This document provides an overview of a research study on SBI Mutual Funds. It includes an introduction, objectives, research methodology, data collection and analysis, findings, limitations, conclusions and recommendations. The methodology section describes a survey of 100 investors in Srinagar over 3 months to understand their preferences and awareness of mutual funds. Key findings indicate that most people prefer savings deposits over investment options and are unaware of mutual fund schemes. The conclusions recommend that SBI mutual funds improve awareness of their schemes, especially for the service sector as a core market, and highlight the tax benefits of mutual fund investments.

1. CONTENT

2. CONTENT
❏ Introduction.
❏ SWOT Analysis.
❏ Objective of the study.
❏ Research Methodology.
❏ Data analysis and interpretation.
❏ Findings.
❏ Limitations.
❏ Conclusion & Recommendations.
❏ Bibliography.
❏ Annexure.

3. What is Mutual Funds?

4. Mutual Fund is…
—
A trust that pools the savings of a number of investors who share a common
financial goal.
—
Anybody with an investible surplus of as little as a few thousand rupees can invest in
Mutual Funds.
—
These investors buy units of a particular Mutual Fund scheme that has a defined
investment objective and strategy.
—
The money collected is invested by the fund manager in different types of securities.
These could range from shares to debentures to money market instruments,
depending upon the scheme’s stated objectives.
—
The income earned through these investments and the capital appreciation realized
by the scheme are shared by its unit holders in proportion to the number of units
owned by them.

5. Flow Chart of Mutual Fund..

6. About SBI Mutual Fund..
—
SBI Mutual Funds is among one of the non-banking
subsidiaries of State Bank of India (SBI).
—
SBI Mutual Fund is one of the best and the top mutual
fund investment company among mutual funds
companies in India. SBI mutual fund offers variety of
funds.
—
SBI mutual funds are sponsored by India's largest bank.

7. Advantage of Mutual Funds
—
Portfolio Diversification
—
Professionally Management
—
Diversification of Risk
—
Wide Choice to Investor for MF
—
Liquidity
—
Convenience & flexibility
—
Transparency

8. Disadvantage of Mutual Fund
—
No Control Over Cost
—
Redemption Charges if Withdrawn
—
No Standard Portfolios
—
No Guarantee of Returns
—
Subject to Market Risk

9. SWOT ANALYSIS

11. To study the various offers and services of the company, ranging
from equities, commodities, portfolio management etc.
> To predict, analyze and know the future return potential of various
Funds offered by SBI.
> To study the preference of investors in today’s scenario (less risk
and more return).
> To study market potentiality of mutual fund among investors.
> To study various investment alternatives and in particular investors
preference towards mutual funds.

12. RESEARCH METHODOLOGY
—
Research methodology is a way of systematically solving the research
problem. It may be understood as a science of studying how research is
done scientifically.
SAMPLNG DESIGN
Sample Size: 100
Study Area: SBI Mutual Funds, Srinagar
Duration : 3 months
Sampling Technique: Survey method

13. COLLECTION OF DATA
—
Primary data
The sampling method chosen is Area Sampling. As the primary sampling
unit represents a cluster of units based on geographic area. The
geographical area chosen for individual customers was at SBI Bank (M.A
Road Branch.)
—
Secondary data
Secondary research gathers existing information through available sources.
Data collection was done through recognized sources and then compared

14. DATA ANALYSIS AND INTERPRETATION

26. FINDINGS
—
According to survey it was revealed that the people of Srinagar are not
aware of various investment opportunities.
—
Majority of people still prefer saving deposits over other investment options.
—
It was also found that most people don’t show positive response for these
schemes.
—
People were mostly interested in interest rates.
—
Mutual Fund objectives and respondents categories are found to be
independent.

27. SUGGESTIONS
—
Investor should be made aware of the schemes existing in market
according to their portfolio.
—
SBI mutual funds should attract investors to invest in mutual funds by
introducing new schemes.
—
As majority of the respondents are in service, this is the core market area
to be concentrated on.
—
Tax benefits occurring out of investing from mutual funds must be
highlighted in the service sector.

28. BIBLIOGRAPHY
—
References:
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Brochure of the company.
—
Investment Management VK. Bhalla.
—
Company Fact Sheet.
Mutual Funds Review
Mutual Fund Performance :
W. Sharpe
—
Websites Visited:
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www.mutualfundsindia.com
—
www.sbimf.com
—
www.sbionline.com
—
www.moneycontrol.com
—
www.mutualfundsindia.com
—
www.valueresearchonline.com
—
www.amfiindia.com
—
www.sbigroupbank.com
—
www.investmentz.com
—
www.bluechipindia.co.in
—
www.utimf.com
—
www.amfiindia.com
—
www.5paise.com
—
www.indiainfoline.com
—
www.nseindia.com

29. ANNEXURE
QUESTIONNAIRE FOR ANALYZING MUTUAL FUNDS AS INVESTMENT OPTION
Name: ___________________________________________
Address: ___________________________________________________________
Contact No. ______________
Email ID (if any): ____________________________________________________

30. Gender
Male_______ Female______
Age:- _____
Occupation:
Household____ Business____ Service___
Professional______ Retired___ Student
_____
Annual Income:
One Lakh 1 – 2 Lakh
2 – 3 Lakh Above 3 Lakhs

31. Q.1.Why do you invest in mutual funds? (Tick the Option)
a)Safety b) Good Return c) Tax Benefit d) Capital Appreciation e) Liquidity f)Others
(Please Specify………………………………………)
Q.2.Which fund from SBI have largest share in your “PORTFOLIO”.
_____________________________________________________________
Q.3.Through which channels do you invest in Mutual fund? (Tick the option)
a) Directly b) Through intermediaries
Q.4 How much is your investment horizon? (Tick the option)
a) Within a year b)Between 1 – 3years c) More than 3 years

32. Q.5 How much amount do you invest in Mutual funds? (Tick the option)
a) < Rs.50000 b) Between Rs.50000- Rs.100000 c)>Rs. 100000
Q.6. Are you willing to tolerate decreases in the value of your account from one month
to the next? (Tick the Option)
(a) Not at all (b) Somewhat (c) Definitely
Q.7.What is your risk preference?
a) High risk and high return b)Moderate risk and Moderate return c) Low risk and low
return
Q.8.How satisfied you are with your experience of investing in SBI Mutual Funds?
Highly Satisfied Considerably Satisfied Reasonably Satisfied
Unsatisfied Highly Unsatisfied

33. Q.9. Which Fund House has largest share in your Investment Portfolio:
(Mention it)
_______________________________________________________________
Q. 10. Scheme Preferences: (Tick the Option)
a) Equity b) Debt c) Balanced d) Fixed Maturity Plan (FMPs) e) Others (Please
Specify----------------------------)
Q.11 Saving Preference: (please rank them):
(a)Life Insurance (b)Pension and PF Schemes (c)Bank Deposit (d)Shares and Debentures
(e)Units of MFs like SBI (f)Gold/Jeweler
(f)Others (Please Specify-------------------------------------)

34. Q.12. Preferable route to Mutual Fund Investing: (Tick the option)
(a)Friend’s Suggestion (b) Newspapers/Magazines (c) Self Decision
(d) Television (e) Brokers/Agents (f) others (Please Specify-------------------
-----------------)
Q.13.You Prefer:
(a)Open Ended Scheme (b) Close Ended Scheme (c) Interval Scheme
Q.14.How much of your income you able to save:
Below 5% 5 -10% 10-15% 15-20% 20-25%
ABOVE 25

35. Q. 15.Rank following factors that you consider while selecting a scheme:
a) Scheme Qualities like track record, fund size, entry load etc.
b) Fund Manager Experience
c) Investor Services like disclosure of NAV, A/C statements.
d) Marketing of funds through bill boards, relatives, friends, brokers etc
What are your valuable suggestions for the improvement of SBI Mutual Funds
schemes?
______________________________________________________________________________
______________________________________________________________________________
Thank You for Co-operating