“An Empirical analysis on Financial Opportunities for Indian Corporate

based on Financial Literacy in Chennai”.

Project Report Submitted to

DG VAISHNAV COLLEGE (AUTONOMOUS), affiliated to

UNIVERSITY OF MADRAS

In Partial Fulfillment of the Requirement

For the award of the Degree of

MASTER OF COMMERCE

By

Under the guidance and supervision of

Dr. M.R.VASUDEVAN M.COM., M.PHIL., Ph.D

POST GRADUATE AND RESEARCH DEPARTMENT OF COMMERCE

DWARKA DOSS GOVERDHAN DOSS VAISHNAV COLLEGE

ARUMBAKKAM

CHENNAI 600106

2011-2013

CERTIFICATE
This is to certify that the project work on the topic “An Empirical analysis on Financial
Opportunities for Indian Corporate based on Financial Literacy in Chennai”submitted to the
University of Madras by for the award of degree of Master of Commerce is a bonafide record of
project work done by him during the period of study from 2011 to 2013 under my guidance and
supervision and that this report has not previously formed on the basis of the award of any
degree, diploma, associateship, fellowship or other similar title to the candidate and the report
represents the independent work on the part of the candidate.

---------------------------------------
DATE: Prof. M.R.VASUDEVAN

PLACE: M.COM, M.Phil., Ph.D

GUIDE AND SUPERVISOR

-------------------------------------------- ----------------------------------------

Prof. T.S. VEMBU, Prof. M.R.VASUDEVAN

HEAD OF DEPARTMENT OF COMMERCE GUIDE AND SUPERVISOR

----------------------------------------------------

DR.S. NARASIMHAN, M.A, M.Phil., Ph.D.,

PRINCIPAL, D.G. VAISHNAV COLLEGE.

DECLARATION
 I hereby declare that this project report titled “An Empirical analysis on
Financial Opportunities for Indian Corporate based on Financial Literacy in Chennai” submitted
by me for the degree of master of commerce is a bonafide record of project work done by me
during the period 2012-2013 and project record has not previously formed the basis for the
award of any degree, diploma, associateship,fellowship or other similar title.

DATE: _______________

PLACE:

COUNTER SIGNED BY

-------------------------------------------- ----------------------------------------

Prof. T.S. VEMBU, Prof. M.R.VASUDEVAN

M.Com., M.Phil., B.G.L., M.B.A., Ph.D. M.Com., M.Phil., Ph.D.
HEAD OF DEPARTMENT OF COMMERCE GUIDE AND SUPERVISOR

----------------------------------------------------

EXTERNAL EXAMINER

ACKNOWLEDGEMENT
 I express my special thanks to the almighty for giving me the strength and
courage in all aspects to complete my project study successfully.

My sincere thanks to our beloved Principal DR. S. NARASIMHAN, M.A, M. PHIL.,

Ph.D., of D.G Vaishnav College who gave me an opportunity to do this project.

I would like to thank our head of the department of commerce, Dr. T.S. Vembu,
M.Com., M.Phil., B.G.L., M.B.A., Ph.D. for his support and motivation given to me.

My special thanks to my guide Prof. MR. A.B.SUNDARAVADIVELU, M.Com.,

M.Phil., M.Ed. Project Co-ordinator, Department of Commerce for his valuable suggestions and
ideas throughout the study.

Finally, I express my hearty and sincere thanks to all who helped me in

completing this project.

-----------------------

MOHAN BABU.V
 TABLE OF CONTENTS

CHAPTER NO TITLE PAGE NO

1 1
Introduction

2 14
Review of Literature

3 21
Company Profile

4 26
Analysis and Interpretation

5 62
Conclusion, finding, suggestion

LIST OF TABLES
TABLE TITLE PAGE
NO NO

4.1.1 Table For Banking Variable 27

4.1.2 Table For Insurance Variable 29

4.1.3 Table For Loan Variable 31

4.1.4 Table For Awareness on Shares 33

4.1.5 Table For Mutual Fund Variable 35

4.1.6 Table For Debentures And Bond Variables 37

4.1.7 Table For Financial Literacy Model 40

4.1.8 Table For Gender Of Respondents 42

4.1.9 Table For Age Of Respondents 44

4.1.10 Table For Salary Of Respondents 46

4.1.11 Table For Educational Qualification Of Respondents 48

4.1.12 Table For Record Maintenance Of Respondents 50

4.1.13 Table For Saving Percentage Of Respondents 52

4.1.14 Table For Method Of Savings 54

4.1.15 Financial Literacy Increasing Of Indian People, Increase Make Financial 56

Opportunities On Fund From People

4.1.16 Table For Willing To Learn Financial Literacy Of Respondents 58

4.1.17 Table For Holding Period Of Respondents 60

LIST OF DIAGRAM
FIGURE TITLE PAGE
NO NO

4.1.1 Figure For Banking Variable 28

4.1.2 Figure For Insurance Variable 30

4.1.3 Figure For Loan Variable 32

4.1.4 Figure For Awareness on Shares 34

4.1.5 Figure For Mutual Fund Variable 36

4.1.6 Figure For Debentures And Bond Variables 38

4.1.7 Figure For Financial Literacy Model 41

4.1.8 Figure For Gender Of Respondents 43

4.1.9 Figure For Age Of Respondents 45

4.1.10 Figure For Salary Of Respondents 47

4.1.11 Figure For Educational Qualification Of Respondents 49

4.1.12 Figure For Record Maintenance Of Respondents 51

4.1.13 Figure For Saving Percentage Of Respondents 53

4.1.14 Figure For Method Of Savings 55

4.1.15 Financial Literacy Increasing Of Indian People, Increase Make Financial 57

Opportunities On Fund From People

4.1.16 Figure For Willing To Learn Financial Literacy Of Respondents 59

4.1.17 Figure For Holding Period Of Respondents 61

ANNEXURE 1 QUESTIONNAIRE
ANNEXURE 2 BIBLIOGRAPHIES
“AN EMPIRICAL ANALYSIS
ON FINANCIAL
OPPORTUNITIES FOR
INDIAN CORPORATE
BASED ON FINANCIAL
LITERACY IN CHENNAI”.
 CHAPTER 1
INTRODUCTION