SIP Project on Karvy

8/17/2019 SIP Project on Karvy

1/42

KARVY STOCK BROKINGLTD

GEN Society’s

GLOBAL BUSINESS SCHOOL, HUBLI

( Approved by AICTE & Afliated to Karnataka University )

Project Report On

“A STUDY ON FACTORS AFFECTING CHOICE OF INVESTORS WITH RESPECT TO

SELLECTION OF SYSTEMATIC INVESTMENT PLAN V/S RECURRING DEPOSIT SCHEMES IN

BIJAPUR CITY”

IN

“KARVY STOCK BROKING LIMITED, BIJAPUR”

A Report Submitted In Partial Fulfillment of the Award For the Degree

MASTER DEGREE IN BUSINESS ADMINISTRATION

201!201"

S#$%&''() B*+

M- GURAPPA S ATHANI

REG- NO MBA100.022

MBA IISEM

INSTITUTE GUIDE+ COMPANY GUIDE+

PROF- MAHESH BENDIGERI M- SAYED MEHBOOB UDARI

Faculty OF GBS (BRANCH MANAGER) OF

(FINANCE) KARVY STOCK BROKING LTD,BIJAPR

Submitted in partial fulfillment of the requirement for

MBA D((( C#( 3 KARNATAK UNIVERSITY, DHARWAD

GLOBAL BUSINESS SCHOOL HUBLI -25 Page 1


2/42


GLOBAL BUSINESS SCHOOL,

HUBLI

Afi!te" to #!rn!t!$ Uni%ersity &'!r!", Appro%e" y

AIC*E Ne &e'i

CERTIFICATE

This is t !e"ti#$ that the S%&&e" I'()a't P"*e!t 2+15

e'tit)e, +A S*U& ON -AC*ORS A--EC*ING CHOICE O- IN.ES*ORS /I*H

RESPEC* *O SELLEC*ION O- SS*E0A*IC IN.ES*0EN* PLAN .1S RECURRING

&EPOSI* SCHE0ES IN BI2APUR CI*3 is the 'a.,e "e!", #

"esea"!h /"0 ,'e $ 0r4GURAPPA4S4A*HANI US No:

MBA1!!"!## %',e" &$ s%(e"isi' s%&itte, t Ka"'ata0

U'ie"sit$ Dha"/a, #" the (a"tia) #%).))&e't #" the a/a", #

the Deg"ee # 0!ster o5 B6siness A"7inistr!tion a', that

the ("*e!t has 't ("ei%s)$ #"&e, the asis #" the a/a", #

a'$ ,eg"ee ,i()&a Ass!iateshi( 3e))/shi( " tit)e4

Plac!" Hu#l$ P%&' Ma!* B!+$-!%$



3/42


Date

Instit6tion G6i"e

D(4566'&7

I,M%GURAPPA S ATHANI !%!#y !cla%! tat t! P%&.!ct !+t$tl! “A STUDY

ON FACTORS AFFECTING CHOICE OF INVESTORS WITH RESPECT TO

SELLECTION OF SYSTEMATIC INVESTMENT PLAN V/S RECURRING

DEPOSIT SCHEMES IN BIJAPUR CITY” 8KARVY STOCK BROKING LTD9

*u#/$tt! #y /! $+ 0a%t$al 'ul'$ll/!+t &' t! %!1u$%!/!+t '&% t! a2a% &' t!

!-%!! “M6'( 3 B#&7( A)%&7&'6'&7” #y Ka%+ata3 +$4!%*$ty,

Da%2a, $* /y &%$-$+al 2&%3 a+ $* +&t *u#/$tt! !l*!2!%! '&% t! a2a% &'

a+y &t!% !-%!! &% $0l&/a

Dat!" Gu%a00a S Ata+$

Plac!" Hu#l$ MBA IIS!/



4/42


AC#NO/LE&GE0EN*

N& 2&%3 $* *a$ t& #! c&/0l!t! 2$t&ut ta+3$+- t! 0!&0l! 2& a4! !l0!

/! $+ /a3$+- t$* 0%&.!ct *ucc!**'ul S& t$* ac3+&2l!-!/!+t $* '&% t&*! 2&

a4! 0lay! t!$% %&l! $+ c&/0l!t$&+ &' t$* 0%&.!ct T! 0%&.!ct 2&ul +&t a4!

#!!+ c&/0l!t! 2$t&ut t! 3$+ c&5&0!%at$&+, a**$*ta+c! 6 -u$a+c! &' t!*!

$+$4$ual*

At &ut*!t I 2&ul l$3! t& ac3+&2l!-! /y *$+c!%! -%at$tu! 6 ta+3* t& &u%

c&/0a+y -u$! M- S6*() M #)6& '&% -%at$+- /! t! 0!%/$**$&+ t& 2&%3 $+

t!$% !*t$/at! &%-a+$7at$&+ 6 '&% $* c&+*ta+t *u00&%t 6 -u$a+c!, 2$c 2a*

a+ $+*0$%$+- 'act&% t&2a%* *ucc!**'ul c&/0l!t$&+ &' /y 0%&.!ct

I !80%!** /y $//!+*! -%at$tu! t&2a%* D- U)6* 5:6'( 8D&(4'9, GBS '&%

#!$+- /&%! *u00&%t$4! $+ t! acc&/0l$*/!+t &' /y 0%&.!ct

I !80%!** /y !a%t'!lt -%at$tu! t&2a%* /y $+t!%+al -u$! P3- M6;(;B(7)&(& '&% $* c&+t$+u&u* *u00&%t, -u$a+c!, a**$*ta+c! t%&u- t! 0%&.!ct

9$t&ut 2&/ t! 0%&.!ct 2&ul +!4!% a4! #!!+ c&/0l!t! *ucc!**'ully My

*$+c!%! -%at$tu! t& &u% 0lac!/!+t

F$+ally I ta+3 /y /&*t #!l&4! 0a%!+t* 6 #%&t!% 2& a4! #!!+ al2ay* a

/&%al *u00&%t '&% #&&*t$+- c&+'$!+c!



5/42


*ABLE O- CON*EN*SSLNO Contents PAGE NO

8 E9ec6ti%e s677!ry 8:;

< &esi=n o5 t'e st6"y >:?

; Rese!rc' 0et'o"oo=y @:@

> -in"in=s S6==estions :

? Co7p!ny proDe :88

@&!t! An!ysis Interpret!tion 8


6/42


E


7/42


INTRODUCTION+

T! 0%&.!ct t$tl! $* ?@ at

Hy!%a#a T! c&/0a+y 2a+t* t& 3+&2 2!%! 0!&0l! t& $+4!*t t!$% !a%+$+-*

a+ *!l!ct$&+ &' *y*t!/at$c I+4!*t/!+t Pla+ V:S R!cu%%$+- D!0&*$t Sc!/!*

T$* *tuy 2$ll !l0 t! c&/0a+y t& u+!%*ta+ $+$4$ual $+4!*t/!+t #!a4$&%

a+ t! 0a%a/!t!%* t!y l&&3 $+ 2$l! $+4!*t$+- $+ SIP 6 RD Sc!/!*



8/42


INTRODUCTION OF SYSTEMATIC INVESTMENT PLAN+

SIP $* a+ $+4!*t/!+t c&+c!0t &''!%! #y Mutual Fu+* t& $+4!*t %!-ula%ly

SIP al*& &''!%* t! 'l!8$#$l$ty &' c&&*$+- t! $+4!*t/!+t a/&u+t, at! a+ 0!%$&

a* 0!% &+!* %!1u$%!/!+t

SIP #!$+- a %!-ula%: P!%$&$c $+4!*t/!+t 2&%3* &+ t! C&/0&u+$+- a+

Ru0!! c&*t A4!%a-$+- 2$c %!+!%* $t t! a#$l$ty t& !l$4!% $-!% %!tu%+* $+ a

L&+- t!%/ T$* ca+ #! u*! a* a+ a0t a+ $/0&%ta+t %!t$%!/!+t 0la++$+-$+*t%u/!+t

It $* #!!+ $*cu**! /a+y t$/!* a+ 2! #!l$!4! /&*t u+!%*ta+ &2 SIP

(Sy*t!/at$c I+4!*t/!+t Pla+) 2&%3* H&2!4!%, t! c&+c!0t a+ %!l!4a+c! &' SIP

*t$ll /a3!* $t a -&& %!a SIP $* a+ !8c!ll!+t $+4!*t/!+t t&&l t& 0la+ /&+!y '&%

c!%ta$+ -&al* &% a* %!t$%!/!+t 0la++$+- 2$t&ut #!$+- t&& !a4y &+ t! 0&c3!t* &'

t! $+4!*t&%

T;( 474(=' 3 SIP (>5>( 6#7) ': >(* $6&4 $#' (33(4'&>( =&74&=5(+

> R#=(( C' A>(6&7" S$+c! t! $+4!*t/!+t $* *ta--!%! a+ *0%!a ac%&**

t! !+t$%! $+4!*t/!+t t!+u%! at %!-ula% $+t!%4al*, t! c&*t &' 0u%ca*! &' /utual

'u+ u+$t* $* a4!%a-! I+ t! !+t$%! $+4!*t/!+t &%$7&+, t! /a%3!t* /ay -& u0

&2+ *!4!%al t$/!*, a+ $+4!*t&% #uy* at all l!4!l* tu* t! +!t $+4!*t/!+t c&*t $*

a4!%a-! &' all t! 0u%ca*!*

P:( 3 C%=#7)&7" T! 0&2!% &' c&/0&u+$+- $* u+l!a*! (4$*$#l!) $+

ca*! &' l&+- t!%/ $+4!*t/!+t a+ tu* $t $* $/0&%ta+t '&% &+! t& *ta%t !a%ly T!

*&&+!% &+! *ta%t*, t! $-!% t! a/&u+t &+! ca+ -!t

GLOBAL BUSINESS SCHOOL HUBLI -25 Page :


9/42


DESIGN OF THE STUDY

T&'5( 3 ';( =?(4'+

(

19 T& 3+&2 t! 'act&%* a''!ct$+- c&$c! &' $+4!*t/!+t *c!/!*

29 T& 3+&2 t! l!4!l &' a2a%!+!** 2$t %!*0!ct$4! t& SIP a+ RD *c!/!*

@9 T& 3+&2 t! !8t!+t t& u+!%*ta+$+- &+ $''!%!+t '!atu%!* &' SIP MF 0la+ a+

RD 0la+

9 T& 3+&2 t! %!a*&+ '&% $+4!*t$+- $+ SIP a+ R!cu%%$+- D!0&*$t *c!/!*

"9 T& 3+&2 t! 0%!'!%%! c&$c!* &' $+4!*t/!+t

9 T& 3+&2 t! 0!%c!+ta-! &' *a4$+- &+ /&+tly #a*$*

GLOBAL BUSINESS SCHOOL HUBLI -25 Page ;


10/42


S4=( 3 ';( '#)*+

>) T! *tuy 2$ll !l0 t! c&/0a+y t& u+!%*ta+ t! #!a4$&% &' $+$4$ual 2$l!

$+4!*t$+- $+ Sy*t!/at$c I+4!*t/!+t Pla+ 6 R!cu%%$+- D!0&*$t Sc!/!*

) T! *tuy 2$ll !l0 t! c&/0a+y t& 3+&2 t! !80!ctat$&+ &' $+$4$ual '%&/

t!$% $+4!*t/!+t $+ Sy*t!/at$c I+4!*t/!+t Pla+ 6 R!cu%%$+- D!0&*$t Sc!/!*

) T! *tuy 2$ll !l0 t! c&/0a+y t& /a3! *t%at!-$!* t& $/0%&4! t!$% *!%4$c!* t&

/!!t t!$% $+4!*t&%* !80!ctat$&+*) T! *c&0! &' t! *tuy $* %!*t%$ct! &+ly t& B$.a0u% c$ty

LIMITATIONS OF THE STUDY+

>) T$/! $* &+ly l$/$t!

) It $* +&t a+ !8act *c$!+c!, *& 2! ca++&t !80!ct > %!*ult*, *& &+ly .u*t$'$!

*&lut$&+* a%! -$4!+

GLOBAL BUSINESS SCHOOL HUBLI -25Page 1+


11/42


RESEARCH METHODOLOGY

D6'6 S#4(+

P&%6* )6'6+ P%$/a%y ata 2a* c&ll!ct! #y 1u!*t$&++a$%! It $* *y*t!/at$c

c&ll!ct$&+ &' $+'&%/at$&+ $%!ctly '%&/ t! %!*0&+!+t* T! #a*$c 0u%0&*! &'

c&ll!ct$+- 0%$/a%y ata $* t& 3+&2 t! $+4!*t/!+t 0%!'!%!+c!* 2$l! $+4!*t$+-

S(47)6* )6'6+ S!c&+a%y ata* a%! c&ll!ct! '%&/ Ka%4y St&c3 B%&3$+-

9!#*$t!, Ka%4y St&c3 B%&3$+- +!2* 0a0!%*

S6%=5&7+

Sa/0l$+- *$7! " ?c&+4!+$!+t *a/0l!*

A%!a &' %!*!a%c " B$.a0u% c$ty

R!*!a%c a00%&ac " Su%4!y /!t&

R!*!a%c I+*t%u/!+t" ;u!*t$&++a$%!

T$/! " t &' May t& t Ju+! >

GLOBAL BUSINESS SCHOOL HUBLI -25Page 11


12/42


FINDINGS

19 &' t! %!*0&+!+t* 2!%! #!t2!!+ t! a-!* &' 5y!a%*

29 @ &' t! %!*0&+!+t* 2!%! 2&%3$+-, &' t! %!*0&+!+t* 2!%! *!l'

!/0l&y! a+ &' t! %!*0&+!+t* 2!%! %!t$%!

@9 @ &' t! %!*0&+!+t* 2!%! +/a%%$!, &' t! %!*0&+!+t* 2!%! /a%%$!,

&' t! %!*0&+!+t* 2!%! D$4&%c! a+ > &' t! %!*0&+!+t* 2!%!

9$+&2!

9 @ &' t! %!*0&+!+t* 2!%! Mal! a+ &+ly &' t! %!*0&+!+t* 2!%!

F!/al!"9 > &' t! %!*0&+!+t* 2!%! #!t2!!+ t! a++ual $+c&/! &' R* 5

a+ &' t! %!*0&+!+t* 2!%! #!t2!!+ t! a++ual $+c&/!* &' R* 5

9 @ &' %!*0&+!+t* /&+tly *a4$+- %a+-!* '%&/ >5

.9 &' %!*0&+!+t* 0%!'!% t& $+4!*t $+ F$8! D!0&*$t

9 &' %!*0&+!+t* c&+*$!% *a'!ty a* t&0 /&*t $/0&%ta+t 'act&% '&% $+4!*t$+- $+

-$4!+ $+4!*t/!+t &0t$&+

9 &' %!*0&+!+t* a%! 0a%t$ally a2a%! &' SIP Mutual 'u+ Sc!/!* a+ >

&' %!*0&+!+t* a%! +&t a2a%! &' SIP Mutual 'u+ Sc!/!*109 @ &' t! %!*0&+!+t* a%! a2a%! &' RD *c!/!* $+ Ba+3*:P&*t &''$c!

119 ? &' %!*0&+!+t* c&&*! t& $+4!*t $+ RD Sc!/! $+ Ba+3:P&*t &''$c! a+

&+ly > &' t!/ *!l!ct! Sy*t!/at$c I+4!*t/!+t Pla+ $+ Mutual Fu+ '&%

$+4!*t/!+t

129 &' %!*0&+!+t* '!!l tat t!%! $* $''!%!+c! a/&+- t2& $+4!*t/!+t*

*u--!*t! a+ @ '!!l t!%! $* +& $''!%!+c! #!t2!!+ t! *c!/!*

1@9 > &' %!*0&+!+t a-%!! tat $+4!*t/!+t $+ SIP $* %$*3y a+ > &' 0!&0l! '!!l

tat c&/0a%! t& R!cu%%$+- D!0&*$t SIP -$4!* $-!% %at! &' %!tu%+

19 > &' %!*0&+!+t* a-%!! tat $+4!*t/!+t $* RD *c!/! $* *a'!, %at! &' %!tu%+ $*

'$8!, a+ /$+$/u/ a/&u+t t& &0!+ acc&u+t $* R* > a+ 0ay/!+t ca+ #!

/a! t%&u- ca*, c!1u! &% aut& !#$t

1"9 &' t! %!*0&+!+t* a4! $+4!*t! $+ RD '&% a 0!%$& &' y!a%*

19 &' t!/ *a$ t! %!a*&+ '&% $+4!*t/!+t $+ SIP $* t& ac$!4! *&%t t!%/

'$+a+c$al -&al a+ *a$ t& ta3! a4a+ta-! &' $+c&/! ta8 #!+!'$t

1.9 &' %!*0&+!+t *a$ t! %!a*&+ '&% $+4!*t/!+t $+ RD $* t& ac$!4! *&%t t!%/

'$+a+c$al -&al a+ > t& 0ay a++ual $+*u%a+c! 0%!/$u/



13/42


SUGGESTION

19 S$+c! t!%! $* +& *t%&+- %!lat$&+ #!t2!!+ all t! 'act&%* 6 &4!%all

*at$*'act$&+ C&/0a+y a* t& 0%&4$! *!%4$c! %!-a%$+- -$4$+- a4$c! 6

c&+uct$+- *!/$+a% &+ SIP 6 RD Sc!/!* '&% t! $+4!*t&%* 2& 2a+t t&

$+ SIP 6 RD

29 A* t!%! $* +& %!lat$&+ #!t2!!+ a-!, a++ual $+c&/! 6 $+4!*t/!+t

0%!'!%!+c! C&/0a+y ca+ $+t%&uc! +!2 *c!/!* '&% all t! a-! -%&u0* 6

t& $''!%!+t $+c&/! 0!&0l!

@9 T!%! $* %!lat$&+ #!t2!!+ &ccu0at$&+ a+ *a4$+-* &' %!*0&+!+t*

c&/0a+y a* t& $+t%&uc! +!2 *c!/!* '&% all cla** &' 0!&0l!

9 A* t!%! $* %!lat$&+ #!t2!!+ !80!ct! %at! &' %!tu%+ 6 0!%$& &'

$+4!*t/!+t t! c&/0a+y a* t& $+t%&uc! /&%! *c!/!* 2$t l$/$t!

0!%$& 6 -&& %at! &' %!tu%+

"9 T!%! $* %!lat$&+ #!t2!!+ a++ual $+c&/! a+ 0!%$& &' $+4!*t/!+t, *&

c&/0a+y *&ul ta%-!t t! $+c&/! -%&u0 #!t2!!+ la3* t& >la3*

9 I+4!*t&%* a%! !80!ct$+- -&& *!%4$c! '%&/ t! #%&3!%a-! c&/0a+y, *&

c&/0a+y a* t& *u--!*t a+ a4$c! t!/ $+ /a3$+- $+4!*t/!+t !c$*$&+



14/42


COMPANY PROFILE

O67&6'&7 P3&5(+

T! KARVY -%&u0 2a* '&%/! $+ >?@ at Hy!%a#a, I+$a Ka%4y %a+3*

a/&+- t! t&0 0lay!% $+ al/&*t all t! '$!l $t &0!%at!* Ka%4y c&/0ut!%* *a%!*

LTD $* I+$a* la%-!*t R!-$*t!% a+ T%a+*'!% A-!+t 2$t a cl$!+t #a*! &' +!a%ly

#lu! c$0* c&%0&%at! /a+a-$+- &4!% c&%! acc&u+t* Ka%4y St&c3 B%&3$+-

Lt, /!/#!% &' Nat$&+al St&c3 E8ca+-! &' I+$a 9$t &4!% ,, act$4!

acc&u+t*, $t %a+3* a/&+- t! t&0 D!0&*$t&%y Pa%t$c$0at! $+ I+$a, %!-$*t!%!

2$t NSD a+ CDSL Ka%4y COM t%a!, M!/#!% &' NCDE a+ MC %a+3*

a/&+- t! t&0 c&//&$ty #%&3!%* $+ t! c&u+t%y Ka%4y I+*u%a+c! #%&3!%* a%!

%!-$*t!%! a* a B%&3!% 2$t IRDA a+ %a+3* a/&+- t! t&0 $+*u%a+c! a-!+t $+

t! c&u+t%y

Ka%4y a* &''$c!* &4!% l&cat$&+* ac%&** I+$a &4!%*!a* at Du#a$

a+ N!2 Y&%3 O4!% ?, $- 1ual$'$! 0!&0l! *ta'' Ka%4y

K6>* E65* D6*+

Ka%4y t! +a/! c&/!* '%&/ t! +a/!* &' t! $%!ct&%*"

K 5 M% K%$*+a P%a*a

A 5 M% A%u+

R 5 M% Raa K%$*+a

V5 M% V!+3at K%$*+a

Y5 M% Y&-!+!%

T! #$%t la*t &' Ka%4y 2a* &+ a /&!*t *cal! $+ >?? It #!-a+ 2$t t!

4$*$&+ a+ !+t!%0%$*! &' a */all -%&u0 &' 0%act$c$+- Ca%t!%! Acc&u+t* 2&

'&u+! t! 'la-*$0 c&/0a+y Ka%4y *ta%t! 2$t c&+*ult$+- a+ '$+a+c$al

acc&u+t$+- a+ ca%4! $+%&a* $+t& t! '$!l* &' %!-$*t%y a+ *a%! acc&u+t$+- #y

>?@ S$+c! t!+, Ka%4y a4! ut$l$7! $t* !80!%$!+c!* a+ *u0!%lat$4! !+t!%0%$*!

t& -& '%&/



15/42


St%!+-t t& St%!+-t T& #!tt!% $t* *!%4$c!*, t& 0%&4$! +!2 &+!*, t&

$++&4at$4!, $4!%*$ty a+ t! 0%&c!**, !4&l4! Ka%4y a* &+! &' I+$a* 0%!/$*!

$+t!-%at! '$+a+c$al *!%4$c!*

GROWTH AND DEVELEPMENT OF KARVY+

O4!% t! la*t y!a%* Ka%4y 3a%4y a* t%a4!l! t! *ucc!** %&ut!, t&2a%*

#u$l$+- a %!0utat$&+ a* a+ $+t!-%at! '$+a+c$al *!%4$c!* 0%&4$!%, &''!%$+- a 2$!

*0!ct%u/ &' *!%4$c!* A+ t!y a4! /a! t! .&u%+!y #y ta3$+- t! %&ut! &'

1ual$ty *!%4$c!* Pat #%!a3$+- $++&4at$&+ $+ *!%4$c!*, 4!%*at$l$ty $+ *!%4$c! a+

'$+ally t&tal$ty $+ *!%4$c!*

T!$% $-ly 1ual$'$! /a+0&2!%, cutt$+-5!-! t!c+&l&-y, c&/0%!!+*$4!$+'%a*t%uctu%! a+ t&tal cu*t&/!%5'&cu* a* *!cu%! '&% u* t! 0&*$t$&+ &' a+

!/!%-$+- '$+a+c$al *!%4$c!* -$a+t !+.&y$+- t! c&+'$!+c! a+ *u00&%t &' a+

!+4$a#l! cl$!+t!l! ac%&** $4!%* '$!l $+ t! '$+a+c$al 2&%l

9$t t! !80!%$!+c! &' y!a% &' &l$*t$c '$+a+c$al #!$+ u* a+ y!a%* &' c&/0l!t!

!80!%$!+c! $+ t! $+u*t%y t& l&&3 '&%2a% t&, t!y a4! +&2 !/!%-! a* a

0%!/$!% $+t!-%at! '$+a+c$al *!%4$c!* 0%&4$!%

A+ t&ay, t!y ca+ l&&3 2$t 0%$! at t! '%u$t* &' t!$% /a*t!%y a+

!80!%$!+c! c&/0%!!+*$4! '$+a+c$al *!%4$c!* tat a%! c&/0!t!+tly *!-%!-at! t&

*!%4$c! a+ /a+a-! a $4!%*! %a+-! &' cu*t&/!% %!1u$%!/!+t*

AT PRESENT STATUS OF KARVY+

P%!*!+t Ka%4y $* a /!/#!% &' Nat$&+al St&c3 E8ca+-!(NSE), t! B&/#ay

St&c3 E8ca+-!(BSE), a+ t! Hy!%a#a St&c3 E8ca+-!(HSE) Ma%3!t

a+aly*$* a+ /a%3!t 0%!$ct$&+* a%! &+! #y 0%&'!**$&+al /a+a-!/!+t t!a/ KARVY a* c&4!%$+- t! *0!ct%u/ &' '$+a+c$al *!%4$c!* *uc a* *t&c3

#%&3$+- *!%4$c!*, A4$*&%y S!%4$c!*, St&c3 #%&3$+- , D!0&*$t&%y Pa%t$c$0a+t*,

D$*t%$#ut$&+ &' '$+a+c$al 0%&uct* /utual 'u+*, F$8! D!0&*$t*, E1u$t$!*,

I+*u%a+c! #%&3$+- c&//&$t$!* #%&3$+-, P!%*&+al F$+a+c! A4$*&%y S!%4$c!*,

M!%ca+t Ba+3$+- a+ C&%0&%at! F$+a+c!, Plac!/!+t F$+a+c!, Plac!/!+t &'

!1u$ty, IPO*, a/&+- &t!%



16/42


VISION OF KARVY+

T& ac$!4! a+ *u*ta$+ /a%3!t l!a!%*$0, Ka%4y *all a$/ '&% c&/0l!t!

cu*t&/!% *at$*'act$&+, #y c&/#$+$+- $t* u/a+ a+ t!c+&l&-$cal %!*&u%c!* t&

0%&4$! 2&%l cla** 1ual$ty *!%4$c!* I+ t! 0%&c!** Ka%4y *all *t%$4! t& /!!t

a+ !8c!! cu*t&/!%* *at$*'act$&+ a+ *!t $+u*t%y *ta+a%* T!$% 4alu!* a+ 4$*$&+ &' atta$+$+- t&tal c&/0!t!+c! $+ t!$% *!%4$c$+- a*

*!%4! #u$l$+- #l&c3 '&% c%!at$+- a -%!at '$+a+c$al !+t!%0%$*!, 2$c *ta+* *&l$

&+ t!$% '&%t%!**!* &' '$+a+c$al *t%!+-t t!$% 4a%$&u* c&/0a+$!*

MISSION OF KARVY


17/42


DATA ANALYSIS AND INTERPRETATION

T6$5( 1 ;:&7 (=7)(7' 6(

A( N- 3 R(=7)(7' =(4(7'6(

5y%* @

5y%* ?

5y%*

A#&4! y%*

T'65 . 100

A(

25-65$"s 65-75$"s 75-55$"s Ae 55$"s+<

1+<

2+<

6+<

7+<

5+<

8+<

9+<

8+<

6+<

9<2<

(e"!e'tage

I7'(=('6'&7+

F%&/ t! ta#l! $t $* '&u+ tat &' t! %!*0&+!+t* a%! #!t2!!+ t! a-! 5y!a%*,

&' t!/ a%! $+ t! a-! -%&u0 &' 5y%* a+ a 4!%y l&2 0!%c!+ta-! a#&ut &' t!/ a%!

a#&4! y!a%*



18/42


T6$5( 2 ;:&7 O44#=6'&7 3 ';( (=7)(7'

O44#=6'&7

N- 3

R(=7)(7'

=(4(7'6

(

S!l' !/0l&y!

9&%3$+- @

R!t$%!

''65 . 100

Se)# e&()$e, ="0i'g Reti"e,+<

1+<

2+<

6+<

7+<

5+<

8+<

9+<

69<

5:<

7<

(e"!e'tage

I7'(=('6'&7+

It $* '&u+ tat @ &' %!*0&+!+t* a%! 2&%3$+- cla**, &' t! %!*0&+!+t* a%! S!l'

!/0l&y!, a+ &+ly &' %!*0&+!+t* a%! R!t$%! 0!%*&+*

GLOBAL BUSINESS SCHOOL HUBLI -25Page 1:


19/42


T6$5( @ ;:&7 %6&'65 '6'#

M6&'65 S'6'# N- 3 R(=7)(7' =(4(7'6(

Ma%%$!

+/a%%$! @

D$4&%c!

9$&2! > >

T'65 . 100

>a""ie, U'&a""ie, Di"!e =i,/e,+<

1+<

2+<

6+<

7+<

5+<

8+<

79< 7:<

2< 1<

(e"!e'tage

I7'(=('6'&7+

It $* '&u+ tat &' t! %!*0&+!+t* a%! /a%%$!, @ &' t! %!*0&+!+t* a%! +/a%%$!,

&' t! %!*0&+!+t* a%! D$4&%c! a+ > &' t! %!*0&+!+t* a%! 9$&2!

GLOBAL BUSINESS SCHOOL HUBLI -25Page 1;


20/42


T6$5( ;:&7 G(7)(

M6&'65 S'6'# N- 3 R(=7)(7' =(4(7'6(

Ma%%$!

+/a%%$! @

D$4&%c!

9$&2! > >

T'65 . 100

G(7)(

>a)e 3e&a)e+<

1+<

2+<

6+<

7+<

5+<

8+<

9+<

:+<

;+<9:<

22<

(e"!e'tage

I7'(=('6'&7+

@ &' t! %!*0&+!+t* a%! Mal! a+ &' t! %!*0&+!+t* a%! F!/al!



21/42


T6$5( " S;:&7 A77#65 &74%(

A77#65 I74%( N- 3 R(=7)(7'

=(4(7'6

(

5La3 0a ? >

5La3 0a

A#&4! La3

0a T'65 . 100

A77#65 I74%(

2-6La0h (4a 6-5La0h (4a Ae 5La0h (4a+<

1+<

2+<

6+<

7+<

5+<

8+<

9+<81<

68<

6<

(e"!e'tage

I7'(=('6'&7+

F%&/ t! *a/0l! &' ?, > &' t! %!*0&+!+t* a%! #!t2!!+ t! a++ual $+c&/! &' R*

5, &' t! %!*0&+!+t* a%! #!t2!!+ t! a++ual $+c&/! &' R* 5

a+ t! %!*0&+!+t* a%! #!t2!!+ t! a++ual $+c&/! &' A#&4! R*



22/42


T6$5( S;:&7 =(4(7'6( 3 &74%( 6>() 7 %7';5* $6&-

P(4(7'6( 3 S6>&7 N- 3 R(=7)(7'P(4(7'6

(

5>

>5 @

5 > >

a#&4! > >

T6$5( . 100

P(4(7'6( 3 &74%(

5-1+< 1+-2+< 2+-6+< ae 7+<+<

1+<

2+<

6+<

7+<

5+<

8+<

69<

7:<

16<

1<

Pe"!e'tage

I7'(=('6'&7+



23/42


F%&/ t! *a/0l! &' ?, t!%! a%! @ &' %!*0&+!+t* /&+tly *a4$+- %a+-!* '%&/ >5 6

&' %!*0&+!+t* /&+tly *a4$+- %a+-! '%&/ 5> a+ &+ly > &' %!*0&+!+t* a%!

*a4$+- a#&4! T$* *&2* tat t! *a4$+- a#$t* &' 0!&0l! a%! l&2

T6$5( . ;:&7 =(3(() 4;&4( 3 &7>('%(7' ='&7

#('&7 N- 3 R(=7)(7' =(4(7'6(

F$8! !0&*$t

R!cu%%$+- !0&*$t > @

G&l *c!/! >

C$t Fu+* > @

Mutual 'u+* > @

I+*u%a+c! ?

PPF

T'65 12 100

C;&4( 3 &7>('%(7' ='&7

+<

5<

1+<15<

2+<

25<

6+<

65<6+<

:<16<

:< :<

2;<

7<

(e"!e'tage



24/42


I7'(=('6'&7+

F%&/ t! *a/0l! &' ?, &' %!*0&+!+t* 0%!'!% t& $+4!*t $+ F$8! D!0&*$t, ? &'

%!*0&+!+t* 0%!'!% t& $+4!*t $+ I+*u%a+c!, > &' %!*0&+!+t* 0%!'!% t& $+4!*t $+ G&l

*c!/!, @ &' %!*0&+!+t* 0%!'!% t& $+4!*t $+ R!cu%%$+- !0&*$t, C$t Fu+*, Mutual 'u+*,

a+ &' %!*0&+!+t* 0%!'!% t& $+4!*t $+ PPF

T6$5( T6$5( ;:&7 364' 47&)(() 3 (5(4'&7 ';( &7>('%(7' ='&7

F64' N- 3 R(=7)(7' =(4(7'6(

Sa'!ty

R!tu%+

R$*3 > > T'65 . 100

I7>('%(7' ='&7

Sa#et$ Ret%"' Ris0+<

1+<

2+<

6+<

7+<

5+<

8+<

52<

65<

16<

(e"!e'tage



25/42


I7'(=('6'&7+

F%&/ t! *a/0l! &' ?, &' %!*0&+!+t* c&+*$!% *a'!ty a* t&0 /&*t $/0&%ta+t 'act&% '&%

$+4!*t$+- $+ -$4!+ $+4!*t/!+t &0t$&+ '&ll&2! #y &' %!*0&+!+t* c&+*$!% R!tu%+ a*

$/0&%ta+t 'act&% '&% $+4!*t/!+t a+ > &' %!*0&+!+t* c&+*$!% %$*3 'act&% 2$l! *!l!ct$+-

$+4!*t/!+t &0t$&+,

T6$5( ;:&7 6:6(7( 5(>(5 3 (=7)(7' ':6) S*'(%6'&4 I7>('%(7' P567 &7

M#'#65 3#7) S4;(%(

SIP &7 MF 4;(%(

N- 3

R(=7)(7' =(4(7'6(

A2a%!

Pa%t$ally A2a%!

+a2a%! >T'65 . 100

SIP &7 M#'#65 F#7) S4;(%(

A/a"e Pa"tia))$ A/a"e U'a/a"e+<

1+<

2+<

6+<

7+<

5+<

8+<

27<

58<

21<

(e"!e'tage



26/42


I7'(=('6'&7+

F%&/ t! *a/0l! &' ?, &' %!*0&+!+t* 0a%t$ally a2a%! SIP $+ Mutual 'u+ Sc!/!*,

&' %!*0&+!+t* a%! 'ully a2a%! &' SIP $+ Mutual 'u+ Sc!/!*, a+ > &' %!*0&+!+t*

a%! +&t a2a%! &' SIP $+ Mutual 'u+ Sc!/!*

T6$5(10 ;:&7 ;:&7 6:6(7( 5(>(5 3 (=7)(7' R(4#&7 )(=&' 4;(%(

&7 B67/P' 33&4(

RDS I7 B67/PO

N- 3

R(=7)(7' =(4(7'6(

A2a%! @

Pa%t$ally A2a%!

+a2a%! >@ >?

T'65 . 100

RD 4;(%( &7 B67/P' 33&4(

A/a"e Pa"tia))$ A/a"e U'a/a"e+<

1+<

2+<

6+<

7+<

5+<

8+<

7:<

66<

1;<

(e"!e'tage



27/42


I7'(=('6'&7+

F%&/ t! *a/0l! &' ?, @ &' t! %!*0&+!+t* a%! a2a%! &' RD *c!/!* $+ Ba+3*:P&*t

&''$c!, &' t! %!*0&+!+t* Pa%t$ally A2a%! RD *c!/!* $+ Ba+3*:P&*t &''$c! a+ >?

t! %!*0&+!+t* a%! +&t a2a%! &' RD *c!/!* $+ Ba+3*:P&*t &''$c! By c&/0a%$+- #!t2!!+

#&t SIP MF *c!/!* a+ RD t! l!4!l &' a2a%!+!** 2$t %!*0!ct t& RD *c!/!* $* /&%!

c&/0a%! t& SIP MF *c!/!* A* RD *c!/!* 2!%! $+t%&uc! /uc #!'&%! SIP MF *c!/!*

ca/! $+t& t! /a%3!t t$* c&ul #! &+! &' t! %!a*&+ '&% #!$+- a2a%! &+ RD *c!/!* t!+

SIP MF *c!/!

T6$5( 11 6%7 ';( ': &7>('%(7' 4;&4( :;&4; 7( :#5) *# =(3( 3 &7>('%(7'-

P(3( 3 &7>('%(7'

N- 3

R(=7)(7'

=(4(7'6

(

SIP $+ Mutual Fu+ >RDS $+ Ba+3:P&*t &''$c! ?

T'65 . 100

C;&4( 3 I7>('%(7'



28/42


SIP i' >%t%a) 3%', RDS i' Ba'0?Pst @!e+<

1+<

2+<

6+<

7+<

5+<

8+<

9+<

:+<

61<

8;<

(e"!e'tage

I7'(=('6'&7+

F%&/ t! *a/0l! &' ?, ? &' %!*0&+!+t* a%! RD Sc!/! $+ Ba+3:P&*t &''$c! a+ &+ly

> &' Sy*t!/at$c I+4!*t/!+t Pla+ $+ Mutual Fu+

T6$5( 12 D *# 3((5 67* )&33((74( 6%7 ';( ': &7>('%(7' 4;&4( #('() 6$>(

I7>('%(7' 4;&4( N- 3 R(=7)(7'

=(4(7'6

(

Y!*

N& @

T'65 . 100

I7>('%(7' 4;&4(



29/42


Yes N

52<

7:<

percent!=e

(e"!e'tage

I7'(=('6'&7+

F%&/ t! *a/0l! &' ?, &' %!*0&+!+t* '!!l tat t!%! $* $''!%!+c! a/&+- t2&

$+4!*t/!+t* *u--!*t! a+ @ '!!l t!%! $* +& $''!%!+c! #!t2!!+ t! *c!/!*

T6$5( 1@ R(6) ';( #('&7 $(5: 67) '&4 67* 7( 4;&4( &>(7 &7 ';( 4;&4(-

;u!*t$&+* A-%!!

Pa%t$ally

a-%!!

D$*a-%!

!

2!$-t!

*c&%! P!%c!+ta-!

I+4!*t/!+t $+ SIP $+ Mutual

'u+ $* %$*3y > > ? >

Rat! &' %!tu%+ $* '$8! $+ SIP >> > >@ >I+4!*t/!+t ca+ #! /a! $+

lu/0 *u/ u+!% SIP *c!/!* ? @ >@ >



30/42


T! /$+$/u/ a/&u+t u+!%

SIP *ta%t* 2$t R* 0!%

/&+t @ >? >

9! ca+ 2$t%a2+ t! a/&u+t

a+y t$/! #!'&%! t! /atu%$ty ? >@ >?> >

I+4!*t/!+t $+ SIP ca+ #! &+!

t%&u- ca*:c!1u!:aut&

!#$t > > >

C&/0a%! t& R!cu%%$+- D!0&*$t

SIP -$4!* $-!% %at! &' %!tu%+ >

T'65 211 2." 1 1@. 100

+2+7+8+:+

1++12+

8+

11 27 62 25 28 66

18

88 6; 67 7; 61 7+

19 15 2: 2: 1: 65 26

Ag"ee Pa"tia))$ ag"ee Disag"ee

I7'(=('6'&7+

T! ta#l! *&2* &' %!*0&+!+t a-%!! tat $+4!*t/!+t $+ SIP $* %$*3y, &' %!*0&+!+t

Pa%t$ally a-%!! tat $+4!*t/!+t Rat! &' %!tu%+ $* '$8! $+ SIP, ? &' %!*0&+!+t I+4!*t/!+t ca+

#! /a! $+ lu/0 *u/ u+!% SIP *c!/!*, &' %!*0&+!+t T! /$+$/u/ a/&u+t u+!% SIP

*ta%t* 2$t R* 0!% /&+t, &' %!*0&+!+t C&/0a%! t& R!cu%%$+- D!0&*$t SIP -$4!*

$-!% %at! &' %!tu%+ a+ ? &' %!*0&+!+t 9! ca+ 2$t%a2+ t! a/&u+t a+y t$/! #!'&%! t!

/atu%$ty a+ %!*0&+!+t $*a-%!! I+4!*t/!+t $+ SIP ca+ #! &+! t%&u- ca*:c!1u!:aut&

!#$t



31/42


+<2<7<8<:<

1+<12<17<

18<1:< 19<

16< 16< 17< 17<

16<

15<

Pe"!e'tage

I7'(=('6'&7+

T! ta#l! *&2* tat > &' %!*0&+!+t a-%!! tat $+4!*t/!+t $+ SIP $* %$*3y, > &' 0!&0l!

'!!l tat c&/0a%! t& R!cu%%$+- D!0&*$t SIP -$4!* $-!% %at! &' %!tu%+, > &' 0!&0l!* a-%!!

tat t! /$+$/u/ a/&u+t u+!% SIP *ta%t* 2$t $* R* 0!% /&+t a+ al*& 2! ca+

2$t%a2+ t! a/&u+t a+y t$/! #!'&%! t! /atu%$ty a+ > &' 0!&0l!* 0a%t$ally a-%!! tat

t! Rat! &' %!tu%+ $* '$8! $+ SIP a+ I+4!*t/!+t ca+ #! /a! $+ lu/0 *u/ u+!% SIP *c!/!a+ t! /&! &' 0ay/!+t ca+ #! t%&u- ca*, c!1u!, aut& !#$t



32/42


T6$5( 1 R(6) ';( #('&7 $(5: 67) '&4 67* 7( 4;&4( &>(7 &7 ';( 4;&4(-

;u!*t$&+* A-%!

!

Pa%t$ally

a-%!!

D$*a-%!

!

2!$-t!

*c&%!

P!%c!+ta-

!

I+4!*t/!+t $+ R!cu%%$+-

D!0&*$t *c!/! $* *a'! > >

Rat! &' $+t!%!*t &+ RD $* '$8! ? @ > >?@ >

I+4!*t/!+t ca+ #! /a! $+

lu/0 *u/ u+!% RD *c!/!* > >

T! /$+$/u/ a/&u+t u+!%RD *ta%t* 2$t R* > 0!%

/&+t @ >? >

9! ca+ 2$t%a2+ t! a/&u+t

a+y t$/! #!'&%! t! /atu%$ty @ > >@? >

I+4!*t/!+t $+ RD ca+ #! &+!

t%&u- ca*:c!1u!:aut& !#$t > >? >

C&/0a%! t& SIP,RD -$4!*

$-!% %at! &' %!tu%+ >? >

T'65 220 2.. 1 1@" 100



33/42


+1+2+6+7+5+8+9+:+;+

1++

72 2; 2+6: 2: 6+ 66

62 7:

7+

69 77 76 66

15 15 621; 19 21 25

Ag"ee Pa"tia))$ ag"ee Disag"ee

I7'(=('6'&7+

T! ta#l! *&2* &' t! %!*0&+!+t* a%! A-%!! t& I+4!*t/!+t $+ R!cu%%$+- D!0&*$t *c!/!

$* *a'!, @ &' t! %!*0&+!+t* a%! Pa%t$ally a-%!! t& Rat! &' $+t!%!*t &+ RD $* '$8! a+ &'

%!*0&+!+t D$*a-%!! I+4!*t/!+t ca+ #! /a! $+ lu/0 *u/ u+!% RD *c!/!*



34/42


+<2<7('%(7' &7 SIP/RD

P(&) 3 &7>('%(7' I7>('%(7' &7 RD

P(4(7'6( I7>('%(7'

&7 SIP =(4(7'6(

>y!a% @ >

y!a% > > >



35/42


y!a% >

A#&4! y%* ? > >

T'65 . 100 @0 100

P(&) 3 &7>('%(7'

1$ea" 2$ea" 6$ea" Ae 6$"s+<

1+<

2+<

6+<

7+<

5+<

8+<

:<

27<

57<

16<

(e"!e'tage

I7'(=('6'&7+

F%&/ t! *a/0l! *$7! &' , &' t! %!*0&+!+t* a4! $+4!*t! $+ RD '&% a 0!%$& &'

y!a%*, > &' t!/ '&% y!a%*, > &' t!/ $+4!*t! a#&4! y!a%* a+ > &' t!

%!*0&+!+t* $+4!*t! '&% .u*t >y!a% $+ RD *c!/!*

9!%!a* &ut &' *a/0l! *$7! &' %!*0&+!+t* $+4!*t! $+ SIP MF *c!/!" &' t!/ a4!

$+4!*t! '&% y%* 0!%$& a+ &' t!/ '&% y%* a+ #ala+c! > &' t!/ '&% a#&4! y!a%* 0!%$&

T6$5( 1 ';( (67 3 &7>('&7 &7 *'(%6'&4 I7>('%(7' P567-

#('&7 N- 3 R(=7)(7'

=(4(7'6

(T& ac$!4! *&%t t!%/ '$+a+c$al -&al



36/42


T& 0ay a++ual $+*u%a+c! 0%!/$u/ >

T& ta3! a4a+ta-! &' $+c&/! ta8 #!+!'$t @

T& !a%+ $-!% %at! &' %!tu%+ >

T& a4! #a*3!t &' '$+a+c$al a**!t* $+ t! 0&%t'&l$& >>

T'65 1@ 100

S*'(%6'&4 I7>('%(7' P567

+<5<

1+


37/42


T& 0ay a++ual $+*u%a+c! 0%!/$u/ >

T& !a%+ '$8! %at! &' %!tu%+

T&tal > >

S*'(%6'&4 I7>('%(7' P567

T a!hiee sh"t te"& .'a'!ia) ga) T ea"' .e, "ate # "et%"'+<

5<

1+<

15<

2+<

25<

6+<

65<

7+<

75<

5+<77<

61<

25<

(e"!e'tage

I7'(=('6'&7+

F%&/ t! a#&4! ca%t $t $* '&u+ tat t! %!a*&+ '&% $+4!*t$+- $+ RD *c!/!* $* #a*$cally,

&' t!/ *ay* t& ac$!4! *&%t t!%/ '$+a+c$al -&al, > t& 0ay a++ual $+*u%a+c! 0%!/$u/

a+ t& !a%+ '$8! %at! &' %!tu%+



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CONLUSTION

I a a -%!at !80!%$!+c! u%$+- /y 0%&.!ct, $+ t$* 0!%$& I c&/! t& 3+&2 a#&ut

T! I+4!*t/!+t B!a4$&% &' SIP 6 RD *c!/!* $+4!*t&%* $+ B$.a0u% c$ty I

*tu$! a#&ut &2 t! #!a4$&% &' a 0a%t$cula% $+4!*t&% 2$ll #! &2 t!y /a3!

t!$% $+4!*t/!+t !c$*$&+*

Ma+y $+4!*t&%* a%! +&t a2a%! &' SIP 6 RD Sc!/!* t!y 2$ll $+4!*t #y ta3$+-

t! a4$c! &' t!$% '%$!+* 6 %!lat$4!*, S& /a+y &' t!/ a4! *u''!%! '%&/

l&**!*



39/42


BIBLIOGRAPHY

• M&+tly /a-a7$+!

•

N!2* 0a0!%*

WEBSITES VISITED

999KARVYCOM

999SIPCOM

999MTALFNDCOM

A S*U& ON -AC*ORS A--EC*ING CHOICE O- IN.ES*ORS /I*H RESPEC*

*O SELEC*ION O- SS*E00A*IC IN.ES*0EN* PLAN .1S RECURRING

&EPOSI* SCHE0E IN BI2APUR CI*4


http://www.karvy.com/http://www.sip.com/http://www.mutualfund.com/http://www.sip.com/http://www.mutualfund.com/http://www.karvy.com/


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In%estors ProDe

a4 Na&e 4 Age 25-65$"s 65-75$"s 75-55$"s Ae 55$"s !4 O!!%(ati' Se)# e&()$e, ="0i'g Reti"e, ,4 >a"ita) Stat%s >a""ie, U'&a""ie, Di"!e =i,/e, e4 Ge',e" >a)e 3e&a)e #4 A''%a) I'!&e 2-6 )a0h (4a4 6-5 )a0h (4a4 Ae 5 )a0h (4a

Rese!rc' F6estions

14 =hat (e"!e'tage # $%" i'!&e , $% sae ' &'th)$ asisa4 5 F 1+


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94 D $% #ee) a'$ ,ie"e'!e a&'g the t/ i'est&e't !hi!e s%ggeste,

aea4 Yes 4 N

:4 Rea, the %esti's e)/ a', ti!0 a'$ 'e !hi!e gie' i' the !)%&'

%esti's Ag"ee Pa"tia))$

Ag"ee

Disag"ee

I'est&e't i' SIP i' &%t%a) #%', is

"is0$Rate # "et%"' is .e, i' SIP

I'est&e't !a' e &a,e i' )%&(s%&

%',e" SIP s!he&es The &i'i&%& a&%'t %',e" SIP sta"t

/ith Rs4 5++ (e" &'th=e !a' /ith,"a/' the a&%'t a'$

ti&e e#"e the &at%"it$I'est&e't i' SIP !a' e ,'e

th"%gh !ash?!he%e?a%t ,eitC&(a"e t Re!%""i'g De(sit SIP

gies highe" "ate # "et%"'

;4 Rea, the %esti's e)/ a', ti!0 a'$ 'e !hi!e gie' i' the !)%&'

%esti's Ag"ee Pa"tia))$

Ag"ee

Disag"ee

I'est&e't i' Re!%""i'g De(sit

S!he&es is sa#eRate # I'te"est ' RD is .e,

I'est&e't !a' e &a,e i' )%&(s%&

%',e" Re!%""i'g De(sit s!he&es

The &i'i&%& a&%'t %',e" RD sta"t

/ith Rs4 1++ (e" &'th=e !a' /ith,"a/' the a&%'t a'$

ti&e e#"e the &at%"it$I'est&e't i' RD !a' e ,'e

th"%gh !ash?!he%e?a%t ,eitC&(a"e t SIP RD gies highe"

"ate # "et%"'



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1+4 =hat is $%" ti&e (e"i, # i'est&e't i' SIP?RD

a4 1$ea" 4 2$ea"s !4 6 $ea"s ,4 Ae 6 $"s

114 =hat is the "eas' #" i'esti'g i' S$ste&ati! I'est&e't P)a'a4 T a!hiee sh"t te"& .'a'!ia) ga) 4 T (a$ a''%a) i's%"a'!e ("e&i%& !4 T ta0e a,a'tage # i'!&e ta e'e.t ,4 T ea"' highe" "ate # "et%"' e4 T hae as0et # .'a'!ia) assets i' the ("t#)i

124 =hat is the "eas' #" i'esti'g i' S$ste&ati! I'est&e't P)a'a4 T a!hiee sh"t te"& .'a'!ia) ga) 4 T (a$ a''%a) i's%"a'!e ("e&i%& !4 T ea"' .e, "ate # "et%"'

*'!n$ o6

SIP Project on Karvy

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