Financial Education and Investor Awareness

Assignment 1

1. National Pension System:

 National Pension System is a defined-contribution pension system.
 It allows the citizens to make defined contribution towards planned savings
thereby securing the future in the form of Pension.
 It is managed by Pension Fund Regulatory and Development Authority (PFRDA).
 Initially it was created only for government employees. From 2009, it was opened
for all citizens between age if 18 to 65. Further in 2021, its age limit was
extended from 65 to 70.
2. Atal Pension Yojana:
 It is also a pension scheme primarily targeted on unorganized sector.
 individuals can contribute to their pension account between the ages of 18 to 40
years and can receive a guaranteed pension ranging from Rs. 1,000 to Rs. 5,000
per month after the age of 60 years.
 It is backed by the Government of India and administered by PFRDA.
 This scheme is available to all citizens of India who are not members of any
statutory social security scheme.
3. Pradhan Mantri Shram Yogi Mandhan:
 It is a voluntary pension scheme for unorganized workers.
 Under this scheme, workers in the age group of 18-40 years can contribute a
fixed monthly amount and receive a minimum pension of Rs. 3000 per month
after the age of 60 years.
 The scheme is administered by the Ministry of Labour and Employment.
 It aims to provide social security and financial stability to unorganized workers
who often lack access to formal pension or retirement benefits.
4. PM Laghu Vyapari Mandhan Yojana:
 It is a pension scheme for small traders and shopkeepers.
 Under this scheme, small traders and shopkeepers in the age group of 18-40
years can contribute a fixed monthly amount and receive a minimum pension of
Rs. 3000 per month after the age of 60 years.
 It available to small traders and shopkeepers with an annual turnover of less than
Rs. 1.5 crore.
 It is administered by the Ministry of Labour and Employment.
5. Pradhan Mantri Kisan Maandhan Yojana (PM-KMY):
 It is a pension scheme for small and marginal farmers.
 The scheme is voluntary and aims to provide social security and financial
stability to farmers in their old age.
 The government also contributes an equal amount to the farmer's pension
account under the scheme.
 The scheme is administered by the Ministry of Agriculture and Farmers Welfare
and is available to small and marginal farmers who own less than 2 hectares of
cultivable land.

Assignment 2

1. Depository Accounts and Participants:

 A deposit account is a bank account maintained by banks in which a customer
can deposit and withdraw money. Deposit accounts can be savings accounts,
current accounts, or any of several other types of accounts explained below.
 A depository participant means a place that resembles a bank that stores money
and conducts transactions. Instead of money, a depository participant acts as a
store of assets such as securities. With a depository participant, you can open a
Demat account and store securities and then trade with them as your account
may be linked if you open a trading account.
2. List the 25 Major Companies listed in BSE and their face value and LTP:
 Company Name Face Value LTP
Reliance Industries 10 ₹2,349.00
TCS 1 ₹3,160.00

HDFC Bank 1 ₹1,674.00

ICICI Bank 2 ₹885.65

HUL 1 ₹2,497.95

Infosys 5 ₹1,227.35

ITC 1 ₹408.25

SBI 1 ₹543.15

Bharti Airtel 5 ₹765.20

Kotak Mahindra 5 ₹1,893.65

Bajaj Finance 2 ₹5,937.90

LIC India 10 ₹548.00

Larsen 2 ₹2,215.20

HCL Tech 2 ₹1,048.95

Asian Paint 1 ₹2,882.10

Axis Bank 2 ₹864.20

Maruti Suzuki 5 ₹8,558.45

3. List the 25 Major
Sun Pharma 1 ₹989.45

Titan Company 1 ₹2,568.30

Avenue Supermar 10 ₹3,455.90

UltraTech Cement 10 ₹7,358.50

Bajaj Finserv 1 ₹1,317.90

Adani Enterpris 1 ₹1,803.00

Wipro 2 ₹368.05

ONGC 5 ₹159.60
Companies listed in NSE their face value and LTP:
 Company Name Face Value LTP
MRF 10 ₹86,540.00
Shree Cements 10 ₹23,910.00

Bosch 10 ₹18,761.00

Jain Irrigation 2 ₹36.64

Maruti Suzuki 5 ₹8,557.80

UltraTech Cements 10 ₹7,361.85

Atul 10 ₹6,995.95

Bajaj Holdings 10 ₹6,376.95

ZFCVINDIA 5 ₹10,244.00

Dr Reddys Labs 5 ₹4,878.60

Info Edge 10 ₹3,632.00

Tata Steel 1 ₹106.15

Page Industries 10 ₹39,999.95

Piramal Enter 2 ₹719.55

Bajaj Auto 10 ₹4,309.10

Hero Motocrop 2 ₹2,460.85

Ceat 10 ₹1,397.10

Nilkama 10 ₹1,902.00

Grasim 2 ₹1,661.90

Alkem Lab 2 ₹3,412.40

Tata Steel Long 1 ₹641.35

Reliance 10 ₹2,348.90

Shriram Finance 10 ₹1,360.25

ICRA 10 ₹4,875.00

Assignment 3

1. What is Chart in stock market?

A chart is a graphical representation of price and volume movements of a stock over a
certain period. In the graphical chart, the X-axis represents the time period, and the Y-
axis represents the price movement. The time period can vary from intra-day to even a
few months or more.

Types of charts:
 Line Charts
 Bar Charts
 Candlesticks Charts
 Renko Charts
 Heikin Ashi Charts
 Point & Figure Charts
2. What is Patterns in Chart?
 A chart pattern or price pattern is a pattern within a chart when prices are
graphed.
 In stock and commodity markets trading, chart pattern studies play a large role
during technical analysis.
 When data is plotted there is usually a pattern which naturally occurs and repeats
over a period.
 Chart patterns are used as either reversal or continuation signals.
Types of Patterns:
 Traditional Chart Pattern
 Harmonic Patterns
 Candlestick Pattern
3. How many types of Candle /sticks appears and explain?
 The candlesticks are used to identify trading patterns that help technical analyst
set up their trades.
 These candlestick patterns are used for predicting the future direction of the price
movements.
 The candlestick patterns are formed by grouping two or more candlesticks in a
certain way.
 Sometimes powerful signals can also be given by just one candlestick.
 There are 35 types of candlesticks.
 Assignment 4

1. List out of Other Parameters & Criteria to Select Best Mutual Funds:
 Performance Against Benchmark
 Performance Against Category
 Consistency of Performance
 Fund Manager’s Experience
 AMC Track Record
 Scheme’s Assets Under Management (AUM)
 Expense Ratio

Assignment 5

1. List out min 5 Mutual Funds Plan/schemes:

MF - Name Category Net Asset Value (NAV)

Axis Bluechip Fund Large Cap Fund ₹41.95

Mirae Asset Large Cap Large Cap Fund ₹ 77.527
Fund
Parag Parikh Flexi Cap Flexi Cap Fund ₹ 54.651
Fund
UTI Flexi Cap Fund Flexi Cap Fund ₹ 222.2774
Axis Midcap Fund Mid Cap Fund ₹ 65.74

Assignment 6

1. List out the interest rate given by Banks on accounts (SB,CA,FD and RD):
 Interest rate on SB account in SBI – 2.70% p.a
 Interest rate on CA account in SBI – 10.10% p.a
 Interest rate on FD account in SBI – 3.00% p.a
 Interest rate on RD account in SBI – 4.40% p.a
2. List of Advantages and Disadvantages of a Debit Card and Credit Card:
1) Debit Card:
a) Advantages of Debit Card:
i) Convenience: Debit cards are convenient to use as they eliminate the need to
carry cash around. They can be used to make purchases at merchants that
accept card payments.
ii) Budgeting: Debit cards help in budgeting as they allow users to spend only
the amount that is available in their bank account. This helps users to avoid
overspending and getting into debt.
iii) Security: Debit cards are more secure than cash as they require a PIN to be
entered to authorize a transaction. They also have fraud protection features
that can detect and prevent unauthorized transactions.
iv) Cashback and Rewards: Many banks and card issuers offer cashback and
rewards programs for debit card usage. This can include cashback on
purchases, points that can be redeemed for gifts, or other perks.
b) Disadvantages of Debit Card:
i) Overdraft fees: If users spend more than the available balance in their
account, they may be charged an overdraft fee by their bank. This can be a
significant expense and may cause financial difficulties.
ii) Limited consumer protection: Unlike credit cards, debit cards offer limited
consumer protection. If a fraudulent transaction is made with a debit card, the
user may have to wait for their bank to investigate and refund the amount,
which can take time.
iii) Limited acceptance: Some merchants may not accept debit cards or may only
accept certain types of cards. This can be inconvenient for users who need to
make purchases at these merchants.
iv) Fees: Some debit cards may come with monthly fees or transaction fees.
These fees can add up over time and can be a significant expense for users
who frequently use their cards.
2) Credit Card:
a) Advantages of Credit Card:
i) Rewards and benefits: Many credit cards offer rewards programs and benefits
such as cashback, points, discounts, or other perks for using the card to
make purchases.
ii) Convenience: Credit cards offer the convenience of not having to carry cash
around. They can be used for purchases at millions of merchants worldwide
and for online transactions.
iii) Credit history: Using a credit card responsibly and paying off the balance in
full each month can help users build a good credit history, which can be
useful for future loan applications or other financial transactions.
iv) Fraud protection: Credit cards offer protection against fraudulent transactions,
and users are not liable for any unauthorized purchases made on their cards.
b) Disadvantages of Credit Card:
 i) High interest rates: Credit cards can have high-interest rates, especially if the
balance is not paid off in full each month. This can lead to significant debt and
interest payments over time.
ii) Fees: Credit cards can come with various fees, such as annual fees, late
payment fees, and cash advance fees. These fees can add up quickly and
can be a significant expense for users.
iii) Temptation to overspend: Credit cards can make it tempting to overspend,
especially if users have a high credit limit. This can lead to debt and financial
difficulties.
iv) Impact on credit score: If credit card balances are not paid off in full each
month, it can negatively impact the user's credit score, making it harder to get
approved for future loans or credit.

Assignment 7

1. What are the Fees and charges that apply for using these payment systems,
which vary from bank to bank and depend on the amount transferred. (On Internet
Banking-NEFT, RTGS and IMPS)
1) NEFT:
 For transactions up to Rs. 10,000: Rs. 2.50 + GST
 For transactions from Rs. 10,001 to Rs. 1 lakh: Rs. 5 + GST
 For transactions from Rs. 1,00,001 to Rs. 2 lakhs: Rs. 15 + GST
 For transactions above Rs. 2 lakhs: Rs. 25 + GST
2) RTGS:
 For transactions up to Rs. 2 lakhs: Rs. 5 + GST
 For transactions above Rs. 2 lakhs and up to Rs. 5 lakhs: Rs. 25 + GST
 For transactions above Rs. 5 lakhs: Rs. 50 + GST
3) IMPS:
 For transactions up to Rs. 1,000: Rs. 5 + GST
 For transactions above Rs. 1,000 and up to Rs. 10,000: Rs. 5 + GST
 For transactions above Rs. 10,000 and up to Rs. 1 lakh: Rs. 10 + GST
 For transactions above Rs. 1 lakh and up to Rs. 2 lakhs: Rs. 20 + GST

2. How UPI is useful in Business, Personal Life, etc.

 In Business:
o Faster and easier payments
o Lower transaction fee
o Improved cash flow management
  In Personal Life:
o Easy and convenient money transfers
o No need for cash
o Increased security

3. List Out New Banking Practices followed in India.

 Digital Banking
 UPI (Unified Payment Interface)
 Aadhar enabled payment system (AEPS)
 Virtual Credit Card
 Open Banking
 Contact less payments