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© APR 2022 | IRE Journals | Volume 5 Issue 10 | ISSN: 2456-8880
IRE 1703333 ICONIC RESEARCH AND ENGINEERING JOURNALS 56
Comparative Study on Performance Evaluation of Mutual
Funds with Reference to Banking Funds
BHADRAPPA HARALAYYA
Professor and HOD, Department of MBA, Lingaraj Appa Engineering College Bidar
Abstract- Shared store industry, is a standout
amongst the most rewarded venture alternatives over
the world, it assumes a significant part in the
financial advancements of a nation. Common asset
dynamic contribution can be seen by their
predominant nearness in the Currency advertise and
also capital market. They are additionally discovered
extremely in the stock exchange by the method for
guaranteed strength as a provider of substantial
subsidizes through consistent ingestion of coasting
stocks. A common store is an element as a trust which
pools cash of huge speculators and put the same in
the distinctive venture roads. Such offers, obligations
instruments, currency Advertise instruments,
government securities, settles stores , and so on these
venture Securities are professionally overseen for the
benefits of the financial specialist, otherwise called
the unit holders, who hold a virtous rata portfolio,
Coordinate drive on perplexing and sporadic money
related market activities, Since Family divisions offer
is significantly greate Climb of essential store in the
Indian situation is an eventual outcomes of
repressions on the managing a record an area to tap
the consequences of the capital market and the re
glance of the inspections stock brockers have much
to get in understanding examiners wants of them
,this as would empower the stockbrokers to serve
their customers to better and energize study
relationship with their customers. This examination
appropriately plans to give a ohase to understanding
what the customer needs and what is being given to
overcome any obstruction between client desire and
the real administration rendered. This data would be
valuable for the individuals who might want to
control and enhance the execution of their
admiration.
I. INTRODUCTION
Stock trade is a place in which stock dealers trade
stocks. Association could need to get their stock
recorded on stock substitute. A stock likewise be
obtaines and purchasesd handiest in the event that it is
recorded on a substitute. The trade supplies ongoing
purchased and offring understanding on the recorded
securities, encouraging rate disclosure. India’s most
noteworthy stock trade is the Bombay stock trade and
countrywide stock trade.
NATIIONAL STOCK EXCHANGE (NSE)
BOMBAY STOCK EXCHANGE (BSE)
II. RESEARCH DESIGN
2.1 STATEMENT OF PROBLEM:
LACK OF AWARENESS AMONG INVESTORS
HOW TO DIVERSIFY RISKS IN MUTUAL
FUND”,
2.2 NEED OF THE STUDY:
• The study considers mainly the five best –
performing Banking funds such as ICICI, Birla sun
life, Sundaram financial services, UTI ,Reliance
Banking funds.
• Around five specific mutual funds in banking
sector are compared inresprct of their risks and
return.
• The analysis is based on the NAV and return of
each mutual fund. Other AMC performance
indicators are not considered in the study. it takes
into account the yearly ooopening NAVs and
benchmark values
2.3 OBJECTIVE OF THE STUDY:
• To explore the financial performances of the
selected mutual funds schemes.
• To appraise the performance of the selected mutual
funds with risl adjustments. The theoretical
parameters recommended by Sharpe’s Treynor’s
index and Jenson’s
• To know the relationship between the selected
mutual funds and NSE Nifty Index.
© APR 2022 | IRE Journals | Volume 5 Issue 10 | ISSN: 2456-8880
IRE 1703333 ICONIC RESEARCH AND ENGINEERING JOURNALS 57
2.4 SCOPE OF THE STUDY
• Professional management
• Potential return
• Diversification
• Low cost
• Liquidity
• Transparency
• Flexibility
• Affordability
• Well regulated
2.5 RESEARCH METHODOLOGY
a) Data collection method:
• The following data collected are:
• The sample size for this study is 8 mutual fund
schemes
• 5 Years of yearly returns of particular selected 5
top performing banking sector funds.
• Yearly NAV values
• S &P BSE BANKER values taken as index
(market return)
b) Tools for Data collection:
Since the collected data are secondary forms of data,
where secondary data are readily available from other
sources and as such, there are no specific collection
method.
Statistical tools for Analysis
Sampling technique used in sample collection in
sample random.
Mean
Standard deviation
Beta
III. DATA ANALYSIS AND INTREPETATION
EQUITY FUND
SCHEME
BALANCED FUND
SCHEME
Franklin India Blue
Chip
Birla sun life Balanced
95
ICICI Predential 100
fund
HDFC Balanced fund
SBI Blue chip fund
growth
HDFC Preduntial fund
Motilal Oswal most
focused multicap 35
fund
ICICI Preduntial
Balanced Advantage
fund
Graph 3.1.1 Showing top 4 equity based mutual
funds with theirs AUM’s
Graph 3.1.2: Showing top 4 balanced funds with their
respective AUM’s
Graph 3.1.3 Showing the NAV of the top 4 equity
funds.
Graph 4.1.4: Showing the first year returns of the top
4 equity funds.
Graph 3.1.5: Showing 3 year returns of equity fund
schemes
© APR 2022 | IRE Journals | Volume 5 Issue 10 | ISSN: 2456-8880
IRE 1703333 ICONIC RESEARCH AND ENGINEERING JOURNALS 58
Graph 3.1.6: showing 5 year returns of equity fund
schemes
Graph 3.1.7 Showing NAV and 1 year returns of
balanced fund schemes.
Graph .3.1.8 showing 1 year return of balanced fund
schemes.
Graph 3.1.9 Showing 3-year return of fund schemes
3.1.10 Graph showing 5-year retuns of balanced fund
schemes
IV. SUMMARY OF FINDINGS,
SUGGESTIONS, RECOMMENDATIONS
AND CONCLUSION
4.1 FINDINGS
• Comparing the AUM’s of both equity and
balanced, balanced fund scheme ICICI Prudential
Balanced Advantage Fund is having the highest
AUM of 17,368 crorres compared to all other
schemes of bo;th equity and balanced fund
schemes
• But in equity schemes you have the highest AUM
of 10,934 ehich is of SBI blue chip fund growth
• Considering the NAV, Biarla sun life balanced 95
has the highest NAV of 658.21 which is a balanced
scheme.
• Whereas in equity the highest NAV is 402.267
whidch is a Franklin India blue chip.
• Taking into consideration about the performance
of schemes for last 3 years i. e from 2014-2017
both equity and balanced, balanced schemkes SBI
Blue chip fund Growth has a good growth
percentage of 20.76% followed by a balanced
schemes HDFC Prudence fund and then comes
HDFC Balanced Fund k
• From last 5 years i.e from 2012-17 the schemes
which is constantly giving good returns is SBI Blue
chip growth 19.09% and then comes which is an
equity fund, and then comes HDFC Balanced fund
which is a balanced fund with 17.24% returns.
In Relation to Returns
• ICICI Banking has the return of 19.37% Birla sun
life banking has the return of 18.57% sundaram
banking fund has the lowest return of 12.29%
whiach indicates the fund has the not performed
well while comaring to other banking funds;
• UTI Banking has the return kof 21.52%
dependence on the banking sector fund has the
most elevated return of 27.48 which indicates the
fund has performes well comparing to other
banking funds UTI ans Reliance bankinf funds
have performed well with high reurns and hifg risk
,so these are good investments schemes but
sundarm fianancial services fund has not
performed well with low returns and high risk
© APR 2022 | IRE Journals | Volume 5 Issue 10 | ISSN: 2456-8880
IRE 1703333 ICONIC RESEARCH AND ENGINEERING JOURNALS 59
In Relation to Beta
ICICI Banking has the beta value of 0.79 which
indicates that ICICI is in pace with the market
actions/changes and it also observed that 1% change
leads to 0.79% change in return, Birla Sun life banking
has the beta value of 0.67, which indiacates that1%
change leads to 0.69% change in returns, Sundaram
banking has the beta value of 0.78 which indicates that
1% change increases or decreases leads to 0.78%
change, in returns; UTI Banking has the beta value of
1.15 which indicates that the fund is leads above the
market benchmarks that is 1.00, and it is also observed
that if there is 1% increases or decrease of change
leads to 1.15% change in return which is more than
market changes raliance banking has the beta value of
1.26, which indicates that fund is lead above the
market benchmarks that is 1.00, and it is also observed
that if there is 1% increase/decrease of change leads to
1.26% change in return which is more than market
changes.
In Relation to Return and Risk
It is the watched that ICICI Banking segment fund has
the danger of 488.60, while the arrival is 19.374 which
shows the store has the hazard with direct returns;
Birla Sun life banking fund has the danger of 351.44,
while the arrival is 18.578 which demonstrates the
reserve has the generally safe with direct return;
Sundaram financial administration fund has the
hazard to the degree of 476.31, while the return arrival
is 12.292 which shows the store has the high hazard
with low returns; UTI Banking store has the danger of
1035.38 while the arrival is 21.52 which shows the
store has high hazard with direct returns; Reliance
Banking has the danger of1242.93, arrival is 27.488
which shows this store has the most elevated hazard
with significant yields.
REGRESSION RESULTS:
The results of the regression indicated the four
indicator like GDP, Inflation, Interest rates, Balance of
trade explained 81.8% impact on
returns of banking fund
4.2 SUGGESTIONS:
• If an investor is young and is someone who can
afford to take some risk then he always can go for
equity fund schemes as the returns will be as high
as you tend to take the same kind of risk, RISK
ALWAYS ACCOMPANIES RETURNS.
• If the investor is old and he is looking for some
mutual fund schemes where he expects moderate
returns, especially investing retirement / pension
amount then such people can always go for
balanced funds where they get decent returns and
need not be worried abot huge losses like in equity
funds.
• A good portfolio selection for the investment is
crucial for successful investment. To invest in
growth funds in times of recession appropriate
decesions.
From the above suggestions are:
• “Reliance and UTI mutual fund: these funds are
good for investment because they have high
returns and risks compare to other banking funds,
so it is best suitable for an investor who likes to
take high risks.
• “ICICI Banking fund has moderate return with
moderate risk. So, it best suitable for the moderate
risk taker”
• Sundadrdam financial services fund has less return
compare to risk involved in this fund, so these
funds are not good for investor to get better returns
• The investor must also consider the economic
factors affecting the banking sectors before
investing.
4.3 CONCLUSION:
Shared assests have turned into the speculator’s
vehicle of decision for long term haul contributing.
Common fund is on the most favoured speculation
options for the hazard deflect financial apecialists as it
offers opportunity to put resources into a broadened,
professionally took care of portfolio requiring little to
no effect. With acceleration on increment in household
reserve funds and increlment in venure through
capotal market has exhibited to be a standout amongst
the most viral instruments in creating critical capital
market has exhibited development in the caplital
market. Speculators ought not to put aimlessly in the
ventures previously experiencing the reality sheets;
yearly reports and so forth of the organization since,
as indicated by rules of SEBI the required or
applicable information must be uncovered that is most
important for a financial specialist for all contributing
© APR 2022 | IRE Journals | Volume 5 Issue 10 | ISSN: 2456-8880
IRE 1703333 ICONIC RESEARCH AND ENGINEERING JOURNALS 60
choics. The execution of saving money segment
stores. these measure helps in picking the best venture
conspire as indiacated by the hazard level like
generally safe takers, direct daring individuals and
high daring individuals. The after effects of the relapse
demonstrated the four indicators/ marketers like GDP
, Inflation, Interst rates, Balance of exchange clarified
0.818% effect on returns of saving money reserves.
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[24] BHADRAPPA HARALAYYA, P.S.AITHAL,
ANALYSIS OF BANK PRODUCTIVITY
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EFFICIENCY USING MEAN, International
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PRODUCTIVITYAND PROFITABILITY
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FACTOR PRODUCTIVITY BY
DISAGGREGATE LEVEL", International
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IRE 1703333 ICONIC RESEARCH AND ENGINEERING JOURNALS 62
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Journal of Advanced Research in HR and
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Country (2018). Journal for Studies in
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[36] Basha, Jeelan and Haralayya, Dr. Bhadrappa,
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30, 2021). Available at
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[37] Haralayya, Dr. Bhadrappa, The Productive
Efficiency of Banks in Developing Country With
Special Reference to Banks & Financial
Institution (april 30, 2019). Available at
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[38] Haralayya, Dr. Bhadrappa, Study on
Performance of Foreign Banks in India (APRIL
2, 2016). Available at
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[39] Haralayya, Dr. Bhadrappa, E-Finance and the
Financial Services Industry (MARCH 28, 2014).
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[40] Haralayya, Dr. Bhadrappa, E-payment - An
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[41] Bhadrappa Haralayya . "Customer Satisfaction at
M/s Sindol Bajaj Bidar" Iconic Research And
Engineering Journals, Volume 4 ,Issue 12, June
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[42] Bhadrappa Haralayya . "Ratio Analysis at NSSK,
Bidar" Iconic Research And Engineering
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170-182 Available at:
https://irejournals.com/formatedpaper/1702793.
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[43] Bhadrappa Haralayya . "Financial Statement
Analysis of Shri Ram City Union Finance"
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Volume 4, Issue 12,June 2021, Page 183-196
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[44] Bhadrappa Haralayya . "Employee Job
Satisfaction at Big Bazaar" Iconic Research And
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2021, Page 197-206 Available at:
https://irejournals.com/formatedpaper/1702795.
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[45] Bhadrappa Haralayya . "Effect of Branding on
Consumer Buying Behaviour at Vijay Bharat
© APR 2022 | IRE Journals | Volume 5 Issue 10 | ISSN: 2456-8880
IRE 1703333 ICONIC RESEARCH AND ENGINEERING JOURNALS 63
Motors Pvt Ltd, Bidar" Iconic Research And
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Issue 12,June 2021, Page 223-231 Available at:
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.pdf
[47] Bhadrappa Haralayya . "Study on Loans and
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Nayakaman, Bidar" Iconic Research And
Engineering Journals, Volume 4, Issue 12, June
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https://irejournals.com/formatedpaper/1702798.
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[48] Bhadrappa Haralayya . "Work Life Balance of
Employees at Karanja Industries Pvt Ltd, Bidar"
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Volume 4, Issue 12, June 2021, Page 243-254
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[49] Bhadrappa Haralayya . "Working Capital
Management at TVS Motors, Bidar" Iconic
Research And Engineering Journals, Volume 4,
Issue 12, June 2021, Page 255-265 Available at:
https://irejournals.com/formatedpaper/1702800.
pdf
[50] Haralayya, Dr. Bhadrappa, Testing Weak Form
Efficiency of Indian Stock Market – An
Empirical Study on NSE (April 30, 2021).
Emerging Global Strategies for Indian Industry
(ISBN: 978-81-910118-7-6), 2021, Available at
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[51] Haralayya, Dr. Bhadrappa, Top 10 Ways to
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2016). Available at
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[52] Bhadrappa Haralayya . "Advertising
Effectiveness With Reference to Big Bazaar"
Iconic Research And Engineering Journals,
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pdf
[53] Bhadrappa Haralayya . "Analysis of Non
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India" Iconic Research And Engineering
Journals, Volume 5, Issue 1,July 2021, Page 111-
121 Available at:
https://irejournals.com/formatedpaper/1702832.
pdf
[54] Bhadrappa Haralayya . "Ration Analysis With
Reference to DCC Bank" Iconic Research And
Engineering Journals, Volume 5, Issue 1, July
2021, Page 122-130 Available at:
https://irejournals.com/formatedpaper/1702833.
pdf
[55] Bhadrappa Haralayya . "Consumer Buying
Behavior With Reference to Bajaj Auto Ltd"
Iconic Research And Engineering Journals,
Volume 5, Issue 1, July 2021, Page 131-140
Available at:
https://irejournals.com/formatedpaper/1702834.
pdf
[56] Bhadrappa Haralayya . "Sales Promotion With
Reference to Yamaha Motor" Iconic Research
And Engineering Journals, Volume 5, Issue 1,
July 2021, Page 141-149 Available at:
https://irejournals.com/formatedpaper/1702835.
pdf
[57] Bhadrappa Haralayya . "Financial Statement
Analysis Using Common Size on Mahindra
Sindol Motors" Iconic Research And
Engineering Journals, Volume 5, Issue 1, July
2021 , Page 150-159 Available at:
https://irejournals.com/formatedpaper/1702836.
pdf
[58] Bhadrappa Haralayya . "Loans And Advances
with Reference to PKGB Bank" Iconic Research
And Engineering Journals, Volume 5, Issue 1,
July 2021, Page 160-170 Available at:
https://irejournals.com/formatedpaper/1702837.
pdf
[59] Bhadrappa Haralayya . "Study on Trend Analysis
at John Deere" Iconic Research And Engineering
Journals, Volume 5, Issue 1, July 2021, Page
171-181 Available at:
https://irejournals.com/formatedpaper/1702838.
pdf
© APR 2022 | IRE Journals | Volume 5 Issue 10 | ISSN: 2456-8880
IRE 1703333 ICONIC RESEARCH AND ENGINEERING JOURNALS 64
[60] Haralayya B, Aithal PS. Study on Cost
Efficiency in Indian and Other Countries
Experience. Journal of Advanced Research in
HR and Organizational Management 2021;
8(1&2): 23-30.
[61] Haralayya B, Aithal PS. Study on Theoretical
Foundations of Bank Efficiency. . Journal of
Advanced Research in Operational and
Marketing Management 2021; 4(2): 12-23.
[62] Haralayya B, Aithal PS. Study on Profitability
Efficiency in Indian and Other Countries
Experience. Journal of Advanced Research in
Quality Control and Management 2021; 6(2): 1-
10.
[63] S. Vinoth, Hari Leela Vemula, Bhadrappa
Haralayya, Pradeep Mamgain, Mohammed Faez
Hasan, Mohd Naved, Application of cloud
computing in banking and e-commerce and
related security threats, Materials Today:
Proceedings, 2021,ISSN 2214-7853,
https://doi.org/10.1016/j.matpr.2021.11.121.(htt
ps://www.sciencedirect.com/science/article/pii/
S2214785321071285).
[64] Bhadrappa Haralayya . "A Study on Customer
Satisfaction at TVS Vanish Motors Bidar" Iconic
Research And Engineering Journals Volume 5
Issue 9 2022 Page 117-127
[65] Bhadrappa Haralayya . "Consumer Buying
Behavior at Kailash Motors Bidar" Iconic
Research And Engineering Journals Volume 5
Issue 9 2022 Page 128-137
[66] Bhadrappa Haralayya . "Credit Risk of Canara
Bank Bidar" Iconic Research And Engineering
Journals Volume 5 Issue 9 2022 Page 138-149
[67] Bhadrappa Haralayya . "Effect of Branding on
Consumer Buying Behaviour in Bharat Ford
Bidar" Iconic Research And Engineering
Journals Volume 5 Issue 9 2022 Page 150-159
[68] Bhadrappa Haralayya . "Employee Engagement
at Kharanja Industry Pvt Ltd Humanbad" Iconic
Research And Engineering Journals Volume 5
Issue 9 2022 Page 160-170
[69] Bhadrappa Haralayya . "Employee Performance
Appraisal at Sri Veerabhadreshwar Motors
Bidar" Iconic Research And Engineering
Journals Volume 5 Issue 9 2022 Page 171-183
[70] Bhadrappa Haralayya . "Employees Traning and
Development at Mgssk Ltd Bhalki" Iconic
Research And Engineering Journals Volume 5
Issue 9 2022 Page 184-196
[71] Bhadrappa Haralayya . "Impact of Financial
Statement Analysis on Financial Performance in
Lahoti Motors Bidar" Iconic Research And
Engineering Journals Volume 5 Issue 9 2022
Page 197-206
[72] Bhadrappa Haralayya . "Impact of Ratio
Analysis on Financial Performance in Royal
Enfield (Bhavani Motors) Bidar" Iconic
Research And Engineering Journals Volume 5
Issue 9 2022 Page 207-222

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1703333 PAPER Comparative Study on Performance Evaluation of Mutual Funds with Reference to Banking Funds.pdf

  • 1. © APR 2022 | IRE Journals | Volume 5 Issue 10 | ISSN: 2456-8880 IRE 1703333 ICONIC RESEARCH AND ENGINEERING JOURNALS 56 Comparative Study on Performance Evaluation of Mutual Funds with Reference to Banking Funds BHADRAPPA HARALAYYA Professor and HOD, Department of MBA, Lingaraj Appa Engineering College Bidar Abstract- Shared store industry, is a standout amongst the most rewarded venture alternatives over the world, it assumes a significant part in the financial advancements of a nation. Common asset dynamic contribution can be seen by their predominant nearness in the Currency advertise and also capital market. They are additionally discovered extremely in the stock exchange by the method for guaranteed strength as a provider of substantial subsidizes through consistent ingestion of coasting stocks. A common store is an element as a trust which pools cash of huge speculators and put the same in the distinctive venture roads. Such offers, obligations instruments, currency Advertise instruments, government securities, settles stores , and so on these venture Securities are professionally overseen for the benefits of the financial specialist, otherwise called the unit holders, who hold a virtous rata portfolio, Coordinate drive on perplexing and sporadic money related market activities, Since Family divisions offer is significantly greate Climb of essential store in the Indian situation is an eventual outcomes of repressions on the managing a record an area to tap the consequences of the capital market and the re glance of the inspections stock brockers have much to get in understanding examiners wants of them ,this as would empower the stockbrokers to serve their customers to better and energize study relationship with their customers. This examination appropriately plans to give a ohase to understanding what the customer needs and what is being given to overcome any obstruction between client desire and the real administration rendered. This data would be valuable for the individuals who might want to control and enhance the execution of their admiration. I. INTRODUCTION Stock trade is a place in which stock dealers trade stocks. Association could need to get their stock recorded on stock substitute. A stock likewise be obtaines and purchasesd handiest in the event that it is recorded on a substitute. The trade supplies ongoing purchased and offring understanding on the recorded securities, encouraging rate disclosure. India’s most noteworthy stock trade is the Bombay stock trade and countrywide stock trade. NATIIONAL STOCK EXCHANGE (NSE) BOMBAY STOCK EXCHANGE (BSE) II. RESEARCH DESIGN 2.1 STATEMENT OF PROBLEM: LACK OF AWARENESS AMONG INVESTORS HOW TO DIVERSIFY RISKS IN MUTUAL FUND”, 2.2 NEED OF THE STUDY: • The study considers mainly the five best – performing Banking funds such as ICICI, Birla sun life, Sundaram financial services, UTI ,Reliance Banking funds. • Around five specific mutual funds in banking sector are compared inresprct of their risks and return. • The analysis is based on the NAV and return of each mutual fund. Other AMC performance indicators are not considered in the study. it takes into account the yearly ooopening NAVs and benchmark values 2.3 OBJECTIVE OF THE STUDY: • To explore the financial performances of the selected mutual funds schemes. • To appraise the performance of the selected mutual funds with risl adjustments. The theoretical parameters recommended by Sharpe’s Treynor’s index and Jenson’s • To know the relationship between the selected mutual funds and NSE Nifty Index.
  • 2. © APR 2022 | IRE Journals | Volume 5 Issue 10 | ISSN: 2456-8880 IRE 1703333 ICONIC RESEARCH AND ENGINEERING JOURNALS 57 2.4 SCOPE OF THE STUDY • Professional management • Potential return • Diversification • Low cost • Liquidity • Transparency • Flexibility • Affordability • Well regulated 2.5 RESEARCH METHODOLOGY a) Data collection method: • The following data collected are: • The sample size for this study is 8 mutual fund schemes • 5 Years of yearly returns of particular selected 5 top performing banking sector funds. • Yearly NAV values • S &P BSE BANKER values taken as index (market return) b) Tools for Data collection: Since the collected data are secondary forms of data, where secondary data are readily available from other sources and as such, there are no specific collection method. Statistical tools for Analysis Sampling technique used in sample collection in sample random. Mean Standard deviation Beta III. DATA ANALYSIS AND INTREPETATION EQUITY FUND SCHEME BALANCED FUND SCHEME Franklin India Blue Chip Birla sun life Balanced 95 ICICI Predential 100 fund HDFC Balanced fund SBI Blue chip fund growth HDFC Preduntial fund Motilal Oswal most focused multicap 35 fund ICICI Preduntial Balanced Advantage fund Graph 3.1.1 Showing top 4 equity based mutual funds with theirs AUM’s Graph 3.1.2: Showing top 4 balanced funds with their respective AUM’s Graph 3.1.3 Showing the NAV of the top 4 equity funds. Graph 4.1.4: Showing the first year returns of the top 4 equity funds. Graph 3.1.5: Showing 3 year returns of equity fund schemes
  • 3. © APR 2022 | IRE Journals | Volume 5 Issue 10 | ISSN: 2456-8880 IRE 1703333 ICONIC RESEARCH AND ENGINEERING JOURNALS 58 Graph 3.1.6: showing 5 year returns of equity fund schemes Graph 3.1.7 Showing NAV and 1 year returns of balanced fund schemes. Graph .3.1.8 showing 1 year return of balanced fund schemes. Graph 3.1.9 Showing 3-year return of fund schemes 3.1.10 Graph showing 5-year retuns of balanced fund schemes IV. SUMMARY OF FINDINGS, SUGGESTIONS, RECOMMENDATIONS AND CONCLUSION 4.1 FINDINGS • Comparing the AUM’s of both equity and balanced, balanced fund scheme ICICI Prudential Balanced Advantage Fund is having the highest AUM of 17,368 crorres compared to all other schemes of bo;th equity and balanced fund schemes • But in equity schemes you have the highest AUM of 10,934 ehich is of SBI blue chip fund growth • Considering the NAV, Biarla sun life balanced 95 has the highest NAV of 658.21 which is a balanced scheme. • Whereas in equity the highest NAV is 402.267 whidch is a Franklin India blue chip. • Taking into consideration about the performance of schemes for last 3 years i. e from 2014-2017 both equity and balanced, balanced schemkes SBI Blue chip fund Growth has a good growth percentage of 20.76% followed by a balanced schemes HDFC Prudence fund and then comes HDFC Balanced Fund k • From last 5 years i.e from 2012-17 the schemes which is constantly giving good returns is SBI Blue chip growth 19.09% and then comes which is an equity fund, and then comes HDFC Balanced fund which is a balanced fund with 17.24% returns. In Relation to Returns • ICICI Banking has the return of 19.37% Birla sun life banking has the return of 18.57% sundaram banking fund has the lowest return of 12.29% whiach indicates the fund has the not performed well while comaring to other banking funds; • UTI Banking has the return kof 21.52% dependence on the banking sector fund has the most elevated return of 27.48 which indicates the fund has performes well comparing to other banking funds UTI ans Reliance bankinf funds have performed well with high reurns and hifg risk ,so these are good investments schemes but sundarm fianancial services fund has not performed well with low returns and high risk
  • 4. © APR 2022 | IRE Journals | Volume 5 Issue 10 | ISSN: 2456-8880 IRE 1703333 ICONIC RESEARCH AND ENGINEERING JOURNALS 59 In Relation to Beta ICICI Banking has the beta value of 0.79 which indicates that ICICI is in pace with the market actions/changes and it also observed that 1% change leads to 0.79% change in return, Birla Sun life banking has the beta value of 0.67, which indiacates that1% change leads to 0.69% change in returns, Sundaram banking has the beta value of 0.78 which indicates that 1% change increases or decreases leads to 0.78% change, in returns; UTI Banking has the beta value of 1.15 which indicates that the fund is leads above the market benchmarks that is 1.00, and it is also observed that if there is 1% increases or decrease of change leads to 1.15% change in return which is more than market changes raliance banking has the beta value of 1.26, which indicates that fund is lead above the market benchmarks that is 1.00, and it is also observed that if there is 1% increase/decrease of change leads to 1.26% change in return which is more than market changes. In Relation to Return and Risk It is the watched that ICICI Banking segment fund has the danger of 488.60, while the arrival is 19.374 which shows the store has the hazard with direct returns; Birla Sun life banking fund has the danger of 351.44, while the arrival is 18.578 which demonstrates the reserve has the generally safe with direct return; Sundaram financial administration fund has the hazard to the degree of 476.31, while the return arrival is 12.292 which shows the store has the high hazard with low returns; UTI Banking store has the danger of 1035.38 while the arrival is 21.52 which shows the store has high hazard with direct returns; Reliance Banking has the danger of1242.93, arrival is 27.488 which shows this store has the most elevated hazard with significant yields. REGRESSION RESULTS: The results of the regression indicated the four indicator like GDP, Inflation, Interest rates, Balance of trade explained 81.8% impact on returns of banking fund 4.2 SUGGESTIONS: • If an investor is young and is someone who can afford to take some risk then he always can go for equity fund schemes as the returns will be as high as you tend to take the same kind of risk, RISK ALWAYS ACCOMPANIES RETURNS. • If the investor is old and he is looking for some mutual fund schemes where he expects moderate returns, especially investing retirement / pension amount then such people can always go for balanced funds where they get decent returns and need not be worried abot huge losses like in equity funds. • A good portfolio selection for the investment is crucial for successful investment. To invest in growth funds in times of recession appropriate decesions. From the above suggestions are: • “Reliance and UTI mutual fund: these funds are good for investment because they have high returns and risks compare to other banking funds, so it is best suitable for an investor who likes to take high risks. • “ICICI Banking fund has moderate return with moderate risk. So, it best suitable for the moderate risk taker” • Sundadrdam financial services fund has less return compare to risk involved in this fund, so these funds are not good for investor to get better returns • The investor must also consider the economic factors affecting the banking sectors before investing. 4.3 CONCLUSION: Shared assests have turned into the speculator’s vehicle of decision for long term haul contributing. Common fund is on the most favoured speculation options for the hazard deflect financial apecialists as it offers opportunity to put resources into a broadened, professionally took care of portfolio requiring little to no effect. With acceleration on increment in household reserve funds and increlment in venure through capotal market has exhibited to be a standout amongst the most viral instruments in creating critical capital market has exhibited development in the caplital market. Speculators ought not to put aimlessly in the ventures previously experiencing the reality sheets; yearly reports and so forth of the organization since, as indicated by rules of SEBI the required or applicable information must be uncovered that is most important for a financial specialist for all contributing
  • 5. © APR 2022 | IRE Journals | Volume 5 Issue 10 | ISSN: 2456-8880 IRE 1703333 ICONIC RESEARCH AND ENGINEERING JOURNALS 60 choics. The execution of saving money segment stores. these measure helps in picking the best venture conspire as indiacated by the hazard level like generally safe takers, direct daring individuals and high daring individuals. The after effects of the relapse demonstrated the four indicators/ marketers like GDP , Inflation, Interst rates, Balance of exchange clarified 0.818% effect on returns of saving money reserves. REFERENCES [1] Bhadrappa Haralayya . "Sales Promotion at Keshva Enterprise Bidar" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 223-232 [2] Bhadrappa Haralayya . "The Impact of Safety and Health Measures of Employees at KJD Pharma Bidar" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 233-242 [3] Bhadrappa Haralayya . "Comparative Analysis of Mutual Funds in Geojit Financial Services Ltd Gulbarga" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 243-251 [4] Bhadrappa Haralayya . "Cost Analysis at MGSSK Bhalki" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 252-258 [5] Bhadrappa Haralayya . "Employee Compensation Management at Vani Organic Pvt Ltd Bidar" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 259-266 [6] Bhadrappa Haralayya . "Employees Performance Appraisal of Chettinad Cement Gulbarga" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 267-277 [7] Bhadrappa Haralayya . "Ratio Analysis in Muthoot Finance Ltd Aurad" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 278-284 [8] Bhadrappa Haralayya . "Study on Promotion Mix Strategy Towards Big Bazaar Bidar" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 285-291 [9] Bhadrappa Haralayya . "Study on Sales Promotion Techniques Used by VKG Bajaj at Kalaburagi" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 292-298 [10] Bhadrappa Haralayya . "Working Capital Management in Hyundai Showroom Bidar" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 299-308 [11] BHADRAPPA HARALAYYA , P.S.AITHAL , PERFORMANCE AFFECTING FACTORS OF INDIAN BANKING SECTOR: AN EMPIRICAL ANALYSIS, George Washington International Law Review, Vol.- 07 Issue -01, April-June 2021, PAGE No : 607-621, Available at: http://archive-gwilr.org/wp- content/uploads/2021/06/Bhadrappa- Haralayya.pdf [12] BHADRAPPA HARALAYYA , P.S.AITHAL , TECHNICAL EFFICIENCY AFFECTING FACTORS IN INDIAN BANKING SECTOR: AN EMPIRICAL ANALYSIS, Turkish Online Journal of Qualitative Inquiry (TOJQI), Vol.- 12 Issue -03, June 2021, PAGE No : 603-620, Available at: https://www.tojqi.net/index.php/journal/article/v iew/791/242 [13] BHADRAPPA HARALAYYA , P.S.AITHAL , IMPLICATIONS OF BANKING SECTOR ON ECONOMIC DEVELOPMENT IN INDIA, George Washington International Law Review, Vol.- 07 Issue -01, April-June 2021, PAGE No : 631-642 Available at: http://archive- gwilr.org/wp- content/uploads/2021/06/Bhadrappa-Haralayya- 1.pdf [14] BHADRAPPA HARALAYYA , P.S.AITHAL ,STUDY ON PRODUCTIVE EFFICIENCY OF BANKS IN DEVELOPING COUNTRY, International Research Journal of Humanities and Interdisciplinary Studies (www.irjhis.com) ,Volume: 2, Issue: 5, May 2021, Page No : 184-194. Available at : http://irjhis.com/paper/IRJHIS2105025.pdf [15] Bhadrappa Haralayya ; P. S. Aithal . "Study on Model and Camel Analysis of Banking" Iconic Research And Engineering Journals ,Volume 4 ,Issue 11 ,May 2021 Page 244-259. Available at https://irejournals.com/paper-details/1702750 [16] Bhadrappa Haralayya and Aithal, P. S.. “Analysis of cost efficiency on scheduled commercial banks in India”. International
  • 6. © APR 2022 | IRE Journals | Volume 5 Issue 10 | ISSN: 2456-8880 IRE 1703333 ICONIC RESEARCH AND ENGINEERING JOURNALS 61 Journal of Current Research, Volume 13, Issue 06, June 2021, pp 17718-17725 Available at: https://www.journalcra.com/sites/default/files/is sue-pdf/41580.pdf [17] Bhadrappa Haralayya and P. S. Aithal, “A Study On Structure and Growth of Banking Industry in India”, International Journal of Research in Engineering, Science and Management ,Volume 4, Issue 5, May 2021.Page no 225–230. Available at: https://www.journals.resaim.com/ijresm/article/ view/778/749. [18] Bhadrappa Haralayya, Retail Banking Trends in India ,International Journal of All Research Education and Scientific Methods (IJARESM), Volume: 9, Issue: 5, Year: May 2021, Page No : 3730-3732. Available At http://www.ijaresm.com/uploaded_files/docume nt_file/Bhadrappa_Haralayyaqscw.pdf [19] BHADRAPPA HARALAYYA, P.S.AITHAL, FACTORS DETERMINING THE EFFICIENCY IN INDIAN BANKING SECTOR : A TOBIT REGRESSION ANALYSIS", International Journal of Science & Engineering Development Research (www.ijsdr.org), Vol.6, Issue 6, June-2021, page no.1 - 6, , Available :http://www.ijsdr.org/papers/IJSDR2106001.pdf [20] BHADRAPPA HARALAYYA , P.S.AITHAL , IMPLICATIONS OF BANKING SECTOR ON ECONOMIC DEVELOPMENT IN INDIA, flusserstudies, Volume 30, June 2021,Page No:1068-1080, Available at: https://flusserstudies.org/archives/801 [21] BHADRAPPA HARALAYYA, P.S.AITHAL, STUDY ON PRODUCTIVE EFFICIENCY OF FINANCIAL INSTITUTIONS, International Journal of Innovative Research in Technology, Volume 8, Issue 1, June-2021 ,Page no: 159 – 164, Available: http://ijirt.org/master/publishedpaper/IJIRT1515 14_PAPER.pdf [22] BHADRAPPA HARALAYYA , STUDY OF BANKING SERVICES PROVIDED BY BANKS IN INDIA, International Research Journal of Humanities and Interdisciplinary Studies (www.irjhis.com), Volume: 2, Issue: 6, Year: June 2021,Page No : 06-12, Available at : http://irjhis.com/paper/IRJHIS2106002.pdf. [23] BHADRAPPA HARALAYYA, P.S.AITHAL , ANALYSIS OF BANK PERFORMANCE USING CAMEL APPROACH", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), Vol.8, Issue 5, May-2021, page no 305-314, Available at : http://www.jetir.org/papers/JETIR2105840.pdf [24] BHADRAPPA HARALAYYA, P.S.AITHAL, ANALYSIS OF BANK PRODUCTIVITY USING PANEL CAUSALITY TEST, Journal of Huazhong University of Science and Technology, Volume 50, Issue 6, June-2021 , Page no: 1 – 16, Available at: https://app.box.com/s/o71lh776opeypauvzucp9e sntjwur9zf [25] BHADRAPPA HARALAYYA, P.S.AITHAL, INTER BANK ANALYSIS OF COST EFFICIENCY USING MEAN, International Journal of Innovative Research in Science, Engineering and Technology (IJIRSET), Volume 10, Issue 6, June-2021 ,Page no: 6391- 6397, Available at: http://www.ijirset.com/upload/2021/june/97_IN TER_NC1.pdf [26] BHADRAPPA HARALAYYA, P.S.AITHAL , ANALYSIS OF TOTAL FACTOR PRODUCTIVITYAND PROFITABILITY MATRIX OF BANKS BY HMTFP AND FPTFP, Science, Technology and Development Journal, Volume 10, Issue 6, June-2021, Page no: 190-203, Available at: http://journalstd.com/gallery/23-june2021.pdf [27] BHADRAPPA HARALAYYA, P.S.AITHAL , ANALYSIS OF BANKS TOTAL FACTOR PRODUCTIVITY BY AGGREGATE LEVEL, Journal of Xi'an University of Architecture & Technology, Volume 13, Issue 6, June- 2021 ,Page no: 296-314, available at: https://www.xajzkjdx.cn/gallery/28- june2021.pdf [28] Bhadrappa Haralayya, P S Aithal, "ANALYSIS OF BANKS TOTAL FACTOR PRODUCTIVITY BY DISAGGREGATE LEVEL", International
  • 7. © APR 2022 | IRE Journals | Volume 5 Issue 10 | ISSN: 2456-8880 IRE 1703333 ICONIC RESEARCH AND ENGINEERING JOURNALS 62 Journal of Creative Research Thoughts (IJCRT), Volume.9, Issue 6, June 2021, pp.b488-b502, Available at :http://www.ijcrt.org/papers/IJCRT2106187.pdf [29] Haralayya B. Importance of CRM in Banking and Financial Sectors Journal of Advanced Research in Quality Control and Management 2021, 6(1): 8-9 [30] Haralayya B. How Digital Banking has Brought Innovative Products and Services to India. Journal of Advanced Research in Quality Control and Management 2021; 6(1): 16-18 [31] Haralayya B. Top 5 Priorities That will Shape The Future of Retail Banking Industry in India. Journal of Advanced Research in HR and Organizational Management 2021; 8(1&2): 17- 18. [32] Haralayya B. Millennials and Mobile-Savvy Consumers are Driving a Huge Shift in The Retail Banking Industry. Journal of Advanced Research in Operational and Marketing Management 2021; 4(1): 17-19 [33] Nitesh S Vibhute ; Dr. Chandrakant B. Jewargi ; Dr. Bhadrappa Haralayya . "Study on Non- Performing Assets of Public Sector Banks" Iconic Research And Engineering Journals Volume 4, Issue, 12 June 2021, Page 52-61 Available at https://irejournals.com/formatedpaper/1702767. pdf [34] Haralayya, Dr. Bhadrappa and Saini, Shrawan Kumar, An Overview on Productive Efficiency of Banks & Financial Institution (2018). International Journal of Research, Volume 05 Issue 12, April 2018, Available at SSRN: https://ssrn.com/abstract=3837503 [35] Haralayya, Dr. Bhadrappa, Review on the Productive Efficiency of Banks in Developing Country (2018). Journal for Studies in Management and Planning, Volume 04 Issue 05, April 2018, Available at SSRN: https://ssrn.com/abstract=3837496 [36] Basha, Jeelan and Haralayya, Dr. Bhadrappa, Performance Analysis of Financial Ratios - Indian Public Non-Life Insurance Sector (April 30, 2021). Available at SSRN: https://ssrn.com/abstract=3837465. [37] Haralayya, Dr. Bhadrappa, The Productive Efficiency of Banks in Developing Country With Special Reference to Banks & Financial Institution (april 30, 2019). Available at SSRN: https://ssrn.com/abstract=3844432 or htt p://dx.doi.org/10.2139/ssrn.3844432 [38] Haralayya, Dr. Bhadrappa, Study on Performance of Foreign Banks in India (APRIL 2, 2016). Available at SSRN: https://ssrn.com/abstract=3844403 or htt p://dx.doi.org/10.2139/ssrn.3844403 [39] Haralayya, Dr. Bhadrappa, E-Finance and the Financial Services Industry (MARCH 28, 2014). Available at SSRN: https://ssrn.com/abstract=3844405 or htt p://dx.doi.org/10.2139/ssrn.3844405 [40] Haralayya, Dr. Bhadrappa, E-payment - An Overview (MARCH 28, 2014). Available at SSRN: https://ssrn.com/abstract=3844409 or htt p://dx.doi.org/10.2139/ssrn.3844409 . [41] Bhadrappa Haralayya . "Customer Satisfaction at M/s Sindol Bajaj Bidar" Iconic Research And Engineering Journals, Volume 4 ,Issue 12, June 2021, Page 157-169 Available at: https://irejournals.com/formatedpaper/1702792. pdf [42] Bhadrappa Haralayya . "Ratio Analysis at NSSK, Bidar" Iconic Research And Engineering Journals, Volume 4, Issue 12,June 2021, Page 170-182 Available at: https://irejournals.com/formatedpaper/1702793. pdf [43] Bhadrappa Haralayya . "Financial Statement Analysis of Shri Ram City Union Finance" Iconic Research And Engineering Journals, Volume 4, Issue 12,June 2021, Page 183-196 Available at: https://irejournals.com/formatedpaper/1702794. pdf [44] Bhadrappa Haralayya . "Employee Job Satisfaction at Big Bazaar" Iconic Research And Engineering Journals, Volume 4, Issue 12, June 2021, Page 197-206 Available at: https://irejournals.com/formatedpaper/1702795. pdf [45] Bhadrappa Haralayya . "Effect of Branding on Consumer Buying Behaviour at Vijay Bharat
  • 8. © APR 2022 | IRE Journals | Volume 5 Issue 10 | ISSN: 2456-8880 IRE 1703333 ICONIC RESEARCH AND ENGINEERING JOURNALS 63 Motors Pvt Ltd, Bidar" Iconic Research And Engineering Journals, Volume 4, Issue 12, June 2021, Page 207-222 Available at: https://irejournals.com/formatedpaper/1702796. pdf [46] Bhadrappa Haralayya . "Study on Customer Perceptions Guru Basava Motors, Bidar" Iconic Research And Engineering Journals, Volume 4, Issue 12,June 2021, Page 223-231 Available at: https://irejournals.com/formatedpaper/17027972 .pdf [47] Bhadrappa Haralayya . "Study on Loans and Advances for DCC Bank Main Branch Nayakaman, Bidar" Iconic Research And Engineering Journals, Volume 4, Issue 12, June 2021, Page 232-242 Available at: https://irejournals.com/formatedpaper/1702798. pdf [48] Bhadrappa Haralayya . "Work Life Balance of Employees at Karanja Industries Pvt Ltd, Bidar" Iconic Research And Engineering Journals, Volume 4, Issue 12, June 2021, Page 243-254 Available at: https://irejournals.com/formatedpaper/1702799. pdf [49] Bhadrappa Haralayya . "Working Capital Management at TVS Motors, Bidar" Iconic Research And Engineering Journals, Volume 4, Issue 12, June 2021, Page 255-265 Available at: https://irejournals.com/formatedpaper/1702800. pdf [50] Haralayya, Dr. Bhadrappa, Testing Weak Form Efficiency of Indian Stock Market – An Empirical Study on NSE (April 30, 2021). Emerging Global Strategies for Indian Industry (ISBN: 978-81-910118-7-6), 2021, Available at SSRN: https://ssrn.com/abstract=3837488 [51] Haralayya, Dr. Bhadrappa, Top 10 Ways to Improve the Communication Skills (JUNE 20, 2016). Available at SSRN: https://ssrn.com/abstract=3844410 or htt p://dx.doi.org/10.2139/ssrn.3844410 [52] Bhadrappa Haralayya . "Advertising Effectiveness With Reference to Big Bazaar" Iconic Research And Engineering Journals, Volume 5, Issue 1, July 2021, Page 101-110 Available at: https://irejournals.com/formatedpaper/1702831. pdf [53] Bhadrappa Haralayya . "Analysis of Non Performing Asset on Urban Cooperative Bank in India" Iconic Research And Engineering Journals, Volume 5, Issue 1,July 2021, Page 111- 121 Available at: https://irejournals.com/formatedpaper/1702832. pdf [54] Bhadrappa Haralayya . "Ration Analysis With Reference to DCC Bank" Iconic Research And Engineering Journals, Volume 5, Issue 1, July 2021, Page 122-130 Available at: https://irejournals.com/formatedpaper/1702833. pdf [55] Bhadrappa Haralayya . "Consumer Buying Behavior With Reference to Bajaj Auto Ltd" Iconic Research And Engineering Journals, Volume 5, Issue 1, July 2021, Page 131-140 Available at: https://irejournals.com/formatedpaper/1702834. pdf [56] Bhadrappa Haralayya . "Sales Promotion With Reference to Yamaha Motor" Iconic Research And Engineering Journals, Volume 5, Issue 1, July 2021, Page 141-149 Available at: https://irejournals.com/formatedpaper/1702835. pdf [57] Bhadrappa Haralayya . "Financial Statement Analysis Using Common Size on Mahindra Sindol Motors" Iconic Research And Engineering Journals, Volume 5, Issue 1, July 2021 , Page 150-159 Available at: https://irejournals.com/formatedpaper/1702836. pdf [58] Bhadrappa Haralayya . "Loans And Advances with Reference to PKGB Bank" Iconic Research And Engineering Journals, Volume 5, Issue 1, July 2021, Page 160-170 Available at: https://irejournals.com/formatedpaper/1702837. pdf [59] Bhadrappa Haralayya . "Study on Trend Analysis at John Deere" Iconic Research And Engineering Journals, Volume 5, Issue 1, July 2021, Page 171-181 Available at: https://irejournals.com/formatedpaper/1702838. pdf
  • 9. © APR 2022 | IRE Journals | Volume 5 Issue 10 | ISSN: 2456-8880 IRE 1703333 ICONIC RESEARCH AND ENGINEERING JOURNALS 64 [60] Haralayya B, Aithal PS. Study on Cost Efficiency in Indian and Other Countries Experience. Journal of Advanced Research in HR and Organizational Management 2021; 8(1&2): 23-30. [61] Haralayya B, Aithal PS. Study on Theoretical Foundations of Bank Efficiency. . Journal of Advanced Research in Operational and Marketing Management 2021; 4(2): 12-23. [62] Haralayya B, Aithal PS. Study on Profitability Efficiency in Indian and Other Countries Experience. Journal of Advanced Research in Quality Control and Management 2021; 6(2): 1- 10. [63] S. Vinoth, Hari Leela Vemula, Bhadrappa Haralayya, Pradeep Mamgain, Mohammed Faez Hasan, Mohd Naved, Application of cloud computing in banking and e-commerce and related security threats, Materials Today: Proceedings, 2021,ISSN 2214-7853, https://doi.org/10.1016/j.matpr.2021.11.121.(htt ps://www.sciencedirect.com/science/article/pii/ S2214785321071285). [64] Bhadrappa Haralayya . "A Study on Customer Satisfaction at TVS Vanish Motors Bidar" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 117-127 [65] Bhadrappa Haralayya . "Consumer Buying Behavior at Kailash Motors Bidar" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 128-137 [66] Bhadrappa Haralayya . "Credit Risk of Canara Bank Bidar" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 138-149 [67] Bhadrappa Haralayya . "Effect of Branding on Consumer Buying Behaviour in Bharat Ford Bidar" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 150-159 [68] Bhadrappa Haralayya . "Employee Engagement at Kharanja Industry Pvt Ltd Humanbad" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 160-170 [69] Bhadrappa Haralayya . "Employee Performance Appraisal at Sri Veerabhadreshwar Motors Bidar" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 171-183 [70] Bhadrappa Haralayya . "Employees Traning and Development at Mgssk Ltd Bhalki" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 184-196 [71] Bhadrappa Haralayya . "Impact of Financial Statement Analysis on Financial Performance in Lahoti Motors Bidar" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 197-206 [72] Bhadrappa Haralayya . "Impact of Ratio Analysis on Financial Performance in Royal Enfield (Bhavani Motors) Bidar" Iconic Research And Engineering Journals Volume 5 Issue 9 2022 Page 207-222