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Published by: ambrosialnectar on Jun 07, 2010
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02/01/2013

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Thanks To:

Mr. Shreyas Kasa Mr. Satyapal Mr. N.P Singh Mr. R.P Rustagi

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   

Leading NBFC in India. More than 50 yrs Old. Core business is vehicle finance. Founded by Late Sri T.S.Santhanam, son of Late Sri T.V.Sundaram Iyengar, an icon of entrepreneurship in South India.

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◦ Sundaram Mutual ◦ Sundaram Home ◦ Royal Sundaram Alliance Insurance ◦ Sundaram Infotech Solutions ◦ Sundaram Business Services ◦ Sundaram Direct – as a division of Sundaram Finance

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     

Vehicle finance Home loans Insurance – Life & General Mutual fund investment options Loans for Small Industries Development Fixed Deposits.

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Primary objectives:

Compare of investment in ULIP plans with Mutual Funds.

Secondary objectives:

To study the investment patterns of the consumer in Financial Products. To know the customer awareness about ULIPS and Mutual Funds

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Type of Research – Size of sample: Area of research study: Sampling procedure:

Exploratory Research 100 respondents DELHI & N.C.R Convenient sampling

METHOD FOR DATA COLLECTION Primary Data: Procedure of data collection: Survey Tools for data collection: Questionnaire Secondary Data: Information Brochures, Web Sites

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Sundaram Finance tied up with
Life insurance corporation India SBI Life insurance company

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A mutual fund is a company that brings together money from many people and invests it in stocks, bonds or other assets. Mutual funds offer professional management and invest in many shares thereby diversifying the risks. Each Mutual Fund scheme has a defined investment objective and strategy.

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The structure of mutual funds in India is governed by the SEBI (Mutual Fund) Regulations, 1996. A compulsory ‘three-tier’ structure of Sponsor-TrusteeAsset Management Company(AMC).

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MUTUAL FUNDS Mutual funds are investment companies that pool money from investors at large and offer to sell and buy back its shares on a continuous basis and use the capital thus raised to invest in securities of different companies. ULIPS ULIP stands for Unit Linked Insurance Plan. It provides for life insurance where the policy value at any time varies according to the value of the underlying assets at the time. ULIP is life insurance solution that provides for the benefits of protection and flexibility in investment. The investment is denoted as units and is represented by the value that it has attained called as Net Asset Value (NAV).

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h e lp s u in m a k in g in v e s tm e n t d e c is io n s

Options

Frequency

Percent

Cumulative Percent

Journal Reference group Television Newspaper Broker Influencer Total

4 20 4 2 65 5 100

4 20 4 2 65 5 100

4 24 28 30 95 100 100

jo u rn a l re fre n c e g ro u p te le v is io n new spaper b ro k e r in flu e n c e r

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Investment

 

Frequency Percent

Cumulative percent

Generally Invest

insurance stock market mutual fund fixed deposits other

Insurance Stock Market Mutual Fund Fixed Deposits Others Total

22 10 24 34 10 100

22 10 24 34 10 100

22 32 56 90 100 100

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preference

insurance

Investment

Frequency Percent Cumulative Percent

mutual funds traditional or ULIPS

Insurance 36 Mutual Funds 54

36 54 10

36 90 100

Tradition 10 al or ULIPS Total 100

100

100

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bestlic

Investment Frequency Percent

Cumulative Percent

HDFC SBI life LIC TATA AIG Any other

HDFC SBI LIFE LIC TATA AIG ANY OTHER TOTAL

10 18 62 6 4 100

10 18 62 6 4 100

10 28 90 96 100 100

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Options

FrequencyPercent

Cumulative Percent

Always

15

15 20 25 40 100

15 35 60 100 100

Sometimes 20 Often

25 40 100

Never

Total

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Are you aware about ULIP plans of life insurance companies?

Options

Frequency Percent Cumulative Percent

yes no

Yes

58

58

58

No

42

42

100

Total 100

100

100

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H av e yo u e ve r in v e s te d y o u r fu n d s in U L IP ?
yes no

Options

Frequency Percent Cumulative Percent

Yes

63

63

63

No

37

37

100

Total 100

100

100

20

Options

Frequency Percent Cumulative Percent

A re y o u a w a re a b o u t M u tu a l F u n d s ?
yes no

Yes

78

78

78

No

22

22

100

Total 100

100

100

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H ave yo u ever invested your fun ds in M utu al Fu nd s?

Options

Frequency Percent Cumulative Percent

yes no

Yes

69

69

69

No

31

31

100

Total 100

100

100

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re in v e s t

U L IP M u tu a l fu nd

Options

Frequency Percent Cumulative Percent

ULIPS

30

30

30

Mutual 70 funds Total 100

70

100

100

100

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factor

risk coverage return liquidity tax saving

Options

Frequency Percent Cumulative Percent

Risk coverage Return Liquidity Tax Saving Total

24 38 14 24 100

24 38 14 24 100

24 62 76 100 100

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1. The sample size is very less, hence the responses of just 100 respondents does not imply for the complete population. 2. There was lack of time and resources that prevented from carrying out an in depth study. 3. The findings of the survey are based on the subjective opinion of the respondents and there is no way of assessing truth of the statements. 4. There is some respondent’s biasness which cannot be removed. 5. Lastly, some amount of error exists in the data filling process because of the following reasons:  Influence of others.  Misunderstanding of the concept.  Urgency at time of filling up of questionnaire.

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ULIP plans are beneficial from the long term perspective whereas customer should invest in mutual funds if he wants quick returns. Most of the market is still unaware about the ULIP plans and hence by making proper promotional strategy companies can increase their sales.

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 Need-based Positioning.

 Variety-based Positioning.

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