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On
Investment Pattern Of General Public in Mutual Fund
(Focus on Mutual Fund)
Name :
Company :
Designation :
Contact No. :
JAY VYAS
d. Do you know that you can get Tax Advantages by investing in Mutual Funds?
[ ] Yes [ ] No [ ] Not Sure
v. Net returns better than a Bank Fixed Deposit with high liquidity.
1 2 3 4 5
Strongly Disagree Disagree Neutral Agree Strongly Agree
12. Are you aware that current account surpluses can also earn interest by parking in
Mutual Funds even for one day? [ ] Yes [ ] No [ ] Maybe
13. If Mutual Fund offer you Steady Returns, Tax Benefits, Liquidity, Diversification of
Portfolio, Lesser Risk would consider it as an investment option in the future for your
company? [ ] Yes [ ] No [ ] May be
Analysis of Study
⇒ HOW MANY PEOPLE INVESTS?
This is very important to know that how many people do investments among all
respondents. Some people not in position to do investment because of some reason, like
they re-invest in their own unit, working on expansion plans, or they do not have enough
surpluses for investment.
The following pie chart shows the pictorial view of the above statistical data:
People are not able to make investments because they working on their expansion
plans, some of them re-invest their surplus in their own unit and some do not have
enough surpluses to make investment. Following table shows that for what reason
people do not invest.
➢ From the above figure, we can say that 30.77% of the respondents are working on
expansion plans.
➢ From the above figure, we can say that 30.77% of the respondents are re-
investing their surpluses in their own unit.
➢ From the above figure, we can say that 38.46% of the respondents do not have
enough surplus to make an investment/
We have several investment tools. Here we see that in which investment tools people
like to invest more. Here I took one option i.e. others which includes LIC, Other
insurance, Post saving schemes etc. Following table shows preference of people for
particular investment tool.
1
Here we calculate % on the basis of total i.e. total of investor who invest in different tool eg. Bank FD has 123
investors so we calculate % 123/389.
2
Here we have 158 respondents who invest at present.
3
Consist of LIC, other insurance, Post saving schemes etc
.
Department of Management Studies.
Administrative Management College.
The following pie chart shows the pictorial view of the above statistical data:
Chart showing Share of different Investment tools
➢ Following Bank Fixed Deposits 2nd is Equities in which people prefer to invest.
Once the motive of the investor is clear, he will consider certain factors before making an
investment. We have tried to cover most of the factors in our questionnaire, which the
investor takes into account while making an investment.
Here I used ranking for different factors. Respondent asked to give rank as per his/her
choice i.e. 1st rank to which factor he/she consider most important and like this go further
in ranking.
Rank given
Factor
considered 1
2 3 4
for
investment
Tax Benefit 68 68 22 0
The following chart shows the pictorial view of the above statistical data:
Chart showing Factors Considered by the Investor for Investment
➢ More of the people consider tax benefit as most important criteria for investment.
As we can see that 68 people has ranked it as 1st and another 68 ranked it as 2nd.
➢ People while making an investment also take return into account. But return has
relatively less important as compared to Tax Benefit.
A SME person is also considered about liquidity. But here we see that liquidity is not
given more importance.
Here I asked the respondents to give rank to different investments options as per their
preference. It is totally based on a person’s point of thinking and ability to take risk and
investing money in the market. Here we see the result in following table.
Investment
s Options Ranks
1 2 3 4 5
Bank FDs 81 36 18 12 0
RBI Bonds 15 35 54 12 2
Mutual 4 6 28 56 2
Funds
Equities 52 59 21 6 2
The following chart shows the pictorial view of the above statistical data:
In this research we have 158 people who do investments. Out of that some invests in
Mutual Funds and some do not invests in Mutual Fund. Following table shows us the no
of people who invests in Mutual Fund out of 158 people.
The following pie chart shows the pictorial view of the above statistical data:
Chart showing how many Investors Invests in Mutual Fund.
I asked to investors about the reasons for not investing in Mutual Fund. I given them
some reason and asked them to give their opinion about those reasons. Following table
shows us data related to this. There are 258 respondents because a person has more
than one reason for not to invest in Mutual Fund.
The following pie chart shows the pictorial view of the above statistical data:
People may have basic idea about Mutual Funds. But they may or may not know the
different schemes available in Mutual Funds. Here we see that how many people know
all the schemes, some of the schemes or none of the schemes.
The following pie chart shows the pictorial view of the above statistical data:
Now a days Mutual funds are becoming an investment option for people. When I told
about benefits of Mutual Fund to respondents and ask them will they consider Mutual
Fund as an investment option in future? Following table shows result of that question.
Table showing will Mutual Fund be an Investment option for Investors in future?
RESEARCH METHODOLOGY
⇒ MAIN OBJECTIVE
⇒ SUB OBJECTIVES
⇒ RESEARCH DESIGN
A research design is the master plan or model for the conduct of formal investigation and
survey. It is a specification of methods and procedures for acquiring the information
Department of Management Studies.
Administrative Management College.
needs for solving the problem. It decides the source of information and methods for
gathering the data. A questionnaire and other forms are tested to use the collection of
data. A sampling design is to be selected.
Good research design ensures that the information obtained is relevant to the research
question and that it was collected by objectives. Since research design is simply the
framework of plan for a study, it should be used as a guide in collecting and analyzing
the data. It is a blueprint that is followed in completing the research study.
Our approach to research is descriptive. The major objective of the descriptive research
is to describe something – usually market features or functions. It requires a clear
specification of the who, what, when, where, why, & the way (the 6 Ws) of the research.
Our 6 Ws are:
First of all direct approach to respondent and if they are busy then take
appointment.
f) Way: In what way we are going to obtain the information from the
respondents?
⇒ SAMPLING
i. Sample size-210
ii. Elements- General Public.
iii. Sampling Units- Business place.
iv. Extent- Bangalore City
v. Research Instrument-Questionnaire
⇒ RESPONSE RATE
The response rate was average. As we had a questionnaire asking for the financial
information of the respondent, most of the people hesitated to provide the required
information. Also the questionnaire contained some financial terms that were technical in
nature, which resulted into reduced response rate. I have visited nearly 280 potential
respondents, out of which only 200 gave proper response. Hence,