• The majority of the respondents are in the 20-30 age group, ac-

counting for 82%. This indicates a strong interest in investments

among younger adults.
•  Only a small fraction of respondents is in the 30-40 (2%),
40-50 (6%), and 50-60 (10%) age groups, showing lesser engage-
ment in investments from these age brackets.
•  In terms of gender distribution, 70% of the respondents are
male and 30% are female, reflecting a male-dominated respondent
pool.
•  Regarding educational qualifications, 78% of respondents
are graduates, 14% have postgraduate degrees, and 8% hold profes-
sional or technical degrees, suggesting a well- educated participant
group.
•  Professionally, 38% of respondents are self-employed, 12%
are in business, 6% are in professional services, and 44% fall into
various other categories, indicating a diverse range of professional
backgrounds.
•  Income level distribution shows that 56% of respondents
earn less than 3 lakhs per annum, while 8% earn between 3 to 5
lakhs, and 18% each earn between 5 to 10 lakhs and more than 10
lakhs, illustrating a wide range of income levels among the partici-
pants.
•  Investment portfolios of respondents are varied: 74% have
bank deposits, 30% invest in land, 30% in mutual funds, 26% in
gold, 22% in chit funds, and 20% in other forms including business
GPF, equities, bonds, and cryptocurrency.
•  Attitudes towards mutual fund investments are mostly posi-
tive or neutral, with 10% strongly agreeing, 42% agreeing, and 46%
neutral. Only 2% strongly disagree with investing in mutual funds.
•  The beginning of investment activities varies among respon-
dents: 40% started pre-COVID, 36% post-COVID, and 24% pre-
ferred not to say, indicating a mix of investment initiation times.
•  When classified by investment objectives, 22% aim for
preservation, 18% for current 57
income, 42% for conservative growth, and 18% for aggressive growth,
showing diverse investment goals.
 •  Dealership-wise, 70% of respondents are associated with
SBI, followed by 18% with ICICI, 16% with HDFC, 4% with Bajaj,
and 16% with others, indicating a strong preference for SBI.
•  In terms of investment mode, 90% of respondents prefer
long-term investments, while 10% opt for short-term.
•  Factors influencing investment decisions include safety
(80%), regular high returns (50%), liquidity (30%), future uncertain-
ties (24%), and tax benefits (36%).
•  A high percentage (96%) of respondents feel the need for
professional advice in their investment decisions.
•  78% of respondents use current resources like the internet
for investment information, while 22% do not.
•  More than half (54%) of the participants are concerned about
maintenance costs if returns are high.
•  Preferences for types of mutual funds vary: 50% for growth
funds, 38% for income funds, 8% for sector/industry funds, and 4%
for value funds.
•  Opinions on the liquidity of mutual funds are split, with 54%
considering them liquid enough and 44% not.
•  Investment objectives in mutual funds differ, with 56% seek-
ing maximum profit, 40% for capital appreciation, 46% for mini-
mum risk, and 24% for assured returns.
58

SUGGESTIONS:
1. Enhance financial literacy programs, emphasizing the benefits and
returns of diverse investment forms, particularly mutual funds. This
is crucial as bank deposits currently overshadow other investment
options in popularity.
2. Continue providing expert financial advice. The data shows that a
significant majority of investors value and prefer professional guid-
ance in making investment decisions.
3. Prioritize investment safety. Since the majority of respondents favour
safety over factors like liquidity and tax benefits, focusing on secure
investment options is essential.
4. Aim to optimize returns while considering costs. As cost is a concern
for a substantial number of investors, it's important to balance high
returns with manageable costs.
5. Educate investors about the liquidity and risk management in mutual
funds. A considerable portion of respondents perceive mutual funds
as not sufficiently liquid, indicating a need for better understanding
of risk diversification and liquidity options in mutual funds.
6. Intensify effective advertising and outreach campaigns. Current data
suggests that only a minority of investors are influenced by adver-
tisements to invest in mutual funds, highlighting the need for more
compelling promotional strategies.