MUTUAL FUNDS - AN INVESTMENT OPTION

Presented By
VINEET PAL SINGH
 CONTENT
 Introduction.
 SWOT Analysis.
 Objective of the study.
 Research Methodology.
 Data analysis and interpretation.
 Findings.
 Limitations.
 Conclusion & Recommendations.
 Bibliography.
 Annexure.
What is Mutual Funds?
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.
Flow Chart of Mutual Fund..
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.
Advantage of Mutual Funds
Portfolio Diversification
Professionally Management
Diversification of Risk
 Wide Choice to Investor for MF
Liquidity
Convenience & flexibility
Transparency
Disadvantage of Mutual Fund
No Control Over Cost
Redemption Charges if Withdrawn
No Standard Portfolios
No Guarantee of Returns
Subject to Market Risk
SWOT ANALYSIS
> 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.
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: 200
Study Area: SBI Mutual Funds, Srinagar
Duration : 300
Sampling Technique: Random Sampling
COLLECTION OF DATA
 Primary data
Descriptive research design is been used for the study.
Primary data is collected from consumer.
Personal interview method was used to collect data from
consumers.
 Secondary data
The secondary data is collected from the various published
book, journal, magazine, newspaper and past records.
DATA ANALYSIS AND INTERPRETATION
AGE GROUP
OCCUPATION

OCCUPATION

Household
Business
Service
Professional
Retired
Student
INCOME LEVEL
INVESTOR PREFERENCES
OBJECTIVES OF INVESTMENT
PERCENTAGE OF INCOME FOR
INVESTMENTS
MOTIVATING FACTOR
MODE OF INVESTMENT
AWARENESS OF SBI MUTUAL FUNDS
RESPONDENT GENDER CATEGORY
RESPONDENTS PREFERRING OTHER BRANDS
OF MUTUAL FUNDS
DOES MUTUAL FUND HOUSES PROVIDE COMPLETE
INFORMATION ABOUT
THEIR SCHEMES
TYPE OF FUND RESPONDENTS PREFER TO
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.
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.
CONCLUSION
 Study undertaken for SBI Mutual Fund has been successful
in studying the perception of investors on the potential of
Mutual Fund as an investment option.
 Based on the findings of the study a few suggestions have
been given, which if considered would give strength to the
marketing strategy of SBI Mutual Fund.
 Those who want to eliminate the risk element but still want
to reap a better then it would be advisable to go for debt or
arbitrage schemes which ensure both safety and returns.
BIBLIOGRAPHY
References:
Brochure of the company.
Investment Management VK. Bhalla.
Company Fact Sheet.
Websites Visited:
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
ANNEXURE

QUESTIONNAIRE FOR ANALYZING MUTUAL FUNDS AS INVESTMENT OPTION

Name: __________________________________________

Address:_________________________________________
 
Contact No. ______________

 Email ID (if any): ________________________________

Gender:
 Male:___ Female:____

Age: ____
Occupation:
 Household____ Business____ Service___
Professional______ Retired___ Student
_____
Annual Income:
1 Lakh____ 1 – 2 Lakh___
 2 – 3 Lakh___ Above 3 Lakhs____
 Do you invest any part of your savings?
 Yes No
 What amount do you save yearly?
Amount: ________ (If Yes)
 What criteria you keep in your mind while saving your
money? (If Investments)
Security____ Investments_____
Future provisions ____ Liquidity ____
 Where do you like to save your money? (If Mutual Funds)
Mutual Fund_____ Share Market________ Deposit/Bonds _____
Insurance_________ Post Office Savings______
others (please specify) _______________
 How did you come to know about the brands of mutual
funds?
Advertisements_____ Friends____ Family members _______
Financial Advisors______ Relatives ______
 What is the objective of investing in Mutual funds?
Rate of return______ Liquidity_______ Tax benefit _______
Security______ Children's Education/marriage______ others
(please specify)__________
 What type of Mutual fund do you prefer?
Debt Funds_____ Equity Funds______ Hybrid Funds _______
 
 Who influence you in your investment decision?
Family _______ Friends_____ Advertisements _______
Articles_______ Auditors______ Others ________
 What period of investment do you generally prefer?
Monthly________ Quarterly _________
Half-yearly _________ Annually ______
 Are you aware of SBI mutual fund?
Yes _____ No_________
 Do you require a personal sales executive of SBI
mutual fund meet you to suggest the best
scheme that suite your preference?
Yes _____ No _____
 In your opinion, SBI Mutual Fund is a?
Better option ____ Not a better option _______
can’t say
Why and why not?
______________________________________________
_____
 Will you recommend SBI Mutual Fund as a better
investment opportunity to your friends?
Yes________ No_____
What are your valuable suggestions for the
improvement of SBI Mutual Funds schemes?
__________________________________________
__________________________________________
__________________________________________
__________________________________________
__________________________________________
_________________
Thanks for your valuable feedback.