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Study of Mutual Fund InIndia

atPrudent CAS Ltd.

:-Name Amit Mehta:-Enrollment No 09756052022

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Company Detail

Started on the year 2000 and stillrunning successfully

Company believes in understanding

the customer needs and offeringthe product that can match theirrequirement.

Companys main slogan is Moneythrough Wisdom

Company offering Financial Planning,money Management & Investment

advisory services.

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Companys Achievements

It has acquired about 25 to 29% share oftotal Mutual Fund business of Gujarat.

Assets under Management (AUM) more

than 1700 corers Won consequently for four years in a

row the most prestigious PrudentialICICI Chairman Gold Award in FY 2002,

2003 , 2004 and 2005

Rated 9th best independent FinancialAdvisor in all India by Franklin

Templeton for the year 2002

.Cont

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Service Provided by theCompany

Weekly report send by e-mail

Any information related with IndianInvestment world

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Financial Planning

Include a mix of short and long termgoals

Convert your goals into rupee amount

and set a deadline to achieve them Diversify your investments according toyour risk profile

Look for ways to minimize tax

Dont forget insurance Start retirement planning Get professional advise in required Dont wait, implement your plan today

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Research Methodology

1. Definition:- According to Clifford Woody, ResearchMethodology comprises of defining & redefiningproblems, collecting, organizing &evaluating data, makingdeductions &researching to conclusions.

2. Types of Research:- Exploratory Research :-search of secondary data

& Survey of Market

Conclusive Research :-Descriptive Research (Survey

Method, Telephone Administrative, and QuestionnaireMethod) and Experimentation Research.

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qData Collection Method:-

(A) Interview Methods

Personal Interview

Telephone Interview

Mail Interview

(B)Collection of Information:

The respondents were personallyapproached to explain the objective of survey.During the meeting the questionnaire was fulfilledby the respondents.

(C)Questionnaire:

Questionnaire was structured to get it filled byinvestors as well as insurance agents.

q

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qSampling method

The agents and investors had been selected on the basis of random

sampling. The study is sample survey consisting of small sized sample ofagents & investors who had not much awareness of Mutual funds.

Sample Size:

The sample size taken for the study is 150 respondentsRandomly.

Target Population or Sampling Unit:

The universes of the study are Investor & Insurance agents ofAhmedabad Region.

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SWOT Analysis

STRENGTHS

Professional management

Diversified portfolio

Liquidity

Tax relief

Safe and convenient administration

Low Costs

Transparency

Affordability

Well Regulated

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WEAKNESS

No assured returns No protection of capital

Everything is dependent on Fund Manager.

OPPURTUNITY

A goose lying golden egg

When the returns comes out its too much

THREAT

lack of management information

Poor investment performance

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Analysis and Interpretation

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QA. Monthly Income of Investor inAhmedabad

Monthly income of Investor

79

3326

102

0

20

40

60

80

100

No.of investor

50,000

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QA.Monthly Saving of Investor in

Ahmedabad

113

27

8

2

0

50

100

150

No. of

Investor

Monthly Savings of Investor

20,001

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QA. Investments prefer most by the

Investor

63 6852

28 26

37

10 14

0

20

40

60

80

No. of Investor

Investment Prefer by Investor

Saving A/C Fixed deposits Insurance Mutual Fund

Post office (NSC) Shares/Debenture Gold/Silver Real Estate

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QA. Investor ever invested their

money in Mutual fund

No. of Respondents

43%

57%

Yes No

Response Yes No

No. of Respondents 65 85

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QA. In which kind of mutual fund

investor investNo. of investor

34%

66%

Public Private

Investment kind Public Private

No. of investor 22 43

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QA. Why investor not invested in

mutual fund

No. of Respondents

55%

25%

20%

Not Aware Higher Risk Not any specific reason

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QA. Mode of Investment Preferredby the Investors

No. of Investor

35%

65%

Lump Sup Investment Systematic Investment Plan (SIP)

Mode of Investment Lump Sup InvestmentSystematic Investment Plan(SIP)

No. of Investor 52 98

QA Investor expected rate of return

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QA.Investor expected rate of return

8

39

67

36

0 20 40 60 80

7% to 10%

10% to 15%

15% to 20%

Above 20%

Rateofre

turn

7% to 10% 10% to 15% 15% to 20% Above 20%

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QA.How investor do their taxplanning

41

103

29

10

0

20

40

60

80

100

120

No.of

Investor

Tax saver Mutual fund Life Insurance

Pension Plan Others

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Finding From Study

Out of 150 respondents we found that age group between 25-30years respondents are investing more as compare to others. Andmajority of the respondents are salaried and business man.

Out of 150 respondents 85 are not invested in Mutual Fund and its

operations. Out of the total respondents, majority of respondents want to get

return between 15% to 20%.

Out of total respondents 65 are invest in Mutual Fund and out ofthis 43 are used Equity Scheme

In mutual fund majority of the respondent prefer systematicinvestment plan because of the long term gain. And they moreprefer growth option while investing in different mutual fundinvestment.

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Recommendation

The company should focus and create awareness of SIP / STPamong individuals of different occupations, educationalqualifications and different income segments.

Investors should be encouraged in order to invest a higher

percentage of their monthly income and savings into SIP /STP.

Tax Benefits is another factor, which could make the investorsto invest.

There are large numbers of higher income class who are notexposed to SIP / STP; AMC should try to cater them.

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Conclusion

If Mutual Funds gain investors trust, money will follow. It isimportant to gain mind-share rather than wallet share of theinvestors.

The future is very bright. This industry is very important role

to play in providing alternative avenues to the entire gamutof investors in a scientific and professional manner.

Mutual Fund industry has been evolving very well for animportant reason that, today we have the best system andprocedure, good regulatory mechanism, use of technology,transparency and sharing of details and dissemination ofinformation at an improved level.

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Thank You