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HSBC's origins in India date back to 1853, when the Mercantile Bank of India was established in Mumbai.
The acquisition in 1959 by The Hongkong and Shanghai Banking Corporation Limited of the Mercantile Bank was a decisive factor in laying the foundation for today's HSBC Group.
HSBC has given India its first ATM way back in 1987.
The organisation's adaptability, resilience and commitment to its customers have further enabled it to survive through turbulent times and prosper through good times over the past 150 years.
It is engaged in providing securities broking, investment advisory and portfolio management services etc.
The company serves the retail and corporate customers in India. It offers its products through its 77 branches and 151 franchise outlets.
The company was formerly known as IL&FS Investsmart Limited and changed its name to HSBC InvestDirect (India) Limited in August 2009.
To become the preferred long-term financial partner to a wide base of customers whilst optimizing stakeholders’ value.
To establish a base of 1milliom satisfied customers by 2010. It will be created by being a responsible and trustworthy partner!
An approach to business that reflects:- Responsibility Transparency Ethical Behavior Respect for Employees, Clients &
Stakeholder groups.
2009 2008 2007
Current Assets 3298.7 2469.43
2075.54
Current Liabilities 1794.24
1114.86
980.14
Current Ratio 1.84 2.22 2.12
QUICK ASSETS 2009 2008 2007Accounts Receivable 1027.7
3909.58 770.39
Cash and Cash Equivalents
792.69 121.22 86.06
Other Current Assets 8.32 1 0.91
Total Quick Assets 1828.74
1031.8 857.36
Current Liabilities 1794.24
1114.86
980.14
QUICK RATIO 1.019228
0.925497
0.874732
2009 2008 2007Gross Profit 1846.1 1602.3
11505
Sales 6106.43
5208.38
4777.64
Gross Margin Ratio 30.23207
30.76408
31.50091
Net Profit Ratio
2009 2008 2007
Net Profit 401.52 286.5 291.12
Sales 6106.43 5208.38 4777.64
Net Profit Ratio 6.575364
5.500751
6.093385
Operating Margin Ratio
2009 2008 2007
Operating Margin 1036.44 809.69 784.68
Net Sales 6106.43 5208.38 4777.64
Operating Margin Ratio 16.97293
15.54591
16.42401
Return on Assets Ratio
2009 2008 2007
Net Profit Before Tax 683.1 461.15 456.15
Total Assets 9413.18 5681.25 5274.84
Return on Total Assets Ratio 7.256846 8.117052 8.647656
Year Net Sales
Trend (%)
Mar'07 4777.64 100
Mar'08 5208.38 109.02
Mar'09 6106.43 127.81
A Study on behaviour of Investors towards various investment
instruments in Ludhiana City.
Today’s trying economic conditions have forced difficult decisions for companies.
Understanding investment need of investors on an ongoing basis is critical for survival.
More than ever management needs ongoing feedback from the customers, partners and employees in order to continue to innovate and grow.
Research DesignIn this research project Descriptive Design has
been used. It has been used because it is a fact-finding investigation with adequate interpretation.
Sampling techniqueConvenience method of sampling is used to
collect the data from the respondents. Convenience of Vicinity has been used basically.
Data Collection----Primary and Secondary Sorces
Tools of AnalysisPercentage and Mean method
Limitations of the project
Investment is generally preferred by the investors who fall in the age group of 30-35 years and who fall in the income group of Rs.4-5 lacs.
Before investment investors take quickness
of option to increase wealth,tax savings, opportunity of growth and market sentiments etc. into consideration.
Most of the investors invest for long period as compared to short period of investment.
Investors get most of the information
about various investment options available for different income and age groups from advertisements made by the company.
Today all most all the investors are aware about different instruments available for investment.
Investors in the income group of Rs.3-4 lacs p.a. don’t have much money to invest and they can’t take higher risk, so they invest in mutual funds which are of moderate risk.
Respondents whose age is 30 years and above prefer to invest money in insurance.
Investment in Equity Shares is preferred by the investors whose income is Rs.5 lacs or more and the occupation of most of such investors is business.
Investors falling in any income and age group like to invest in Government Securities.
Investment in Real Estate is preferred by the investors whose income is Rs. 5 lacs or above p.a
Gold is not preferred by investors whose income group is Rs.1-2 lacs p.a. and Rs.2-3 lacs p.a.
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