The document is a report on a study about awareness of mutual funds in Rajkot City, India. It finds that while 66% of respondents were aware of mutual funds, only 45% invested in them. The top reasons for not investing were a lack of knowledge about mutual funds and seeing them as a risky investment related to the stock market. It recommends that mutual fund companies increase education and awareness programs to help investors better understand the potential benefits of mutual funds.
Perception Of People Regarding Mutual Funds In IndiaAkash Patil
Mutual funds have opened new vistas to millions of small investors by virtually taking investment to their doorstep. In India, a small investor generally goes for such kind of information, which do not provide hedge against inflation and often have negative real returns. He finds himself to be an odd man out in the investment game. Mutual funds have come, as a much needed help to these investors. Thus the success of MFs is essentially the result of the combined efforts of competent fund managers and alert investors. A competent fund manager should analyze investor behaviour and understand their needs and expectations, to gear up the performance to meet investor requirements. Therefore, in this current scenario it is very important to identify needs of mutual funds investors, their preference for mutual funds schemes and its performance evaluation. In this research paper, researcher has an objective
To know preference of mutual funds investors and performance evaluation of the preferred schemes by the investors. The survey is undertaken of 100 educated investors of Ahmadabad and Baroda city and the major findings reveal the major factors that influence buying behaviour mutual funds investors, sources that investor rely more while making investment and preferable mode to invest in mutual funds market. The study will be immensely useful to the AMC'; s, Brokers, distributors and to the other potential investors and last but not least to academician as well.
A Project Report on - FINANCIAL PERFORMANCE OF LIC AND PRIVATE SECTOR LIFE...Karteek Chedadeepu
FINANCIAL PERFORMANCE OF LIC AND PRIVATE SECTOR LIFE INSURANCE COMPANIES IN INDIA
- A COMPARATIVE ANALYSIS USING CARAMEL MODEL..
This is my project report. I did my project on the financial performance of private and public sector of Life insurance companies India by using CARAMEL model.
Perception Of People Regarding Mutual Funds In IndiaAkash Patil
Mutual funds have opened new vistas to millions of small investors by virtually taking investment to their doorstep. In India, a small investor generally goes for such kind of information, which do not provide hedge against inflation and often have negative real returns. He finds himself to be an odd man out in the investment game. Mutual funds have come, as a much needed help to these investors. Thus the success of MFs is essentially the result of the combined efforts of competent fund managers and alert investors. A competent fund manager should analyze investor behaviour and understand their needs and expectations, to gear up the performance to meet investor requirements. Therefore, in this current scenario it is very important to identify needs of mutual funds investors, their preference for mutual funds schemes and its performance evaluation. In this research paper, researcher has an objective
To know preference of mutual funds investors and performance evaluation of the preferred schemes by the investors. The survey is undertaken of 100 educated investors of Ahmadabad and Baroda city and the major findings reveal the major factors that influence buying behaviour mutual funds investors, sources that investor rely more while making investment and preferable mode to invest in mutual funds market. The study will be immensely useful to the AMC'; s, Brokers, distributors and to the other potential investors and last but not least to academician as well.
A Project Report on - FINANCIAL PERFORMANCE OF LIC AND PRIVATE SECTOR LIFE...Karteek Chedadeepu
FINANCIAL PERFORMANCE OF LIC AND PRIVATE SECTOR LIFE INSURANCE COMPANIES IN INDIA
- A COMPARATIVE ANALYSIS USING CARAMEL MODEL..
This is my project report. I did my project on the financial performance of private and public sector of Life insurance companies India by using CARAMEL model.
I have found all primary data and secondary data for this project by my own efforts and the all data are 100% true according to my summer internship experience..Thanks
A Study on Investors' Perception Towards Mutual Funds and its Scopes in Indiaijtsrd
This study on Investors perception towards and recent development and progress of Mutual Fund investments. The mutual fund investors behaviors also the researcher concentrates only the urban investors. The rural investor`s views are completely excluded from the study. The mutual fund investments in relation to investors behavior. Investors opinion and perception has been studied relating to various issues like type of mutual fund scheme, investors opinion relating to factors that attract them to invest in mutual funds. Different investment avenues are available to investors. Mutual funds also offer good investment opportunities to the investors. Like all other investments, they also carry certain risks. The investors should compare the risks and expected yields after adjustment of tax on various instruments while taking investment decisions. M. Rangeela | Dr. G. Balamurugan"A Study on Investors Perception Towards Mutual Funds and its Scopes in India" Published in International Journal of Trend in Scientific Research and Development (ijtsrd), ISSN: 2456-6470, Volume-2 | Issue-3 , April 2018, URL: http://www.ijtsrd.com/papers/ijtsrd10950.pdf http://www.ijtsrd.com/management/accounting-and-finance/10950/a-study-on-investors-perception-towards-mutual-funds-and-its-scopes-in-india/m-rangeela
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EVALUATING PERCEPTION OF INVESTORS TOWARDS MUTUAL FUNDS & PERFORMANCE OF THE ...Nishant Kumar
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This study looks specifically into open-ended equity schemes. Returns have been calculated using daily closing values of NAV of the selected schemes. BSE-Sensex has been chosen as the market portfolio as a comparison basis here. Based on Sharpe, Treynor, and Jensen’s measure the historical performance of the selected schemes are evaluated, whose results will be useful for investors for taking better investment decisions.
A Study on Investors Perception towards Mutual Fund Investments (With Special...Dr. Amarjeet Singh
This examination on Investors acknowledgment
towards and late improvement and headway of Mutual Fund
premiums in Alwar city goes under the board an area of
organization publicizing. In the wide thought of organization
publicizing it exclusively centers around the exhibiting of cash
related organization specifically basic resources. Well ordered
Indian budgetary market is getting the chance to be engaged
and the supply of various fiscal instruments ought to be in
parity to the premium perspectives of the monetary
authorities. The prime drive of any hypothesis is to get most
extraordinary returned with a base danger and normal
resources allow to the budgetary masters. The examination
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mutual save plan. The data was assembled from shared save
budgetary authorities similarly as non basic store examiners of
this industry. The investigation bases on the association
between theory decision and factors like liquidity, cash related
care, and demography. It was found commonly safe resources
and liquidity of store plot are having influence on the
budgetary authority's acumen for placing assets into the
mutual save. With the more broad thought of the distinctive
components of organization publicizing, thing care, mark
tendencies, and money related authority's satisfaction are the
specific regions of the examination. The other displaying limits
like thing progression publicize division, channels of
exhibiting, thing life cycle, scale headway procedures and their
impact of Marketing are completely disposed of from the audit
of this examination. So likewise the availability of substitute
aftereffect of normal hold units and their impact on this
organization thing it also rejected in the examination. In
reality, even in the normal store monetary authorities lead also
the researcher concentrate only the urban theorists and their
anxiety for this examination work. The rustic speculator's
perspectives are totally barred from the investigation.
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1. A
SUMMER INTERNSHIP PROJECT REPORT
on
“A Study on Awareness About Mutual Fund In Rajkot City”
For
Kotak Asset Management Company Ltd
Submitted By
Abhimanyu Singh Rajput
Enrolment No.: 147340592001
Marwadi Education Foundation’s Group of Institutions- Rajkot
2. Industry Overview
The mutual fund industry in India started in 1963 with the formation of Unit Trust of India,
at the initiative of the Govt. of India and Reserve Bank.
It pools the money of several investors and invests this in stocks, bonds, money market
instruments and other types of securities.
There are 46 Mutual Fund Companies are operating in the sector, approximately 80 %
of the AUM concentrated with 8 of the leading players in the market
An asset managed by the Indian mutual fund industry has grown from Rs. 9.91 trillion in
May 2014 to Rs. 12.26 trillion in May 2015.
3. Advantages Of Mutual Fund from customers’
perspective
• Return on investment
• Systematic saving
• Value for money
• Good option as compared to other investment
avenues
• Average ROI (dependent upon market
performance)
• Tax saving
4. Company Overview
• Kotak Mahindra group, established in 1985 by Uday Kotak, is one of India’s leading
financial services conglomerates
• Kotak Mahindra Asset Management Company Limited (KMAMC), a wholly owned
subsidiary of Kotak Mahindra bank Limited (KMBL), is the Asset Manager for Kotak
Mahindra Mutual Fund (KMMF).
• KMAMC started operations in December 1998 and has approximately 7.5 Lac investors
in various schemes.
• KMMF offers schemes catering to investors with varying risk - return profiles and was the
first fund house in the country to launch a dedicated gilt scheme investing only in
government securities.
• The company is present in 76 cities and has 79 branches.
5. Research Objective
Primary objective
To measure the awareness of customers towards mutual funds
Secondary objectives
To study which modes of investments are preferred by the customers.
To understand important determinants which affect the selection of mutual fund
To examine the performance of mutual funds and to give suggestions.
6. Review of literature
S Prassanna & S Kumar (2014) mention that the general knowledge & awareness level among the
individual investors are so good. Mutual funds are cornering the maximum attention of the investors in today’s
scenario be it individual or corporate investors.
Desai & Joshi (2013) note that majority of the mutual fund investors invest in insurance sector which
emphasize their demand for safety and security of their funds. Majority of the mutual fund investors consider
balanced funds as a highly important type whereas the least preferred type is the tax saving funds.
Singh and Vanita (2002) The findings of the study were that the investors' preferred to invest in public
sector mutual funds with an investment objective of getting tax exemptions and stayed invested for a
period of 3-5 years and the investors evaluated past performance. The study further concludes by stating
that majority of the investors were dissatisfied with the performance of their mutual fund and belonged to
the category who held growth schemes.
7. Research Methodology
Research Design Descriptive Research
Sampling Method Convenience Sampling
Sample Size 100
Source Of The Data Primary :- Questionnaire
Secondary :- Fact sheet ,
pamphlets, websites, Journal.
Data Collection Instrument Questionnaire
Data Processing Microsoft Excel is used for
Statistical Data processing
8. Analysis Of Data
1) You belong to which of the following Category:
7%
8%
20%
20%
45%
Profession
Government Employee
Self Employed
Professional
Bussiness Person
Agriculturist
Private firm Employee
9. 2)What is percentage of savings from your total income ?
81%
17%
2%
0
0%
10%
20%
30%
40%
50%
60%
70%
80%
90%
< 25 % < 50 % < 75 % Others
% of Savings
10. 3)What are the factors to which you give priority when you invest ?
52%
30%
11%
5% 2%
Factors
Safety
High Return
Liquidity
Less Risk
Markeability
11. 4) Do you know about Mutual fund ?
66%
34%
0%
10%
20%
30%
40%
50%
60%
70%
Yes No
Awareness
Yes
No
12. 5) Do you Invest in Mutual fund ?
45%
55%
0%
10%
20%
30%
40%
50%
60%
Yes No
13. 6) What is your investment pattern ?
18%
33%
49%
0%
10%
20%
30%
40%
50%
60%
Monthly Lump Sum SIP/Lumpsum
Investment Pattern
Investment
Pattern No. Of Investors
Monthly 11
Lump Sum 23
SIP/Lumpsum 34
14. 7) What do you look before investing in particular mutual funds?
0%
10%
20%
30%
40%
50%
60%
NAV Ratings AMC Expert
advise
56%
4%
32%
8%
Criteria
Criteria
No. Of
Investors
NAV 21
Ratings 4
AMC 11
Expert advise 2
15. 8) You have invested in which type of Mutual fund Scheme ?
68%
15%
17%
Mutual Schemes
Equity Fund
Debt Fund
Hybrid Fund
16. 9) Is there any need for creating awareness among the public of
Rajkot about the benefits of Mutual Fund ?
98%
2%
Need For Creating awareness
Yes
No
17. 10)You have not invested in Mutual fund because :
0%
5%
10%
15%
20%
25%
30%
35%
40%
45%
A B C D E F
4%
3%
2%
34%
42%
15%
Reason for not investing
Sr.
No Reason for not investing
No. Of
Investors
A It’s not lucrative investment
instrument
4
B
No satisfactory return on
investment compared to others 3
C No safety for funds invested 2
D
Risky investment instrument
34
E No knowledge about how to
invest
42
F It is related to share market So,
it is risky and returns are not
guaranteed
15
18. Findings
In majority of the respondents the knowledge level is confined to good knowledge.
Approximately 34% of the respondents do not have proper knowledge about Mutual funds
and 66% of respondents are aware about mutual funds.
Most of the investors are aware about mutual fund but they are not investing in mutual fund
because of several reasons , some are not investing because it is related to share market
and it is a risky investment instrument
The investors in Rajkot are potential to invest to in mutual fund they only need proper
guidance and information about mutual fund
19. Limitations
Time constraint
Biased answers
Research limited for Rajkot city only
Sample size could have been expanded given more time
20. Suggestions
Mutual fund companies should try to educate the investors to invest in mutual funds through
regular awareness programs
Mutual Fund Agencies should spread the information about all the aspects of investing in
mutual funds.
Make investors aware about the benefits of investing mutual fund with their investment
objective. Retail participation in mutual funds is very low. It is therefore, required to increase the
reach by offering solutions to the investors based on their needs
21. Conclusion
Majority of the mutual fund investors invest Savings bank and Fixed Deposits which
emphasizes their demand for safety and security of their funds.
68% of investors shows their preference in Equity Schemes which shows that Equity
funds are more preferred by Investors than Debt & Hybrid funds
We can conclude that from the responses I received that there is a lack of proper
information about the mutual funds and government and mutual fund provider companies
should create more awareness about mutual fund’s benefits.
22. Bibliography
Kumar, S., & Kumar, S. (n.d). “Awareness and Knowledge Of Mutual Fund among the
Investors with reference to Chennai” 2(4), 4-4. doi:2014
Desai, D., & Joshi, M. (n.d). “A Study about Awareness of Mutual Funds Among the Investors
Of Navsari District.” 3(1), 13-13. doi:January 2013
Singh, and Vanita, (n.d). "Mutual Fund Investors' Perceptions and Preferences-A Survey.“3(1),
d.o.i:2002
www.kotak.com
www.assetmanagement.kotak.com
www.amfiindia.com
www.moneycontrol.com
www.valueresearchonline.com