Hello Raju,
your requirement contain full list of customization which is primary required in system do start treasury.
Please check FSC010 or FSC110 standard study material for the same.
About the IPO you can used product type 010 and listed securities say for example Mutual fund you can use 02A. You have check client requirement based on same you can configured system.
Basic customization: Define product type, Transaction type,flow type, condition type.
There are many more customization which all your can find in FSC110.
About 2 question: I'm not clear about the requirement.Are you saying you took loan from bank and invested on Fixed deposit????
All the best with your project.
Regards,
Jain