A

Project Report
On
"A STUDY ON PORTFOLIO MANAGEMENT AND INVESTMENT"

At

FUNDSROOM

Submitted to the Savitribai Phule Pune University in

Partial Fulfillment of Requirement for the Award of Degree of
MASTER OF BUSINESS ADMINISTRATION

SUBMITTED BY

Mr. Sachin Kuwal

MBA –III Semester

UNDER THE GUIDANCE OF

Dr. Jayshri Murli

Through

The Director, ATSS’s

Institute of Industrial and Computer Management and
Research
Pradhikaran, Nigdi, Pune

Batch 2022-24
INSTITUTE C E R T I F I C A T E

This will be given by our Institute

 COMPANY C E R T I F I C A T E

(Company Letter head)

TO WHOM SO EVER IT MAY CONCERN

This is to certify that Mr./ Ms. ......................... has successfully completed summer
internship project work entitled
“ .................................................................................................................................... ”
during the period from ………………..to …………………

Date:

Place:

Authorized signatory

(With company seal)

 FORMAL FEEDBACK AND EVALUATION SHEET

(Company Letter head)

This is to certify that Mr. / Ms. ......................... Has completed summer Internship at our
organization. The task handle by him are as follows

• Nature of work :

• Quantum of work:

• Effectiveness:

• Overall Professionalism:

• Learning outcome:

• Utility of SIP to the host organization:

Date:

Place:

Authorized signatory

(With company seal)

 STUDENT DECLARATION

I, the undersigned, hereby declare that the Project Report titled “A STUDY ON
PORTFOLIO MANGEMENT AND INESTMENT’’ written and submitted by me to
the Savitribai Phule Pune University in partial fulfillment of the requirements for the award
of degree of Master of Business Administration under the guidance of Dr. Jayasri Murali
is my original work and the conclusions drawn therein are based on the material collected
by myself.

Date: Signature

Place: Sachin Kuwal

 ACKNOWLEDGMENT

I take this opportunity to express my profound gratitude to the Director, Dr. Abhay
Kulkarni, and HOD Dr. (Adv.) Manisha Kulkarni whose wisdom as well as foresight,
I continually benefit from. I am indebted to them for extending me all the cooperation and
patronage they render towards us. They have been wonderful supporters and continuous
motivators for me which helped me in turning my ordinary project into an excellent one.

I also take this opportunity to express a deep sense of gratitude to Company project guide
Anurag Singh for his/her cordial support, valuable information and guidance, which
helped me in completing this task through various stages.

I am obliged to staff members of Fundsroom, for the valuable information provided by

them in their respective fields. I am grateful for their cooperation during the period of my
SIP.

It is my privilege to express my profound gratitude and deep regards to my project guide

Dr. Jayshri Murli for his/her exemplary guidance, monitoring and constant
encouragement throughout the course of this summer internship project. The blessing, help
and guidance given by her/him time to time shall carry me a long way in the journeyof life
on which I am about to embark.

I am also very thankful to all SME, who laid the foundations of various concepts as well
as fruitful discussions and suggestions has helped me to enrich my project work.

I also take immense pleasure to thank Head-Corporate Relations, for giving me an

opportunity and placing me for the SIP and Project Coordinator Dr. Jayasri Murali for
supporting us throughout the process of SIP.

Lastly, I thank almighty, my parents, brother, sisters and friends for their constant
encouragement without which this summer internship project would not be possible.

Place : Pune Signature

Date : Sachin Kuwal
 INDEX

SR. NO. CONTENTS PAGE NO.

1 EXECUTIVE SUMMARY
1.1 Objective of the Study 1
1.2 Need of the Study 1
1.3 Scope of the Study 1
1.4 Timeline of the Project 2
1.5 Research Methodology 2
1.6 Data Analysis 2
1.7 Limitations of the Study 2
1.8 Learning from the Project 2
1.9 Contribution to the Host Organization 2

2 ORGANISATION PROFILE 3
3 12
TASK UNDERTAKEN
4 RESEARCH METHODOLOGY
4.1 Introduction 13
4.2 Research Design 13
4.3 Sampling Design 14
4.3.1 Sampling Type 14
4.3.2 Sampling Method 14
4.3.3 Sample Size 14
4.4 Data Collection 14

5 DATA ANALYSIS & INTERPRETATION 15

6 FINDINGS & OBSERVATIONS 30
7 SUGGESTIONS 31
8 KEY LEARNINGS 32
9 CONCLUSION 33
10 BIBLIOGRAPHY 34
11 ANNEXURE
 CHAPTER- 01

EXECUTIVE SUMMARY
 CHAPTER-01
EXECUTIVE SUMMARY

Project Title: “A Study on Portfolio Management and Investment”

Company Name: Fundsroom

Industry Type: Financial Services

Duration: 2 Months

In order to keep the Investor safe from market fluctuation and make them profitable, Portfolio
Management Services (PMS) is fast gaining Investment Option for the High Networth Individual
(HNI). There is growing competition between brokerage firms in post reform India.
For investor it is always difficult to decide which brokerage firm to choose.
Portfolio management involves the strategic management of a collection of financial assets,
known as a portfolio, to achieve specific investment objectives. The primary goals are to optimize
returns while considering the level of risk an investor is willing to tolerate. Investment portfolios
typically consist of a mix of asset classes, such as stocks, bonds, and cash equivalents, to diversify
risk and enhance overall performance. The process includes asset allocation, where investments
are distributed among different categories, and ongoing monitoring and adjustments to ensure the
portfolio aligns with the investor's financial goals and risk tolerance. Successful portfolio
management requires a keen understanding of financial markets, economic trends, and risk factors.
Investors may also employ various strategies, such as active or passive management, to navigate
market conditions. Ultimately, effective portfolio management is essential for individuals and
institutions seeking to build and preserve wealth through well-informed and strategic investment
decisions.

1.1 Objective of the Study:

 To know about the awareness towards stock brokers and share market.
 To study whether people are satisfied with the Fundsroom services and Management
or not. 
 To study about the need of improvement in existing Trading system. 
 1.2 Need of the Study:
 Need of the study is to understand the current position of Fundsroom in the market.
 In this study attempts are made to discover the needs and preference of the investors.

1.3 Scope of the Study:

 The scope of study is to find out the Fundsroom, PMS effectiveness in the current
situation.
 The scope of the study is to lookout for new prospective customers who are willing to
invest in PMS.

1.4 Timeline of the Project:

 The project commenced on 24st July,2023 and completed on 22th September,2023.

1.5 Research Methodology:

 Research done using Research Design Descriptive Research, Primary Data Collection
and Secondary Data collection from (Internet, other stock market analysis sites).

1.6 Data Analysis & Interpretation:

 Analyze the awareness of share market and stock broker.
 Analyze the reason for using Fundsroom services.
 Analyze the level of satisfaction from Fundsroom PMS services. 

1.7 Limitation of the Study:
 The data is limited to small group of population.
 The study is based on primary and secondary data. Hence, limited scope of information
and potential bias in the data collection may affect the accuracy of the result of the study.


1.8 Learning from the Project:
 I have learned about the basic purpose of investment of investors.
 I learned about the risk tolerance level of investors.
 I have learned about factors effecting the investment decisions.



1.9 Contribution to the Host Organisation:
 Contributed to the organisation by analyzing stock market daily and managing the
client portfolio.
 CHAPTER – 02

ORGANIZATION PROFILE
 CHAPTER-02
ORGANIZATIONAL PROFILE

“FUNDSROOM FINANCIAL SERVICES”

HEADQUARTER: East Street, Camp Pune, Maharashtra 411001

WEBSITE: www.fundsroom.com

ABOUT THE COMPANY

Fundsroom is a Fintech platform that provides one single platform for all major investment asset
classes ranging from Stocks, Mutual funds, Digital Gold, Insurance, Real estate, and Banks.
Essentially, we bridge the gap between the customers and service providers through our platform.
Fundsroom is a registered startup under AMFI, BSE, and Start-up India and is one of the fastest
emerging Fintech start-ups within the region and country.
They understand the world of Investing. They firmly believe that investments need to be planned
systematically to achieve certain goals. And that’s what we try to do – we assign goal to each
investment and draw a plan to achieve that goal in a systematic way. It is not the investment product
but a goal that is invested in.
Their robust technology platform backed by latest of technological tools and application of data
analytics at various stages of investment like defining the goal, risk profiling, fund recommendation
and portfolio re-balancing makes the entire process seamless, effective & result oriented.
2020: Funds room is founded by a team of experienced financial professionals.
2021: Funds room launches its online investment platform.
2022: Funds room raises $10 million in Series A funding.
2023: Funds room continues to grow its user base and expand its product offerings.

VISION

“Building a simple financial services organization without any complexity.”

MISSION

“Our mission has always been to equip self - directed investors with all the applications and
services they need to make better investment decisions, and we have developed a reputation for
doing just that over time.”

Funds Room provides highest of the security so that investor can focus on hisinvestments. Funds
Room offers many benefits some of which are like as –

 Fundsroom is Completely digital platform

 Fundsroom provides Customized portfolio for every investor.

 No requirement to have DEMAT account

 No Fees, No Charges.

SERVICES PROVIDED BY FUNDSROOM

MUTUAL FUNDS:

 Investing in diversified Holdings.

 Let the experts manage.

 Let’s grow your Funds.

 STOCKS:
 Higher Liquidity. 

 Versatility.

 Higher returns in shorter periods of time.

REAL ESTATE:

 Traditional Investment sector.

 Cash Flow

 Tax Breaks & Deductions




DIGITAL GOLDS:
 E-golds, Gold ETFs, Bullions ETCs.

 Gold is deemed as a safe heaven.

 Gold is the best investment to do.




INSURANCE:

 Various insurance products, including life, health, and general insurance, with a
comparison and purchase feature.

Additionally, Fundsroom provides valuable features such as:

 Investment Research: Access to tools and resources for well-informed

investment decisions.

 Portfolio Management: Assistance in creating and managing investment

portfolios with real-time adjustments.

 Tax Advice: Expert guidance on optimizing tax savings from investment gains.
ORGANISATIONAL STRUCTURE

Fundsroom's organizational structure is likely to follow a conventional hierarchy, led by a

CEO, senior executives, middle managers and team leads, and individual contributors. A
possible structure could be:
 CEO

 COO (Product, Engineering, Marketing, Sales Heads)

 CFO (Finance, Risk Heads)

 CTO (Infrastructure, Security Heads).

 Senior Executives (Customer Support, Compliance, Legal Heads).

 Middle Managers and Team Leads: Investment Team Leads (Mutual Fund, Digital
Gold, Real Estate, Insurance) Research and Analysis, Portfolio Management, Tax
Advice Team Leads.

 Individual Contributors: Various roles such as Customer Support Representatives,

Analysts, Legal Counsel, and Portfolio Managers.

COMPETITORS OF FUNDSROOM

 Groww (Bengaluru): Provides access to mutual funds, stocks, and various investment
products.
 Angel One (Mumbai): Offers a range of investment products, including stocks, mutual
funds, and ETFs.
 Upstox (Mumbai): Allows users to invest in stocks, mutual funds, and ETFs.
 Zerodha (Bengaluru): One of India's largest online stockbrokers, known for its
substantial client base.
 Paytm Money (Noida): Offers access to mutual funds, stocks, and investment
products.
 5paisa (Mumbai): Provides access to stocks, mutual funds, and ETFs.
 IndMoney: Offers a wide range of investment products and financial planning
services.
 Etmoney: Provides access to mutual funds, stocks, and financial planning services.
 CHAPTER- 03

TASKS UNDERTAKEN
 CHAPTER-03
TASKS UNDERTAKEN

 I was tasked with opening demat accounts for our clients. This enhanced my communication
skills.

 I was also responsible for preparing portfolio allotment reports for our clients. This task
required analyzing their financial goals, risk tolerance and market conditions.

 Throughout my internship I had the privilege of working under the guidance of experienced
professionals in the portfolio management team who provided me deeper understanding of
the financial markets.
 CHAPTER – 04

RESEARCH METHODOLOGY
 CHAPTER - 04
RESEARCH METHODOLOGY

4.1 INTRODUCTION
Descriptive Research Design method was used for the project. Primary data and Secondary data
were acquired from various sources to analyze the use of Portfolio Management Services by
investors.

To carry out this project primary data is collected through questionnaire.

Secondary data is used for collection of data(such as journals, newspaper, websites of Fundsroom).

4.2 Research design

In this study my focus is to understand investors behavior regarding portfolio management
services.

4.3 Sampling design

This report is based on primary as well secondary data, however primary data collection was given
more importance since it is overhearing factor in attitude studies. One of the most important users of
research methodology is that it helps in identifying the problem, collecting, analyzing the required
information data and providing an alternative solution to the problem.

4.3.1 Sampling Type

Project selects a random group of people for the study from a larger group of population.

4.3.2 Sampling Method

In this study random sampling and non-probability sampling method was chosen.

4.3.3 Sampling size

The sample size for this projects report has been kept limited to the number of 70 respondents.
On the basis of the information revealed by these respondents the data has been collected
analyzed and interpreted.
4.4 Data collection
Data has been collected by means of Primary and Secondary Sources.

A) Primary Data: For the Present study primary data is collected through Questionnaire.

B) Secondary Data: Secondary data has been collected through various Publications like books,
newspapers, web, Reports, etc.
 CHAPTER-05

DATA ANALYSIS AND

INTERPRETATION
 CHAPTER-05
DATA ANALYSIS AND
INTERPRETATION

1. WHAT IS YOUR JOB PROFILE?

Sr. No. Occupation No. of Respondents

1 Business 12
2 Professional 12
3 Student 38
4 Other 8

INTERPRETATION:

Out of total respondents, most of respondents were students, 17.1% from business class, 17.1% were
professional and rest of the respondents were from other background.
 2. WHAT IS YOUR PRIMARY GOAL OF INVESTMENT?

Sr. No. GOAL No. of Respondents

1 Wealth Creation 46
2 Retirement Planning 8
3 Education Funding 4
4 Other 12

INTERPRETATION:

Out of total respondents, primary goal of 65.7% respondents was wealth creation, 11.4%
respondents was retirement planning, 0.05% respondents was education funding and 17.1%
respondents was other goal.
 3. FROM WHICH OPTION YOU WILL GET THE RETURNS

Sr. No. GOAL No. of Respondents

1 Mutual Funds 22
2 Shares 28
3 Fixed Deposite 12
4 Bonds 4
5 Other 2

INTERPRETATION:

Out of total respondents, 32.4% respondents were interested in mutual funds, 41.2% respondents in
shares, 17.6%respondents in fixed deposits and other respondents in bonds and others.
 4. WHAT IS THE MOST IMPORTANT FACTOR YOU CONSIDER AT THE TIME OF
INVESTMENT?

Sr. No. FACTOR No. of Respondents

1 Risk 14
2 Return 20
3 Both 36

INTERPRETATION:

As the above analysis gives the clear idea that most of the Investors considered the market factor as
around 20% for Risk and 28.6% Return, but most important common things in all are that they are
even ready for taking both Risk and Return in around 51.4% investor.
 5. HOW OFTEN DO YOU PREFER TO MONITOR AND ADJUST YOUR INVESTEMNT
PORTFOLIO?

Sr. No. Duration No. of Respondents

1 Daily 24
2 Weekly 16
3 Monthly 24
4 Quarterly 6

INTERPRETATION:

Out of the total respondents, 34.3% respondents want to monitor investment portfolios daily, 22.9%
weekly, 34.3% monthly and 8.6% quarterly.
 6. IF YOU TRADE WITH FUNDSROOM FIANANCIAL SERVICES, THEN WHY?

Sr. No. Reason No. of Respondents

1 Services 16
2 Investment tips 30
3 Research 14
4 Other 10

INTERPRETATION:

Out of the total respondents, 42.9% respondents use Fundsroom for investment tips, 20% for
research, 22.9% for service and 14.3% for other reasons.
 7. ARE YOU USING PORTFOLIO MANAGEMENT SERVICES(PMS) OF
FUNDSROOM?

Sr. No. Options No. of Respondents

1 Yes 36
2 No 34

INTERPRETATION:

Out of the total respondents, 51.4% are using Portfolio Management Services of Fundsroom and
48.6% respondents are not using.
 8. ARE YOU SATISFIED WITH THE PORTFOLIO MANAGEMENT SERVICES OF
FUNDSROOM?

Sr. No. Response No. of Respondents

1 Very Satisfied 18
2 Satisfied 26
3 Neutral 26
4 Dissatisfied 0

INTERPRETATION:

Out of the total respondents, 25.7% were very satisfied with the PMS services of Fundsroom,37.1%
were satisfied, 27.1% were neutral.
 9. DOES FUNDSROOM KEEP IT PORTFOLIO MANAGEMENT SERVICES
TRANSPARENT?

Sr. No. Response No. of Respondents

1 Yes 58

2 No 12

INTERPRETATION:

Out of the total respondents ,82.9% say that Fundsroom keep its PMS transparent and 17.1% say do
not agree to this.
 10. HOW WOULD YOU DESCRIBE YOUR RISK TOLERANCE LEVEL WHEN MAKING
INVESTMENT DECISIONS THROUGH FUNDSROOM?

Sr. No. Level No. of Respondents

1 High 18

2 Medium 50

3 Low 2

INTERPRETATION:

Out of the total respondent’s risk tolerance level was medium, 25.7% was high and other was low
when making investment decision through Fundsroom.
 11. DO YOU RECOMMEND FUNDSROOM PORTFOLIO MANAGEMENT SERVICES
TO OTHER?

Sr. No. Response No. of Respondents

1 Yes 56

2 No 12

INTERPRETATION:

Out of the total respondents 82.4% will recommend Fundsroom PMS to other’s, 17.6% will not.
 CHAPTER – 06

FINDINGS AND OBSERVATION

 CHAPTER
-06
FINDINGS AND OBSERVATION

FINDINGS
 The majority of respondents were students (most), with 17.1% from the business class and
17.1% being professionals, while the rest were from various other backgrounds.
 Wealth creation was the primary goal for 65.7% of respondents, 11.4% focused on retirement
planning, 0.05% on education funding, and 17.1% had other goals.
 Mutual funds were of interest to 32.4% of respondents, 41.2% preferred shares, and 17.6%
chose fixed deposits, with others opting for bonds and different investment options.
 Most investors considered market factors as 20% for risk and 28.6% for return, with 51.4%
expressing readiness for both risk and return.
 34.3% of respondents wanted to monitor their investment portfolios daily, 22.9% weekly, 34.3%
monthly, and 8.6% quarterly.
 Fundsroom was used by 42.9% for investment tips, 20% for research, 22.9% for service, and
14.3% for other reasons.
 Among Fundsroom clients, 51.4% used Portfolio Management Services (PMS) for their
investment option.
 Satisfaction with Fundsroom's PMS services varied: 25.7% were very satisfied, 37.1% were
satisfied, and 27.1% were neutral.
 82.9% of respondents believed that Fundsroom keeps its PMS transparent, while 17.1%
disagreed.
 Risk tolerance levels varied among respondents, with 25.7% having a high tolerance, the
majority having a medium tolerance, and others having a low tolerance when making
investment decisions through Fundsroom.
 82.4% of respondents would recommend Fundsroom PMS to others, while 17.6% would not.

OBERVATION

 Fundsroom attracts diverse clients, including a significant number of students, business

professionals, and individuals from various backgrounds.
 The company's emphasis on wealth creation aligns with the primary goal of 65.7% of
respondents.
 Fundsroom needs to cater to diverse investment preferences, considering the interest in mutual
funds, shares, and fixed deposits.
 The observation that 51.4% of clients use Portfolio Management Services (PMS) indicates a
demand for personalized investment management.
 Positive satisfaction rates (25.7% very satisfied, 37.1% satisfied) and an 82.9% perceived
transparency contribute to client trust.
 Recognizing varying risk tolerance levels is crucial for Fundsroom to tailor investment
strategies to individual preferences.
 The high recommendation rate of 82.4% suggests strong client loyalty and potential for organic
growth.
CHAPTER – 07

SUGGESTIONS
 CHAPTER-07
SUGGESTIONS

o The company should also organize seminars and similar activities to enhance the

knowledge of prospective and existing customers, so that they feel more comfortable

while investing in the stock market.

o Investors must feel safe about their money invested.

o Investor’s accounts must be more transparent as compared to other companies.

o Fundsroom limited must try to promote more its Portfolio Management Services

through Advertisements.

o Fundsroom needs to improve more it’s Customer Services

o There is need to change in lock in period in all three PMS i.e. Protech, Proprime, Pro

Arbitrage.

o Establish a structured feedback mechanism to gather insights and adapt services to

evolving client needs and preferences.


CHAPTER – 08

KEY LEARNINGS
 CHAPTER-08
KEY LEARNINGS

 Learnt the different types of market and the different investment opportunities

prevailing in the market.

 Learnt how to use analysis to analyze the performance of the different industry.

 Under Technical aspect, learnt the different types of technical indicators

 Learn Investment patterns.

 Learnt the basics of derivatives market i.e., futures and options.

 I have learned about the basic purpose of investment of investors.

 I learned about the risk tolerance level of investors.

 I have learned about factors effecting the investment decisions.

CHAPTER – 09

CONCLUSIONS
 CHAPTER-09
CONCLUSIONS

The observations regarding Fundsroom reveal a diverse client base, with a significant presence among
students, business professionals, and individuals from various backgrounds. The company's alignment
with the primary goal of wealth creation resonates with the majority of respondents, showcasing a
strategic focus. The need to cater to diverse investment preferences, including mutual funds, shares,
and fixed deposits, underscores the importance of offering a broad range of investment options.

The observation that over half of clients use Portfolio Management Services (PMS) signals a demand
for personalized investment management, affirming the relevance and appeal of these services. Positive
satisfaction rates and high perceived transparency contribute positively to client trust, indicating a
strong foundation for customer relations. Recognizing the variance in risk tolerance levels emphasizes
the importance of tailoring investment strategies to meet individual preferences.

The high recommendation rate suggests strong client loyalty, indicative of potential organic growth.
However, the company should consider organizing seminars and educational activities to enhance
customer knowledge, fostering a sense of comfort in stock market investments. Ensuring the safety of
investors' money, improving transparency in accounts, promoting PMS through advertisements, and
enhancing customer services are crucial areas for improvement. Changes in lock-in periods for PMS
and the establishment of a structured feedback mechanism further demonstrate a commitment to
adaptability and continuous improvement.

In conclusion, Fundsroom stands at a pivotal juncture where addressing these suggestions could solidify its
position, improve client satisfaction, and foster sustainable growth in the competitive financial services
landscape.
CHAPTER – 10

BIBLIOGRAPHY
 CHAPTER-10
BIBLIOGRAPHY

 WEBSITES:

 WWW.BSEINDIA.COM

 WWW.SEBIINDIA.COM

 WWW.FUNDSROOM.COM

 BOOKS:

 Research Methods for Graduate Business and Social Science Students, Adams
John, Hafiz T. A. Khan, Robert Reside and David White, (2009)
 Security Analysis and Portfolio Management by Punithavathi Pandian.
 Investment Management, Natarajan, (2005)
ANNEXURE
QUESTIONNAIRE:

1. What Is Your Job Profile?

a) Business
b) Professional
c) Student
d) Other

2. What is your primary goal of investment?

a) Wealth Creation
b) Retirement Planning
c) Education Funding
d) Other

3. From which option you will get the best returns?

a) Mutual Funds
b) Shares
c) Fixed Deposits
d) Bonds
e) Other

4. What is the most important factor you consider at the time of investment?

a) Risk
b) Return
c) Both

5. How often do you prefer to monitor and adjust your investment portfolio?

a) Daily
b) Weekly
c) Monthly
d) Quarterly

6. If you trade with Fundsroom financial services, then why?

a) Services
b) Investment tips
c) Research
d) Other

7. Are you using Portfolio management services (PMS) of Fundsroom?

a) Yes
b) No
8. Are you satisfied with the Portfolio management services of Fundsroom?

a) Very satisfied
b) Satisfied
c) Neutral
d) Dissatisfied

9. Does Fundsroom keep it Portfolio management services transparent?

a) Yes
b) No

10. How would you describe your risk tolerance level when making investment decisions
through Fundsroom?

a) High
b) Medium
c) Low

11. Do you recommend Fundsroom Portfolio management services to others?

a) Yes
b) No