Study of Mutual Fund In

India
at
Prudent CAS Ltd.
Name:- Amit Mehta
Enrollment No:- 09756052022
 Company Detail
• Started on the year 2000 and still
running successfully
• Company believes in understanding
the customer needs and offering
the product that can match their
requirement.
• Company’s main slogan is “Money
through Wisdom”
• Company offering Financial Planning,
money Management & Investment
advisory services.
Cont….

Company’s Achievements
• It has acquired about 25 to 29% share of
total Mutual Fund business of Gujarat.
• Assets under Management (AUM) more
than 1700 corers
• Won consequently for four years in a
row the most prestigious Prudential
ICICI Chairman Gold Award in FY 2002,
2003 , 2004 and 2005
• Rated 9th best independent Financial
Advisor in all India by Franklin
Templeton for the year 2002
 Service Provided by the
Company
• Weekly report send by e-mail
• Any information related with Indian
Investment world
•

•
 Products Provided by the
company
• Mutual Funds
• Equity & Debt broking
• Life Insurance
• Real Estate Sector
•
 Financial Planning
• Include a mix of short and long term
goals
• Convert your goals into rupee amount
and set a deadline to achieve them
• Diversify your investments according to
your risk profile
• Look for ways to minimize tax
• Don’t forget insurance
• Start retirement planning
• Get professional advise in required
• Don’t wait, implement your plan today
•
 Research Methodology
1. Definition:- According to Clifford Woody, “Research
Methodology comprises of defining & redefining
problems, collecting, organizing &evaluating data, making
deductions &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 Questionnaire
Method) and Experimentation Research.
•

•
q Data Collection Method:-
• (A) Interview Methods
• Personal Interview
• Telephone Interview
• Mail Interview
• (B)Collection of Information:
• The respondents were personally
approached to explain the objective of survey.
During the meeting the questionnaire was fulfilled
by the respondents.
• (C) Questionnaire:
• Questionnaire was structured to get it filled by
investors as well as insurance agents.
•

q
q Sampling method
• The agents and investors had been selected on the basis of random
sampling. The study is sample survey consisting of small sized sample of
agents & investors who had not much awareness of Mutual funds.
•

Ø Sample Size:
• The sample size taken for the study is 150 respondents
Randomly.
•

Ø Target Population or Sampling Unit:

• The universes of the study are Investor & Insurance agents of
Ahmedabad Region.
Ø
•
 SWOT Analysis
• STRENGTHS
•

• Professional management
• Diversified portfolio
• Liquidity
• Tax relief
• Safe and convenient administration
• Low Costs
• Transparency
• Affordability
• Well Regulated
• 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
•
Analysis and Interpretation
QA. Monthly Income of Investor in
Ahmedabad
Monthly income of Investor

100
79
80

No.of investor 60

33
40 26

20 10
2
0

<=10,000 10,001-15,000 15,001-30,000

30,001-50,000 >50,000
QA.Monthly Saving of Investor in
Ahmedabad
Monthly Savings of Investor

113
150

100
No. of
27
Investor 8
50 2

<=5,000 5,001-10,000 10,001-20,000 >20,001

QA. Investments prefer most by the
Investor
Investment Prefer by Investor

80 63 68
52
60
No. of Investor 37
40 28 26
10 14
20

Saving A/C Fixed deposits Insurance Mutual Fund

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

QA. Investor ever invested their
money in Mutual fund
No. of Respondents

43%

57%

Yes No

Response Yes No

No. of Respondents 65 85
QA. In which kind of mutual fund
investor invest
No. of investor

34%

66%

Public Private

Investment kind Public Private

No. of investor 22 43
QA. Why investor not invested in
mutual fund
No. of Respondents

20%

55%

25%

Not Aware Higher Risk Not any specific reason

QA. Mode of Investment Preferred
by the Investors
No. of Investor

35%

65%

Lump Sup Investment Systematic Investment Plan (SIP)

Mode of Investment Lump Sup Investment Systematic Investment Plan

(SIP)

No. of Investor 52 98
QA.Investor expected rate of return

Above 20% 36

15% to 20% 67
Rate of return

10% to 15% 39

7% to 10% 8

0 20 40 60 80

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

 QA.How investor do their tax
planning

103
120

100

80
No.of
41
60
Investor 29
40
10
20

Tax saver Mutual fund Life Insurance

Pension Plan Others
 Finding From Study
• Out of 150 respondents we found that age group between 25-30
years respondents are investing more as compare to others. And
majority 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 of
this 43 are used Equity Scheme
• In mutual fund majority of the respondent prefer systematic
investment plan because of the long term gain. And they more
prefer growth option while investing in different mutual fund
investment.
•
•
 Recommendation
• The company should focus and create awareness of SIP / STP
among individuals of different occupations, educational
qualifications 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 investors
to invest.
• There are large numbers of higher income class who are not
exposed to SIP / STP; AMC should try to cater them.
•
•
 Conclusion
• If Mutual Funds gain investors trust, money will follow. It is
important to gain mind-share rather than wallet share of the
investors.
• The future is very bright. This industry is very important role
to play in providing alternative avenues to the entire gamut
of investors in a scientific and professional manner.
• Mutual Fund industry has been evolving very well for an
important reason that, today we have the best system and
procedure, good regulatory mechanism, use of technology,
transparency and sharing of details and dissemination of
information at an improved level.
•
•
•
Thank You