Investor Perspectives on Claiming Protection in E-Financial Investments: A Study on Mutual Funds

in India

Submitted in partial fulfillment of the requirements for the award of the degree of
MASTER OF BUSINESS ADMINISTRATION
Of
BANGALORE UNIVERSITY

By
Elyas Shahzad
(Reg no. P03NK22M015121)

Under the guidance of

Dr. Chitra C.N.
(Guest faculty)

Canara Bank School of Management Studies

Bangalore University
 Introduction

The advent of electronic financial investments has revolutionized the landscape

of traditional investment practices, offering investors unprecedented
convenience, accessibility, and efficiency in managing their portfolios. In
recent years, mutual funds have emerged as a popular choice among investors,
both novice and seasoned, seeking diversified exposure to financial markets
with the guidance of professional fund managers. However, as the digitalization
of financial services accelerates, investors are confronted with new challenges
and risks, particularly concerning the protection of their investments in the
online realm.
 Industry Overview

Protection Claim of the E-Mutual Funds Industry in India

1. Security Concerns In E-investments

2. Compliances, Governance, and Regulations

3. E-investor Protection

4. Challenges And Emerging Trends

5. Introduction To The Mutual Funds Industry

6. Issues And Challenges In Purchase Of Mutual Fund

7. Top 10 Key Players In The Mutual Fund Industry In India

 Statement of the Problem

The present study focuses on the challenges and concerns faced by

investors in electronic financial investments, particularly in mutual
funds in India. Despite the convenience and accessibility offered by
digital platforms, investors are increasingly worried about the
security of their online transactions and the protection of their
personal and financial data. Issues such as cyber threats, fraud,
identity theft, and inadequate regulatory frameworks are major
obstacles that undermine investor confidence.
 NEED FOR THE STUDY

• Critical need for understanding investor perspectives on claiming

protection in electronic financial investments, specifically in mutual
funds in India.

• To find the key concerns and expectations of investors regarding the

protection mechanisms in place, thereby highlighting areas for
improvement.

• To contribute to the development of more robust regulatory frameworks

and security measures that can enhance investor confidence and
safeguard their investments in the rapidly evolving digital landscape.
 Objectives of The Study

1. Examine Investor Awareness and Understanding of Online

Investments in Mutual Funds
2. Evaluate Perceptions of Investor Protection Mechanisms for Online
Investments in Mutual Funds
3. Find Challenges and Concerns While in Mutual Funds Online
4. Assess Satisfaction and Confidence Levels of E-Investments in Mutual
Funds
 Type of Sample Design

DATA COLLECTION

This empirical study will employ a survey method to collect data from a sample of online

mutual fund platform investors. The sampling design will include:

Population: Investors using online mutual fund platforms.

Sample Size: fifty respondents.

Sampling Technique: Convenience sampling.

Data Collection Tool: Structured questionnaire with both closed and open-ended

questions.

Data Analysis: Descriptive statistics, cross-tabulation, and qualitative analysis. Data analysis

has been done through percentage analysis and diagrammatic representations in a Pie Chart

diagram.
 Product Range of the Industry

1. Equity funds
2. Debt funds
3. Hybrid funds.
4. Index funds
5. Exchange Traded Funds
6. Solution-oriented funds
7. Fund of Funds
8. Thematic and sector funds
9. Real Estate Investment Trusts
10. Commodity funds
 Major Findings

 Security Concerns
 Regulatory Effectiveness
 Digital Literacy and Security
 Awareness Gap
 Role of Technology
 Grievance Redressal Mechanisms
 Suggestions
 Strengthening regulatory frameworks through regular updates, enhanced enforcement

mechanisms, and collaboration with international bodies.

 Promoting digital literacy through nationwide programs, educational campaigns, and

integration into the curriculum.

 Enhancing investor awareness and education through information portals, regular updates

from financial institutions, and simplified guides.

 Leveraging technological advancements through the adoption of advanced security

technologies and real-time monitoring systems.

 Improving grievance redressal mechanisms through streamlined reporting processes,

responsive handling, and resolute support teams.

 Conclusion

The proliferation of digital technologies has transformed the

financial services landscape, making electronic investments (e-
investments) in mutual funds increasingly accessible. With the rise
of online platforms, investors can now easily invest, manage, and
monitor their mutual fund portfolios. However, this digital shift also
brings significant concerns regarding the security of these e-
investments.