“A Study on Investors Perception Towards Mutual Funds”

(IK GUJRAL PUNJAB TECHNICAL UNIVERSITY, KAPURTHALA, PUNJAB)

In Partial Fulfillment of the requirement for the award of degree of Masters of Business Administration(MBA)
Submitted By:- Submitted To:-
Avantika Ms. Manisha Aujla
2121564 Assistant Profesor

DEPARTMENT OF MANAGEMENT
Chandigarh Group Of Colleges
Landran , Mohali
2021-2023
 INTRODUCTION
• A Mutual Fund is a trust which pools the
savings of a number of investors who share
common financial goal.
• The money thus collected is invested by the
fund manager in different types of securities
• Mutual funds are corporation that accept
money from investors and use this money to
buy stocks, long term bonds, short term debt
instruments issued by government.
Need of the Study

Diversified
Portfolio

Perception of
Risk
Investors
 Objectives of the Study
• To study the Investors awareness about
mutual funds.
• To determine the factors which compels the
Investors to invest mutual funds.
• To study the interest of the Investors for
investing in mutual funds.
 Research Methodology
• Research Methodology means, "defining a
problem, defining the research objectives,
developing the research plan, collecting the
information, analyzing the information and
presentation of finding.”
• Such framework is called “Research Design.”
• The research process that would be followed
by me consisting following steps;
 Data Analysis
•50% of investors are between the age group of 20-40

Age Group •43% of Investors of age group between 40-60 invest in mutual
funds
•Only 7% of Investors above the age of 60 invest in mutual funds.

Occupation •36% Investors are businessman

•29% are private employees who invest in
Of Investors mutual funds.

Income •Majority of respondents i.e. 43% of Investors

income is between 30000-40000 who invest in
Group mutual funds.
Do you invest
•All respondents i.e. 100% invests
in mutual their money in mutual funds.
fund?

Main •46% of Investors motive behind investing in mutual funds is

returns.
•21% of Investors invest for tax savings.

Motive
•14% of Investors invest for safety of capital .
•12%for better liquidity and only 7% invest for other purposes.

Level of •29% of Investors can afford moderate risk.

•26%of them can afford high risk

Risk •17% of Investors can afford very low risk.

 Findings
• 46% Investors get information from agents.
• 23% get information from advertisements.14% of Investors get
information from newspapers.9% of Investors get information
from their relatives and 8% get information from their friends.
• 43% of Investors of age group between 40-60 invest in mutual
funds. Only 7% of Investors above the age of 60 invest in
mutual funds.
• 38% of Investors prefer media channels for making
investment.29% of them prefer financial advisor.19% prefer
distribution channels and only 14% prefer bank.
 Suggestions
• The mutual fund companies should increase
their services centers and must provide full
information regarding mutual funds.
• They should provide some great offers to
attract more Investors.
• Advertisements are very less ,companies
should make more efforts to create awareness
about their mutual funds portfolio.
 Conclusion
• Objective of the project is to know the investors perception while investing in
mutual funds. For this survey of 70 respondents has been covered in
Jalandhar region.
• With the help of a structured questionnaire various response has been
received .
• Out of 70 respondents it is seen most of them had invested in mutual fund.
• The tradition of blocking the money in post office, provident fund has been
changed to investing in avenues which guarantees good return and more
liquidity.
• In case of mutual fund financial advisor play most reliable source of
information for taking investment decision this shows that people are
becoming more aware by themselves.
• Capital appreciation, tax benefits and safety are the most important factors
for investors while doing investment.
 References
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