“a study on awareness of demat” in hdfc bank

8/17/2019 “a Study on Awareness of Demat” in Hdfc Bank

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A PROJECT REPORT ON

“A STUDY ON AWARENESS OF DEMAT” in HDFCBANK

CONTENTSSI.NO PARTICULARS PAGE NO

1 EXCUTIVE SUMMARY

INTRODUCTION

-Constituents in Depositor Sste!

-NSDL" CSDL

-Depositor P#rti$ip#nt

-De!#teri#%is#tion

1-&

' RESEARC( MET(ODOLOGY

-Tit%e o) t*e pro+e$t

-S$ope o) t*e stu,

-O+e$tie o) t*e stu,

-Li!it#tion o) t*e stu,

-Met*o,o%o/

-D#t# $o%%e$tion !et*o,

-Too%s " te$*ni0ues use, )or ,#t# $o%%e$tion

-ie%, 2or3

-Rese#r$* Desi/n

14-15

6 INDUSTRIAL PROILE 17-68

8 COMPANY PROILE 65-86

5 DATA ANALYSIS AND INTERPRETATION 88-967 SUMMARY O INDINGS:SUGGESTIONS AND 98-9;


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CONCLSION

;


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SI.NO PARTICULARS PAGE.NO.

1 A2#reness O) De!#t A$$ount In Resspon,ents 85

'. Sour$e O) In)or!#tion 8;

6 Top O) T*e Min, A2#reness 8&

8.1 No. O). Respon,ents (#in/ De!#t A$$ount 518.' Respon,ents (#in/ De!#t A$$ount =it* Di))erent Dps 56

5 Te,iousness O) Do$u!ent#tion Pro$ess 55

7 Respon,ents Consi,erin/ T*e P#r#!eter =*i%e Se%e$tin/

Dps

5;

; A2#reness O) Responses To2#r,s In,ii,u#% Dps 5&

9 Min!u!


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,o!in#tin/ pu%i$ se$tor #n3s # run )or t*eir !one.


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(DC #n3: un,er 2*o! I 2#s ,oin/ t*e pro+e$t. The objective of the

study is to e!su"e the custoe"#s $eve$ of !%!"e&ess !&d $eve$ of

u&de"st!&di&' to%!"ds (e!t !ccou&t. T*e #n3 nee,s to 3eep # tr#$3 on

*o2 #2#re #re t*e $usto!ers #out t*ere pro,u$ts " seri$es 2*i$* in # 2#

*e%p t*e #n3 to proi,e # etter seri$e to t*e $usto!ers. T*is 3no2%e,/e $#n

e use, t*e #n3 to in$re#se t*ere resu%ts.

T*e stu, 2#s ,es$riptie in n#ture #n, it tries to i,enti) t*e $usto!ers %ee%

o) #2#reness " un,erst#n,in/ #out De!#t #$$ount. A ,es$riptie rese#r$* 2#s

$on,u$te, #n, #%% ,#t# 2ere pri!#r. uestionn#ire: !et*o, 2#s use, to $o%%e$t

pri!#r ,#t#.

INTRO()CTION*

In In,i#: # De!#t #$$ount: t*e #rei#tion )or ,e!#teri#%i@e, #$$ount: is # tpe

o) #n3in/ #$$ount 2*i$* ,e!#teri#%i@es p#per-#se, p*si$#% sto$3 s*#res. T*e

,e!#teri#%i@e, #$$ount is use, to #oi, *o%,in/ p*si$#% s*#res t*e s*#res #re

ou/*t #n, so%, t*rou/* # sto$3 ro3er.


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T*is #$$ount is popu%#r in In,i#. T*e Se$urities #n, EF$*#n/e


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o2ners. Si!i%#r%: t*e ene)i$i#% o2ner 2i%% *#e ri/*t to opt out o) # ,epositor

in respe$t o) #n se$urit #n, $%#i! t*e s*#re $erti)i$#tes #n, /et *is n#!e

sustitute, in t*e re/ister o) !e!ers #s t*e re/istere, o2ner in p%#$e o) t*e

,eposit

CONSTIT)ENTS IN (EPOSITOR+ S+STE,

T*ere #re )our $onstituents in t*is sste!. T*e #re

(e-osito"y

T*e ,epositories #re #n i!port#nt inter!e,i#ries in t*e se$urities !#r3et t*#t is

s$rip-%ess or !oin/ to2#r,s su$* # st#te. In In,i#: t*e Depositories A$t ,e)ines

# ,epositor to !e#n # $o!p#n )or!e, #n, re/istere, un,er t*e Co!p#nies

A$t: 1&57 #n, 2*i$* *#s een /r#nte, # $erti)i$#te o) re/istr#tion un,er su-

se$tion IAB o) se$tion 1' o) t*e Se$urities #n, EF$*#n/e


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A $usto,i#n o) se$urities #pproe, Goern!ent o) In,i#: #n,

A )orei/n )in#n$i#% seri$es institution #pproe, Goern!ent o)

In,i#.

T*e pro!oters o) # ,epositor #re #%so 3no2n #s its sponsors. A ,epositor

$o!p#n !ust *#e # !ini!u! net 2ort* o) Rs. 144 $rore. T*e sponsorsB o)

t*e ,epositor *#e to *o%, #t %e#st 51J o) t*e e0uit $#pit#% o) t*e ,epositor

$o!p#n. P#rti$ip#nts o) t*#t ,epositor: i) #n: $#n *o%, t*e #%#n$e o) t*e

e0uit $#pit#%. (o2eer: no sin/%e p#rti$ip#nt $#n *o%,: #t #n point o) ti!e:

!ore t*#n 5J o) t*e e0uit $#pit#%. No )orei/n entit: in,ii,u#%% or $o%%e$tie% eit*er #s # sponsor or #s # DP: or #s # sponsor #n, DP to/et*er: $#n

*o%, !ore t*#n '4J o) t*e e0uit $#pit#% o) t*e ,epositor.

NS(L !&d C(SL

At present t*ere #re t2o ,epositories in In,i#: N#tion#% Se$urities

Depositor Li!ite, #n, Centr#% Depositor Seri$es %t,.

N!tio&!$ Secu"ities (e-osito"y Liited


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As #t t*e en, o) De$ '445: oer 5444 issuers *#e #,!itte, t*eir se$urities

e0uities: on,s: ,eentures: $o!!er$i#% p#persB: units o) !utu#% )un,s:

$erti)i$#te o) ,eposits et$. into t*e CDSL sste!.

(e-osito"y P!"tici-!&t

A DP is # represent#tie o) se$urities o2ner in t*e ,epositor sste! #n, issi!i%#r to t*e #n3 r#n$*. DP 2i%% !#int#in its $%ients se$urities #$$ount

#%#n$es #n, inti!#te t*e! t*e st#tus o) t*eir *o%,in/s )ro! ti!e to ti!e.A$$or,in/ to SE


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pro$ess 2*i$* p*si$#% $erti)i$#tes o) #n inestors #re $onerte, into #n

e0ui#%ent nu!er o) se$urities in e%e$troni$ )or! #n, $re,ite, into t*e

inestorKs #$$ount 2it* *is>*er ,epositor p#rti$ip#nt.

Ris0s !ssoci!ted %ith -hysic!$ secu"ities !"e*

• De%# in tr#ns)er o) s*#res.

• Possii%it o) )or/er on #rious ,o$u!ents %e#,in/ to #, ,e%ieries:

%e/#% ,isputes et$.

• Possii%it o) t*e)t o) s*#re $erti)i$#tes.

•

Pre#%en$e o) )#3e $erti)i$#tes in !#r3et.• Muti%#tion or %oss o) s*#re $erti)i$#te in tr#nsit

(/!te"i!$i1!tio& P"ocess

In or,er to D-!#teri#%i@e p*si$#% se$urities one *#s to )i%% in # DR D-!#t

Re0uest or!B: 2*i$* is ##i%#%e 2it* t*e DP #n, su!it t*e s#!e #%on/ 2it*

t*e p*si$#% $erti)i$#tes one 2is*es to D-!#teri#%i@e. Sep#r#te DR *#s to e

)i%%e, )or e#$* ISIN nu!er. T*e $o!p%ete pro$ess o) D-!#teri#%i@#tion is

out%ine, e%o2

Ste-s*

C%ient> Inestor su!its t*e DR #n, p*si$#% $erti)i$#tes to DP. DP

$*e$3s 2*et*er t*e se$urities #re ##i%#%e )or D-!#t. C%ient ,e)#$es t*e

$erti)i$#te st#!pin/ Surren,ere, )or D-!#teri#%is#tion. DP pun$*es


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SCOPE OF THE ST)(+*

T*e stu, *e%ps in 3no2in/ t*e %ee% o) #2#reness to2#r,s t*e De!#t

#$$ount #!on/ t*e (DC $usto!ers. T*is in # 2# *e%ps t*e #n3 ine,u$#tin/ t*e $usto!ers #out De!#t #$$ount in (DC #n, its #rious

)e#tures proi,e, in #$$or,#n$e 2it* t*e ot*er ,epositor p#rti$ip#nts.

T*is stu, *e%ps in rin/in/ out #rious p#r#!eters t*#t t*e $usto!ers

$onsi,er 2*i%e se%e$tin/ t*e ,epositor p#rti$ip#nt.

T*is stu, *e%ps in un,erst#n,in/ t*e $usto!er per$eption to2#r,s t*e

#rious #spe$ts re%#tin/ to t*e De!#t #$$ount

OBJECTI4ES OF THE ST)(+5

P"i!"y Objective*

To i,enti) t*e #2#reness #n, un,erst#n,in/ o) De!#t #$$ount #!on/ t*e

(DC


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To i,enti) t*e %ee% o) un,erst#n,in/ #!on/ t*e $usto!ers re/#r,in/ t*e

i!port#n$e o) De!#t #$$ount.

To i,enti) %ee% o) #2#reness re/#r,in/ IPOs i,,in/ #!on/ De!#t

#$$ount *o%,ers.

LI,ITATION OF THE ST)(+*

T*e stu, is %i!ite, on% to


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i. Pri!#r ,#t# 2#s /ener#te, or $o%%e$te, in #n inesti/#tion 2it* t*e *e%p

o) t*e stru$ture, 0uestionn#ire.

ii. Se$on,#r ,#t# 2#s $o%%e$te, )ro! Internet: ourn#%s #n, TeFtoo3s.

iii. P"ob$e A"e!* T*e stu, #i!s in !e#surin/ t*e %ee% o) #2#reness #n,

un,erst#n,in/ #out t*e De!#t #$$ount #!on/ t*e (DC $usto!ers in


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Se$on,#r ,#t# in$%u,es t*e ,#t# $o%%e$tion )ro! $o!p#nies p#st per)or!#n$e:

!#/#@ines #n, internet in)or!#tion.

Too$s !&d tech&i6ues used fo" d!t! co$$ectio&s*

Rese!"ch i&st"ue&t*

Stru$ture, 0uestionn#ire 2it* open en,e, #n, $%ose, en,e, 0uestions.

(!t! co$$ectio& ethod*

T*e ,#t# 2#s $o%%e$te, t*rou/* sure.

,e!su"ee&t tech&i6ue*

uestionn#ire is # )or!u%ise, instru!ent )or #s3in/ t*e in)or!#tion

,ire$t% )ro! t*e respon,ents. Durin/ t*is rese#r$* 0uestionn#ire 2i%% e use, #s

!e#sure!ent te$*ni0ue )or /ettin/ in)or!#tion )ro! respon,ents in t*e


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It is # #si$ unit $ont#inin/ t*e e%e!ents o) popu%#tion to e s#!p%e,. T*e

s#!p%e unit o) t*e stu, in$%u,e, o) (DC $usto!ers.

S!-$i&' ,ethod*

T*ere #re t2o !et*o,s one is t*e pro#i%it #n, t*e ot*er is non pro#i%it

s#!p%e.

Se$ecti&' the S!-$e*

De)inin/ t*e Popu%#tion

E%e!ent (DC


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Rese#r$* ,esi/n is # st#te!ent or spe$i)i$#tion o) pro$e,ures )or $o%%e$tin/ #n,

#n#%@in/ t*e in)or!#tion re0uire, )or t*e so%ution o) so!e spe$i)i$ pro%e!.

T*e rese#r$* is #t t*e er *e#rt o) s$ienti)i$ !et*o,o%o/ H it $#n e use, )or

#ns2erin/ pr#$ti$#% 0uestions or to test t*eoreti$#% propositions or *pot*esis.

Doin/ t*e rese#r$* is #n eFer$ise o) tr#,eo))s.

=*en rese#r$*ers !#3e $*oi$es #out 2*o! t*e 2i%% stu,: 2*ere t*eir

rese#r$* 2i%% e ,one: t*e !et*o,s t*e 2i%% use to $o%%e$t ,#t#: #n, so on. T*e

!ust !#3e so!e $on$essions. Goo, rese#r$* ,esi/ns #re not per)e$t: ut t*e

,o $#re)u%% re)%e$t t*e 0uestions ein/ #,,resse,. T*e rese#r$* ,esi/n )or t*e

stu, 2#s )or!u%#te, on% #)ter i,enti)in/ t*e pro%e! #n, $*oosin/ t*e

su$$ess o) t*e in)or!#tion.


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IN()STR+ PROFILE*

HISTOR+ OF IN(IAN BAN8IN2


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NATIONALISATION OF CO,,ERCIAL BAN8IN2

In t*e *istori$#% retrospe$t o) In,i#n $o!!er$i#% #n3in/: u%: 1&7& 2#s #n

i!port#nt %#n,!#r3. On t*#t ,#: #n or,in#n$e o) t*e presi,ent o) In,i#: 18

!#+or In,i#n S$*e,u%e, $o!!er$i#% #n3s: e#$* *#in/ #//re/#te ,eposits o)

not %ess t*#n Rs. 54 $rores on t*e %#st ri,# o) u% 1&7&: 2ere t#3en oer

t*e Goern!ent o) In,i#. It is to re$#%% t*#t t*e St#te


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PROFITS OF BAN8S

M#in sour$e o) pro)it )or #n3s is t*e interest in$o!e: 2*i$* is )ro! t*e

,i))eren$e et2een t*e interest per$ent#/e o) Deposits #n, Lo#ns. Ot*er sour$es

#re Cre,it #n, Deit $#r,s: ATMs: Mone Tr#ns)ers: et$.

RETAIL BAN8IN2

Ret#i%


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T*e t2o pri!#r eF$*#n/es in In,i# #re t*e


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tr#ns#$tion in p*si$#% !o,e: in $#se o) #, ,e%ier o) se$urities ou: ou*#e t*e responsii%it to re$ti) t*e! or rep%#$e t*e! 2it* /oo, ones.To #))e$t # tr#ns)er in t*e p*si$#% !o,e t*e se$urities s*ou%, e sent to t*e$o!p#n #%on/ 2it* # #%i,: ,u% eFe$ute, #n, st#!pe, tr#ns)er ,ee, ,u%

si/ne, or on e*#%) o) t*e tr#ns)eror se%%erB #n, tr#ns)eree uerB. It isessenti#% to sen, re/istere, post 2it* #$3no2%e,/e!ent ,ue #n, 2#t$* out)or t*e re$eipt o) t*e #$3no2%e,/e!ent $#r,.I) t*e $on)ir!#tion o) re$eipt is not re$eie, 2it*in # re#son#%e perio,: t*e

post#% #ut*orities s*ou%, e i!!e,i#te% #ppro#$*e, )or $on)ir!#tion.So!eti!es: )or our o2n $onenien$e: 2e !# $*oose not to tr#ns)er t*ese$urities i!!e,i#te%. T*is !# )#$i%it#te e#s #n, 0ui$3 se%%in/ o) t*ese$urities. In t*#t $#se $#re s*ou%, e t#3en to see t*#t t*e tr#ns)er ,ee,re!#ins #%i,. (o2eer: in or,er to ##i% t*e $orpor#te ene)its %i3e t*e

,ii,en,s: onus or ri/*ts )ro! t*e $o!p#n: it is essenti#% to /et t*e se$uritiestr#ns)erre, in our n#!e.

On re$eipt o) our re0uest )or tr#ns)er: t*e $o!p#n pro$ee,s to tr#ns)er t*e

se$urities #s per proisions o) t*e %#2. In $#se t*e $#nnot #))e$t t*e tr#ns)er:

t*e $o!p#n returns #$3 t*e se$urities /iin/ ,et#i%s o) t*e /roun,s un,er

2*i$* t*e tr#ns)er $ou%, not e #))e$te,. T*is is 3no2n #s Co!p#n

O+e$tion.

In $#se 2e #re un#%e to /et t*e errors re$ti)ie, or /et t*e! rep%#$e,: 2e !#

*#e to re$ourse to t*e se%%er #n, *is ro3er t*rou/* t*e sto$3 eF$*#n/e to /et

#$3 our !one. So!eti!es se$urities in p*si$#% )or! !# e %ost or

!isp%#$e, t*en 2e !ust i!!e,i#te% re0uest t*e $o!p#n to re$or, # stop

tr#ns)er o) t*e se$urities #n, si!u%t#neous% #pp% )or issue o) ,up%i$#te

se$urities.

or tr#ns#$tions in De!#t !o,e 2e #re re0ueste, to re)er to t*etr#,in/>sett%e!ent in ,epositories se$tion. =*o! to #ppro#$* )or Grie#n$eRe,ress#% T*ere 2i%% e o$$#sions 2*en t*ere #re /rie#n$es #/#inst t*e

$o!p#n in 2*i$* 2e #re st#3e-*o%,ers.Gien e%o2 #re tpes o) /rie#n$es )or 2*i$* 2e $ou%, #ppro#$* SE#%%ot!ent #,i$e: $#n$e%%e,

sto$3 inests.

Non-re$eipt o) ,ii,en,.

S*#res re%#te, i.e. non-re$eipt o) s*#re $erti)i$#tes.

Deenture re%#te, i.e. non-re$eipt o) ,e. $erti)i$#tes: non-re$eipt o)

interest 2#rr#nt.


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Non-re$eipt o) %etter o) o))er )or ri/*ts #n, interest on ,e%#e, p#!ent o)

re)un, or,ers.

Co!p%#ints re%#te, to $o%%e$tie inest!ent s$*e!es.

Co!p%#ints re%#te, to Mutu#% un,s Mutu#% un,s Dept.: SE


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E4OL)TION OF ON/LINE TRA(IN2

T*e *istor o) e-tr#,in/ e/#n in 1&96: 2*en # ,o$tor in Mi$*i/#n p%#$e, t*e

)irst on%ine tr#,e usin/ E TRADE te$*no%o/. =*#t e/#n 2it* # sin/%e $%i$3

oer 17 e#rs #/o *#s no2 t#3en t*e 2or%, stor!. T*e $on$ept 2#s

isu#%i@e, one


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One $#n ,o2n%o#, t*e )or!s or re0uest )or t*e! post or een re0uest )or #

represent#tie o) t*e )ir! to $o!e oer to *e%p ou 2it* t*e )or!. Post-

su!ittin/: ou #re #%%otte, # USER ID #n, PASS=ORD 2*i%e /iin/ ,et#i%s

)or re/istr#tion.

T*en #n A$$ount Re)eren$e Nu!er is /ener#te, #n, ,isp%#e, to ou. T*ese

t*ree t*in/s #re uni0ue to #n in,ii,u#% #n, ensure se$urit o) tr#ns#$tions.

T*e #$$ept#n$e o) t*e #pp%i$#tion is $o!!uni$#te, e!#i%.

T*e On%ine Tr#,in/ is # ,is$ount tr#,in/ seri$e #ppropri#te )or in,ii,u#%s

2*o re0uire )#st eFe$ution: %o2est $o!!issions #n, *#e t*e eFpertise to

!#3e t*eir o2n tr#,in/ ,e$isions 2it*out t*e ,ire$tion o) # )u%% seri$e ro3er.

It /ies ou #n opportunit to %eer#/e our in,epen,en$e to eFe$ute: re$eie

#uto!#ti$ )i%%s: !onitor: #n, !#n#/e our #$$ount on our ti!e. =it* on%ine

or,er-entr sste! t*e inestor $#n tr#ns!it *is>*er or,ers i# t*e Internet

e%e$troni$#%%B: ,ire$t% to t*e Pit or to t*e EF$*#n/e )%oor in re#% ti!e in #s

%itt%e #s '.5 se$on,sB.

In or,er to st#rt tr#,in/ on%ine it is i!port#nt t*#t ou ,eposit !one in our #n3 #$$ount e)ore p%#$in/ # u or,er. In or,er to p%#$e # se%% or,er ou!ust *#e s*#res in our DEMAT A$$ount. In or,er to p%#$e # u or,er ounee, to )un, our #$$ount.You $#n ,o t*is ,epositin/ !one in our #n3 #$$ount or e%se ou $#n se%%so!e s*#res eFistin/ in our De!#t #$$ount #n, use t*e pro$ee,s o) s#%e to)un, our pur$*#se tr#ns#$tion. T*e #!ount o) !one re0uire, e)ore p%#$in/# u or,er 2ou%, ,epen, on t*e #%ue o) or,er #n, t*e tpe o) e-inest#$$ount ou *#e enro%%e, )or - 2*et*er $#s* or !#r/in.

In # M#r/in #$$ount one $#n use # %ine o) $re,it to u !#r/in#%e se$uritiesor )or oer,r#)t prote$tion. Su$* #n #$$ount is opene, #)ter t#3in/ into

$onsi,er#tion Annu#% in$o!e: Net 2ort*: ,es$ription o) our inest!ent

o+e$ties: #s it ino%es %en,in/ # %ine o) $re,it. In # $#s* #$$ount: t*e #!ount

o) se$urities ou/*t *#s to e #$3e, t*e $#s* in t*e #$$ount.

T*en $o!es p%#$in/ t*e or,er. or t*is ou enter our Tr#,in/ p#ss2or, #n,

/o to tr#,e. ro! t*e Tr#,in/ t#: se%e$t Enter Or,er un,er t*e Sto$3s

*e#,in/. Se%e$t # tr#ns#$tion tpe


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nu!er o) s*#res t*#t ou 2#nt to u. At KSto$3 S!o% or N#!esBK: tpe t*e

sto$3 s!o%.

I) ou ,onKt 3no2 t*e s!o%: $%i$3 Kin, S!o%K: tpe t*e $o!p#n n#!e:

$%i$3 KSe#r$*K #n, $%i$3 t*e s!o% t*#t ou 2#nt )ro! t*e %ist. or # !#r3et

or,er: se%e$t KM#r3etK. Ot*er2ise: se%e$t KLi!itK: KStopK or KStop Li!itK #n, enter

t*e pri$e.

KM#r3et Or,erK ou +ust #s3 t*e ro3er to u or se%% our sto$3s #t t*e est

pri$e ##i%#%e. KLi!it Or,erK ou te%% t*e ro3er to tr#,e on% 2*en t*e sto$3

*its # $ert#in pri$e or etter. KStop Or,erK ou te%% t*e ro3er to se%% our s*#res

i) t*e sto$3 ,rops e%o2 # $ert#in pri$e.

Se%e$t eit*er KGoo, )or D#K or KGoo, Unti% C#n$e%e,K. I) ou 2#nt to p%#$e #n

KA%%-or-NoneK or,er: $%i$3 KA%% or NoneK. Tpe our tr#,in/ p#ss2or, #n, $%i$3

KPreie2 Or,erK. I) ou 2#nt to $*#n/e our or,er: $%i$3 KC#n$e%K #n, !#3e

our $*#n/es.

To see i) our or,er *#s een eFe$ute, #n, )i%%e, #s ou eFpe$t: $*e$3 our

#$$ount #%#n$e. T*e KA$$ount


28/91

You $#nnot $*#n/e t*e sto$3 s!o% or t*e tr#ns#$tion tpe


29/91


30/91

So!e DPs #re proi,in/ De!#t seri$es on t*e Net to en#%e $usto!er to

#$$ess t*eir #$$ount #n, /et t*e *o%,in/ #n, tr#ns#$tion st#te!ent on # ,#i%

#sis. or e/ (DC


31/91

• Muti%#tion or %oss o) s*#re $erti)i$#tes in tr#nsit.

T*e p*si$#% )or! o) *o%,in/ #n, tr#,in/ in se$urities #%so #$ts #s # ott%ene$3

)or ro3in/ $o!!unit in $#pit#% !#r3et oper#tions.

T*e intro,u$tion o) NSE #n,


32/91

T*e se$urities on De!#teri#%is#tion #ppe#r #s #%#n$es in inestors ,epositor

#$$ount. T*ese #%#n$es #re tr#ns)er#%e %i3e p*si$#% s*#res. I) #t # %#ter ,#te:

t*e inestor 2is*es to *#e t*ese De!#t se$urities $onerte, #$3 into p#per

$erti)i$#tes: t*e Depositor *e%ps t*e! to ,o t*is.

(e-osito"y )un$tions %i3e # se$urities #n3: 2*ere t*e De!#teri#%ise,

p*si$#% se$urities #re tr#,e, #n, *e%, in $usto,. T*is )#$i%it#tes )#ster: ris3

)ree #n, %o2 $ost sett%e!ent. Depositor is !u$* %i3e # #n3 #n, per)or!s

!#n #$tiities t*#t #re si!i%#r to # #n3. o%%o2in/ t#%e $o!p#res t*e t2o

B!&0

(e-osito"y

(o%,s )un,s in #$$ounts (o%,s se$urities in #$$ount

Tr#ns)ers )un,s et2een #$$ounts Tr#ns)ers se$urities et2een #$$ounts

Tr#ns)ers 2it*out *#n,%in/ !one Tr#ns)ers 2it*out *#n,%in/ se$urities

S#)e3eepin/ o) !one S#)e3eepin/ o) se$urities

N!tio&!$ Secu"ities (e-osito"y Liited ;NS(L<

At present t*ere #re t2o ,epositories in In,i#: N#tion#% Se$urities Depositor

Li!ite, NSDLB #n, Centr#% Depositor Seri$es CDSB.

NSDL is t*e )irst In,i#n ,epositorH it 2#s in#u/ur#te, in Noe!er 1&&7.

NSDL 2#s set up 2it* #n initi#% $#pit#% o) US'9!n: pro!ote, In,ustri#%


33/91

Dee%op!ent


34/91

2it* t*e ,epositor t*rou/* # ,epositor p#rti$ip#nt o) NSDL. A DP $#n e #

#n3: )in#n$i#% institution: # $usto,i#n or # ro3er.

Be&efits Of (e!t

Tr#ns#$tin/ t*e ,epositor 2# *#s seer#% #,#nt#/es oer t*e

tr#,ition#% sste! o) tr#ns#$tin/ usin/ s*#re $erti)i$#tes. So!e o) t*e ene)its

#re

Tr#,in/ in De!#t se/!ent $o!p%ete% e%i!in#tes t*e ris3 o) #,

,e%ieries: 2*i$* in turn e%i!in#tes #%% $ost #n, 2#st#/e o) ti!e

Asso$i#te, 2it* )o%%o2 up )or re$ti)i$#tion. T*is re,u$tion in ris3

#sso$i#te, 2it* #, ,e%ier *#s %e#, to re,u$tion in ro3er#/e to t*e eFtent o)

4.5J 0uite # )e2 ro3er#/e )ir!s. In $#se o) tr#ns)er o) e%e$troni$ s*#res:

ou s#e 4.5J in st#!p ,ut.

T*e inestor $#n #%so #oi, t*e $ost o) $ourier> not#ri@#tion> t*e nee, )or

)urt*er )o%%o2-up 2it* our ro3er )or s*#res returne, )or $o!p#n o+e$tion

In $#se t*e $erti)i$#tes #re %ost in tr#nsit or 2*en t*e s*#re $erti)i$#tes

e$o!e !uti%#te, or !isp%#$e,: to ot#in ,up%i$#te $erti)i$#tes: t*e inestor

!# *#e to spen, #t %e#st Rs 544 )or in,e!nit on,: ne2sp#per #,ertise!ent et$: 2*i$* $#n e $o!p%ete% e%i!in#te, in t*e De!#t )or!

T*e inestor $#n #%so re$eie *is>*er onuses #n, ri/*ts into t*eir

,epositor #$$ount #s # ,ire$t $re,it: t*us e%i!in#tin/ ris3 o) %oss in tr#nsit.

T*e inestor $#n #%so eFpe$t # %o2er interest $*#r/e )or %o#ns t#3en

#/#inst De!#t s*#res #s $o!p#re, to t*e interest )or %o#n #/#inst p*si$#%


35/91

s*#res. T*is $ou%, resu%t in # s#in/ o) #out 4.'5J to 1.5J. So!e #n3s *#e

#%re#, #nnoun$e, t*is.

•

T*e eF$%usie ,e!#t se/!ents )o%%o2 ro%%in/ sett%e!ent $$%e o) T6 i.e. t*e sett%e!ent o) tr#,es 2i%% e on t*e 6 r, 2or3in/ ,# )ro! t*e tr#,e

,#. T*is 2i%% en#%e )#ster turnoer o) sto$3 #n, !ore %i0ui,it 2it* t*e

inestor.

• Re,u$tion in *#n,%in/ o) *u/e o%u!es o) p#per

• Perio,i$ st#tus reports to inestors on t*eir *o%,in/s #n,

tr#ns#$tions: %e#,in/ to etter $ontro%s.

R


36/91

CO,PAN+ PROFILE*

BAC82RO)N( AN( INCEPTION OF CO,PAN+

Housi&' (eve$o-e&t Fi&!&ci!$ Co"-o"!tio& Liited ;H(FC


37/91

*ousin/ )in#n$e institution. It 2#s t*e 1 st Pri#te se$tor #n3 to *#e re$eie, #

%i$ense )ro! t*e Resere #n3 o) In,i# #)ter t*e se$tor 2#s t*ro2n open to ne2

p%#ers. (DC


38/91

port)o%io $oers 2e%% oer # !i%%ion ,2e%%in/ units. (DC *#s ,ee%ope,

si/ni)i$#nt eFpertise in ret#i% !ort/#/e %o#ns to ,i))erent !#r3et se/!ents #n,

#%so *#s # %#r/e $orpor#te $%ient #se )or its *ousin/ re%#te, $re,it )#$i%ities.

=it* its eFperien$e in t*e )in#n$i#% !#r3ets: # stron/ !#r3et reput#tion: %#r/e

s*#re*o%,er #se #n, uni0ue $onsu!er )r#n$*ise: (DC 2#s i,e#%% positione,

to pro!ote # #n3 in t*e In,i#n eniron!ent.

B)SINESS FOC)S

(DCs !ission is to e # 2or%, $%#ss In,i#n


39/91

In # !i%estone tr#ns#$tion in t*e In,i#n #n3in/ in,ustr: Ti!es


40/91

(DC


41/91

PRO()CTS AN( SER4ICES*

Accou&ts ? (e-osits Lo!&s I&veste&ts ? I&su"!&ce

S!vi&'s Accou&t 1. Person#% Lo#ns 1. Mutu#% un,s

1.Re/u%#r S#in/s

A$$ount

'. (o!e Lo#ns '. Insur#n$e

'. S#in/s P%us A$$ount 6. T2o =*ee%er Lo#ns 6. Gener#% " (e#%t*Insur#n$e

6. S#in/s M#F A$$ount 8. C#r %o#ns 8.


42/91

Re!itt#n$es

Pension S#in/


43/91

(E,ATERIALISATION OF SHARES*

Tr#,in/ in t*e s*#res o) t*e Co!p#n is $o!pu%sor in ,e!#teri#%i@e, )or! )or

#%% inestors. T*e Co!p#n *#s: t*ere)ore: en%iste, its s*#res 2it* ot* t*e,epositories: i@: NSDL #n, CDSL. T*is !e#ns t*#t ou *#e no2 *#, t*e

option to *o%, #n, tr#,e in t*e s*#res o) t*e Co!p#n in e%e$troni$ )or!.

=*i%e !ost o) ou !# e )#!i%i#r 2it* *o2 # Depositor )un$tions: /ien

e%o2 is # rie) out%ine: in 0uestion #n, #ns2er )or!#t: 2*i$* 2e *ope 2i%% e

use)u% to ou.

De!#teri#%is#tion De!#t in s*ort )or!B si/ni)ies $onersion o) # s*#re

$erti)i$#te )ro! its p*si$#% )or! to e%e$troni$ )or! )or t*e s#!e nu!er o)

*o%,in/ 2*i$* is $re,ite, to our De!#t #$$ount 2*i$* ou open 2it* #

Depositor P#rti$ip#nt DPB.

De!#teri#%is#tion is # pro$ess 2*i$* t*e p*si$#% s*#re $erti)i$#tes o) #n

inestor #re t#3en #$3 t*e Co!p#n #n, #n e0ui#%ent nu!er o) se$urities

#re $re,ite, in e%e$troni$ )or! #t t*e re0uest o) t*e inestor. An inestor 2i%%

*#e to )irst open #n #$$ount 2it* # Depositor P#rti$ip#nt #n, t*en re0uest )or

t*e ,e!#teri#%is#tion o) *is s*#re $erti)i$#tes t*rou/* t*e Depositor P#rti$ip#nt

so t*#t t*e ,e!#teri#%ise, *o%,in/s $#n e $re,ite, into t*#t #$$ount. T*is is

er si!i%#r to openin/ # s*e *#e to

De!#t t*e s*#res i) *e > s*e 2is* to se%% t*e s#!e t*rou/* t*e Sto$3 EF$*#n/es.

Si!i%#r%: i) #n inestor pur$*#ses s*#res: *e > s*e 2i%% /et ,e%ier o) t*e s*#res

in De!#t )or!.

BENEFITS*


44/91

• E#s #n, spee, eFe$ution o) tr#ns#$tions i@. s#%e: pur$*#se: tr#ns)er:

tr#ns!ission et$.

• No 2orr #out se$urities: $erti)i$#tes ein/ %ost: sto%en or !uti%#te,.

• Genuineness o) t*e se$urities *e%, - no ris3 o) *o%,in/ )#3e $erti)i$#tes.

• Less p#per 2or3 #n, t*e resu%t#nt $ost s#in/: )or ou: our Corpor#tion

#n, t*e $ountr #s # 2*o%e.

• Less $ost )or tr#ns)er - No st#!p ,ut.

• No ris3 o) #, ,e%ier.

• I!!e,i#te #%%ot!ent > $re,it in $#se o) Ri/*t Issues.

Ty-es of Accou&ts*

T*e D-!#t #$$ounts #re $%#ssi)ie, in to ,i))erent tpes #$$or,in/ to t*e $%ients

#s per NSDL ter!ino%o/. T*e #re #s )o%%o2s:

• Or,in#r resi,ent Resi,ent In,ii,u#% A$$ountB

• NRI - rep#tri#%e

• NRI - non-rep#tri#%e

• (U- (in,u Un,ii,e, #!i%

• Ot*ers %i3e $orpor#te

(ATA ANAL+SIS AN( INTERPRETATION*

1. Are ou A2#re o) t*e De!#t #$$ount

T#%e No 1 A2#reness o) De!#t #$$ount No o) responses


45/91

P!"ticu$!"s No of Res-o&ses

YES &4

NO 14

ANALYSIS

Out o) t*e 144 respon,ents t*#t 2ere interie2e,: !ost respon,ents: i.e.: &4J

o) t*e! s#i, t*#t t*e 2ere #2#re o) t*e De!#t #$$ount #n, on% 14J o) t*e

respon,ents 2ere un#2#re o) De!#t #$$ount.

Gr#p* No 1

INTERPRETATION


46/91

ro! t*e #n#%sis it $#n in)erre, t*#t t*e #2#reness o) De!#t #$$ount

#!on/ t*e respon,ents is *i/*. T*is $%e#r% in,i$#tes t*#t t*e !ost o) t*e

respon,ents #re 0uite in)or!e, #out t*e De!#t #$$ount #n, er insi/ni)i$#nt

proportions o) peop%e #re un#2#re o) it.


47/91

'. =*#t 2ere t*e sour$es )ro! 2*i$* ou ot#ine, t*e in)or!#tion #out

,e!#t #$$ount seri$es

o rien,s " Co%%e#/ues

o A,ertise!ent

o


48/91

INTERPRETATION


49/91

T#%e No 6 Top o) t*e Min, A2#reness

(e-osito"y -!"tici-!&ts= B"o0i&' Houses No of "es-o&ses

(DC 65ICICI '5

S(ARE ?(AN '5

RELIANCE MONEY 5

ANALYSIS

ro! t*e #oe $*#rt it is seen t*#t 69JB o) t*e respon,ents re$#%%

(DC 2*en t*e *e#r #out t*e De!#t #$$ount )o%%o2e, ICICI " S*#re

?*#n ot* ein/ '9JB 2it* Re%i#n$e Mone 7JB *#in/ t*e %e#st priorit.

Gr#p* No 6

INTERPRETATION


50/91

Mone *o%,s # er )e2 respon,ents !in, sp#$e.

8.1Do ou *#e # De!#t #$$ount

T#%e No 8.1 Respon,ents *#in/ De!#t #$$ount

P!"ticu$!"s No of Res-o&ses


51/91

YES 58

NO 67

ANALYSIS

T*e #oe t#%e s*o2s t*#t 74JB o) t*e respon,ents suree, #re *#in/ #

De!#t #$$ount #n, 84JB o) t*e respon,ents sti%% ,oesnt *#e t*e De!#t

#$$ount.

Gr#p* No 8.1


52/91

INTERPRETATION

ro! t*e #oe #n#%sis 2e $#n in)er t*#t t*e !#+orit o) t*e $usto!ers

i.e.: 74J o) t*e! #re *#in/ De!#t #$$ount ut t*ere is sti%% so!e potenti#%

!#r3et %e)t #s seen 2it* 84J o) t*e respon,ents sti%% not *#in/ # De!#t

#$$ount.

8.'I) Yes: T*en 2*i$* ,epositor p#rti$ip#nt>


53/91


54/91


55/91

t*e respon,ents s#i, it is not # te,ious pro$ess. 16JB 2ere unsure o) t*e n#ture

o) t*e ,o$u!ent#tion pro$ess re0uire, )or openin/ # De!#t #$$ount.

Gr#p* No 5

INTERPRETATION

ro! t*e #n#%sis it $#n e in)erre, t*#t !#+orit o) t*e respon,ents )ee%

t*#t t*e ,o$u!ent#tion pro$ess 2*i%e openin/ # De!#t #$$ount is er te,ious:

2*ere in so!e o) t*e respon,ents )ee% t*#t t*e ,o$u!ent#tion pro$ess is not so

te,ious.


56/91

7.=*#t p#r#!eters 2ou%, ou $onsi,er 2*i%e se%e$tin/ # ,epositor

p#rti$ip#nt>


57/91

Gr#p* No 7

INTERPRETATION

T*e #n#%sis in)ers t*#t Seri$e is t*e p#r#!eter 2*i$* *#s t*e top !ost

priorit 2*i%e se%e$tin/ # Depositor P#rti$ip#nt >


58/91

;.=*i$* o) t*ese ,epositor p#rti$ip#nt>


59/91


60/91

(ouses. Ver )e2 respon,ents #re #2#re o) ?ot#3 M#*in,r# #n, Citi


61/91

19 o) t*e! )ee% (DC $*#r/es t*e !ini!u! ro3er#/e $*#r/e. 7 o) t*e

respon,ents )ee% t*#t ot*er ,epositor p#rti$ip#nt ro3er#/e $*#r/es #re %ess

t*#n t*ese #oe.

Gr#p* No 9

INTERPRETATION

A$$or,in/ to t*e #oe t#%e ICICI *o%,s t*e ,istin$tion )or proi,in/ t*e

!ini!u! ro3er#/e $*#r/e #!on/ t*e /ien Depositor P#rti$ip#nt>


62/91

&.Do ou tr#,e on%ine

T#%e No & Respon,ents Tr#,in/ On%ine

No. Of Res-o&ses

YES 76

NO ';

ANALYSIS

ro! t*e #oe t#%e it is osere, t*#t !#+orit o) t*e respon,ents i.e.

;4J o) t*e! tr#,e on%ine: 2*ere #s 64J o) t*e respon,ents ,o not tr#,e on%ine.


63/91

Gr#p* No &

INTERPRETATION

ro! t*e #oe #n#%sis it is ei,ent t*#t # si/ni)i$#nt nu!er o) respon,ents #re te$* s# #n, use internet )or tr#,in/. As 2e $#n see t*#t t*ere

*#s een # p#r#,i/! s*i)t in tr#,in/ pr#$ti$es.


64/91

14.(o2 s#)e ,o ou )ee% on%ine tr#,in/ is

T#%e No 14 S#)et Tr#,in/ On%ine

P!"ticu$!"s No. Of Res-o&ses

Tot#%% s#)e 6'

S#)et Tr#,in/ On%ine 86

Niet*er s#)e nor uns#)e ''

Uns#)e 6

Tot#%% uns#)e 4

ANALYSIS

Responses on t*e s#)et o) on%ine tr#,in/ s*o2 t*e #oe tren,.6'

respon,ents )e%t t*#t on%ine tr#,in/ is tot#%% s#)e: 86 respon,ents )e%t t*#t

tr#,in/ on%ine is s#)e:'' respon,ents )e%t its neit*er s#)e nor uns#)e: 6

respon,ents )e%t its uns#)e to tr#,e on%ine.


65/91

Gr#p* No 14

INTERPRETATION


66/91

11.(o2 !#n o) t*ese De!#t #$$ounts #re ou #2#re o)

T#%e NO11H A2#reness o) tpes o) De!#t #$$ount o) respon,ents

Ty-es Of Accou&t No. of Res-o&ses

Resi,ent In,ii,u#% A$$ount 78

(in,u Un,ii,e, #!i% (UB A$$ount '6

Non Resi,ent In,i#n A$$ount '9

ANALYSIS


67/91

2"!-h &o. >>5

A7ARENESS OF T+PES OF (E,AT ACCO)NT

INTERPRETATION

ro! t*e #oe #n#%sis it $#n e in)erre, t*#t t*e #2#reness #out t*e

Resi,ent In,ii,u#% A$$ount is !ore $o!p#re, to ot*er #$$ounts.


68/91

1'.Do ou 3no2 t*#t inestin/ in s*#res *e%ps in t#F re,u$tion

T#%e No 1' Inestin/ in S*#res

P!"ticu$!"s No. Of Res-o&ses

Yes 87

No 19

Dont ?no2 '7

ANALYSIS

ro! t*e #oe t#%e it $#n e osere, t*#t 51JB respon,ents e%iee

t*#t inestin/ in s*#res *e%ps in t#F re,u$tion 2*i%e '4JB )ee% t*#t inestin/ in

s*#res ,oesnt *e%p in t#F re,u$tion. '&JB respon,ents #re un#2#re o) it.


69/91

Gr#p* no - 1'

INTERPRETATION

ro! t*e #n#%sis 2e $#n in)er t*#t !#+orit o) t*e respon,ents #re #2#re

t*#t: inestin/ in s*#res *e%ps in t#F re,u$tion. =*ere $onsi,er#% !ost o) t*e

respon,ents ,ont 3no2 t*#t inestin/ in s*#res *e%ps in t#F re,u$tion.


70/91

16.R#n3 t*e )o%%o2in/ Depositor P#rti$ip#nts >


71/91

INTERPRETATION

ro! t*e #n#%sis it $#n e in)erre, t*#t #!on/st t*e seen ,epositor

p#rti$ip#nt: S*#re ?*#n is t*e !ost pre)erre, Depositor P#rti$ip#nt )o%%o2e,

(DC: ICICI: In,i# In)o%ine: In,i#


72/91

T#%e No 18 Inestor De!#teri#%i@in/ Se$urities

P!"ticu$!"s No. of Res-o&ses

Stron/% A/ree '8

A/ree 5' Neit*er A/ree Nor Dis#/ree 14

Dis#/ree 8

Stron/% Dis#/ree 4

ANALYSIS

ro! t*e #oe t#%e it $#n e osere, t*#t '7JB o) t*e respon,ents

stron/% #/ree to st#te!ents !entione,: 5;JB #/ree to it: 11JB o) t*e! neit*er

#/ree nor ,is#/ree #n, on% 8JB o) t*e respon,ents ,is#/ree.

Gr#p* No 18


73/91

INTERPRETATION

It is seen t*#t !#+orit o) t*e respon,ents #/ree to st#te!ents 2*i$*

!e#ns t*#t t*e #%% *#e # $%e#r 3no2%e,/e #out De!#teri#%i@#tion #n, its ene)its. =*ere er %ess nu!er o) respon,ents ,is#/ree to it e$#use o) t*e

%#$3 o) 3no2%e,/e #out De!#t #$$ount.

15.Are ou #2#re o) t*e $urrent i,,in/ !e$*#nis! o) IPOst*#t is oo3

ui%,in/B

YES NO

T#%e no. 15H A2#reness o) IPO i,,in/ o) responses

Opinion No. o) Responses

Yes &4

No 44

ANALYSISH

ro! t*e t#%e $%e#r% s*o2n 144J #re #2#re 2it* $urrent :4J#re not #2#re

2it* $urrent i,,in/.


74/91

Gr#p* no - 15

INTERPRETATION

It $%e#r% s*o2n t*#t 2*o *#e ,e!#t #$$ount #%!ost #2#re 2it* IPO i,,in/

17 I) YES: )ro! 2*ere ,i, ou $o!e to 3no2 #out IPO i,,in/

A,ertise!ent

rien,s


75/91


76/91

INTERPRETATIONH

ro! #n#%sis 2e interpet#te t*#t !#+orit o) peop%e $o!e to 3no2 #out

IPO i,,in/ )ro! t*e #,ertise!ent: t*en neFt to ro3ers #n, DPs

1;. (#e ou ineste, in IPOsYES NO

T#%e no.1;H Inestin/ in IPOs

Opinion No o) Responses

Yes 7'

No '9

ANALYSISH


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ro! t*e #oe t#%e #!on/ &4 De!#t #$$ount *o%,ers:7' De!#t #$$ount

*o%,ers #re inest in IPOs:'9 De!#t #$$ount *o%,ers #re not inest in IPOs

2RAPH NO >5IN4ESTIN2 IN IPOs


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INTERPRETATIONH

It is seen t*#t !#+orit o) ,e!#t #$$ount *o%,ers intereste, in inestin/ in IPOs

i,,in/

19.=*#t #re t*e #ses ou $onsi,er 2*i%e i,,in/ in IPOs #n, inestin/ in it

In,ustr out%oo3

Co!p#n #$3/roun, #n, e#rnin/s

Pro+e$t pro)i%e

P.E r#tios o) t*e si!i%#r $o!p#n

A,i$e )ro! t*e ro3er>)rien,s>DPs

A%% o) t*e #oe

T#%e no 19HRespon,ents $onsi,erin/ t*e )#$tor 2*i%e i,,in/ in IPO

Consi,er#tions No o) Responses

In,ustr out%oo3 15

Co!p#n #$3/roun," e#rnin/s 17

Pro+e$t pro)i%e 1'

P E r#tios 49

A,i$e )ro! ro3er 4&

A%% o) t*e #oe 64

ANALYSIS


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A$$or,in/ to sure:#!on/ &4 respon,ent e)ore inestin/ IPOs i,,in/

15inestors #re $onsi,er in,ustri#% out%oo3:17 respon,ents #re $onsi,er

$o!p#n #$3/roun," e#rnin/s:1' respon,ents #re $onsi,er pro+e$t

pro)i%e:9respon,ents #re $onsi,er PE r#tios:&respon,ents #re inest t#3in/

#,i$e )ro! t*e ro3er #n, 64 respon,ents #re $onsi,er #%% )#$tors 2*i$*

!entione, #oe

2"!-h &o >5

RESPO(ENTS CONSI(ERIN2 THE FACTORS 7HILE IPOs BI((IN2

INTERPRETATIONH

ro! t*e #n#%sis 2e $#n inter)ere t*#t !#+orit o) t*e respon,ents #re

e)ore inestin/ IPO i,,in/ t*e $onsi,er #%% )#$tors 2*i$* proi,e s#)et )or

t*e! inest!ent .


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1&.Do ou inest in IPO een t*ou/* it is #//ressie% pri$e,.

YES NO

T#%e no 1&HNo.o) respon,ents inestin/ in IPO in #//ressie pri$e

Opinion No o) responses

Yes 15

No ;5

ANALYSISH

A$$or,in/ to sure:15respon,ents #re re#, to inest 2it* #//ressie

pri$e o) IPO #n, ;5 respon,ents #re not re#,


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2RAPH NO >D5

NO .OF RESPON(ENTS IN4ESTIN2 IN IPO IN A22RESSI4E PRICE

INTERPRETATIONH

ro! #n#%sis 2e $#n inter)ere t*#t: !ore no o) respon,ents #re not

inestin/ 2it* #//ressie pri$e o) IPO.


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S),,AR+ OF FIN(IN2S*

Out o) t*e 144 respon,ents t*#t 2ere interie2e,: !ost respon,ents:

i.e. &4J o) t*e! s#i, t*#t t*e 2ere #2#re o) t*e De!#t #$$ount #n, on% 14Jo) t*e respon,ents 2ere un#2#re o) De!#t #$$ount.

Out o) &4 respon,ents i.e.: 8' o) t*e! /ot t*e in)or!#tion t*rou/* t*eir

rien,s " Co%%e#/ues #n, 64 o) t*e respon,ents /ot in)or!#tion #out De!#t

#$$ount t*rou/* #rious


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2*ere in so!e o) t*e respon,ents i.e.:6;JB )e%t t*#t it 2#s not # te,ious

pro$ess.

A$$or,in/ to t*e sure it is )oun, t*#t seri$e is t*e p#r#!eter 2*i$**#s t*e top !ost priorit 2*i%e se%e$tin/ # Depositor P#rti$ip#nt >


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85/91

!ore t*#n 9 %#3* #$$ounts t*rou/* out In,i# *#s !#,e $o!p#n #$0uire /re#t

proportion o) !#r3et. Moin/ to2#r,s t*e $usto!er: t*e #n3 o))ers to,#: #

#st r#n/e o) seri$es: ,esi/ne, to suit: t*e nee,s o) t*e $usto!ers.

A!on/ t*e $usto!ers #s t*e %ee% o) #2#reness #s 2e%% #s %ee% o)

un,erst#n,in/ is *i/* 2*i$* !#3es t*e #n3 to e!p*#sise !ore on t*e

pro!otion#% str#te/ies #n, proi,in/ # /oo, seri$e.

As t*e #n3s *#e st#rte, proi,in/ De!#t seri$es: #%% t*e #n3s #re )#$in/

sti)) $o!petition et2een t*e!. Oer#%% t*e #n3 per)or!#n$e ,epen,s upon t*e

seri$e proi,e, t*e #n3 to its $usto!ers. To sust#in t*e No.1 position in

t*e !#r3et: (DC #n3 !ust eF$e% in t*e seri$e to its $usto!ers #n, #ttr#$t

t*e! 2it* si/ni)i$#nt ro3in/ $*#r/es #n, #%so 2it* uni0ue pro,u$ts #n,

seri$es. T*e !ost i!port#nt #n, $*#%%en/in/ t#s3 )or t*e (DC


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o


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1.Are ou #2#re o) De!#t A$$ount

Yes No

'.=*#t 2ere t*e sour$es )ro! 2*i$* ou ot#ine, in)or!#tion #out ,e!#t#$$ount seri$es

o rien,s " $o%%e#/ues

o A,ertise!ent

o


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7.=*#t p#r#!eters ou $onsi,er 2*i%e se%e$tin/ # ,epositor p#rti$ip#nt >


89/91


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Stron/%#/ree

5

A/ree

8

Neit*erA/ree Nor Dis#/ree

6

Dis#/ree

'

Stron/%Dis#/ree1

15.Are ou #2#re o) t*e $urrent i,,in/ !e$*#nis! o) IPOst*#t is oo3

ui%,in/B

YES NO

17. I YES: )ro! 2*ere ,i, ou $o!e to 3no2 #out IPO i,,in/

A,ertise!ent )rien,s>DPs

A%% o) t*e #oe

1&.Do ou inest in IPO een t*ou/* it is #//ressie% pri$e,.

YES NO

N#!e WWWWWWWWWWWWWWWWWWW


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A/e WWWWWWWWWWWW...............................

Cont#$t Nu!er WWWWWWWWWWWWWW...

T(AN?

YOU

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