“Indian portfolio management – A comparative study of nationalized, cooperative and private bank of Gujarat”
Ravaliya Dipika M.
Under the Guidance of
Dr. Girish N. Rana
J. Z. Shah Arts & H. P. Desai Commerce College
A Portfolio means a collection of investments all owned by the same
individual or organization.
The art of selecting the right investment policy for the individuals in terms of minimum risk and maximum return is called as portfolio management.
Risk reduction (safety)
High expenses and sales charges
Comparison between nationalized, cooperative and private bank Public sector bank are support by state or local government, it
also greater share of government (more than 50%), so that main motto of social welfare other than maximizing profit remains. Private sector bank are those banks where the management is
controlled by private individual and government does not any say in the management of these bank. Maximizing the profit is basis motto.
C0-operative Bank are run by it’s member. These members are
at once both the owners and the customers of the bank, by
virtue of holding shares in the bank and/or having deposits with them.
Bank protest their common interest.
How portfolio should be managed in
various product of bank
are many types of portfolio including aggressive,
defensive, income portfolio etc. bank managed the portfolio of individual, trust and institution.
Portfolio of RBI included cash inflow (total inflow, income inflow,
total loan, loan return, sales of assets, withdrawn of deposit) and cash outflow(consumption outflow, Non-consumption outflow).
ICICI Bank will assist for Portfolio Management Services (PMS)
like Equity based Products, Commodity based Products, Index
linked Products etc.
portfolio management including, buy and sell share,
debentures of Indian companies on the Indian Stock Market.
Problem of portfolio management of bank
Too many loans, advances, not enough and properly managed
Loan repayment portfolio management.
Making go/kill decision in absence of solid information. Risk management.
Management of portfolio strategy by criteria of maximum
expected income on the end of the period of management
with restriction on risk the maximum financial losses in the management period.
• Find out factor which affect portfolio management of bank.
To study about investors attitude.
To make SWOT analysis of different sector bank in special
reference to portfolio management.
Create requirement of portfolio manager as professional.
study of portfolio management of bank in
reference to types of portfolio, availability of portfolio manager service, nature of security, time scale for investment etc.
Under the research methodology using historical data,
qualitative research as per requirement of study.
observation , interest, formulation of research problem,
conceptual clarity and documentation.
Research project planning
list of the selected bank, sources of available information, identify
research area, selected qualitative respondent,
formulating with portfolio manager of bank, time require to
Research planning formulation
- primary data collected survey will be used
- secondary data collected from financial report of bank,
Data classification and analysis
for the classification of data statistical tool and M.S. excel will be used.
Scope of the study
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