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25
20
20 15 12 13 12 8
15
10
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b). Occupation of the investors of Jaipur south Govt. Ser Pvt. Ser Business Agriculture Others
35 30 No. of Investors 25 20 15 10 5 0
Govt. Service
30
24
20
2
Pvt. Service Business Agriculture
2
Others
Interpretation: In Occupation group most of the Investors were Private employees, the second most Investors were Govt.employees and the least were associated with agriculture and industry.22 investors not responded.
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(c). Monthly Family Income of the Investors of Jaipur south Up to Rs.15,000 Rs. 15,001 to 10000 Rs. 20,001 to 30,000 Rs.30,001 to 40,000 Rs. 40,001 and above
40 35 No. of Investors 30 25 20 27
38
26
15
10 5 0 <=15 15-20 20-30 30-40 >40 6 3
Interpretation: In family Income group, between Rs.30,000-40,000 were more in numbers, the second most were in the Income group between Rs.20,000-30,000 and the least were in the group of below Rs. 15,000.
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(2) Investors invested in different kind of investments. a. Saving account e. Post Office-NSC, etc b. Fixed deposits f. Shares/Debentures c. Insurance g. Gold/ Silver d. Mutual Fund h. Real Estate
Real Estate Gold/Silver Shares/Debentures Post Office(NSC) mutual funds Insurance Fixed Deposits Saving A/c Linear (Real Estate)
8 4 6 9 16
18
17 22 0 10 20 No. of respondent 30
Interpretation: About all the Respondents had a Saving A/c in Bank, 18% invested in insurance sector ,17% Invested in Fixed Deposits, Only 16% Respondents invested in Mutual fund.
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3. Preference of factors while investing (a) Liquidity (b) Low Risk (c) High Return (d) Trust
trust
high return low risk liquidity
18
32 30 20
10
20
30
40
Interpretation: Mostly Respondents preferred High Return while investment, the second most preferred Low Risk then liquidity and the least preferred Trust.
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25%
75%
Yes
No
Interpretation: Only 75% Respondents were aware about Mutual fund and its operations
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5. Source of information for customers about Mutual Fund a. Advertisement b. Peer Group c. Banks d. Financial Advisors
40 35 No. of Respondents 30 25 20 15 10 5 0
Advertisement Peer Group Bank
34
14
10
17
Financial Advisors
Source of Information
Interpretation: Most of the respondents claimed their source of information are financial advisiors and least claimed advertisement. 20% investors not responded.
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No 30%
Yes 70%
Interpretation: Among 100 Respondents only 70% had invested in Mutual Fund.
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7. Reason for not invested in Mutual Fund (a) Not aware of MF (b) Higher risk (c) Not any specific reason
90 80 80
NO. OF RESPONDENT
70 60 50 40 30 20 10 0
Not Aware Higher Risk Not Any
13
REASONS
Interpretation: The most vital problem spotted is of ignorance. Investors should be made aware of the benefits. Nobody will invest until and unless he is fully convinced.
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8. Preference of Investors for future investment in Mutual Fund a. SBIMF b. UTI c. HDFC d. Reliance e. Kotak f. Other. specify
8 14 20 21 8 10 19 0 5 10 15 20 25
SBIMF
No. of Investors
Interpretation: For Future investment the maximum Respondents preferred Reliance Mutual Fund, the second most preferred ICICI Prudential, SBIMF has been preferred after them.
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9. Reason for invested in SBIMF a. SBIMF is associated with State Bank of India. b. They have a record of giving good returns year after year. c. Agent Advice
50 45 40 NO. OF RESPONDENT 35 30 25 20 15 20 16 44
10
5 0 Associated with SBI
Interpretation: Out of 70 investors of SBIMF 36% have invested due to its association with the Brand SBI,13% Invested because of Advisors Advice and 16% due to better return. 20% investors not responded.
Better Return
Agents Advice
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10. Channel Preferred by the Investors for Mutual Fund Investment (a) Financial Advisor (b) Bank (c) AMC
45
40 NO. OF RESPONDENT
42
35
30 25 20 15 10 5 0 11 17
Financial Advisor
Bank
AMC
CHANNELS
Interpretation: 42% Investors preferred to Invest through Financial Advisors, 17% through AMC (means Direct Investment) and 11% through Bank. 30% investors not responded.
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11. Mode of Investment Preferred by the Investors a. One Time Investment b. Systematic Investment Plan (SIP)
Interpretation: 63% preferred One Time Investment and 37% preferred SIP out of both
12. Preferred Portfolios by the Investors a. Having only debt portfolio b. Having debt & equity portfolio. c. Only equity portfolio.
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35
30
NO. OF RESPONDENT
25
20
15
10
Equity
Interpretation:
Debt
Balance
The most preferred Portfolio was Equity, the second most was Balance
(mixture of both equity and debt), and the least preferred Portfolio was Debt portfolio.Recommendations. 30% investors not responded.
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In Occupation group most of the Investors were Private employees, the second most Investors were Govt.employees and the least were associated with agriculture and industry.22 investors not responded In family Income group, between Rs.30,000-40 ,000 were more in numbers, the second most were in the Income group between Rs.20,000-30,000 and the least were in the group of below Rs. 15,000. About all the Respondents had a Saving A/c in Bank, 18% invested in insurance sector ,17% Invested in Fixed Deposits, Only 16% Respondents invested in Mutual fund. Most of the respondents claimed their source of information are financial advisiors and least claimed advertisement. 20% investors not responded. Mostly Respondents preferred High Return while investment, the second most preferred Low Risk then liquidity and the least preferred Trust. Only 75% Respondents were aware about Mutual fund and its operations For Future investment the maximum Respondents preferred Reliance Mutual Fund, the second most preferred ICICI Prudential, SBIMF has been preferred after them. Among 100 Respondents only 70% had invested in Mutual Fund.
Out of 70 investors of SBIMF 36% have invested due to its association with the Brand SBI,13% Invested because of Advisors Advice and 16% due to better return. 20% investors not responded. 42% Investors preferred to Invest through Financial Advisors, 17% through AMC (means Direct Investment) and 11% through Bank. 30% investors not responded.
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63% preferred One Time Investment and 37% preferred SIP out of both type
of Mode of Investment. The most preferred Portfolio was Equity, the second most was Balance
(mixture of both equity and debt), and the least preferred Portfolio was Debt portfolio.Recommendations. 30% investors not responded. The most vital problem spotted is of ignorance. Investors should be made aware of the benefits. Nobody will invest until and unless he is fully convinced. Mutual Fund Company needs to give the training of the Individual Financial Advisors about the Fund/Scheme and its objective, because they are the main source to influence the investors. Younger people aged under 35 will be a key new customer group into the future, so making greater efforts with younger customers who show some interest in investing should pay off. Systematic Investment Plan (SIP) is one the innovative products launched by Assets Management companies very recently in the industry. SIP is easy for monthly salaried person as it provides the facility of do the investment interest in investing should pay off.
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