CHAPTER : 5

DATA INTERPRETATION AND

ANALYSIS

21
 DATA ANALYSIS AND INERPRETATION

AGE WISE CLASSIFICATION OF RESPONDENTS

AGE NO. OF RESPONDENTS PERCENTAGE

BELOW 20 NIL NIL

20-29 69 34.5
30-39 13 6.5
40-49 34 17
50-59 35 17.5
ABOVE 60 49 24.5
TOTAL 200 100

TABLE :1

49 20-29
69
30-39

40-49
13
34
A G E W I S E N O: O F R E S P O N D E N T S

Interpretation:
According to the survey the respondents were of different age groups. There are no respondents
of age below 20 are in no number. The investors of age 20-29 are 69 in number with 34.5%. The
investors of age 30-39 are 13 with 6.5%, 40-49 there are 34 investors with 17% and in between
50
-59 there are 35 investors with 17.5% .

22
 GENDER OF THE RESPONDENTS

GENDER NO. OF RESPONDENTS PERCENTAGE

MALE 158 79
FEMALE 42 21
TOTAL 200 100

TABLE:2

180

160
NO. OF
140

120

100
MALE FEMALE

GENDER OF THE RESPONDENTS

Interpretation:
In the survey number of male respondents are more in number that is about 79% & the
next position has been occupied by female respondents they are about 21% of the
sample so, mainly men are preferring to go for investments.

23
 OCCUPATION OF THE RESPONDENTS

OCCUPATION NO. OF RESPONDENTS PERCENTAGE

HOUSE HOLD 9 4.5
BUSINESS 46 23
SERVICE 84 42
PROFESSIONAL 30 15
RETIRED 15 7.5
STUDENT 16 8
TOTAL 200 100

TABLE:3

169
15 HOUSE HOLD
46 BUSINESS SERVICE

30

RETIRED
84
OCCUPATION OF THE RESPONDENTS

Interpretation:
According to the survey the respondents were of different occupations. Most of respondents are from
service sector is about 42% of the sample. Respondents from the business are occupying 23%, then
comes professional with 15%, students occupy 8%, retired people occupy 7.5%, with house hold
occupying 9%.

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 ANNUAL INCOME OF THE RESPONDENTS

ANNUAL NO. OF RESPONDENTS PERCENTAGE

< 1,00,000 53 26.5

1-2 LAKHS 84 42
2-3 LAKHS 48 24
ABOVE 3 LAKHS 15 7.5
TOTAL 200 100

TABLE : 4

NO. OF

PERCENTAGE

HS
0,1 2 VEA
2 LAK 3LAK
< 1,0

ANNUAL INCOME OF THE RESPONDENTS

Interpretation :

According to the survey, the respondents of the income group of less than 1 lack are of
26.5%. They were about 42% of the respondents are of the income group between 1-2 lack.
24% of the respondents were of the income group 2-3 lacks. 7.5% respondents were of the
income group more than 3 lacks.

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 DO THE RESPONDENTS INVEST THEIR MONEY

INVESTMENTS NO.OF RESPONDENTS PERCENTAGE

YES 200 100

NO NIL NIL
TOTAL 200 100

TABLE:5

RESPONDENTS INVESTING THEIR MONEY

250
NO. OF

PERCENTAGE
50

YES NO

Interpretation:

All the respondents considered in the sample, do invest their savings.

Out of the total sample the respondents going for investments are total in numbers with all
the two hundred respondents considered in sample are going for complete investments with
100%.

26
WHAT PERCENT OF YOUR INCOME DO YOU KEEP ASIDE FOR

DIFFERENT INVESTMENT OPTIONS?

OPTIONS NO. OF PERCENTAGE

RESPONDENTS
0% to 5% 24 12
5% to 10% 38 19
10% to 15% 60 30
15% to 20% 34 17
20% to 30% 24 12
Above 30% 20 10
TOTAL 200 100

TABLE : 6

27
IMPORTANT FACTORS TO YOU CONSIDER BEFORE CHOOSING AN INVESTMENT?

NO. OF
OPTIONS RESPONDENT PERCENTAGE
S
Safety of investment
principle 70 35
Opportunity for
growth 82 41
Liquidity 48 24
TOTAL 200 100

TABLE:7

NO. OF RESPONDENTS

Safety ofOpportunity for Liquidity

IMPORTANT FACTORS

Interpretation:

From the table we can see that 41% of respondent are consider the factor Opportunity
for growth before choosing an investment

28
 INVESTORS PREFERENCE FOR VARIOUS INVESTMENTS OBJECIVES

OPTIONS
RANK SCORE
SECURITY 1 55
YEILD 2 47
MATURITY 4 35
TAX BENEFITS 5 22
LIQUIDITY 3 40

TABLE:8

SECURITY
7%

SECURITY YEILD
MATURITY

LIQUIDITY
27%
33%

INVESTMENT OBJECTIVE OF THE INVESTOR

Interpretation:

Different types of investors look forward to different investment objectives. Most of the
st nd rd
investors ranked 1 to security, 2 rank to yield, 3 rank has been given to liquidity,
th th
4 & 5 ranks for maturity & tax benefits.

29
INVESTOR PREFERENCE FOR VARIOUS INVESTMENTS

OBJECTIVES

ATTRIBUTES I II III IV V WEIGHTED RANK

AVERAGE
SECURITY 88 64 32 9 7 55 I
YEILD 63 44 46 24 23 47 II
MATURITY 19 24 45 85 27 35 IV
TAX BENEFIT 8 25 5 42 120 22 V
LIQUIDITY 22 43 72 40 23 40 III

MODEL CALCULATION:

= 88*5 + 64*4 + 32*3 + 9*2 + 7*1 / 1 + 2 + 3 + 4 + 5

= 440 + 256 + 96 +18 + 7 / 15

= 817/15

= 55.

30
 AWARENESS OF MUTUAL FUNDS

OPTIONS NO. OF RESPONDENTS PERCENTAGE

YES 200 100
NO 00 00
TOTAL 200 100

TABLE : 9

Interpretation:

According to the survey, most investors are aware of mutual funds. It can be
observed from the above table that 100% of respondents are aware of Mutual
Funds.

31
 AWARENESS OF MUTUAL FUNDS IS THROUGH

OPTION NO. OF RESPONDENTS PERCENTAGE

ADVERTISEMENT 52 26
FRIENDS 37 19
FAMILY MEMBERS 19 10
FINANCIAL ADVISORS 66 32
RELATIVES 26 13
TOTAL 200 100

TABLE : 10

ADVERTISEME
NT ADVERTISEMENT
FRIENDS
FINANCIAL
FAMILY MEMBERS
FAMILY 19%

INFLUENCE OF INVESTMENT DECISION IS

THROUGH

Interpretation:

According to the survey, the respondents are more aware of mutual funds through
Financial Advisors who occupy 32%, followed by Advertisements 26%, Friends 19%,
Relatives 13% & Family Members 10%

32
 MUTUAL FUND IS A GOOD INVESTMENT OPTION.

OPTIONS NO. OF RESPONDENTS PERCENTAGE

YES 159 79.5
NO 41 20.5
TOTAL 200 100

TABLE: 11

180

160
NO. OF
140

120

100

80
YES

OPTIONS
MUTUAL FUND IS A GOOD INVESTMENT OPTION

Interpretation:

Many of the individuals are of the view that mutual fund is a good investment option. Of
the total sample survey around 79.5% of the respondents feel that mutual fund is a good
investment option & 20.5% of the respondents feel that it is not a good investment option.

33
WHAT IS YOUR RETURN EXPECTATION ON YOUR INVESTMENT IN MUTUAL FUND?

NO. OF
OPTION RESPONDENT PERCENTAGE
S
Up to
8% 52 26
Betwee
n 8% to 18% 80 40
Above
18% 68 34
TOTAL 200 100

TABLE:12

9
0

8
0

7NO. OF
0

60

Up to Between 8%Above
to
RETURN

Interpretation:-

More number of respondent expecting 8% to 18% of return on their investment.

34
 HOW LONG ARE YOU PLANNING TO STAY INVEST IN MUTUAL FUND?

OPTION NO. OF PERCENTAG

RESPONDENTS E
< 1 year 46 23
1 to 3 year 75 37.5
3 to 5 year 50 25
> 5 year 29 15.5
TOTAL 200 100

TABLE:13

80

70

60

50
NO. OF RESPONDENTS
40

< 1 year1 to 3 year 3 to 5 year> 5 year

NO. OF RESPONDENTS

Interpretation:-

From the table 75 respondent are planning to stay invest in mutual fund for the period of 1-
3 year. And only 29 75 respondent are planning to stay invest in mutual fund for the period
of >5 year.

35
 RESPONDENTS PREFFERING RELIANCE AS A DISTIBUTOR OF MUTUAL FUNDS

OPTION NO. OF RESPONDENTS PERCENTAGE

RELIANCE 138 69
OTHERS 62 31
TOTAL 200 100

TABLE:14

160

140
NO. OF
120

100 PERCENTAGE

80
IDFCOTHERS

OPTIONS
RELIANCE AS A DISTRIBUTOR OF MUTUAL FUNDS

Interpretation:

According to the survey, 69% of the respondents are aware of RELIANCE as a distributor
Of mutual funds & these 69% of the investors would like to invest in RELIANCE mutual fund
option. The rest 31% of the respondents would like to prefer others

36
 TYPE OF FUNDS RESPONDENTS PREFER TO

OPTION NO.OF RESPONDENTS PERCENTAGE

DEBT FUND 42 30.5
EQUITY FUND 78 56.5
HYBRID FUND 18 13
TOTAL 138 100

TABLE:15

90

80
NO. OF
70
PERCENTAGE
60

50

DEBT FUND EQUITY FUND

TYPE OF FUNDS RESPONDENTS PREFER TO

Interpretation:

From the survey conducted the respondents prefer Equity funds more in number they
occupy 56.5%, followed by Debt funds with 30.5% and a very few respondents prefer
to hybrid funds with 13%.

37
TYPE OF SCHEME PREFERED BY RESPONDENT IN DEBT FUNDS

OPTION NO. OF RESPONDENTS PERCENTAGE

LIQUID FUND 2 5
FLOATE RATE 4 10
GILT FUND 5 12
DYNAMIC BOND FUND 15 35
INCOME PLUS 7 17
BOND INDEX FUND 9 21
TOTAL 42 100

TABLE:16

LIQUIDFUND
5% 10%
FLOATE RATE
12% GILT FUND

DYNAMIC BOND FUND

35%

TYPE OF SCHEME PREFERED BY RESPONDENT IN DEBT

FUNDS

Interpretation:

Based on the survey, it is found that the respondents prefer dynamic bond fund which
occupies 35%, then follows is the bond Index Fund with 21%, thirdly Income Plus is
seen with more percentage with 17, followed by Gilt Fund, Floating Rate Fund, & Liquid
Fund with 12, 10, 5.

38
 TYPE OF SCHEME PREFERED IN EQUITY FUNDS

OPTION NO. OF RESPONDENTS PERCENTAGE

ADVANTAGE FUND 26 33
MID CAP 6 8
EQUITY PLAN 4 5
MNC FUND 5 6
INDEX FUNDTABLE:17 3 4
DIVIDEND YEILD PLUS 32 41
INDIA OPPURTUNITIES FUND 2 3
TOTAL 78 100

TABLE:17

TYPE OF SCHEME PREFFERED IN EQUITY

FUNDSADVANTAGE FUND

EQUITY PLAN
3%
33%
MNC FUND
41%

4% DIVIDEND YEILD PLUS

Interpretation:

Based on the survey, that out of 78 sample size, most of the investors choose dividend
yield plus which occupies 41%, followed by Advantage Fund with 33%, then MNC

39
fund with 6%, mid cap 8%, Equity plan 5%, India opportunities fund 3%.

40
 TYPE OF SCHEME PREFERRED IN HYBRID FUND

OPTION NO. OF RESPONDENTS PERCENTAGE

MIP I 3 16.7
MIP II 4 22.2
BALANCED FUND 11 61.1
TOTAL 18 100

TABLE:18

70

60 NO. OF
50

40

30
MIP I MIP II
FUND
TYPE OF SCHEME PREFERRED IN HYBRID FUND

Interpretation:
Based on the survey, it is found that the respondents prefer to choose balanced fund with
61.1% of sample, followed by MIP I & MIP II schemes in the Hybrid Fund Type with
22.2% & 16.7%.

41
RESPONDENTS PREFFERING OTHER BRANDS OF MUTUAL FUNDS

OPTION NO.OF RESPONDENTS PERCENTAGE

HDFC 12 19
FRANKLIN TEMPLETON 18 29
HSBC 6 10
KOTAK MAHINDRA 11 18
DSP MERYLLICH 5 8
UTI 10 16
TOTAL 62 100

TABLE;19

FRANKLIN
16% 19%
8% HSBC

KOTAK
18% 29%
10% DSP MERYILCH

RESPONDENTS PREFFERING OTHER BRANDS OF UTI

MUTUAL FUNDS

Interpretation:

Based on the survey, it is found that the respondents would definitely prefer other
brands of Mutual Funds with Franklin Templeton in the lead with 29%, then HDFC
with
18%, UTI in the fourth place with 16%, Kotak Mahindra with 18%, HSBC with 10% &
DSP merllich with 8%

42
86