Mutual Funds

DATA COLLECTION
STATEMENT OF MUTUALFUNDS OF SAHARA COMPANY

Date
NAV(rs)
Return
avg
diff
d*d
1/1/2012
10.73
4/1/2012
10.72
-0.0932
0.039259
-0.0932
-0.01755
5/1/2012
10.71
-0.0933
0.039259
-0.1325
0.017567
6/1/2012
10.71
0.039259
0.03926
0.001541
7/1/2012
10.69
-0.1867
0.039259
-0.226
0.060116
8/1/2012
10.71
0.18709
0.039259
0.14783
0.021854
11/1/2012
10.71
0.039259
0.03926
0.001541
12/1/2012
10.69
-0.1867
0.039259
-0.226
0.060116
13/1/2012
10.7
0.09355
0.039259
0.05429
0.002947
14/1/2012
10.74
0.37383
0.039259
0.33457
0.111939
15/1/2012
10.73
-0.0931
0.039259
-0.1324
86698818
18/1/2012
10.75
0.18639
0.039259
-0.2062
0.042518
19/1/2012
10.76
0.09302
0.039259
0.05376
0.002891
20/1/2012
10.76
0.039259
0.03926
0.001541
21/1/2012
10.8
0.37175
0.039259
0.33249
0.110548
22/1/2012
10.78
-0.1852
0.039259
-0.0207
0.00043
25/1/2012
10.79
0.09276
0.039259
0.05351
0.028628
27/1/2012
10.82
0.27804
0.039259
0.23878
0.057014
28/1/2012
10.83
0.09242
0.039259
0.05316
0.002826
29/1/2012
10.81
-0.1847
0.039259
-0.2239
0.050145
0.57413902
Average return=0.039259
Risk=D*D/(n-1)
=0.57413902/(19-1)
=0.03189
INTERPRETATION:
The above Table shows risk and returns of Sahara company. The avg
return is 0.039259and risk is =0.031897. The company has the highest =10.83
NAV. And lowest price is 10.7
Statement of mutualfunds of SBI
price of
DATE
NAV(RS)
RETURN
AVG
DIFF
D*D
4/1/2012
10.78
5/1/2012
10.89
1.0101
-0.29039
1.300491
1.6913
6/1/2012
10.88
-0.092
-0.29039
0.19856
0.0394
7/1/2012
10.88
-0.29039
-0.29039
0.0843
8/1/2012
10.85
-0.276
-0.29039
0.01465
0.0002
11/1/2012
10.93
0.7373
-0.29039
1.027717
1.3126
12/1/2012
10.83
-0.915
-0.29039
-0.62452
-0.39
13/1/2012
10.88
0.4617
-0.29039
0.752071
0.5656
14/1/2012
10.95
0.6434
-0.29039
0.933772
0.8719
15/1/2012
10.97
0.1826
-0.29039
0.473038
0.2238
18/1/2012
11.06
0.8204
-0.29039
1.110809
1.2339
19/1/2012
10.93
-1.175
-0.29039
-0.88502
0.7833
20/1/2012
10.94
0.0915
-0.29039
0.381881
0.1458
21/1/2012
10.68
-2.377
-0.29039
-2.08621
4.3523
22/1/2012
10.55
-1.217
-0.29039
-0.92684
0.859
25/1/2012
10.47
-0.758
-0.29039
-0.4679
0.2189
27/1/2012
10.14
-3.152
-0.29039
-2.86147
8.188
28/1/2012
10.2
0.5917
-0.29039
0.882106
0.7781
29/1/2012
10.22
0.1961
-0.29
-0.29039
0.486468
0.2367
21.195
Average return=-0.-29039
Risk=d*d/(n-1)
=21.195/(19-1)
=0.255767
INTERPRETATION
The above table shows the risk returns of SBI company.The avg returns is-0.29039and the
risk is=0.255767
The company has the highest value=11.06 is price NAV and lowest price is=10.2
Statement of mutualfunds of Shinsel Asset Management
date
Nav
return
avg
diff
d*d
4/1/2012
29.56
5/1/2012
29.55
-0.034
0.084869
-0.1187
0.01409
6/1/2012
29.55
0.084869
0.084869
0.072027
7/1/2012
29.53
-0.068
0.084869
-0.15255
-0.02327
8/1/2012
29.55
0.0677
0.084869
-0.01714
0.000294
11/1/2012
29.57
0.0677
0.084869
-0.01719
0.000295
12/1/2012
29.54
0.084869
0.084869
0.072027
13/1/2012
29.55
0.0339
0.084869
-0.05102
0.002603
14/1/2012
29.59
0.1354
0.084869
0.050495
0.00255
15/1/2012
29.59
0.084869
0.084869
0.007203
18/1/2012
29.62
0.1014
0.084869
0.016517
0.000223
19/1/2012
29.62
0.084869
0.084869
0.072027
20/1/2012
29.63
0.0338
0.084869
-0.05111
0.002612
21/1/2012
29.66
0.1012
0.084869
0.05238
0.002744
22/1/2012
29.66
0.084869
0.084869
0.072027
25/1/2012
29.67
0.0337
0.084869
-0.01515
0.002295
27/1/2012
26.68
-10.08
0.084869
-10.1624
103.2744
28/1/2012
26.68
0.084869
0.084869
0.007203
29/1/2012
29.65
11.132
0.084869
11.04706
122.0375
225.6189
Risk=d*d/(n-1)
=
0.834479
INTERPRETATION
The above table shows the risk returns of SHINSEL asset management
The avg returns of the company is=0.084869and risk is=0.834479
The company has the highest value is =29.68 is price of NAV and the Lowest vale is=29.53
Statement of mutualfunds of Sundaram
Date
Nav(rs) Return Avg
Diff
D*D
4/1/2012
14.12
5/1/2012
14.22 0.7082 -0.28056 0.98878
0.97768
2
0.5625
9
-0.1399
-0.2801
0.0702
2
0.0701
8
0.2805
0.6293
7
6//1/2012
7/1/2012
8/1/2012
14.3
14.28
14.24
11/1/2012
14.25
12/1/2012
13/1/2012
14.26
14.3
14/1/2012
14.39
15/1/2012
18/1/2012
14.38 -0.0695
0.0695
14.39
4
19/1/2012
14.3 -0.6254
-0.28056
20/1/2012
14.24 -0.4196
-0.28056
21/1/2012
13.96 -1.9663
-0.28056
22/1/2012
13.88 -0.5731
-0.28056
25/1/2012
13.72 -1.1527
-0.28056
27/1/2012
28/1/2012
13.23 -3.5714
13.37 1.0582
0.2991
13.41
8
-0.2806
-0.28056
-0.28056
29/1/2012
Average return=-0.280560.
-0.28056 0.84315
-0.28056 0.1407
-0.28056 0.00045
0.7109
0.01975
2E-07
-0.28056 0.35079
0.12305
-0.28056 0.35074
-0.28056 0.56107
0.12302
0.31479
-0.28056 0.90993
-0.28056 0.35005
0.82797
-0.28056
0.3501
0.34487
0.13902
1.68573
0.29251
0.87218
3.29087
1.33876
0.12257
-0.28056 0.57974
0.33609
20.1267
0.12254
0.11894
0.01933
2.84169
0.08556
0.7607
10.8298
1.79228
Risk=d*d/(n-1)
=20.1267/(19-1)
=0.292384
INTERPRETATION
The above table shows the risk returns of SUNDARAM
MUTUALFUNDS The avg returns of the company is=-0. 280560nd risk of the company
is=0.292384
The company has the highest value is=14.39 is price of NAV and the lowest value is=13.23
Statement of mutual funds of UTI
Date
4/1/2012
NAV(rs)
Return
Avg
Diff
D*D
11.57
0.1728
6 0.0254
5/1/2012
11.59
0.14746
0.02174
6/1/2012
11.58 -0.0863 0.0254 -0.11168

0.0863
11.59
6 0.0254 0.06095
0.01247
11.59
-0.0254
0.00065
0.06088
0.00371
11.59 -0.0862 0.0254 -0.11161

0.0862
11.6
8 0.0254 0.06088
0.01246
7/1/2012
11/1/201
2
12/1/201
2
13/1/201
2
14/1/201
2
15/1/201
2
18/1/201
2
19/1/201
2
20/1/201
2
21/1/201
2
22/1/201
2
25/1/201
2
27/1/201
2
28/1/201
2
29/1/201
2
11.6
0 0.0254
0.0862
8 0.0254
0.00372
0.00371
11.6
0 0.0254
-0.0254
0.00065
11.6
-0.0254
0.00065
11.61
0 0.0254
0.0862
1 0.0254
0.0608
0.0037
11.61
0 0.0254
-0.0254
0.00065
11.61
0 0.0254
0.0861
3 0.0254
-0.0254
0.00065
0.06073
0.00369
-0.0254
0.00065
0.06066
0.00368
-0.172 0.0254 -0.19737

0.0861
3 0.0254 0.06073
0.03896
11.62
11.62
11.63
11.61
11.62
0 0.0254
0.0860
6 0.0254
0.0254
0.00369
0.1153
8
Risk=d*d/(n-1)
=0.11538/(18-1)
=0.019981
INTERPRETATION
The above table shows the risk returns of UTI MUTUALFUNDS The
avg returns of the company is=0.0254and risk of the company is=0.019981
Statement of mutualfunds of BIRLA SUNLIFE

Date
NAV(rs)
3/1/2012
14.92
4/1/2012
14.92
5/1/2012
14.92
6/1/2012
14.93
7/1/2012
14.93
8/1/2012
14.93
10/1/201
2
14.93
11/1/201
2
14.93
12/1/201
2
14.93
13/1/201
2
14.93
14/1/201
2
14.94
15/1/201
2
14.94
17/1/201
2
14.94
18/1/201
2
14.94
19/1/201
2
14.94
20/1/201
2
14.94
21/1/201
2
14.94
22/1/201
2
14.95
24/1/201
2
14.95
25/1/201
2
14.95
Return
Avg
Diff
D*D
0
0
0.067
0
0
0.01116
0.01116
0.01116
0.01116
0.01116
-0.01116
-0.01116
0.05586
-0.01116
-0.01116
0.000125
0.000125
0.003121
0.000125
0.000125
0.01116
-0.01116
0.000125
0.01116
-0.01116
0.000125
0.01116
-0.01116
0.000125
0.01116
-0.01116
0.000125
0.067
0.01116
0.05582
0.003116
0.01116
-0.01116
0.000125
0.01116
-0.01116
0.000125
0.01116
-0.01116
0.000125
0.01116
-0.01116
0.000125
0.01116
-0.01116
0.000125
0
0.066
9
0.01116
-0.01116
0.000125
0.01116
0.05577
0.003111
0.01116
-0.01116
0.000125
0.01116
-0.01116
0.000125
26/1/201
2
27/1/201
2
28/1/201
2
29/1/201
2
31/1/201
2
14.95
0.01116
-0.01116
0.000125
14.95
0.01116
-0.01116
0.000125
14.95
0.01116
-0.01116
0.000125
0
0.066
14.96
9
0.01
12
0.01116
-0.01116
0.000125
0.01116
0.05573
0.003106
14.95
Average Return =0.01116
Risk=d*d/(n-1)
=0.014944/(25-1)
=0.00509
Return
0.014944
INTERPRETATION
The above table shows the risk returns of BIRLA SUNLIFE MUTUALFUNDS The avg
returns of the company is=0.01116 and risk of the company is= 0.00509
Statement of mutual funds of LIC

Date
4/1/2012
NAV(rs)
Return
Avg
Diff
D*D
0.02669
0.04208
0.00177
14.54
5/1/2012
14.55
0.0687
8
6/1/2012
14.55
0.02669 -0.02669
0.00071
7/1/2012
14.55
0.02669 -0.02669
0.00071
8/1/2012
14.55
0.02669 -0.02669
0.00071
11/1/2012
14.56
0.0687
3
12/1/2012
14.56
13/1/2012
14.56
14/1/2012
14.57
15/1/2012
14.57
18/1/2012
0.04203
0.00177
0.02669 -0.02669
0.00071
0
0.0686
8
0.02669 -0.02669
0.00071
0.02669
0.04199
0.00176
0.02669 -0.02669
0.00071
14.58
0
0.0686
3
0.02669
0.04194
0.00176
19/1/2012
14.58
0.02669 -0.02669
0.00071
20/1/2012
14.58
0.02669 -0.02669
0.00071
21/1/2012
14.6
0.02669
0.11048
0.01221
22/1/2012
14.61
0
0.1371
7
0.0684
9
0.02669
0.0418
0.00175
25/1/2012
14.61
0.02669 -0.02669
0.00071
27/1/2012
14.61
0.02669 -0.02669
0.00071
28/1/2012
14.61
0.02669 -0.02669
0.00071
29/1/2012
14.61
0.02669 -0.02669
0.00071
0.0266
9
Risk=d*d/(n-1)
= 0.02956 /(20-1)
=0.009049
0.026694
0.02956
INTERPRETATION
The above table shows the risk returns of LIC MUTUALFUNDS The avg returns of
the company is=0.02669and risk of the company is=0.009049
Statement of mutual funds of Principal PNB

Date
NAV(rs)
Return
Avg
Diff
D*D
4/1/2012
15.67
5/1/2012
15.81
6/1/2012
16.07
7/1/2012
15.99
8/1/2012
15.97
11/1/2012
16.27
12/1/2012
16.15
13/1/2012
16.16
14/1/2012
16.37
15/1/2012
16.46
18/1/2012
16.47
19/1/2012
16.38
20/1/2012
16.42
21/1/2012
16.03
22/1/2012
15.89
25/1/2012
15.64
27/1/2012
14.97
28/1/2012
15.04
29/1/2012
15.24
0.8934
3
1.6445
3
0.4978
0.1251
1.8785
2
0.7376
0.0619
2
-0.14348
-0.14348
-0.14348
-0.14348
-0.14348
-0.14348
-0.14348
1.2995
0.5497
9
0.0607
5
0.5464
-0.14348
0.2442
2.3752
0.8734
1.5733
4.2839
-0.14348
-0.14348
-0.14348
-0.14348
-0.14348
-0.14348
-0.14348
-0.14348
0.4676 -0.14348
1.3297
9 -0.14348
0.143
5
0.7499469
3
1.5010487
8
-0.641302
0.2685582
1.7350422
3
0.8810338
0.0815605
1.1560249
5
0.4063061
9
0.0827267
0.6899281
0.1007202
4
2.5186323
1.0168424
1.7167966
4.4273675
0.3241218
7
1.1863072
3
0.56242
2.25315
0.41127
0.07212
3.01037
0.77622
0.00665
1.33639
0.16508
0.00684
0.476
0.01014
6.34351
1.03397
2.94739
19.6016
0.10505
1.40732
40.525
5
Average Return=-0.14348
Risk=d*d/(n-1)
=40.5255/(19-1)
=0.353665
INTERPRETATION
The above table shows the risk returns of PNB MUTUALFUNDS The avg returns of
the company is=0.14348 and risk of the company is=353665
Statement of mutual funds of Reliance

Date
Nav(rs)
Return
Avg
Diff
D*D
4/1/2012
60.05
5/1/2012
60.37
0.5328893
-0.22857
0.761459
0.57982
6/1/2012
60.58
0.3478549
-0.22857
0.576425
0.33227
7/1/2012
60.5
-0.132057
-0.22857
0.09651
0.00931
8/1/2012
60.41
-0.14876
-0.22857
0.07981
0.00637
11/1/2012
60.59
0.2979639
-0.22857
0.069394
0.00482
12/1/2012
60.17
-0.693184
-0.22857
-0.92175
0.84962
13/1/2012
60.36
0.315772
-0.22857
0.544342
0.29631
14/1/2012
60.68
0.5301524
-0.22857
0.758722
0.57566
15/1/2012
60.73
0.0823995
-0.22857
0.310969
0.0967
18/1/2012
60.94
0.3457929
-0.22857
0.574363
0.32415
19/1/2012
60.55
-0.639974
-0.22857
-0.4114
0.01692
20/1/2012
60.38
-0.28076
-0.22857
-0.05219
0.00272
21/1/2012
59.34
-1.722425
-0.22857
-1.49385
2.23159
22/1/2012
58.88
-0.775194
-0.22857
-1.00376
-1.0075
25/1/2012
58.46
-0.713315
-0.22857
-0.48475
0.23498
27/1/2012
57.3
-1.984263
-0.22857
-1.75569
3.08245
28/1/2012
57.41
0.1919721
-0.22857
0.420542
0.17686
29/1/2012
57.6
0.3309528
-0.22857
0.559523
0.31307
-0.228566
8.12608
Avg return=-0. 22857

Risk=d*d/(n-1)
=8.12608(19-1)
=0.158368
INTERPRETATION
The above table shows the risk returns of RELIANCEMUTUAL FUNDS. The avg
returns of the company is=-0. 22857 and risk of the company is=0.158368
.
Performance evaluation of MFS

Fund house
Return(Rp)
Risk(S.D)
Risk free rate
Sahara
0.039259
0.031897
.0067
SBI
-0.29039
0.255767
.0.0067
Shinsel
0.084869
0.834479
0.0067
Sundaram
-0.28056
0.292384
0.0067
UTI
0.0254
0.019981
0.0067
Birla Sunlife
0.01116
0.00509
0.0067
LIC
0.02669
0.009049
0.0067
Principal PNB
0.14348
0.353665
0.0067
Reliance
-0.22857
0.158368
0.0067
Sharpes performance index:
SPI=Rp-Rf/S.D
Sahara=0.39259-0.0067/0.031897
=-0.17079
SBI(State bank of India)=-0.29039-0.0067/0.255767
=-0.31659
Shinsel=0.084869-0.0067/0.834479
=0.07684
Sundram=-0.28056-0.0067/0.292384
=-0.30348
UTI( Unit Trust of India) =0.0254-0.0067/0.019981
=-0.30992
Birla Sunlife=0.01116-0.0067/0.00509
=-1.30515
LIC(Life Insurance cooperation of india)=0.02669-0.0067/0.009049
=-0.71372
Principal PNB( Punjab National Bank)=0.14348-0.0067/0.353665
=0.12454
Reliance=-0.22857-0.0067/0.158368
=-0.2709
Company Name
Performance index
SaharaCompany N
-0.17079
SBI
-0.31659
Shinsel
0.07684
Sundaram
-0.30348
UTI
-0.30992
Birla Sunlife
-10.30515
LIC
-0.71352
Principal PNB
0.12454
Reliance
-0.2709
FINDINGS
The present Project work has been undertaken to study and analys eqity and mutualfunds
With reference to their risk and returns with along this project we absence the following facts
The company SAHARA having the highes price of =10.83 and lowest price of 10.7
it is showing more fluctuation the return is=0.039259 and risk is=0.031897the
Sharpes performance index is =--0.17079
The company SBI having the highes price of =11.06 and lowest price of 10.2 it is
showing more fluctuation the risk is=0.0380248 and Risk is=0.255767the Sharpes
performance index is =-0.31659
The company SHINESEL having the highes price of =29.68 and lowest price of
29.53 it is showing more fluctuation the Return is=0.084869 and Riskis=0.834479the
Sharpes performance index is =0.07684
The company SUNDARAM having the highes price of =14.39and lowest price of
13.23 it is showing more fluctuation the Return is=-028056 and Risk is=0.292384 the
Sharpes performance index is =-0.30348
The company UTI having the highes price of =19.16 and lowest price of 18.78 it is
showing more fluctuation the Return is=0.0254 and Risk is=0.019981 the Sharpes
The company Birla Sunlife having the highes price of =11.61 and lowest price of
11.06 it is showing more fluctuation the Return is=0.01116 and Risk is=0.00509 the
Sharpes performance index is =-1.30515
The company LIC having the highes price of =14.96 and lowest price of 14.92 it is
showing more fluctuation the Return is=0.02669 and return is=0.009049 the Sharpes
The company Principal PNB having the highes price of =14.61 and lowest price of
14.06 it is showing more fluctuation the Return is=0.14348 and Risk is=0.353665 the
Sharpes performance index is =0.12454
The company Reliance having the highes price of =16.47 and lowest price of 14.97 it
is showing more fluctuation the Return is=-0.22857 and Risk is=0.158368 the Sharpes
SUGGESTIONS
The present project work has been under taken to study best available mutual fund
in the industry and evaluating their performances. While doing so we come a cross the
analysis an few fact have been identify aften such analysis interpretiation and findings
will be able to suggest investor as follows.
Sahara mutual fund is showing best performance index of all the funds SPI of Sahara0.17079. There fore should be brought if lowest NAV 10.07.
Sbi mutual fund is showing best performance index of all the funds SPI of Sbi
-0.31659 There fore should be brought if lowest NAV 10.07.
Shinsel Asset Management mutual fund is showing best performance index of all the
funds SPI of Shinsel0.07684 There fore should be brought if lowest NAV 29.53.
Sundaram mutual fund is showing best performance index of all the funds SPI
ofSundram. There fore should be brought if lowest NAV 13.23.
UTI mutual fund is showing best performance index of all the funds SPI of UTI
-0.30348 .There fore should be brought if lowest NAV 11.06.
Birla Sunlife mutual fund is showing best performance index of all the funds SPI of
Birla Sunlife -1.30515. There fore should be brought if lowest NAV 14.92.
LIC mutual fund is showing best performance index of all the funds SPI of LIC
-0.71352There fore should be brought if lowest NAV 14.06.
PNB mutual fund is showing best performance index of all te funds SPI
of PNB0.12454.Therefore should be brought if lowest NAV14.06.
CONCLUSION
The present project work has been undertaken to study the different mutual funds which are
investing in banking sector.
The risks and returns of these funds have been studied for a period of 1 year and facts have
been identified. After the findings the suggestions are been made regarding to the investment
of different mutual funds in banking sectors.
Five Mutual funds dealing in banking sectors have been taken and out of those Sahara
banking fund is performing very good.
After that others are showing good returns but as well they are having risks also more relating
to returns, however the funds are performing satisfactorily.

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DATA COLLECTION

STATEMENT OF MUTUALFUNDS OF SAHARA COMPANY

Statement of mutualfunds of SBI

Statement of mutualfunds of Shinsel Asset Management

Statement of mutualfunds of Sundaram

Statement of mutual funds of UTI

11.58 -0.0863 0.0254 -0.11168

11.59 -0.0862 0.0254 -0.11161

-0.172 0.0254 -0.19737

Statement of mutualfunds of BIRLA SUNLIFE

Average Return =0.01116

Statement of mutual funds of LIC

Statement of mutual funds of Principal PNB

Statement of mutual funds of Reliance

Avg return=-0. 22857

Performance evaluation of MFS

Risk free rate

Sharpes performance index:

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