Download the excel here.

We recommend reading this chapter on Varsity to learn more and understand the concepts in-depth.


Key takeaways from this chapter

  1. Risk and Return go hand in hand. Higher the risk, the higher the Return. Lower the risk; lower is the Return.
  2. Invest in securing your future
  3. The corpus you intend to build at the end of the defined period is sensitive to the return rate the investment generates. A slight variation in rate can have a significant impact on the corpus.
  4. Choose an instrument that best suits your risk and return appetite.
  5. Equity should be a part of your investment if you want to beat inflation in the long run.

211 comments

  1. Gayaprasad Yadav says:

    Love the way they care for their customers… And upgrading knowledge of customers is one of the best way .. proud member❀️

  2. Anurag Jain says:

    Very excited to see zerodha versity in video series excellent effort from zerodha
    I am starting to see it from today I am in market from last 8 months.. and I have no doubt that it will add some more knowlege in my market experiance

  3. Manjunath C says:

    Very well explained and useful

  4. PRIYANK says:

    MAKE ALL THE VIDEOS IN HINDI ALSO

  5. sachin pawar says:

    Such a excellent work knowledge sharing is the best for those who are new in share market.

  6. Mahesha B K says:

    Hey Karthik,

    These are really very good information, for those who wants to understand equity system from scratch. Also Can I know if you’re available for the personal investment consultation? If yes, please let me know how i can reach out to you.

  7. Laxman Rawal says:

    Can you please provide key takeaways outside the video. Because, at the end of the video youtube suggests the next videos and there is the logo of varsity youtube channel.
    It would be really helpful and easy to read.

    Thank you πŸ™‚

  8. Anirudh says:

    Great work as always! The content on Varsity was as it is a great place to go and learn. I remember back in ’15-’16 when I would go on Varsity to brush up on topics I had learned previously but had long forgotten. Now, the newly added video series to each module is a welcome move as it would make certain difficult topics a lot easier to comprehend for learners.

    @Karthik Rangappa: Minor issue I noticed – The Varsity logo and the prompt for the next video, visible towards the end, is blocking the ‘Key takeaways’ section.

  9. Suraji G says:

    I am a type of person who loves to listen than self learning. Thank you so much for making such a great video. It helps people like me to learn. Zerodha is stepping more advance to make their customers to feel better. The way of explaining with drawings and images makes me to understand deeper and even children can learn about stock market more effectively. I saw the videos only by searching in YouTube. My request to zerodha, please send notification about this versity video series to all your customers. You are making a great work but I didn’t get any notifications related to this great work. This may help all investors to learn wisely.

    • Karthik Rangappa says:

      Thanks for the kind words, Suraji. For now you can subscribe to the youtube channel. But yes, we will do an email campaign to inform all.

  10. V SUBRAMANIAN says:

    The Video says “Download Excel File from the description”. But I could not do it from the description. Please guide me. Thanks & regards.

  11. Rajeev says:

    Sir, when will the videos on F&O be uploaded?

  12. Raj says:

    Great effort to present complex need for investments in simple terms.. enhancing investors knowledge..impresive

  13. Bikash Chakraborty says:

    I have got a clear conception about the three asset classes through this video. It will further help us if you write the key notes of discussion in the video description. Thanks for your support.

  14. Manu Mittal says:

    Hey thanks Zerodha for the informative videos…. just 1 suggestion : In Key takeaways section we won’t be able to read due to Zerodha logo and next video add. Anyways thanks for this L&D section.

  15. Aswini Mohanty says:

    I must confess that the present generation of investors are much more smarter and more knowledgeable than when I first put my hard earned Rs 500-/ into an IPO in the year 1987. I grew to a good corpus of around 5 lacs by 1994 and lost 80% in Harshad scam and again lost some money in 1997-98 bear scam and exit from market, because at that time nothing like your varsity content available.

    Zerodha has initiated confidence in people like me for investing ( I have one Zerodha account opend in Oct 21) even at this age of 65.

    Thank u Zerodha.

    • Karthik Rangappa says:

      Very happy to note that, Aswini and thanks for the kind words! Happy learning and I hope the markets will behave well this time πŸ™‚

  16. Devendra Anandrao Bhilare says:

    good

  17. Prathmesh Nalawade says:

    Thank you for Videos

  18. Ravi says:

    Thanks to all your selfless efforts of making it soo simple

  19. Ravikunar Epili says:

    Such an excellent knowledge you have shared and alongwith video is very helpful thanks zerodha varsity.

  20. geetha asoka kumar says:

    I tried calling the call centre to clear some doubts. But they are asking for 4 digit password.. Which I am not able to find on my profile. Please help

  21. DURGA NAND RAM says:

    ZERODHA VARSITY = ENGLISH β†’ HINDI β†’ VIDEO ENGLISH β†’ VIDEO HINDI ????…………..

  22. Shravan says:

    I am looking for the stock market lerning course .but thanks to zerodha versity to useful lessons for beginners without take any fees.so thank you guys

  23. Jitesh Patil says:

    The video content is very much helpful to understand the market, but is there any tutorial for intraday trading too

  24. Bhanu Surti says:

    I am unable to download the excel. It does not show any link please help. I do have an account with Zerodha

  25. Mohamed Shaheen says:

    I’m an NRI, but can I open an account with you with my Indian Bank account? Because I don’t have an overseas account as of now.

  26. Hiral Thakar says:

    The video content explained in a very well and appropriate way.The length of video is also proper so one cant distract.Thank you.

  27. ajmal valiyakath kasim says:

    ZERODHA…YOUR COMMITMENTS TO YOUR CUSTOMERS ALWAYS WOULD PAY YOU BACK….

  28. Komal says:

    It’s very useful to ,,,

  29. Kuldeep 5307 says:

    Hi, thanks …
    Understood the concept like the alphabets… i must appreciate the efforts to spread awareness

  30. Harsh says:

    In the excel sheet how 12% over 2,40,000 is 2,067,063 .Please rectify it.

  31. Richy says:

    Could you please explain how 12% of 2,40,000 is 2,067,063?

  32. Richy says:

    Okay understood but the formula in the excel gives a different answer right.
    240000*(1+12/100)*(20-1)=5107200.Please correct me if I am wrong

  33. Jasu Makwana says:

    Please Make all Videos in Hindi Language. Because Hindi is National Language, all Indians Peoples Easy to Understand in Hindi.

  34. Niladri Bihari Nayak says:

    Awesome initiative by Zerodha Varsity. Financial Education is must for everyone which is mostly missed out in our Indian Education System from school days. You fill that gap ! I am happy for what you do !

  35. Aarsh says:

    Hello! I am just starting out, do not have the Zerodha account, as I first thought of learning it out. I am bit confused about how the Varsity App and Website works.

    App : As I logged into the App via google to the App, and it doesn’t have the Video Series and also the Normal Text Modules are arranged quite differently when we compare App vs Website.

    Website : It has Video series but I’m unable find a way to login here to save progress, like in App.

  36. Manish Agarwal says:

    V useful n full of financial wisdom. Now I am going to study here atleast an hour or so daily for enhancing my financial skills. Hats off to Zerodha for this series.
    Thank u

  37. Kundan Kumar says:

    Muje pura book padhana h

  38. Shubham Rawat says:

    Excellent stuff from Zerodha and team specially Karthik Rangappa sir, teaming up with the Learnapp to provide high quality information to their customers and educating them with the basics to investing and that too free of charge.
    Just exceptional
    Kudos to Karthik Rangappa and team.

  39. Rashidur Rahaman says:

    Good learning.

  40. Anand says:

    All I want to say- I love you zerodha❀️

  41. AC says:

    Is there a way we can watch these videos in the Varsity app? It becomes easier to pick it up from where we finished last

  42. chris says:

    y a pas moyen de traduire les vidéos en Français? One ne comprends pas grands chose

  43. Priyanka Akshay Doiphode says:

    Simple way I found to learn stock market. Very good communication skills u have. very useful lecture.

  44. Sachin shirke says:

    Nice explained and very well usefull… ?

  45. Dr. Deepa Makhija says:

    The video mentions to find the link to the excel sheet for calculations in the description box. But I couldn’t find it. Can anyone please help with that ? Thanks.

  46. Shama ara says:

    Please send Learning chapter in hindi language

  47. Abhishek kumar says:

    good sir,
    you share great information in easy understanable language.
    you defeat most of seller in this field.

    thank you.

  48. Vinodini.h.s says:

    Happy Learning . Very well explain and it will be useful for me . Happy Learning 😊😊

  49. Arghya Sen says:

    Thank you Zerodha for such valuable insights and in depth study materials about various topics on Stock market!!!

  50. AMIT says:

    KINDLY MAKE THIS VIDEO IN HINDI ALSO TO UNDERTAND MORE

  51. Latha Nahar says:

    A very smooth and informative session….

    Keeping us hooked to the topic and creating curiosity for the next topic….

    Thank u

  52. Saumya says:

    Very nice initiative. Hope you guys keep adding and updating content from time to time. Kudos.

  53. Riya Dutta says:

    Such a great effort by Zerodha. I’m starting to listen it from today though I invest in the market since last year. And surely from this amazing varsity I will learn a lot and gain valuable knowledge. Thank you Zerodha for this great initiative.

    • Karthik Rangappa says:

      Glad to hear that Riya. We have a ton of content already in Youtube, please do check them out πŸ™‚

  54. Abhishek says:

    Can you let me know the calculations of the second table?(the 12% interest per annum one?)

  55. Samir Vasani says:

    How the gold return only 9% during 2009 to 2021.

    Can you please explain using actual figures?

  56. Lalit says:

    Very well designed tutorial. I have just started learning it.

  57. john nair says:

    Hi i have newly joined hope able to do good in stocks shares and get good returns
    regards
    john

  58. Sachidananda says:

    Namaste , Today I am new participant, pls guide me how to proceed in this new market and what to learn and what i have to take care

  59. Pabitra kumar polei says:

    Well introduction

  60. Samarkant Sharma says:

    Huge respect to the promoters of zerodha.
    They frequently advice people on the risks of indiscriminate trading by retailers even though it would affect their revenues.
    That’s called Moral Uprightness.

  61. Rahul says:

    Its gr8 with a small change we can make big change…

  62. Anupendra Kumar Todar says:

    Plz make all videos in Hindi language

  63. Paresh Saxena says:

    Hi Karthik,

    Earlier long before in Zerodha site I had seen in the Varsity section the free detailed study materials in each area, but it appears that they have now been replaced by video series now. Is it still available as I could not locate it ?

  64. Anju says:

    πŸ‘πŸΌ

  65. G.Sultana says:

    Hii Good evening..I am new here ..I want to earn more..so want to learn more.. I hope this is helpful for me..
    Thank you..for caring people who don’t have knowledge about this market 😊

  66. Meghana says:

    Such a excellent work knowledge sharing the best for those who are new in share market

  67. Rupinder says:

    I need pdf of all modules

  68. Poojitha says:

    Very informative video, but unable to find the excel sheet mentioned above.

  69. Noor says:

    Dear sir

    I am very new to trading. Is there a physical class at the zerodha centre?

  70. Ram says:

    I want learn investment system

  71. Ashok Patel says:

    I am a beginner.A very well explained and interesting. Would like to know more

  72. Rehan says:

    I love zerodha .. there customer care service too.

  73. Kaustubh says:

    the videos are gr8 , but in the last 15-20secs of the video, while seeing on youtube ; they get covered by channel and next video suggestions. Hence, pls keep last 15-20 secs blank. This will help us to really ready the Summary of the video!!/
    thanks for the amazing Videos!

    • Karthik Rangappa says:

      For that reason, we have put up the ket takeaways separately in the post, so that its easy to read through.

  74. Mokhinur says:

    I guess this is what I want to doπŸ˜‰

  75. Anand says:

    Dear Karthik Rangappa, while the varsity is great for many, to people like me, do you have ready investment page where we can go and say we want to invest in such a MF or set of MFs that fetches whatever our target amount in how many days/years and such results be able to invest and rake in riches?

    • Karthik Rangappa says:

      Anand, there is a chapter on how to build an MF portfolio. Please check that, and that will give you a quick perspective.

  76. Ram says:

    Ek achcha prayas hai new investor ko achha hai samjhane ke liye . hindi me bhi video banana chahiye.thanks

  77. Martin George Kuruvilla says:

    Really deserves appreciation .

  78. Manu Sharma says:

    Very good work. I was not aware of it.

  79. Mukri Mubeen Ahmad. says:

    Well shared investment guidance.

  80. Simran says:

    That’s good 😊

  81. Nagendra pd sharma says:

    Good idea about investment

  82. Sourav Hasda says:

    Thank you for the free content.

  83. keerthana says:

    it’s a clean ,clear, crisp and simple explanation. Thank you Varsity. AMAZING WORK.Please start more finance related course,I would love to learn from this source

  84. Shrutika singh says:

    Way of ellaborating the knowledge will definitely amaze the beginner nd actually will encourage to try some new sourcevor earning

  85. Lovely Sharma says:

    Helo sir kise ho ap mane bhut war ys karna ki sochi par as wera kush pata nai c fr ruk jinda fr ek den kise frnd ne thudi a wale said ta sarch karn nu keya ma pura dhan nal sb pad reha dakh reha next month dakho ki banada thanku so much!

  86. Lovely Sharma says:

    Aje kush smaj nai aya yr

  87. Sai Kumar says:

    Good explanation sir ..πŸ‘ŒπŸ‘ŒπŸ‘πŸ‘

  88. banshika says:

    Gain so much knowledge only by the 1 module …..definitely worth the time and the story was also inspire me a lot.

  89. Deepak Kumar says:

    What is the difference between a Bonus of shares and a Stock spit, as in both the cases the price of the share decreases and the shareholder gets compensated with the additional share pertaining to the value of the share price?

  90. Deepak Desai says:

    Excellent, just everything one wants to know to enter the market to trade or investment. I am using Zerodha since 1.5 years doing very good and varsity will help me to do better I hope.

  91. Ankur shreevastav says:

    I am intested by a zerodha but i have been not know in this use the money in invested the money.
    you help me to the tipes in scotkey market

  92. siddharth tiwari says:

    MAKE ALL THE VIDEOS IN HINDI ALSO

  93. Ishwarlal says:

    Sir, very good morning.
    I,m poor in English
    All these videos, modules, certificate s.
    Are available in Hindi if so
    Then I,ll happy & learn something from versity.
    Please available in Hindi language
    Thanks

  94. harsh kumar gupta says:

    videos hindi me aayegi to kaafi logo ko help mil jayegi

  95. DHRUV JAIN says:

    WATCHING VIDEOS IS ENOUGH OR DO WE NEED TO GO THROUGH THE THEOREY PART AS WELL? STARTING FROM TODAY!

  96. Shreya says:

    How to start trading.

  97. Vishesh mirotha says:

    Such a excellent wark knoledge sharing is thw best for those who are new in shre maket

  98. Vishesh mirotha says:

    Make all the video in hindi also

  99. UPEN says:

    In this video gold give 9% interest from 2009 to 2021 that’s a lie, because gold gets double in that period. Please do your homework carefully.

  100. Shohrab Nasir says:

    😍😍😍😍😍

  101. Abhishek says:

    It’s a nice platform to learn about stock market.

  102. Revathi says:

    I am a 4 years old member but just started learning from your videos… it looks very clear and interesting.
    Thank you Zerodha.

  103. Dr subash says:

    I am new to share market. It’s learning experience

  104. Narayan sahoo says:

    How to invest in FO

  105. Dhruv says:

    Can you make all videos in Hindi? or do You have Zerodha Varsity Hindi YT Channel?

  106. Rajiv says:

    An excellent way to explain what most educated Indians get confused with – Wealth creation from savings! A great tool for the Gen Z to learn early and scale up.

  107. Mahendra says:

    Muje trding shikni he

  108. pradeep says:

    great job zeroda

  109. Anil Kumar S says:

    The “key takeaway points” mentioned at the end of each video can’t be seen properly due to the Varsity logo and next video in the playlist.
    PLease have a look at the end of the video Link: https://youtu.be/GcZW24SkbHM?feature=shared&t=494

  110. Sanskriti says:

    I joined Zerodha a week ago & I am already delighted by their sheer commitment. Absolutely love the way Zerodha is going several steps ahead to ensure that their customers are not just satisfied but also driven & proud being its member.
    Keep up the good work! πŸ™‚

  111. Aashish says:

    I have restarted my journey after having to abandon my public sector job. Want to learn from basic to advanced and then invest using my Zerodha account. Kindly guide.

    • Karthik Rangappa says:

      Aashish, Varsity is a good place to start, request you to start from module 1, chapter 1. Wishing you the best in your journey.

  112. Ajay raj singh rathore says:

    Make all videos Hindi

  113. Harvinder Singh Mathyal says:

    Taking risks with investments can lead to higher returns, but it’s essential to choose wisely based on your comfort level and future plans. Investing in a way that matches your risk tolerance helps build a secure financial future.
    Thanks bro. very nice video

  114. Chidambar Belgaonkar says:

    Hello Sir…
    Can you please do it in hindi video?
    Thank you.

  115. Anirban Chakrabarty says:

    Very useful

  116. Praveen Ambler says:

    Very useful for beginners like myself

  117. Godwin says:

    Vidoes in english are cristal clear and understandable so let be, ” Keep it up”

  118. Amit Gupta says:

    Mere main Sara trade jo buy Kiya hai sb profit main hai pata nhi kyu ek bhi abhi tk loss nhi gya hai buy krne pe …ye real chart pe trading hota hai ya fake trading hai srif profit hei ho rha hai mujhe buy krne pe .

  119. Omkar says:

    Nice explanations.

  120. Ashray says:

    can you make video for how to read company Financial Statements

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