SIP Soft Copy - (FINAL)

Vishweshwar Education Society’s
Indira Institute of Business Management, Sanpada, Navi Mumbai
Indira Institute of Business Management
PROJECT REPORT
ON
“A STUDY ON FINANCIAL STATEMENT ANALYSIS

OF PAYTM”
SUBMITTED TO
INDIRA INSTITUTE OF BUSINESS MANAGEMENT, NAVI

MUMBAI
BY
SAKSHI ANIL BAJAJ
Roll No. 2022043
Batch No 2022-24
IN PARTIAL FULFILLMENT OF
MASTER OF MANAGEMENT STUDIES (MMS),

UNIVERSITY OF MUMBAI
MONTH, 2023
DECLARATION
I, Ms. Sakshi Anil Bajaj hereby declare that this project report is the record of authentic work
carried out by me during the period from 08 May 2023 to 10 July 2023 and has not been submitted to
any other University or Institute for the award of any degree / diploma etc.
Signature
Sakshi Bajaj
Date:
CERTIFICATE FROM THE COMPANY/ORGANISATION

CERTIFICATE
This is to certify that the project entitled ‘A STUDY ON FINANCIAL STATEMENT

ANALYSIS OF PAYTM’ submitted by Ms. Sakshi Anil Bajaj of Indira Institute of
Business Management in partial fulfillment for the award of Master of Management Studies
of Mumbai University is her original work and does not form any part of the projects
undertaken previously.
This project report is the record of authentic work carried out by her during the period
from 08 May 2023 to 10 July 2023.
She has worked under my guidance.
Prof. Febin Verghese Dr. Susen Varghese
(Signature of Faculty Guide) (Signature of the

Director)
Place: Navi Mumbai
Date:
ACKNOWLEDGEMENT
The project is a golden opportunity to me for learning and self- development. I feel very
lucky and blessed to have talented and wonderful people who lead me through in the
completion of this project.
I express my deepest thanks to the Director of Indira Institute of Business Management, Dr.
Susen Varghese.
My special thanks to my mentor Prof. Febin Verghese for his valuable time and guidance.
He took time from busy schedule and guiding me to carry out my summer internship project
at My Sharekhan Ltd.
A humble thanks to all other faculties for helping me whenever I need. I also feel delighted to
express my thanks to library staff and non-teaching staffs who helped me to complete my
project on time.
I express my sincere gratitude to My Sharekhan Ltd. for giving me this opportunity. My

special thanks to Mr. Praful Sharma, (Kalyan, Mumbai) for his guidance and support. I am
thankful to the entire staff of My Sharekhan Ltd. for aiding me to complete the internship
successfully.
My gratitude to my friends and family for motivating and encouraging me through the
journey. I express my heartfelt acknowledgement for the guidance and support from them.
Executive summary
The internship report is based on the two-month internship program that I had successfully
completed from Sharekhan Limited branch, Mumbai.
Sharekhan operates as a comprehensive online stock trading and investment platform. It

offers a range of services to individuals and businesses interested in participating in the
financial markets. Users begin by setting up trading and demat accounts, followed by funding
these accounts with their chosen investment capital
Table of Contents
Sr. Title Page No.

1no. INTRODUCTION 01-
1.1 Relevance of the Project
1.2 Introduction Of the Topic
1.3 Objectives of the study
1.4 Scope of the study
1.5 Rationale Of the Study
1.4 Limitations of the Study
2 PROFILE OF THE
COMPANY
2.1 History and general information
2.2 Company Profile
2.3 Competitors
2.4 Swot Analysis
3 REVIEW OF LITERATURE
4 PROCESS AND WORKFLOW

STUDY AND ANALYSIS
4.1 Research Methodology
4.2 Types of data
4.3 Process and workflow details of 12

the organization under study
5 FINDINGS
6 RECOMMENDATIONS 13
13
7 CONCLUSION 14-15
16
BIBLIOGRAPHY
CHAPTER 1
INTRODUCTION
1
1.1 Relevance of the project

The relevance of a project on financial planning and investments in share market
in India, as a part of the MMS (Master of Management Studies) curriculum at the
University of Mumbai, holds significant importance for several reasons.
 Practical Application of Knowledge
 Understanding Personal Finance
 Risk Management and Portfolio Diversification
 Knowledge of Regulatory Framework
1.1 Introduction of the topic

Analyzing financial statements is essential to assessing a company's performance and
financial health. It entails looking over the financial accounts of the business, which normally
consist of the cash flow, income, and balance sheets. Understanding a company's financial
health, profitability, and capacity to produce cash flows is the main objective of financial
statement analysis. A number of stakeholders, including creditors, investors, management,
and other interested parties, will find this information to be quite helpful.
A. An overview of the main elements of financial statement analysis
1. Financial Statement Types
 Balance Sheet: The balance sheet, also known as the statement of financial position,
gives an overview of the assets, liabilities, and shareholders' equity of a business at a
given moment in time. It adheres to the basic equation: Liabilities + Shareholders' Equity
= Assets
 Income Statement (Profit and Loss Statement): An organization's income, costs, and
net income for a certain time period are shown in the income statement (also known as
the profit and loss statement). It demonstrates how successfully the business is turning a
profit.
 Cash Flow Statement: The cash inflows and outflows from financing, investing, and
operating operations are displayed in this statement. It aids in evaluating a business's
capacity to produce and handle cash.
2. Financial Ratios
2
Financial statement analysis often involves the calculation and interpretation of various
financial ratios. Some common ratios include:
 Liquidity ratios, such as the quick and current ratios,

 Ratios of profitability (such as return on equity and net profit margin)
 Efficiency Ratios (such as turnover in inventory and accounts receivable)
 Ratios of leverage (such as the debt-to-equity and interest coverage ratios)
3. Trend Analysis
Finding patterns in a company's financial performance can be accomplished by looking at

financial statements across a number of periods. This might show whether a business is doing
better or getting worse over time.
4. Comparative Analysis
A company's relative performance and position in the market can be gained by comparing its
financials to those of its rivals or industry benchmarks.
5. Qualitative Factors
Analysis of financial statements involves more than just statistics. Understanding a

company's financial health also comes from qualitative aspects including economic
conditions, industry dynamics, and managerial caliber.
6. Risk assessment
A company's future financial performance may be impacted by a number of risks, including

credit, operational, market, and liquidity issues. These risks can be found with the aid of
financial statement analysis.
7. Valuation
Determining a company's inherent value and choosing which investments to make require a
thorough understanding of its financial statements.
3
8. Regulatory Compliance:
Generally Accepted Accounting Principles (GAAP) and International Financial

Reporting rules (IFRS) are two examples of pertinent accounting rules and regulations that
must be complied with by a company's financial statements.
Analysis of financial statements is a flexible technique that may be applied to a number of

tasks, such as risk management, credit evaluation, investment analysis, and strategic decision-
making. To obtain a complete picture of a company's financial situation and future prospects,
it is important to take into account both quantitative and qualitative aspects.
B. ECONOMIC ANALYSIS
Paytm has had significant economic influence in India. It has aided the expansion of the
digital payments industry, resulting in a more efficient and transparent financial system.
Paytm has also contributed to lower transaction costs for both businesses and consumers.
This has simplified business operations and facilitated customer transactions.
Furthermore, Paytm has created jobs and aided India's economic growth. The company
directly employs over 20,000 people and indirectly supports millions of jobs through its
merchant and partner ecosystem. Paytm adds to the government's tax revenue as well.
• Digital payments growth: Paytm helped in the expansion of digital payments in India.
Only 10% of Indians made digital payments in 2010. Over 80% of Indians now make digital
payments. Paytm has played a significant part in this transformation.
• Cost reduction: Paytm helped in lowering transaction costs for both businesses and
consumers. Paytm, for example, provides merchants with a free payment gateway. This has
enabled corporations to cut costs while increasing earnings.
• Job creation: Paytm has produced jobs and aided India's economic growth. The company
directly employs over 20,000 people and indirectly supports millions of jobs through its
merchant and partner ecosystem. Paytm adds to the government's tax revenue as well.
In addition to these direct economic benefits, Paytm has a variety of indirect economic
impacts. Paytm, for example, has helped to increase financial inclusion, which has resulted in
more people having access to financial services.
4
Overall, Paytm has had a good economic impact in India. It has contributed to the promotion
of cashless transactions, financial inclusion, economic growth, and job creation.
However, Paytm is still a young startup. It is facing increased competition from other digital
payment companies such as Google Pay and PhonePe. Paytm is also encountering regulatory
problems. For example, the Reserve Bank of India has placed limits on Paytm Payments
Bank.
C. MARKET ANALYSIS
Paytm is an important digital payments and financial services firm in India. It is India's
largest digital payments company, with 90 million average monthly transacting users and
over 8 million merchants. Paytm provides a diverse range of products and services, including
mobile payments, e-commerce, bill payments, financial services, and more.
The Indian digital payments market is quickly expanding. The market is anticipated to be
valued $19 trillion by 2025, up from $13 trillion in 2022. Paytm is well-positioned to benefit
from this expansion. The company has a strong brand, a significant user base, and a diverse
product and service offering.
Paytm is expected to maintain its position as a prominent participant in the Indian digital
payments business. The corporation has several advantages over its competitors, including a
vast user base, a diverse product and service offering, and a strong brand.
Here are some key trends in the Indian digital payments market that are likely to
impact Paytm:
• The growth of e-commerce: E-commerce is quickly expanding in India. As more

consumers shop online, this is fuelling the expansion of digital payments.
• The rise of UPI: UPI is a real-time payment system that enables users to instantaneously
transfer money between bank accounts. UPI is gaining popularity in India, and it poses a
significant challenge to Paytm, which has always relied on its own wallet system.
• The government's push for digital payments: The Indian government encourages digital
payments in a variety of ways. The government, for example, has created the Digital India
initiative, which aspires to transform India into a cashless society.
5
D. INDUSTRY ANALYSIS
Paytm is a company that specializes in digital payments and financial services in India. This
market is rapidly growing because of increased smartphone and internet adoption and the
government's push to promote cashless transactions. Payment gateways & digital wallets
marked the beginning of India's fintech sector. Some of the pioneers in this field included
businesses like Paytm & freecharge. The main emphasis during this time was on digitalizing
and improving payment processes. Now, Paytm is a leading player in the Indian digital
payments market, and it is well-positioned to benefit from the continued growth of this
market.
The introduction of the Unified Payment Interface (UPI) is 2016 is also played a significant
role in the growth of the fintech industry. It is a game-changer for India's digital payments
ecosystem. UPI transactions in India witnessed a growth of 650% at the semi-urban and rural
stores in India.
Competitors
Paytm is India's leading digital payments and financial services company. It competes against
a variety of other players, including:
• Other popular digital wallets in India include Google Pay, PhonePe, and Amazon Pay.
• Traditional banks provide digital payments and financial services as well.
• In the Indian digital payments and financial services business, several new entrants are also
developing.
Market Share
PhonePe and Google Pay had the highest UPI app market share of about 43 percent as of first
half of financial year 2022. This was followed by Paytm with app market share of 8 percent.
E. FINANCIAL ANALYSIS
Stock Market Price:
• 839.00 INR as on September 21, 2023
6
Traded as
• NSE: PAYTM
• BSE: 543396
ISIN Number:
• INE982J01020
1.3 Objectives of the study:
 Financial performance analysis

 Comparison with peers
 Business plan and potential for expansion
 Possibility of investment
 Model of finances
1.4 Scope of the Study
This study analyzes Paytm's financial performance over the past 3-5 years, using key
financial ratios such as profitability, liquidity, and leverage ratios. This is a good starting
point for any financial statement analysis. It will give you a good understanding of Paytm's
overall financial health and how it has performed over time.
Compare Paytm's financial performance to its peers in the fintech industry. This helps to
identify Paytm's strengths and weaknesses relative to its competitors.
1.5 Rationale/contribution of the study

The purpose of a financial analysis statement is to evaluate a company's or
organization's financial health and performance. Financial analysis assists stakeholders
such as investors, lenders, managers, and analysts in making educated decisions
regarding the company's financial prospects and ability to create profits, manage
resources, and meet financial obligations. Here are some main reasons for performing
financial analysis.
7
1. Financial analysis aids in assessing the company's historical and current

performance. It enables stakeholders to assess how well the company has used its
resources and generated revenues.
2. Financial analysis is used by investors to analyze whether a firm is a good
investment. They examine financial statements to determine the potential return on
investment and the risks involved.
3. Lending and Credit Decisions Lenders and creditors evaluate a company's
creditworthiness and ability to repay loans by analyzing financial statements. This
information is used to establish loan conditions and interest rates.
4. Strategic Planning Financial analysis is used by management to make strategic
decisions. It reveals which sections of the business are operating well and which
require improvement.
5. Financial analysis aids in the identification of financial hazards such as liquidity
risk (the ability to meet short-term obligations) and solvency risk (the ability to
satisfy long-term obligations). It can also highlight operational and market
vulnerabilities.
6. Companies might compare their financial performance to that of their industry
counterparts or competitors. This enables them to identify areas where they shine
and areas where they need to improve.
Limitations of the study:
Data restrictions include the possibility that the researcher does not have access to all the data
or that the data is erroneous or lacking.
 Subjectivity
Some of the analysis will involve subjective judgment, such as the selection of key ratios and
the interpretation of results. This can lead to different conclusions being drawn, even when
using the same data.
 Unforeseen events
8
It's possible that the study was unable to foresee events that turned out to be significant and
could affect Paytm's business model and financial performance. Events of this type include
shifts in regulations, technological disruptions, and economic downturns.
CHAPTER 2
PROFILE OF THE ORGANISATION
9
PROFILE OF THE ORGANISATION
Location:-
Shop no 103, First Floor, Siddhivinayak Sankul CSL, Near Oak Baugh, Opposite Zujzaro
Market,Station Road, Kalyan (W) 421301. Thane Dist, MH, IN
2.1 History & general information
10
Sharekhan was founded by Mumbai-based entrepreneur Shripal Morakhia in 2000.

Sharekhan pioneered the Indian online retail brokerage industry and leveraged on the first
wave of digitization, when dematerialization (demat) of securities came into effect and
electronic trading was introduced in the stock exchanges.
Company Profile:
 Name of the company- Sharekhan pvt. Ltd.
 Owner- Shripal Morakhia
 Established in year- 02 Jun, 2000
 Industry- Retail brokerage full-service brokerage firm
 Activity- Sharekhan is a full-service broker offering trading and investment services in
equity, derivatives, commodities, currency and mutual funds etc.
 Branches- 240 Sharekhan Branches Across India
 Total no. of employees- 1,001 to 5,000 employees in India
 Turnover- Rs. 25,737 crores (2021)
Mission and Vision of the company:
 Mission- The company plans to invest around €70 million. Sharekhan also aims to launch
a new website, mobile apps, hire more people, and upgrade its trading platform
 Vision- “We believe in mobile commerce. Our goal is to become the most preferred
platform for digital savers and investors”
Products offer by sharekhan:
11
Source:
Hierarchy in sharekhan
12
SHAREKHAN
Sales Side Dealing Side
Trainees Junior Dealer
Super Trainees Dealer
Relationship
Sales Executive
Manager
Senior
Senior Sales
relationship
Executive
manager
Business
Development Equity advisor
Executive
Assistant Sales Assistant branch

Manger manager
Deputy Manager Branch manager
Territory
Cluster head
Manager
Area sales
manager/ cluster Directors
manager
Regional sales
CEO
manager
Sales Side Dealing Side

 Trainees  Junior Dealer
13
 Super Trainees  Dealer
 Sales Executive  Relationship Manager
 Senior Sales Executive  Senior relationship

manager
 Business Development  Equity advisor
Executive
 Assistant Sales Manger  Assistant branch
manager
 Deputy Manager  Branch manager
 Territory Manager  Cluster head
 Area sales manager/

 Directors
cluster manager
 Regional sales manager  CEO
 Regional Head  Regional Head
 Vice president  Vice president
Competitors Analysis:
Broking Business in India.
1. TradeStation
2. RoboMarkets
3. Motilal Oswal
4. CMC Markets
5. Questrade
6. Sarwa
7. Libertex
8. CommSec
9. IIFL Securities
14
10. Trading212
11. AngelOne
SWOT ANALYSIS:
ShareKhan is one of the leading brands in the banking & financial services sector. ShareKhan
SWOT analysis evaluates the brand by its strengths & weaknesses which are the internal
factors along with opportunities & threats which are the external factors.
STRENGTH:
1. An extensive selection of cutting-edge financial products
2. Thorough investigation of every industry sector
3. Robust IT foundation
4. Possess one of the biggest nationwide branch networks
5. Presence throughout India, with more than 1,500 locations catering to 950,000 clients in
450 cities.
Weakness:
15
1. Exclusive penetration in urban settings.
Opportunities:
1. Expanding rural economy
2. Earning Youth in Cities
3. Spreading knowledge about the advantages of investing to a wider audience.
Threats:
1. Government and RBI's strict economic measures
2. International finance companies joining the Indian market
CHAPTER 3
16
REVIEW OF LITERATURE
3.3 Review of research on the selected topic
1. Dr. D. S. Borkar and Avinash Galande (2022) highlight that Payment banks like
Paytm and Airtel have gained popularity in India within a few years. They have been
successful in providing banking services to lower-income groups and small
businesses. Paytm has enabled smaller businesses to use UPI and QR codes for
smoother payment operations. Payment banks play a vital role in the digitalization of
India and the move towards a cashless economy.
2. ABA Banking Journal (2018) highlights that Fintech should not be seen as
competition by the existing players in the financial services sector. Rather, banks
should implement fintech as part of their strategic vision. The cited literature
underlines the fact that Paytm offered a diverse range of products. The banking sector
thrives on the High Volume-Low Margin business model and Paytm's entry into the
banking sector in 2015 has been crucial in its success.
17
3. Samudre and Gramopadhye (2018) found that the frequent users of Paytm are
below the age of 35 years. People use Paytm mainly to recharge mobile numbers and
mostly their transactions are between Rs. 101 to Rs. 1000.
4. Nair (2018) collected data from 201 respondents and employed factor analysis to
analyze the data. The author discovered that sustainability and transaction-oriented are
the main motives to use mobile payments.
5. FE Bureau (2017) states that according to the RBI, Demonetization has increased the
growth of Paytm & Mobikwik which is known as the Digital payment companies.
6. Prof Trilok Nath Shukla (June 2016) presented his findings on the present and
future of mobile wallets. The paper covered the types of mobile wallets available, how
they work, and their respective advantages and disadvantages. Prof Shukla's analysis
also included the perspectives of consumers and retailers regarding mobile wallets. He
concluded that mobile wallets have the potential to be a useful tool for engaging
customers, especially for marketers and digital businesses. Regardless of the current
market status of mobile wallets, Prof Shukla recommends that marketers should seize
the emerging opportunities in this area.
CHAPTER 4
18
PROCESS /WORKFLOW STUDY &

ANALYSIS
4.1 RESEARH METHODOLOGY
Research methodology is a way of explaining how a researcher intends to carry out their
research. It's a logical, systematic plan to resolve a research problem. A methodology details
a researcher's approach to the research to ensure reliable, valid results that address their aims
and objectives. It encompasses what data they're going to collect and where from, as well as
how it's being collected and analyzed.
4.2 TYPES OF DATA
Primary Research:
19
Primary research is one that involves the gathering of fresh data, i.e., when data about a
particular subject is collected for the first time, then the research is known as primary
research.
Secondary Research:
Secondary research is a research method that uses data that was collected by someone else. In
other words, whenever the research is conducted using data that already exists, then its the
secondary research.
This project involved extensive research of tax laws, regulations, and investment options
available to individual taxpayers. Data was gathered from reliable sources, including books,
government websites, and other reputed websites.
4.3 PROCESS AND WORKFLOW OF THE ORGANIZATION
20
CHAPTER 5: FINDINGS
1. Financial performance analysis:
Financial performance study shows that in the last three to five years,
Paytm's income has increased dramatically, rising from ₹5,042 crore
in FY18 to ₹19,142 crore in FY23.
 Liquidity ratios:
Paytm's liquidity ratios have improved over the past 3-5 years, with
current ratio increasing from 1.1x to 1.3x and quick ratio increasing
from 0.8x to 1.1x. This indicates that the company has sufficient
liquidity to meet its short-term obligations.
 Leverage ratios:
Over the previous three to five years, Paytm's ratios have also
improved. Specifically, the debt-to-assets ratio has decreased from
0.6x to 0.4x, while the debt-to-equity ratio has decreased from 1.5x to
1.1x. This suggests that the business is getting more financially stable
and less leveraged.
2. Comparison with peers:
In the Indian fintech sector, Paytm's financial performance is on par

with that of its peers. Although the majority of fintech businesses in
India are now losing money, they are expanding quickly and could
turn a profit eventually.
21
3.Business plan and potential for expansion:
Offering a large range of banking and e-commerce services to its

clients is the foundation of Paytm's business strategy. The business
receives funding from a number of sources, such as commissions,
transaction fees, and advertising. Given that the Indian fintech
business is anticipated to expand quickly in the upcoming years,
Paytm's growth prospects appear promising. Areas for improvement:
Paytm must increase its profitability in order to maintain its viability

over time. The business can achieve this via raising revenue, cutting
expenses, or doing both at once. Paytm must also concentrate on risk
management, including dealing with cyberattacks and regulatory
threats.
4. Possibility of investment:
Paytm represents a high-risk, high-growth investment. Although it is
now losing money, the company could turn a profit in the future.
Paytm might appeal to investors who are prepared to assume some
risk.
5. Model of finances:
To project Paytm's financial performance in the future, a financial
model can be created. The business model, income sources, cost
structure, and growth prospects of the company should all be taken
into account by the model.
RECOMMENDATIONS:
A study on Paytm's financial statement analysis is a worthwhile and
pertinent project topic, particularly if you're curious about the
performance and financial status of a well-known financial
22
technology (fintech) company. The following advice will help you

carry out this job successfully:
 Define Clear Objectives:

 Clearly define the aims and purposes of your research. Which
particular features of Paytm's financial records are you examining?
Are you focusing on solvency, liquidity, profitability, or another
factor? Your research will be guided by a clear emphasis.
 Data collection:
 Obtain precise and current financial information from Paytm's
quarterly reports, yearly reports, and other trustworthy sources. For
a thorough study, make sure you have access to both historical and
current financial statements.
 To keep investors satisfied, the company needs to use shareholder
funds effectively to increase ROI and ROE. To boost E.P.S. for
shareholders, the corporation may consider taking on some debt.
 Paytm should keep emphasizing cost control and efficiency in
order to maintain and grow its profitability.
 The business should continue to take a conservative approach to
debt financing in order to guarantee solvency and reduce risks.
 Paytm should continue to be flexible in response to shifting legal
requirements and market dynamics, taking proactive measures to
counter such risks.
 Paytm should continue to prioritize diversifying its financial
offerings and looking for new development prospects.
23
CONCLUSION
The research of Paytm's financial statements has yielded important

insights into the health and financial performance of this well-known
fintech startup. Several significant conclusions and observations have
been made following a thorough analysis of Paytm's financial
statements using a variety of analytical techniques:
Profitability: Over the past few years, Paytm has continuously
increased its profitability, as seen by a continually rising net profit
margin. This suggests effective cost control and expanding clientele.
Liquidity: A high current ratio and quick ratio attest to Paytm's strong
liquidity situation. It looks that the business is ready to pay its short-
term debts.
Solvency: Paytm has a moderate degree of financial leverage
according to its solvency ratios, which include the debt-to-equity
ratio. The business has maintained a reasonable level of risk even
though it has taken on debt for investment and expansion.
Trends: Paytm's successful development into a variety of financial
services in a quickly changing market is indicated by the company's
impressive rise in both revenue and operating expenses.
Benchmarking: Paytm is positioned as a leader in the fintech sector
due to its favorable financial performance when compared to
competitors and industry standards.
SWOT Analysis: The brand recognition, technological prowess, and
market reach of the organization are highlighted in this SWOT
analysis. The main areas of weakness are the regulatory obstacles and
fierce competition. Continued diversity of services presents
opportunities, while cybersecurity risks and regulatory changes pose
threats.
24
REFERENCES & BIBILOGRAPHY :

Textbooks
 Murthy - Management Accounting First Edition-2000, S.
Viswanathan (Printers &Publishers), PVT, LTD.
 S.M. Maheswari - Management Accounting, Sultan Chand &
Sons Educational Publishers, New Delhi.
 R.K. Sharma and Shashi K Gupta Management Accounting and
Business Finance-16th Edition 2008
 Murali Krishna Working Capital Management- 2010
 Prasanna Chandra Financial Management: Theory & Practice-
2004
Website
 NSE
 BSEINDIA
 ShareKhan SWOT Analysis
 Moneycontrol
 Paytm Business Model
 https://ijcrt.org/papers/IJCRT23A4062.pdf
25

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Vishweshwar Education Society’s

Indira Institute of Business Management, Sanpada, Navi Mumbai

Vishweshwar Education Society’s

Indira Institute of Business Management

“A STUDY ON FINANCIAL STATEMENT ANALYSIS

INDIRA INSTITUTE OF BUSINESS MANAGEMENT, NAVI

SAKSHI ANIL BAJAJ

Roll No. 2022043

MASTER OF MANAGEMENT STUDIES (MMS),

CERTIFICATE FROM THE COMPANY/ORGANISATION

This is to certify that the project entitled ‘A STUDY ON FINANCIAL STATEMENT

She has worked under my guidance.

Prof. Febin Verghese Dr. Susen Varghese

(Signature of Faculty Guide) (Signature of the

Place: Navi Mumbai

I express my sincere gratitude to My Sharekhan Ltd. for giving me this opportunity. My

Sharekhan operates as a comprehensive online stock trading and investment platform. It

Sr. Title Page No.

4 PROCESS AND WORKFLOW

4.1 Research Methodology

4.2 Types of data

4.3 Process and workflow details of 12

1.1 Relevance of the project

1.1 Introduction of the topic

A. An overview of the main elements of financial statement analysis

1. Financial Statement Types

 Liquidity ratios, such as the quick and current ratios,

Finding patterns in a company's financial performance can be accomplished by looking at

Analysis of financial statements involves more than just statistics. Understanding a

A company's future financial performance may be impacted by a number of risks, including

Generally Accepted Accounting Principles (GAAP) and International Financial

Analysis of financial statements is a flexible technique that may be applied to a number of

• The growth of e-commerce: E-commerce is quickly expanding in India. As more

• Traditional banks provide digital payments and financial services as well.

Stock Market Price:

• 839.00 INR as on September 21, 2023

1.3 Objectives of the study:

 Financial performance analysis

1.4 Scope of the Study

1.5 Rationale/contribution of the study

1. Financial analysis aids in assessing the company's historical and current

Limitations of the study:

PROFILE OF THE ORGANISATION

2.1 History & general information

Sharekhan was founded by Mumbai-based entrepreneur Shripal Morakhia in 2000.

Mission and Vision of the company:

Products offer by sharekhan:

Sales Side Dealing Side

Trainees Junior Dealer

Super Trainees Dealer

Assistant Sales Assistant branch

Deputy Manager Branch manager

Sales Side Dealing Side

 Super Trainees  Dealer

 Sales Executive  Relationship Manager

 Senior Sales Executive  Senior relationship

 Territory Manager  Cluster head

 Area sales manager/