Thursday, June 19, 2025
Date: 19-06-2025
Time: 3:00 PM– 4:00 PM
Venue: Seminar Hall, DYP DPU Dr D Y Patil B School
Resource Person: Mr. Sanjeev Bajaj
General Manager- Partnerships and Marketing
NISM
Participants: Students (Batch 2025-2027)
Faculty Coordinator: Mr. Laxmikant Shinde and Mr. Bhalchandra Deshpande
Organizer: DYP DPU Dr DY Patil B School
Objectives: To conduct a corporate session on “Financial Markets: The Untapped Powerhouse”, for the newly inducted students and prepare students for the upcoming Academic and Corporate Readiness.
Summary of the key takeaways from the class:
Sources and Users of Funds: Understanding that individuals and entities can be both sources (investors) and users (borrowers) of funds.
Financial Markets Ecosystem: The structure of financial markets, divided into money markets (short-term instruments, less than 365 days) and capital markets (long-term capital).
Direct vs. Indirect Investment: Differentiating between direct investments (where the investor decides where the money goes, e.g., buying shares) and indirect investments (where an intermediary decides, e.g., fixed deposits).
Transferability and Liquidity: The concept of transferability as a prerequisite for an instrument to be saleable and liquid.
Securities Market: A subset of the capital market consisting of instruments that are transferable.
360-Degree Transaction: The importance of returning value to the source of funds (investors) to maintain a healthy financial ecosystem.
Important Examples or Case Studies:
Education Loan: Used to illustrate that students taking loans are users of funds, not just sources.
Fixed Deposit (FD): An example of indirect investment.
Buying Shares/Bonds: Examples of direct investment.
Friend Lending Money: Illustrates the need for returns to motivate continued investment.
Insurance Policy: Used to explain why non-transferable assets are difficult to sell.
Buying a Bike: Used to illustrate the importance of transfer of ownership.
Additional Notes or Clarifications:
The instructor emphasized that regulators like RBI, IRDA, SEBI, and PFRDA protect the interests of retail investors.
The instructor highlighted the importance of understanding how financial markets work to tap into their potential.
The instructor explained that to make any instrument saleable, it has to be transferable.