of Sbi

SUBMITTED TO:MR.
ROSHAN KUMAR
SUBMITTED BY:SARBJEET ROLL NO.147
A mutual fund is an institution that invests the pooled funds of public to create a diversified portfolio of securities. Mutual fund cannot guarantee a fixed rate of return. It depends on the fund manager expertise knowledge. Mutual funds are governed by SEBI (Mutual Funds) regulations, 1996.
By Structure
Open ended:-Investors can buy and sell the units from the fund, at any point of time. Close ended:-These funds raise money from investors only once. Interval:-Interval Schemes are that scheme, which combines the features of open-ended and close-ended schemes.
By Investment
Growth:Growth Schemes are also known as equity schemes. Income:- Income Schemes are also known as debt schemes. Balance:-Balanced Schemes aim to provide both growth and income Money Market:-Money Market Schemes aim to provide easy liquidity, preservation of capital and moderate income.
Others
Tax saving:Tax-saving schemes offer tax rebates to the investors under tax laws prescribed from time to time. Index:-Index schemes attempt to replicate the performance of a particular index such as the BSE Sensex or the NSE 50. Sector specific:-These are the funds/schemes which invest in the securities of only those sectors or industries as specified in the offer documents. e.g. Pharmaceuticals, Software, Fast Moving Consumer Goods (FMCG), Petroleum stocks, etc.
Phase 1 July 1964 to November 1987 Phase 1 November 1987- October 1993 Phase 3-- October 1993- February 2003 Phase 4-- since February 2003
A partner for life Proven Skills in wealth generation Exploiting expertise, compounding growth Fund house expertise Research - the backbone of Performance
EQUITY SCHEMES:-These funds invest a maximum part of their corpus into equities holdings. DEBT SCHEMES:They invest only in debt instruments, and are a good option for investors averse to idea of taking risk associated with equities. Liquid funds: These funds invest 100% in money market instruments, a large portion being invested in call money market. Gilt funds ST: They invest 100% of their portfolio in government securities of and T-bills.
Floating rate funds: Invest in short-term debt papers. Floaters invest in debt instruments which have variable coupon rate. Arbitrage fund: They generate income through arbitrage opportunities due to miss-pricing between cash market and derivatives market. Funds are allocated to equities, derivatives and money markets. Higher proportion (around 75%) is put in money markets, in the absence of arbitrage opportunities. Gilt funds LT: They invest 100% of their portfolio in long-term government securities. Income funds LT: Typically, such funds invest a major portion of the portfolio in long-term debt papers.
Balanced funds: As the name suggest they, are a mix of both equity and debt funds. They invest in both equities and fixed income securities, which are in line with predefined investment objective of the scheme. These schemes aim to provide investors with the best of both the worlds. Equity part provides growth and the debt part provides stability in returns.
To know why Entrepreneurs do not invest in Mutual Funds. To find out the preference towards investment option by entrepreneurs. To find out the preference towards portfolios. To know awareness about mutual funds. To know investment in mutual funds.
Research Design
Descriptive.
Data Collection
Primary Source Secondary Source
Sampling Technique
Convenience Snow ball
Sample Unit
Since the study is restricted only to Phagwara hence the sampling unit is all the Entrepreneurs in Phagwara whether they invest or not invest in mutual fund.
Sample Size
100
Data Analysis and Interpretation
Awareness about Mutual Fund
12%
Yes No 88%
Investment in Mutual Fund
24%
Yes No
76%
30
25
20
15 27 10 27 27
11 8
0 Fixed Deposits Shares/Debentures Real Estate Insurance Others
Preference regarding future investment in Mutual Fund
24%
Yes No
76%
Preferred AMC for Investment

40% 36% 35% 30% 25% 20% 15% 10% 6% 5% 25%
18% 15%
0%
SBI MF ICICI KOTAK RELIANCE Others
Source of Information
40 35 30 25 20 15 10 5 15 12 34
22 17
0
Advertisements Banks Peer Groups Financial Advisors Others
Factors considered while investing

250 233
200
195
150
149
100
93
50
0 Liquidity High Return Risk Trust
Channels preferred for Investment

40 40 35 30
30
25
20 15 10 5 0
22
Financial Advisors
AMC
Banks
Others
Preferred Portfolios for investment
50% 45% 40% 35% 30% 30%
48%
25% 20%
15% 10% 5% 0% Equity
22%
Debt Balanced
Preferred option for getting return

60 50 40 30 20 20 10 0 Growth Dividend Reinvestment Dividend Payout 51
29
Future Preferences regarding SBI MF
30%
Yes 70% No
88 respondents were aware of the mutual fund and out of those 67 respondents were investing in mutual fund. Those who were not investing in mutual fund maximum of them were not aware about mutual fund schemes. Some of them thought that mutual provides low return and some had a bad experience of dealing with mutual fund. Maximum investment was made in Fixed Deposits, Real Estate and Insurance Sector by the respondents who were not interested in mutual fund. ICICI is considered as the preferred AMC to invest followed by SBI MF, RELIANCE, HDFC, KOTAK, UTI etc.
Maximum respondents were getting information about mutual fund through Advertisement and Banks and they mostly prefer to invest through AMC and Banks. Almost half of the respondents preferred Balanced Portfolio. Equity is opted by those who take more risk and Debt is adopted by persons who want minimum risk. Maximum of respondents prefers Dividend Reinvestment option and Dividend Payout is given least preference. Systematic Investment Option is preferred over One Time Investment. Those who were not dealing in mutual funds would like to invest in mutual fund if better investment opportunity is provided to them.
There should be better marketing of mutual funds by specially targeting bank customers. New schemes should be introduced which focus on minimizing the risk, better rate of return, liquidity and profitability. Customer should be properly handled.
Mostly entrepreneurs are getting information about mutual funds through advertisements and banks and they prefer to invest through banks and AMC. Mix of debt and equity is preferred and entrepreneurs prefer to invest through systematic investment plan rather than one time investment.

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SUBMITTED TO:MR.

SUBMITTED BY:SARBJEET ROLL NO.147

Data Analysis and Interpretation

Awareness about Mutual Fund

Investment in Mutual Fund

0 Fixed Deposits Shares/Debentures Real Estate Insurance Others

Preference regarding future investment in Mutual Fund

Preferred AMC for Investment

Factors considered while investing

0 Liquidity High Return Risk Trust

Channels preferred for Investment

Preferred Portfolios for investment

50% 45% 40% 35% 30% 30%

Preferred option for getting return

Future Preferences regarding SBI MF

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