Internship Report on

“A STUDY ON RISK AND RETURN AT PANCHAJANYA ELECTRONICS”

Submitted in partial fulfillment of the requirements for the award of

Bachelor of Commerce of Bengaluru North University

BY
Mr. DHARSHAN K

REG: U19GZ21C0009

UNDER THE GUIDANCE OF

ASHOKA A S
Assistant Professor of Commerce
GOVT FIRST GRADE COLLEGE, K R PURAM

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 COLLEGE CERTIFICATE
(IN THE COLLEGE LETTER HEAD)

GOVERNMENT FIRST GRADE COLLEGE,

K R PURAM

DATE

CERTIFICATE
This is to certify that Mr. DHARSHAN K A bearing Registered
No.U19GZ21C0009 UUCMS ID. is a student of VI SEM B COM of our College.

He has prepared Internship report entitled “A STUDY ON RISK AND RETURN

AT PANCHAJANYA ELECTRONICS”,
From 01/04/2024 to 15/04/2024
towards the partial fulfilment of the requirement of Bachelor of Commerce of
Bengaluru North University.

Principal

[Seal & Signature]

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 STUDENT DECLARATION

I the Mr. DHARSHAN K, Reg. No. U19GZ21C0009 UUCMS ID, hereby declare

that this report entitled “A STUDY ON RISK AND RETURN AT

PANCHAJANYA ELECTRONICS”.

during the summer vacation between the period from

01/04/2024 to 15/04/2024 at PANCHAJANYA ELECTRONICS SHOWROOM,

under the supervision and guidance of ASHOKA A S, Assistant professor of

Commerce, GOVERNMENT FIRST GRADE COLLEGE .

Date :
Place: Signature

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 ACKNOWLEDGEMENT
The successful completion of this internship report required significant guidance
and assistance from many individuals, and I am truly grateful for their support
throughout this journey.

Firstly, I would like to express my sincere appreciation to

Mr. RAVICHANDRA REDDY, Stores Head of PANCHAJANYA

ELECTRONICS SHOWROOM, CHINTHAMANI branch for providing me with
the opportunity to internship at their esteemed organization.

I am also deeply grateful to our faculty coordinator, Mr. ASHOKA A S and our
principal, Smt, PRATHIBA PARSHWANATH for their unwavering support and
for granting me the valuable opportunity to intern, which has been instrumental in
my learning and exposure to the field of accountancy and finance.

I would like to extend my heartful thanks to my parents for their permission and
constant encouragement throughout this internship. Additionally, I am thankful to
my friends for their support whenever I needed their assistance during this project.

Lastly, I would like to express my profound gratitude to all individuals who

directly or indirectly contributed to the completion of this report.

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 TABLE OF CONTENTS

1. Executive Summary
2. Introduction
3. Description of the Organization
4. Experiential Learning
5. Internship Outcomes and
Conclusion
6. Bibliography
7. Annexures

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EXECUTIVE SUMMARY

PANCHAJANYA ELECTRONICS Investment Pvt. Ltd. Company Profile

Information is operating as a Private Company - Operating. It was officially
incorporated on 08 April, 1999, making the company 53 years old. The company
was founded in the year 1971. It is categorised as - classified as -. Its Listing Status
is -. As per the official records of Ministry of Corporate Affairs (MCA), the
Corporate Identification Number (CIN) of the company is
U51395KA1999PTC025042 and Registration Number is -. Additionally,
PANCHAJANYA ELECTRONICS Investment Pvt. Ltd. Company‟s Scrip Code .
It has been duly registered at Registrar of Companies -. PANCHAJANYA
ELECTRONICS Investment Pvt. Ltd. company‟s current MCA status is -. As per
the official records, the company‟s Authorised Capital is Rs. - and its Paid-up
Capital is Rs. -. The last reported Annual General Meeting (ABM) of the company
was held on - and the last Balance Sheet was filled on -. The list of current and past
investors of the company with their respective Relationship Type, Stake Held and
% Stake can be accessed here.

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 CHAPTER I
Introduction

INDUSTRY PROFILE

Electronic industry

The electronics industry emerged in the 20th century and is today one of the largest
global industries. Contemporary society uses a vast array of electronic devices
built in automated or semi-automated factories operated by the industry. Products
are primarily assembled from metal-oxide-semiconductor (MOS) transistors and
integrated circuits, the latter principally by photolithography and often on printed
circuit boards. The electronics industry consists of various sectors. The central
driving force behind the entire electronics industry is the semiconductor industry
sector, which has annual sales of over $481 billion as of 2022. The largest industry
sector is e-commerce, which generated over $29 trillion in 2023. The size of the
industry and the use of toxic materials, as well as the difficulty of recycling has led
to a series of problems with electronic waste. International regulation and
environmental legislation has been developed in an attempt to address
the issues. This company is related to consumer electronics gadgets like air
conditioners, air coolers, entertainment products, including home theaters,
televisions, audio systems, DVD players and set-top-boxes, washing machines,
laptops, mobiles, refrigerators, microwave ovens and home appliances.

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Television:

Smart phone:

Air cooler:

Washing machine:

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Refrigerators:

Iron box:

Microwave ovens:

Laptops:

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  INTRODUCTION TO FINANCE
In our present day economy, finance is define as the provision of money at the time
when it is required. Every enterprise, whether big, medium or small, need finance
to carry on its operation and to achieve its targets. In fact, finance is so
indispensable today that it is rightly said to be the lifeblood of an enterprise.
Without adequate finance, no enterprise can possibly accomplish its objectives.

 DEFINITION OF FINANCE
Finance is a field within economics that deals with the allocation of assets and
liabilities over time under condition of certainty and uncertainty. A key point in
finance is the time value money, which states that one unit of currency today, is
worth more than one unit of currency tomorrow. Finance aims to price assets based
on their risk level, and expected rate of return. Finance can be broker into three
different sub categories: public finance, corporate finance and personal finance.

TYPES OF FINANCE
1. Business finance
2. Direct finance
3. Indirect finance
4. Public finance
5. Private finance
6. Corporation finance

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 1. Business finance :

The term „business finance‟ is very comprehensive. It implies finance of business

activities. The term, „business‟ can be categorized into three groups commerce,
industry and service. It is a process of rising, providing and managing of all the
money to be used in connection with business activities.

2. Direct finance :
The term „direct‟ as applied to the financial organization, signifies that savings are
affected directly from the saving surplus units without the intervention of financial
institution such as investment companies, insurance companies, unit‟s trusts, and
so on.

3. Indirect finance :
The term „indirect finance‟ refers to the flow of from the savers to the
entrepreneurs through intermediary financial institutions such as investment
companies, unit‟s trusts and insurance companies, and so on.

4. Public finance :
It is the study of principles and practices pertaining to acquisition of funds for
meeting the requirement of government bodies and administration of these
funds by the government.
5. Private finance :
It is concerned with procuring money for private organization and management
of the money by individuals, voluntary association and corporation. It seeks to
analyze the principal and practices of managing one‟s own daily affairs.

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 CHAPTER II
Description of the Organization

MEANING OF BUSINESS FINANCE

Literally speaking, the term „business finance‟ connotes finance of business
activities. It is composed of two words
i. Business, and
ii. Finance thus, it is essential to understand the meaning of the two words,
business and finance, which is the starting point to develop the whole
concept and meaning of the term business finance.
The word „business‟ literally means „a state of being busy‟. All creative human
activities relating to the production and distribution of goods and services for
satisfying human wants are known as business. It is also includes all those
activities which indirectly help in production and exchange of good, such as,
transport, insurance, banking and warehousing. Broadly speaking, the term
„business‟ includes industry, trade and commerce.
Finance may be defined as the provision of money at the time when it is
required. Finance refers to the management of flow of though an organization.
It concerns with the application of skill in the manipulation, use and control of
money. Different authorities have interpreted the term „finance‟ differently.

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MEANING OF FINANCE FUNCTION

Finance function is the most important of all business function. It remain a

focus of all activities. It is not possible to substitute or elimination this function
because the business will close down in the absence of finance. The need for
money is continuous. It starts with the setting up of an enterprise and remains
at all times. The development and expansion of business rather needs more
commitment for funds. The funds will have to be raised from various sources.
The sources will be selected in relation to the implication attached with them.
The receiving of money is not enough, its utilization is more important.

OBJECTIVES OF FINANCE FUNCTION

1. Funds rising :
Getting required amount of capital funds from different forms and sources such
as internal and external sources like shares, debentures, loans, retained
earnings in the required proportion is the fundamental or prime function of the
finance executives in the finance department.

2. Funds allocation :
After the procedure of capital funds from varied sources at required
quantities, the next function of the executive is the allocation of these capital
funds on profitable projects.
3. Dividend payout :
It refers to profit planning and allocation i.e. disposable profile are the third
major function of finance. The rate of dividend declared and the stability of
dividend i.e. dividend payout is the most important function of finance.

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Retained earnings i.e. maintaining residual profile to meet future contingencies
is also a key function along with the dividend function.

4. Maintaining liquidity & solvency :

It is the major responsibility of every organization for the smooth functioning
of all its activities is the most important finance function. Every organization
has to maintain sufficient amount of working capital to meet its day to day
requirements.

RISK
INTRODUCTION
Risk is a probability or threat of damage, injury, liability, loss or any other negative
occurrence that is caused by external or internal vulnerabilities and that may be
avoided through pre-emptive action.
Risk analysis in capital budgeting bears a sustainable degree of importance in the
field of corporate finance. Risk arises in project evaluation because the firm cannot
predict the occurrence of possible future events with certainty and hence, cannot
make any correct forecast about the cash flows. The uncertain economic conditions
are the sources of uncertainty in the cash flow. For example: A company wants to
produce and market a new product to their prospective customers. The demand is
affected by the general economic conditions. Demand may be very high if the
country experiences higher economic growth.

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MEANING
Risk is the potential that a chosen action including the choice of inaction will lead
to loss an undesirable outcome. The concept implies that a choice having an
influence on the outcome exists or existed.

RISK ANALYSIS
Risk analysis refers to the uncertainty of forecasted future cash flow streams,
variance of portfolio/stock returns, statistical analysis to determine the probability
of a project‟s success or failure and possible future economic states.
Risk analysts often work in the tandem with forecasting professionals to minimize
future negative unforeseen effects.

SECURITY RETURN AND RISK

The portion of the variability of return of a security that is caused by external
factors is called systematic risk. It is also known as market risk non-diversifiable
risk. Economic and political instability, economic recession, macro policy of the
government, ect. affect the price of all shares systematically. Thus the variation of
return in shares, which is caused by these factors, is called systematic risk.
The risk/return tradeoff could easily be called the “ability-to-sleep-at-night test.
Deciding what amount of risk once can take while remaining comfortable with his
investment is very important. In the investing world, the dictionary definition of
risk is the chance that an investment‟s actual return will be different than expected.
Risk means you have the possibility of losing some, or even all, of the original
investment. Security analysis involves an examination of expected return and
accompanying risk.

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UNSYSTEMATIC RISK
1. Business risk
Business risk refers to the possibility that a company will have lower than
anticipated profit or that it will experience a loss rather than a profit. Business risk
is influenced by numerous factors, including sales volume, per-unit price, input
costs, competition, overall economic climate and government regulation.
 Internal risk
 External risk
2. Financial risk
It is the risk borne by equity holders due to a firm‟s use of debt. If the company
raises capital by borrowing money, it must pay back this money at some future
date plus the financing charges.
 Credit risk
 Currency risk
 Country risk

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 CHAPTER II
Description of the Organization

Company profile
HISTORY OF THE COMPANY
Established in 1971, with a small store of about 300sqf, PANCHAJANYA
ELECTRONICS began its journey to create a space for itself in the retail market in
Bangalore, the managing director under the guidance of his father, he had the
vision, foresight and business acumen to realize the importance of organized retail,
when the concept did not even exist. The foresight b paid off and from the small
store in 1971, toady PANCHAJANYA ELECTRONICS is India‟s leading chain of
consumer durables and home appliances.

PANCHAJANYA ELECTRONICS PRIVATE LIMITED is a non-government

company, incorporated on 08
April 1999. It‟s a private unlisted company and is classified as „company limited
by shares‟. Company‟s authorized capital stands at Rs. 500 lakhs and has 90.0%
paid up capital which is Rs. 450 lakhs. PANCHAJANYA ELECTRONICS
investment private limited is majority in trading business from last 21 years and
currently, company operations are active.

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Business operations
PANCHAJANYA ELECTRONICS private limited are reputed service provider for
home electronics & appliances dealers, mobile phone dealers and its related
services in Bangalore. It is a proprietorship company. They have continually
improving the services to serve their clients better with timely deliveries, round the
clock helpline and seamless customer service.

Mission
PANCHAJANYA ELECTRONICS believes in the philosophy of providing the
latest products to customers at
the best market price. The very fact that thousands of customers come back to
PANCHAJANYA ELECTRONICS for their consumer durable needs proves the
quality of service and delivery promise we at PANCHAJANYA ELECTRONICS
are committed to each customer.

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Aim / Vision
We aim to become one of the leading and globally recognized provider for home
electronics & appliances dealers, mobile phone dealers, we envision being
competitive with our exceptional service quality and is dedicated to 100%
customer satisfaction and customer services.
Competitors Information
Adishwar India Limited
Ezone (Future Retail Limited)
Sangeetha Mobiles Private Limited
Poorvika Mobiles Private Limited

RESEARCH DESIGN

Research is the process of solving problems and finding facts in an organized

way. Research is done by applying what is known (if anything), and building on it.
Additional knowledge can be discovered by proving existing theories and by trying
to better explain

 OBJECTIVE OF THE STUDY

1. To know investment objectives of PANCHAJANYA ELECTRONICS pvt ltd.
2. To explain the attitude towards risk at PANCHAJANYA ELECTRONICS pvt
ltd.
3. To analyze the attitude of price fluctuation at PANCHAJANYA
ELECTRONICS pvt ltd.
4. To evaluate investment rate of PANCHAJANYA ELECTRONICS pvt ltd.

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Risk return:
Returns are the gains or losses from a security in a particular period and are
usually quoted as a percentage. What kind of returns can investors expect from
the capital markets? A number of factors influence returns.
Risk In the investing world, the dictionary definition of risk is the chance that
an investment's actual return will be different than expected. Risk means you
have the possibility of losing some, or even all, of your original investment.
Low levels of uncertainty (low risk) are associated with low potential returns.
High levels of uncertainty (high risk)

Market Risk:
Market risk is the risk of losses in positions arising from movements in market
prices. There is no unique classification as each classification may refer to
different aspects of market risk. Nevertheless, the most commonly used types
of market risk.

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 CHAPTER III
Experiential Learning

DATA ANALYSIS AND INTERPRETATION

Table 1:

Age of overall respondents

Age No of respondents Percentage
18 – 25 years 52 52%
25 – 30 years 37 37%
30 – 35 years 10 10%
35 Above years 1 1%
Total 100 100%
Analysis:
From the above table analyzed that, 52% of respondents are at the age of 18-25
years and 37% of respondents are at the age of 25-30 years, rest of the 10%
respondents are at the age of 30-35 years and 1% are at the age of 35 above.

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Statement of the problem
The growth and success of the organization depends on the level of the customer‟s
satisfaction. So it is essential to make the customers satisfied by providing quality
customer services. It is necessary to know customer satisfaction levels regarding
PANCHAJANYA ELECTRONICS.
In this age of intense competition, the company wants to identify the factors that
make the most customer satisfaction possible, so that the company can help
existing customers create brand loyalty by attracting customers.
All of these issues led to a systematic and detailed survey of the company's
"customer perception towards the PANCHAJANYA ELECTRONICS.
Sample size
A total of 50 customers of PANCHAJANYA ELECTRONICS were selected as
sample size. These are also individuals who owned their products for at least a year
so at they could know their satisfaction level. The survey was conducted in the
chintamani.

Desk displaying the training qualification of the respondents of take a look

at Training
Training
Number % Valid Percentage Aggregate %
suitable Below 2 1.2 1.2 1.2
than
secondary
school
Secondary 24 15.0 15.0 16.2
school and
equivalent
PUC 55 34.4 34.4 50.6
Bachelor's 70 43.8 43.8 94.4
Degree
Master's 9 5.6 5.6 100.0
Degree
Total 160 100.0 100.0

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  RESEARCH METHODOLOGY
Research methodology consist of two types of services of data
 Primary data
 Secondary data

Primary data
Primary data is a first-hand information collected from the organization the
Research for the present study had collected primary data to structured
questionnaires, face to face interaction with the authority employees in
organization
Secondary data
Secondary data is a data which is readily available the research for the present
study had collected through various sources like manual of the company,
magazines, research article, website, journals, various books related to the
topic and other references were made.

 Sampling techniques
Survey was conducted with the help of structured questionnaires each sample
element was drawn individually from the population at large, which term as
unrestrictive sample this help in easier selection of respondent and to option the
required data. Sample design is represented by simple random sampling, this
hence to build a foundation for understanding the survey procedure by choosing
probability sample.
 Sampling unit
Comparison of the users and non-users of PANCHAJANYA ELECTRONICS pvt
limited

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  Sampling size
Sample size is limited to 100.
 Sampling method
Simple random sampling method was adopted to select the sample.

 Tools and technique

Questionnaires were the important tool to collect the data from the customer for
analysis. Data collected from various sources were analyzed and the statistical
techniques used for analyzing the data collection from all the sources is carefully
analyzed, tabulated and presented in the form of statistical tables so as to allow
inference based on which finding and conclusion regarding on image of
PANCHAJANYA ELECTRONICS.

 LIMITATIONS OF THE STUDY

1) Major limitation of the study is time constraint
2) The study is limited to the city of Bangalore
3) In depth research was not made
4) This study is conducted only in Bangalore and so is considered only by the
respondents in Bangalore.
5) A resolution is assumed to be true or appropriate, based on the assumption, that
answers given by the respondent are true.
6) If the time given to the study is low, more in the deep study will be done.
7) Answers from the target may be biased by their part's interest.
8) Certain respondent were hesitant and some of them were not willing to respond.

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 CHAPTER IV
Internship Outcomes and Conclusion

Findings
 Majority of the respondents belongs to the age of 18-15 year.
 Majority of the respondents are male.
 Majority of the respondents are unmarried.
 Majority of the respondents are from college education.
 From the above study most of the respondents occupation belongs to other
specify.
 Majority of respondents family size is 4-6.
 Majority of the respondents thinks that shares, fixed deposit, insurance
policies and other investment have high rate of risk.
 From the above study founds that share have 47% of high rate return, fixed
 deposit have 52% of very high rate return, insurance policies have 43% of
high rate return and other investment have 27% of high rate return on
investments.
 From the above study its found that most of the respondents are neutral to take
risk for achieving high return.
 Majority of 33% respondents have 2% to 3% of return on investment annually.
 From the above study it founds that most of the respondents concerned 10% to
15% about there portfolio.
 Majority 39% of respondents are agree that the investment always be greater
than if they have left the money on deposit.

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CONCLUSION

This study has basically helped to know about the employee‟s point of view about
risk and return also about the investment activities. Most of the respondents feel
that before investing protection for investment is most important. They think that
investing in capital appreciation has high rate of return. They have average
knowledge on investment certain activities should be taken to learn more about
investment. Capital appreciation is more preferred by the respondents instead of
capital prevention. They preferred high return on investment and some of them
have well knowledge about their investment also about risk and return on it
respondents have well maintained about their savings on investment.
It's far concluded that the assignment gives a clear image on the subject “A
observe ON customer notion” with the reference to PANCHAJANYA
ELECTRONICS toward their merchandise, striving its way long, alongside its
consumer to high-quality future. To be the great and the primary choice in the
market to cater to all patron desires. it's far the enterprise‟s endeavor to offer the
pleasant merchandise from the main manufacturers on the excellent viable prices at
the side of the obligation to take care of the purchaser after sales wishes,
consequently client belief plays a pivotal function in growing sales and
constructing up the logo. The faith that the customer have in emblem, is the bigger
strength and it is the long time imaginative and prescient to always honor that faith.

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RECOMMENDATION AND SUGGESTION

The following suggestions are provided on the basis of the above findings:
1. Company should register in stock exchange.
2. It should have different type of investment activities, it help in future growth
of the company.
3. Increase the safety for return on investment.
4. Market analysis should be made regularly so that one can keep on updating
the present situation and can minimize the consequence of incurring losses.
5. Be clear and consistent to build recognition and trust with investor on
investment activities.
6. As a new investor investing in the capital market its better to invest on long
term.
7. Investing in capital appreciation its better to invest in capital prevention for
protecting the money.
8. Analyses the proper rate of risk and rate of return.
9. Know the investment activities of employees.
10. Make a periodically survey on new investment which gives high return.

11.PANCHAJANYA ELECTRONICS focus is to grow nationally which can be

achieved by expanding their branches in smaller cities of the country.

12. Respondents feel PANCHAJANYA ELECTRONICS need to come up with

more offers retain its customers, by providing offers such at 50% discount sale,
lucky draws, free gifts on purchases of a particular amount etc..

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Bibliography
 Deshwal, P. (2016). Online advertising and its impact on consumer
behavior. International Journal of Applied Research 2(2), 2023-24
 Poulsen, H. M., & Fowler, A. H. (2024). A Comparative Analysis of the
Social Media Marketing Approaches of Ryanair and easyJet.

 www.goggle.com
 www.scribd.com
 www.PANCHAJANYA ELECTRONICS.com
 PANCHAJANYA ELECTRONICS wikipedia

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Annexures

This questionnaires has been designed in order to take little of your precious time
kindly answer the questions and do not hesitate to give your opinion and criticism
if any at the end.

1. Gender
⃝Male ⃝ Female
2. Age
⃝ Under 20 years ⃝ 21-30 years ⃝ 31-40 years
⃝ 41-50 years ⃝ 51-60 years ⃝ Above 60 years
3. Education
⃝ Below than secondary school ⃝ Secondary school and equivalent
⃝ College or PUC ⃝ Bachelor‟s Degree
⃝ Master‟s Degree ⃝ Doctoral degree
4. Occupation
a)Student b) Unemployed c) Employed d) Self Employed e) Retired
5. How many members are living in your House?
a)One b)Two c)Three d) Four e)Five f) Six g) Seven
6. Please mention the type of a House you are living in?
a)Independent House b)Duplex Apartment c) Others Please Specify
7. Have you Ever Purchased Products Online?
a) Yes b)NO

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