CHAPTER 4

DATA ANALYSIS AND INTREPRETATION

Age Wise Classification

Page: 1763

Age No of Respondent Percentage

20 – 40 years 92 93.9%
40 – 60 Years 06 6.1%

Age
00

92

20-40 year 40-60 years

Inference:-
The above analysis shows that 92 respondent are from the age group 20 – 40 years which is
equal to 93.9% of total respondent and remaining 6 respondent i.e. 06.1% of total respondent
are from 40 – 60 years age group.
Occupation wise classification:-
Occupation No of Respondent Percentage
Student 67 68.3%
Salaried 27 27.6%
Businessman/women 3 3.1%
Home – Maker 1 1%

Occupation

3 1

27

67

Student Salaried Businessman/women Home-Maker

Inference:-

The above analysis shows that 67 respondent out of 98 are from student background which
is equal to 68.3% also 27 respondent are salaried ,3 are from business background and 1 is
home maker which are 27.6%,3.1% and approx. 1% respectively of total respondent.
Income wise classification:-
Monthly income No of Respondent Percentage
0 – 2.5 lac 76 77.5%
2.5 – 5 lac 12 12.2%
5 – 10 lac 7 7.1%
10 lac and above 3 3.1%

Income

3
7

12

76

0 – 2.5 lac 2.5 – 5 lac 5 – 10 lac 10 lac and above

Inference:-
The above analysis shows that 77.5% respondent which are 77 of total 98 respondent have up
to 2.5 lac income and the respondent who have 2.5 – 5 lac,5 – 10 lac and10 lac and above
income are 12, 7 and 3 respectively which are equal to 12.2%,7.1% and 3.1% respectively of
total respondent.
Liquidating cash amid this crisis wise classification
Want to liquidate cash No of Respondent Percentage
Yes 51 52.6%
No 46 47.4%

Want to Liquidate your cash amid this crisis?

46

51

Yes No

Inference:-
The above analysis shows that 52.6% respondent want to liquidate their cash amid this crisis
which is equal to 51 respondent and 46 respondent don’t want to liquidate their cash amid this
crisis which is equal to 47.4%.
Frequently investment wise classification
How Frequently No of Respondent Percentage
Daily 6 6.7%
Weekly 13 14.4%
Monthly 30 33.3%
Quarterly 22 24.4%
Yearly 19 21.1%

Inference:-
The above analysis shows that 6 respondent invests daily out of 90 respondent which is equal to
6.7% likewise 13,30,22 and 19 respondent invests weekly,monthly,quarterly and yearly out of
90 respondent which is equal to 14.4%,33.3%,24.4% and 21.1% respectively.

Frequently Investment

6
19
13

22
30

Daily Weekly Monthly Quarterly Yearly

Awareness level wise classification
Level of awareness No of respondent Percentage
High 10 10.6%
Medium 18 19.1%
Low 66 70.2%
Inference:-
The above analysis shows that 10 respondent out of 94 have high level of awareness about
investment schemes which is equal to 10.6% likewise 18 and 66 respondent have medium and
low level of awareness respectively which is 19.1% and 70.2% respectively of rotation.

Awareness Level

10

18

66

High Medium Low

Preferance of investment wise classification

Preferance No of respondent Percentage

Saving bank account 45 45.9%
Money market fund 4 4.1%
Bank FD’s 45 45.9%
POSS 16 16.3%
PPF 14 14.3%
Company FD’s 8 8.2%
Bonds and debentures 2 2%
Mutual Funds 31 31.6%
Life Insurance policies 18 18.4%
Equity Shares 31 31.6%
Gold 43 43.9%
New Pension Schemes 3 3.1%
Real Estate 29 29.6%
Government Securities 5 5.1%
Crypto-currency 1 1%
Land 1 1%

Inference:-
The above analysis shows that respondents preference is more towards saving bank account
and bank fd’s rather than any other preference which is equal to 45.9% of total
respondentafterwords respondent prefers gold , equity shares and real estate as a investment
option 43.9%,31.6% and 29.6% respectively of total respondent.
18.4%,16.3%,14.3%,8.2%,5.1%,3.1%,4.1%,2%,1% and 1% respondent of total respondent
chooses Life insurance policies,Post office saving schemes, PPF, Company FD’s, Government
securities, Money market funds,New Pension Scemes,Bonds and debentures,Crypto- currency
and land respectively.
Risk Wise Analysis

Preferance Not Risky Less Risky Intermediate High Risky Very High
Risky
Saving Bank 53 34 8 - -
Account
Money market 4 47 33 9 2
fund
Bank FD’s 45 36 14 - -
POSS 42 37 16 - -
PPF 30 40 22 2 2
Company FD’s 13 43 33 4 2

Bonds and 4 45 35 10 1
debentures
Mutual Funds 5 29 36 17 8

Life 20 42 28 05 -
Insurance
Policies
Equity Shares 4 31 32 14 14

Gold 23 39 28 3 2

New Pension 16 45 33 1 -
Schemes
Real Estate 14 36 25 13 07
Government 27 42 22 3 1
Securities
Crypto 27 8 62 - -
Currency
Land 57 20 15 - -

Inference:-
Above analysis shows that, respondent thinks that saving bank account , Bank FD’s ,Post Office
Schemes,PPF,land these are investment are not risky ,money market fund, bonds and
debentures,life insurance policies,new pension schemes real estate and government securities
are less risky investment options also otherside equity share,mutual funds and cryptocurrency
has intermediate level of risk than any other investment options.
 Chart Title

Land

Crypto Currency

Government Securities

Real Estate

New Pension Schemes

Gold

Equity Shares

Life Insurance Policies

Mutual Funds

Bonds and debentures

Company FD’s

PPF

POSS

Bank FD’s

Money market fund

Saving Bank Account

0 10 20 30 40 50 60 70

Very High Risky High Risky Intermediate Less Risky Not Risky
Page: 1772
Objectives of savings wise analysis

Education Vacation Future Plans Others(Business,emergency,lifestyle,etc.)

20 17 21 46

Inference:-
Above analysis shows that most of the respondents objectives of savings is for completing their
luxury wishes, for business purpose for emergency purpose followed by future plans which
includes built a house ,buying car etc and then for education and for vacation are also the
reasons behind savings.

Objectives of Savings

20

46

17

21

Education Vacation Future Plans Others(Business,emergency,life style,etc.)

Impact of covid 19 on Income wise analysis

Preferance No of Respondent Percentage
Yes 64 65.3%
No 34 34.7%
Inference
Above analysis shows that 64 respondents income is impacted by covid 19 out of 98 which is
equal to 65.4% and remaining respondents imcome is not impacted by covid 19.

Impact of Covid 19 on Income

34

64

Yes No

How your Income Impacted by covid 19 wise analysis

Preferance No of Respondents Percentage
Pay Cut 40 40.8%
Lost My Job 15 15.3%
Expenses Increases 33 33.7%
Financial Situation Improved 18 18.4%

Stopped Investing 23 23.5%

Withdraw their Investment 09 9.2%

Inference
Above analysis shows that 40.8% respondent facing pay cut due to covid 19 which are equal to
40 out of 98 respondent and 15.3% respondent lost their job due to covid 19.33.7% respondent
said that their expenses increases due to covid 19 ,23.5% respondent stopped investing their
money in various available avenues and 9.2% respondent withdraw their investment from
market.

Page: 1774
 How your Income Impacted by covid 19
45
40
40
35 33

30
25 23

20 18
15
15
9
10
5
0
Pay Cut Lost My Job Expenses Financial Situation Stopped Investing Withdraw their
Increases Improved Investment

No of Respondents

Uses of money in this pandemic wise analysis

Preferances No of respondents Percentage
For paying rent and utility bills 40 40.8%

To pay debts 26 26.5%

Putting in sefty net funds 16 16.3%
Put towards investment 16 16.3%

Inference
Above analysis shows that 40 respondent out of 98 which is equal to 40.8% are used their
money for paying rent and other utility bills followed by 26.5% respondent to pay debts.
16.3% respondent which is equal to 16 respondent out of 98 used their money for putting in
sefty net funds and same number of respondent used their money for putting towards
investment.
 Page: 1775

How you use money in this pandemic?

16

40

16

26

For paying rent and utility bills To pay debts Putting in sefty net funds Put towards investment

Taken out money during this pandemic wise analysis

Preferances No of respondents Percentage
Yes 59 60.2%
No 39 39.8%

Inference
Above analysis shows that 60.2% respondent which is equal to 59 out of 98 taken out their
money from market in the last few months of this covid 19 pandemic and 39.8% respondent
didn’t take out their money from market.
 Page: 1776

Taken out money From Market

39

59

Yes No

Reinvestment plan wise analysis

Preferances No of Respondents Percentage
After getting financially secure 23 34.8%
again
After market correction 10 15.2%
Have no plans to reinvest 15 22.7%
Unsure 18 27.3%

Inferance
Above analysis shows that 23 respondent have plan of reinvestment after getting financially
secure again which is equal to 34.8% while 15.2% have plan of investment only after market
gets corrected. 22.7% respondent have no any plan of reinvestment and 27,3% respondents are
unsure about their future plan of investment.
 Page: 1777

Reinvestment Plan

18
23

15
10

After getting financially secure again After market correction Have no plans to reinvest Unsure