46 54 100
The conclusion that can be drawn from the above three crosstabs is that investors are not in
Favour of investing their money in commodity market for a long period of time even though
some favorable results have been seen in medium category of risk-taking capacity of investors in
relation to long investment horizon.
 What is your preference of investment horizon- medium term * What is your risk-taking
capacity- High Cross tabulation
yes no Total

investment horizon- medium term
no 4 66 70
Total 6 94 100
capacity- Medium Cross tabulation
yes no Total

no 33 37 70
Total 47 53 100
capacity- Low Cross tabulation
yes no Total

no 32 38 70
Total 46 54 100
From the above analysis we can infer that there are very few investors who are willing to invest
in commodity market. So, we can infer from all the above crosstabs that investors want to invest
in commodity market for long duration as compared to the other two horizons and investors have
an appetite for medium class of risk.
10) Cross tabulation between Annual income and Investment portion of income
Annual income * Investment portion of your income invested Cross tabulation

Investment portion of your income invested
below 10% 10-15 % 15-20% above 20% Total
Annual income below 100000 16 0 0 0 16
100000-200000 6 0 0 0 6
200000-300000 35 5 1 0 41
above 300000 18 14 4 1 37
Total 75 19 5 1 100
In the above analysis we can see that a majority of investors lie between the income group of
200000-300000 and likewise investors are investing only a small portion of their income that is
below 10% and the third thing we can infer is that around 35 out of 100 lies in this common
region.
11) Crosstabs between in which market the investors invest in relation to How they perceive that
market.
 In which financial market do you invest- Equity market * What is your current market attitude
towards the following financial markets- Equity Cross tabulation
What is your current market attitude towards the following financial

markets- Equity
highly somewhat not very not at all

favorable Favorable favorable favorable favorable Total
In which financial yes 1 23 61 5 0 90

market do you invest-
Equity market No 0 0 5 4 1 10
Total 1 23 66 9 1 100
We can see that investors who are investing in Equity market are currently somewhat favorable
towards this market under current situation which provides an opportunity to shift investors or
persuade them into investing in commodity market.
 In which financial market do you invest- Commodity market * What is your current market
attitude towards the following financial markets- Commodity Crosstabulation

markets- Commodity

favorable favorable favorable favorable favorable Total

Commodity market no 1 1 4 9 1 16
Total 5 61 21 12 1 100
We can see that investors who are investing in Commodity market are currently favorable
towards this market under current situation which provides an opportunity to investors to earn
good returns.
 In which financial market do you invest- Currency market * What is your current market
attitude towards the following financial markets- Currency Cross tabulation
What is your current market attitude towards the following
financial markets- Currency
somewhat not very not at all

favorable favorable favorable favorable Total
In which financial market yes 1 5 9 0 15

do you invest- Currency
market no 2 13 69 1 85
Total 3 18 78 1 100
We can see that investors who are investing in Currency market are currently Not very favorable
towards this market under current situation which provides an opportunity to shift investors or
persuade them into investing in commodity market and this might be because of fall in rupee and
economic slowdown.
 In which financial market do you invest- Real estate * What is your current market attitude
towards the following financial markets- Real estate Cross tabulation
What is your current market attitude towards the following

financial markets- Real estate
somewhat not very not at all

favorable favorable favorable favorable Total
In which financial market yes 1 2 0 0 3

do you invest- Real
estate no 7 22 61 7 97
Total 8 24 61 7 100
As we can see from the above table that there are only a handful of investors who are willing to
invest in Real estate market because of which no meaningful conclusions can be drawn.
 In which financial market do you invest- Mutual funds * What is your current market attitude
towards the following financial markets- Mutual fund Cross tabulation
markets- Mutual fund

favorable favorable favorable favorable favorable Total

Mutual funds no 0 9 10 1 1 21
Total 6 79 13 1 1 100
From the above table we can infer that a large section of investors invest in Mutual fund market
and their current attitude towards this market is Favorable, this is because a high rate of return is
generated under this market or a fixed return in guaranteed which is not in the case of any other
market.
12) Cross tabulation between Occupation and Market investment
 In which financial market do you invest- Equity market * Occupation Cross tabulation
Occupation
business profession self-employed others Total
In which financial market do yes 30 36 21 3 90

you invest- Equity market
no 1 4 2 3 10
Total 31 40 23 6 100
 In which financial market do you invest- Commodity market * Occupation Cross tabulation
Occupation

you invest- Commodity
market no 4 7 2 3 16
Total 31 40 23 6 100
 In which financial market do you invest- Mutual funds * Occupation Cross tabulation
Occupation

you invest- Mutual funds
no 7 8 4 2 21
Total 31 40 23 6 100
In the above analysis we can conclude that a large portion of investors are either professional or
businessman who are investing in different market and moreover there is high ratio of
professionals investing in various markets because of knowledge they possess and awareness
about these markets.
13) Cross tabulation between Age groups and Investment objective
 What is your investment objective- High income * Age Crosstabulation
Age
25-30 30-35 35-40 40above Total
What is your investment yes 9 6 7 3 25

objective- High income
no 19 27 15 14 75
Total 28 33 22 17 100
 What is your investment objective- Stable income * Age Crosstabulation

Age
25-30 30-35 35-40 40above Total

objective- Stable income
no 24 30 17 12 83
Total 28 33 22 17 100
 What is your investment objective- Reasonable income and safety * Age Crosstabulation
Age
25-30 30-35 35-40 40above Total

objective- Reasonable income
and safety no 11 7 11 8 37
Total 28 33 22 17 100
 What is your investment objective- Future welfare * Age Crosstabulation
Age
25-30 30-35 35-40 40above Total

objective- Future welfare
no 10 10 3 2 25
Total 28 33 22 17 100
 What is your investment objective- Retirement protection * Age Cross tabulation

Age
25-30 30-35 35-40 40above Total

objective- Retirement protection
No 28 32 21 9 90
Total 28 33 22 17 100
 What is your investment objective- Tax benefit * Age Crosstabulation
Age
25-30 30-35 35-40 40above Total

objective- Tax benefit
no 26 32 17 3 78
Total 28 33 22 17 100
 What is your investment objective-High growth * Age Crosstabulation
Age
25-30 30-35 35-40 40above Total

objective-High growth
no 10 5 7 12 34
Total 28 33 22 17 100
From the above tables we can infer that investors lying in the age group 30-35 are driven by high
growth and reasonable income and safety as an objective, on the other hand we can see, as the
age group increases investors are driven by the objective of future welfare and retirement
protection.
14) Annova between Investment portion and Occupation
FORMATION OF HYPOTHESIS
H0: There is no significant difference between Investment portion and occupation of investors.
H1: There exists significance difference between Investment portion and occupation of investors.
Level of significance = 5%
ANOVA
Sum of Squares Df Mean Square F Sig.
Between Groups 4.737 3 1.579 4.590 .005
Within Groups 33.023 96 .344
Total 37.760 99
As the F value or the test value is 4.590 which is significantly higher than 0.05 so we cannot
reject the null hypothesis in favor of alternate hypothesis which means there is no significant
difference between investment portion and occupation of investors.
15) Annova between Investment objective of investors and Investment in commodity market.
H0: There is no significant difference between Investment objective of investors and Investment
in commodity market.
H1: There exists significance difference between Investment objective of investors and
Investment in commodity market
ANOVA
Sum of
Squares df Mean Square F Sig.
What is your investment Between Groups .044 1 .044 .232 .631

objective- High income
Total 18.750 99
What is your investment Between Groups .170 1 .170 1.197 .277

objective- Stable income
Total 14.110 99

objective- Reasonable
income and safety Within Groups 22.748 98 .232
Total 23.310 99

objective- Future welfare
Total 18.750 99
What is your investment Between Groups .064 1 .064 .700 .405

objective- Retirement
protection Within Groups 8.936 98 .091
Total 9.000 99

objective- Tax benefit
Total 17.160 99
What is your investment Between Groups 1.553 1 1.553 7.289 .008

objective-High growth
Total 22.440 99
16) Annova between Awareness of commodity market and various sources.
H0: There is no significant difference between Awareness of commodity market and various
sources.
H1: There exists significance difference between Awareness of commodity market and various
sources.
ANOVA
Sum of
Squares df Mean Square F Sig.
How do you come to Between Groups .376 1 .376 1.573 .213

know about the
commodity market- Within Groups 23.414 98 .239
Reference groups
Total 23.790 99
How do you come to Between Groups .000 1 .000 .010 .921

know about the
commodity market- Within Groups .990 98 .010
Newspapers(general)
Total .990 99

know about the
Newspapers(Business)
Total 11.310 99

know about the
Financial magazines
Total 16.000 99

know about the
Television Total 23.310 99

know about the
Brokers/agents
Total 11.310 99

know about the
Internet
Total 4.750 99
17) Independent T test between Investment purpose and Gender
H0: There is no significant difference between investment purpose and gender.
H1: There exists significance difference between investment purpose and gender.
Independent Samples Test
Levine's Test
for Equality of
Variances t-test for Equality of Means
95%
Confidence
Sig. Std. Interval of the
(2- Mean Error Difference
tailed Differenc Differenc
F Sig. t df ) e e Lower Upper
What is your Equal 22.08 .000 - 98 .043 -.182 .089 -.358 -.006
investment variances 1 2.05
objective- assumed 5
High income Equal - 92.79 .029 -.182 .082 -.345 -.019
variances 2.22 0
not assumed 1
What is your Equal 2.112 .149 -.70 98 .482 -.055 .078 -.211 .100
investment variances 6
objective- assumed
Stable
income Equal -.73 83.74 .467 -.055 .076 -.206 .095
variances 1 6
not assumed
What is your Equal 37.81 .000 2.96 98 .004 .287 .097 .095 .479
investment variances 2 6
objective- assumed
Reasonable
income and Equal 3.15 89.66 .002 .287 .091 .106 .468
safety variances 3 2
not assumed
What is your Equal 5.154 .025 1.07 98 .287 .097 .090 -.082 .275
investment variances 2
objective- assumed
Future
welfare Equal 1.11 83.99 .270 .097 .087 -.076 .269
variances 1 8
not assumed
What is your Equal 6.045 .016 - 98 .245 -.073 .062 -.197 .051
investment variances 1.17
Retirement
protection Equal - 95.66 .201 -.073 .057 -.185 .040
variances 1.28 3
not assumed 8
What is your Equal 42.06 .000 - 98 .010 -.221 .084 -.387 -.054
investment variances 9 2.63
Tax benefit
Equal - 97.94 .004 -.221 .074 -.367 -.074
variances 2.98 7
not assumed 2
What is your Equal 2.051 .155 .686 98 .495 .068 .099 -.128 .264
investment variances
objective- assumed
High growth
Equal .694 78.42 .490 .068 .098 -.127 .262
variances 7
not assumed
CHAPTER 4 - CONCLUSION
This decade is termed as "Decade for Commodities". Since the economic slowdown all over the
world, the first scenes of recovery have been witnessed in commodity market. It was in 2010 that
when the prices of commodity markets were on a rise after recession which triggered a revival of
many economies such as USA, UK, India, China etc. Now the trend for commodity market is
shifting to developing countries like India due to high agricultural dependence and production.
Moreover, in coming years China will take over USA in commodity trading all over the world
and India will jump to 3rd place this will be because of high and growing population which will
lead to increase in demand for agriculture products and if we see the trend the overall yield per
hectare is also increasing for the last decade.
India is one of the top producers of large number of commodities and also has a long history of
trading in commodities and related derivatives. The Commodities Derivatives market has seen
ups and downs, but seems to have finally arrived now. The market has made enormous progress
in terms of Technology, transparency and trading activity. As majority of Indian investors are not
aware of organized commodity market; their perception about it is of risky to very risky
investment. Many of them have wrong impression about commodity market in their minds. It
makes them specious towards commodity market. So, there is a large or vast amount of untapped
market in India in both urban as well as rural sectors and regulatory bodies have to play a major
role in tapping these markets and luring investors to invest in commodity market.
It is also believed that Indians have a high-risk appetite. So, there is no doubt that in near future
commodity market will become hot spot for Indian farmers rather than spot market. And
producers, traders as well as consumers will be benefited from it. But for this to happen one has
to take initiative to standardize and popularize the Commodity Market.
So, one can conclude on the basis of the analysis that have been carried out that investors in
current scenario i.e., with the burden of fall in rupee, increase inflation and high volatility have
changed their objectives to Reasonable income along with safety for the purpose of future
welfare as future looks uncertain. Now a day's investors are willing to bear very minimum risk
and that too for short span of period and most of the investors are inclined to invest their money
in mutual funds and commodity market. The attitude of investors towards mutual fund
investment is much more favorable than any other market as there is offer of around 12-14%
guaranteed return which if brought about in commodity market can lead to tapping of huge
untapped market.
Investors are willing to invest only in bullions (gold, silver) as their prices tend to rise over a
time horizon and due to lack of knowledge other areas of commodity market as not favored upon
as compared to international market where large amount of money is invested in agriculture-
based products. In order to increase investment in commodity market the regulators have to take
initiative to educate and inform mass people about the working of commodity market and ensure
strict rules and regulations for investors safety which is a major concern these days.
At last, the major findings of this study are that investors are reluctant to invest in commodity
market due to lack of knowledge ad difficulty in understanding the functioning of commodity
market and the major area of concern for investors is the safety driven by the objective of
reasonable income for future welfare.
CHAPTER 5 - RECOMMENDATION
i. The Commodity market operational environment is becoming more competitive. Hence,

the impact of emerging competition on investor behavior/behavioral changes needs to be
studied further.
ii. Developments in technology influence the behavior of investors. Hence, the impact of
technology on financial behavior is another potential area for close study.
iii. Since the industry is still struggling to win the investors 'confidence, in-depth analysis
into investor ‘s expectations from Commodity market, its performance, management,
service and other related areas could be done.
iv. This study reveals that Commodity market investors feel that currently the two major
benefits, which Commodity market claim to offer, namely, Diversification and Safety are
not satisfactorily delivered. In spite of this, Commodity market industry is growing and
we attribute this to investor behavior and other macroeconomic factors. Further research
can be done to understand the reasons for growing popularity on one side and the struggle
to win investors 'confidence on the other side.
v. As we have seen from this study that Commodity market is on a rise in terms of value, so
a study can be conducted further to understand the untapped market.
vi. This study was conducted during less volatile period of market, further research can be
conducted on commodity market taking into consideration a long period where volatility
can also be taken into consideration and more meaningful conclusions can be drawn.
REFERENCES
Websites:
Ø articles.economictimes.indiatimes.com/keyword/commodity_market (Economic times,

2013)
Ø blog.euromonitor.com/2012/04/monthly-review-of-commodity-markets-april-2012-
update.html
Ø businesstoday.intoday.in/story/top-commodities
Ø businesstoday.intodayin/story/indias-commodity-market-to-register-gains/1/15682.html
Ø commodities.about.com/old/managingourportfolio/a/commodities-Review-For-2012.htm
Ø en.wikipedia.org/wiki/commodity_market
Ø moneyweek.com/eight_reasons_commodities_beat_study_every_time
Ø www.bseindia.com/education/content/module_ncfm.htm
Ø www.cmegroup.com
Ø www.commodityonline.com/Futures-trading/market-report/India-
commodity.futures.trade.value-at-Rs.157.828-lakhs-cr-inAprilFeb.2012-13:Fmc-
29536.html
Ø www.fmc.gov.in/shocs_file.aspx?linked=FMC%20Bulletin%20April
%202013_32893130.pdf
Ø www.forbes.com
Ø www.futureindustry.org
Ø www.globalresearch.co/india-commodity-transaction
Ø www.icexindia.com
Ø www.imf.org/external/np/res/commod/Commodity_Market_review1012.pdf
Ø www.indiainfoline.com/Markets/News/MarketNews/Commodity
Ø www.mcxindia.com
Ø www.moneyschool.indianmoney.com/money-gyan-modules
Ø www.ncdex.com
Ø www.nmce.com
Ø www.rjas.info/wp-content/uploads/2013/04/Commodity-Futures-Market-in-India-
Impose-Growth-Roles-and-obstacles.pdf
Ø www.tradingpick.com/begineers_guide.htm
Articles:
Ø Commodity prices and Price volatility: old answers to new questions

Ø Facts and fantasies about commodity futures
Ø Index Investment and Financialization of commodities
Ø Placing the 2006/08 commodity price boom into perspective
Ø Price formation in Financialised commodity market: the role of information
Ø Speculative influences on commodity futures prices 2006-08
Ø The adequacy of speculation in agricultural futures market: Too much of a good times?
Ø The impact of Index and swap funds on commodity futures markets
Ø The role of inventories and speculative trading in the global market for crude oil
Ø World economic outlook: Financial stress, Downturns and Recoveries
ANNEXURE
Annexure 1: Copy of questionnaire
Survey on Investors attitude towards Commodity Market.
This questionnaire is a part of my summer internship at India Infoline Pvt ltd (IIFL). Your
response would be very useful for my research. All the responses will be kept confidential.
Thanks for your cooperation. :)
(The IIFL (India Infoline) group, comprising the holding company, India Infoline Ltd and its
subsidiaries, is one of India’s premier providers of financial services. IIFL offers advice and
execution platform for the entire range of financial services covering products ranging from
Equities and derivatives, Commodities, Wealth management, Asset management, Insurance,
Fixed deposits, Loans, Investment Banking, Gold bonds and other small savings instruments.)
PERSONAL INFORMATION
1. Name : ______________________________
2. Gender
Mark only one oval.
o Male
o Female
3. Age
Mark only one oval.
o 25-30
o 30-35
o 35-40
o 40 above
4. Occupation
Mark only one oval.
o Business
o Profession
o Self-employed
o Others
5. Annual income
Mark only one oval.
o Below 100000
o 100000-200000
o 200000-300000
o Above 300000
6. Investment portion of your income
Mark only one oval.
o Below 10%
o 10-15%
o 15-20%
o Above 20%
7. Do you invest money in financial market?
Mark only one oval.

o Yes
o NO
8. In which financial market do you invest?
(You can tick more than one)
Check all that apply.
o Equity market
o Commodity market
o Currency market
o Real estate
o Mutual funds
o Others
9. What is your current market attitude towards the following financial markets?
Mark only one oval per row.

Highly Somewhat Not very Not at all
Favorable
favorable favorable favorable favorable
Equity
Commodity
Currency
Real estate
Mutual fund
10. What is your preference of investment horizon?
o Short term
o Long term
o Medium
11. What is your risk-taking capacity?
o High
o Medium
o Low
12. What is your investment objective?
o High income
o Stable income
o Reasonable income and safety
o For future welfare
o Retirement protection
o Tax benefit
o High growth
13. Are you aware of commodity market?
Mark only one oval.
o Yes
o No
14. How do you come to know about the commodity market?
o Reference groups
o Newspapers(general)
o Newspapers(business)
o Financial magazines
o Television
o Brokers/Agents
o Internet
o Others
15. Do you invest in commodity market?
Mark only one oval.
o Yes
o No
16. How long have you been trading in commodity market?
Mark only one oval.
o Below 1 year
o 1-2 years
o 2-3 years
o Above 3 years
17. What is the frequency of your trading?

Mark only one oval.
o Daily
o Weekly
o Monthly
o Every season
o Occasionally
o Rarely
18. In which commodity do you invest?
o Bullion (Gold, Silver)
o Argo products (sugar, reseeds, etc.)
o Energy (crude oil, petroleum, gas, etc.)
o Metals (steel, copper)

19. What type of investment do you prefer?
Mark only one oval.
o Future contracts
o Forward contracts
o Options
o Basic payoffs
20. How do you rate commodity market on the basis of following attributes?
Mark only one oval per row.
1 Very low 2 Low 3 Neutral 4 High 5 Very high
Safety
Liquidity
Flexibility
Good return
Capital appreciation
Diversification
21. Which commodity exchange do you prefer for investment?
o MCX
o NCDEX
o NMCF
o Others
22. Why people do not invest in commodity market?

o Lack of knowledge
o Difficulty in understanding
o Increase speculation
o Very risky
23. Would you recommend others to enter into commodity market?
Mark only one oval.
o Definitely
o Probably
o Not sure
o Probably not
o Never

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SUMMER TRAINING PROJECT REPORT

“A STUDY OF BANKING, FINANCIAL SERVICES AND INSURANCE

FOR THE PARTIAL FULFILLMENT OF THE REQUIREMENT

(Dr A P J ABDUL KALAM Technical University, Lucknow, Uttar Pradesh)

Faculty Guide: Name of Industry Guide:

Galgotias College of Engineering & Technology

Dr A P J ABDUL KALAM Technical University, Lucknow

FINANCIAL SERVICES AND INSURANCE SECTOR” is my own work. It contains no

except where due acknowledgement has been made in the text.

Name – AIMAN FATMA

He/She undertook Final Project titled “A STUDY OF BANKING, FINANCIAL SERVICES

Faculty Supervisor Director/HOD

S.NO. CONTENTS PAGE NO.

Chapter 2 Methods of the study

Chapter 3 Data Analysis and

Chapter 5 Recommendation and

INDUSTRY PROFILE - BANKING, FINANCIAL SERVICE AND INSURANCE

BFSI Industry consist of 3 Categories: -

Second Broad category of BFSI covers financial services.

Third Broad category of BFSI covers Insurance.

 Work recognition award

‘’The most obvious choice to all’’.

2. Mobile Banking risks

4. Automated Clearing House Fraud

Major Players in BFSI are: -

· One of Oldest industry

· A leader of economic growth

· Financial Support after a crisis

· Digital Payment convenience

· Lack of worldwide coordination.

· Old technology leads to vulnerabilities.

· No access to rural areas.

· Move into rural regions.

· Offer more or lose customers.

· The biggest threat of all: Recessions

 Sample size: 100 respondents

 Sampling Method: Random sampling

 Sample Plan: Personal Interview

 Sample Unit: Respondents in Noida city

 Survey conducted on Geographic Bases.

SECONDARY SOURCE OF DATA:

Limitations of the study:

CHAPTER 3 – DATA ANALYSIS AND INTERPRETATION

1) Analysis of investor ‘s preferences

investment which will help in fulfilling both the objectives.

In the Indian Capital Market.

are inclined more towards the share market.

Indian Capital Market.

market as returns are going to be favorable.

4) Preference of investors investing in Commodity market

5)Index preference of investors

largest platform for Commodity trading in India.

6) Why people resist in investing in Commodity market

because of difficulty in understanding as well as lack of knowledge of Commodity market, so the

convert them to real investors.

7) Source of information to investors

newspapers and from the brokers/agents.

8) Ratings of investors for Commodity market on various attributes.

due to investment in commodity market.

9) Crosstabs between Risk taking capacity and Investment horizon of an investor.

What is your risk-taking capacity- High

What is your preference of yes 2 21 23