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Chapter 4
Data Analysis & Interpretation

Table No.4.1- TABLE REPRESENTING NUMBER OF RESPONDENTS ON THE BASIS OF GENDER Gender Male Female Total Number of Respondents 59 41 100 Percentage (%) 59 41 100

INTERPRETATION

The table shows that 59% of the respondents are male and 41% of the respondents

are female from the total population of 100.

Figure No.4.1 CHART SHOWING NUMBER OF RESPONDENTS ON THE BASIS OF GENDER

male , 41 female, 59

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Table No.4.2- TABLE REPRESENTING NUMBER OF RESPONDENTS ON THE BASIS OF AGE GROUP

Age group 18-30 31-45 46-65 Above 66 Total

Number of Respondents 28 35 32 5 100

Percentage (%) 28 35 32 5 100

INTERPRETATION The table indicates that 35% of the respondents belong to the age group 31-45 and 5% of the respondents belong to the age group of above 66.

Figure No.4.2 CHART SHOWING NUMBER OF RESPONDENTS ON THE BASIS OF AGE GROUP

Above 66

46-65

32

31-45

35

18-30 0 5 10 15 20 25

28 30 35 40

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Table No.4.3- TABLE REPRESENTING NUMBER OF RESPONDENTS ON THE BASIS OF MARITAL STATUS Marital Status Married Unmarried Total Number of Respondents 59 36 100 Percentage (%) 64 36 100

INTERPRETATION The above table shows that 64% of the respondents are married and 36% of the respondents are unmarried.

Figure No.4.3 CHART SHOWING NUMBER OF RESPONDENTS ON THE BASIS OF MARITAL STATUS

Unmarried 38% Married 62%

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Table No.4.4- TABLE REPRESENTING NUMBER OF RESPONDENTS ON THE BASIS OF NUMBER OF DEPENDENTS No. of Dependents 0-3 3-5 Above 5 Total Number of Respondents 61 32 7 100 Percentage (%) 61 32 7 100

INTERPRETATION The above table shows that 61% of the respondents have 0-3 no. of dependents in their family and 7% of the respondents have above 5 no. of dependents.

Figure 4.4 CHART SHOWING NUMBER OF DEPENDENTS

above 5 7%

3 to 5 32% 0 to 3 61%

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Table No.4.5- TABLE REPRESENTING NUMBER OF RESPONDENTS ON THE BASIS OF OCCUPATION

Occupation Salaried Non salaried Total

Number of Respondents 54 46 100

Percentage (%) 54 46 100

INTERPRETATION The table shows that 54% of the respondents are salaried and 46% of the respondents are non salaried. Figure No.4.5 CHART SHOWING NUMBER OF RESPONDENTS ON THE

BASIS OF OCCUPATION

54 52 50 48 46 44 42 Salaried Non salaried 46 54

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Table No.4.6 - TABLE REPRESENTING NUMBER OF RESPONDENTS ON THE BASIS OF INCOME LEVEL Income Level Below 3 Lacs 3 Lacs 5 Lacs Above 5 lacs Total Number of Respondents 33 52 15 100 Percentage (%) 33 52 15 100

INTERPRETATION The table shows that 52% of the respondents belong to the income level of 3 lacs 5 lacs and 15% of the respondents belong to the income level of above 5 lacs.

Figure No.4.6 CHART SHOWING NUMBER OF RESPONDENTS ON THE BASIS OF INCOME LEVEL

Above 5 lacs 15%

Below 3 lacs 33%

3-5 lacs 52%

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Table 4.7 TABLE REPRESENTING SAVINGS BY GENDER WISE

Savings Yes

Gender Male Female Total

No of respondents 57 39 96 2 2 4 59 41 100

No

Male Female Total

Total

Male Female Total

INTERPRETATION The above table interpret that 57 of the Male respondents and 39 of the respondents female do savings

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Table 4.8 TABLE REPRESENTING MODE OF SAVINGS BY GENDER WISE

Mode of savings Fixed deposits

Gender Male Female Total

No of respondents 24 13 37 20 16 36 15 12 27 59 41 100

Investment

Male Female Total

Others

Male Female Total

Total

Male Female Total

INTERPRETATION

The above table shows that 24 of Male the respondents mode of savings is Fixed Deposits and 16 of the Female respondents mode of savings is investment.

24 Table 4.9 TABLE REPRESENTING CURRENT VALUE OF INVESTMENT BY INCOME LEVEL WISE

Current value of investment 10000-30000

Income level per annum Below 300000 300000-500000 Above 500000 Total

No of respondents 20 20 4 44 6 23 5 34 7 9 6 22

30000-50000

Below 300000 300000-500000 Above 500000 Total

Above 50000

Below 300000 300000-500000 Above 500000 Total

Total

Below300000 300000-500000 Above 500000 Total

33 52 15 100

INTERPRETATION The above table shows that the income level of below 300000 (20) respondents current investment is 10000-30000, the income level of 300000-500000 respondents (23) current investment is 30000+50000 and the income level of above 500000 respondents(6) current investment is above 50000.

25 Table 4.10 TABLE REPRESENTING CURRENT INBESTMENT PORTFOLIO BY GENDER WISE

Current investment portfolio Mutual fund

Gender Male Female Total

No of respondents 17 10 27 7 3 10 18 7 25 5 10

Equity trading

Male Female Total

Fixed deposits/Bank savings

Male Female Total

Investment (UL/IP)

Male Female

Total Post office savings Male Female Total Total Male Female Total

15 12 11 23 59 41 100

INTERPRETATION The above table shows that current investment portfolio of Male respondents (18) and female respondents (11) is Fixed Deposits and Post office Savings respectively.

26 Table 4.11 TABLE REPRESENTING OCJECTIVE OF INVESTMENT BY GENDER WISE

Objective of investment To build a corpus of retirement

Gender Male Female Total

No of respondents 5 4 9 10 7 17 13 7 20 13

To save for children education/marriage

Male Female Total Male Female Total

To provide medical emergencies

To provide for family financial

Male

security All of the above

Female Total Male Female Total

12 25 18 11 29 59 41 100

Total

Male Female Total

INTERPRETATION The above table shows that investment of Male respondents (18) is all of the above and Female respondents (12) investment objective is to provide financial security to family.

27 Table No 4.12 TABLE REPRESENTING NUMBER OF RESPONDENTS ON THE BASIS OF TERM OF INVESTMENT Term of Investment Under 2 yrs 2-5 yrs 6-10 yrs 11-15 yrs total Number of respondents 24 37 21 18 100 Percentage (%) 24 37 21 18 100

INTERPRETATION The table shows that 37% of the respondents wants to invest 2-5 yrs and 18% of the respondents term of investment is 11-15 yrs.

Figure 4.12 CHART SHOWING NUMNBER OF REPRESENTING ON THE BASIS OF TERM OF INVESTMENT

100

37 24 21 2-5 yrs 6-10 yrs 18 11-15 yrs total

Under 2 yrs

28 Table No 4.13 TABLE REPRESENITNG NUMBER OF RESPONDENTS ON THE BASIS OF IMPORTANT FACTOR CONSIDER BEFORE CHOOSING AN INVEATMENT Important factor Quickly increase wealth Steady growth Monthly income Safety of investment principal total Number of respondents 16 32 21 31 100 Percentage (%) 16 32 21 31 100

INTERPRETATION The table shows that 32% of the respondents consider steady growth an important factor and 16 % of the respondents consider increasing wealth quickly as important before choosing as investment.

Figure 4.13 CHART SHOWING NUMBER OF RESPONDENTS ON THE BASIS OF IMPORTANT FACTOR CONSIDER BEFORE CHOOSING AN INVEATMENT
Quickly increase wealth, 16

Safety of investment principal, 31 Steady growth, 32 Monthly income, 21

29 Table 4.14 TABLE REPRESENTING FORM OF INVESTMENT BY AGE WISE FORM OF INVESTMENT UL/IP

AGE 18-30 31-45 46-65 Total

Mean 1.60 1.50 1.75 1.60 1.30 1.15 1.09 1.00 1.17 2.00 1.50

N 5 6 4 15 10 13 11 2 36 2 2

Std. Deviation .548 .548 .500 .507 .483 .376 .302 .000 .378 .000 .707

MUTUAL FUND

18-30 31-45 46-65 ABOVE 66 Total

EQUITY TRADING

18-30 31-45

46-65 Total FIXED DEPOSITS 18-30 31-45 46-65 ABOVE 66 Total BANK SAVINGS 18-30 31-45 46-65 Total Total 18-30 31-45 46-65 ABOVE 66 Total

1.33 1.50 1.50 1.43 1.00 2.00 1.43 1.80 1.57 1.67 1.67 1.54 1.37 1.31 1.60 1.41 30

6 10 6 7 5 3 21 5 7 6 18 28 35 32 5 100

.516 .527 .548 .535 .000 .000 .507 .447 .535 .516 .485 .508 .490 .471 .548 .494

INTERPRETATION The above table shows that age group of 18-30 (10), age group of 31-45 (13) and age group of 46-65 (11) respondents preferred Mutual Fund for investment and age group of above 66 (3) respondents Fixed Deposits as most preferred form of investment.

31 Table no 4.15 TABLE REPRESENTING REASON FOR MOST PREFERRED FORM OF INVESTMENT Reasons Tax Savings To create wealth Other future emergencies total Number of respondents 36 33 31 100 Percentage (%) 36 33 31 100

INTERPRETATION The table shows that 36% of the respondents preferred investment to save tax and 31% of the respondents preferred investment for other future emergencies.

Figure no 4.15 CHART SHOWING REASON FOR MOST PREFFERD FORM OF INVESTMENT

Other future emergencies

31

To create wealth

33

Tax Savings

36

28

29

30

31

32

33

34

35

36

37

32 Table No 4.16 TABLE REPRESENTING AWARE OF TYPE OF MUTUTAL FUND BY AGE GROUP WISE

Aware of type of Mutual Fund Growth Fund

Age 18-30 31-45 46-65 Total

Number of respondents 6 9 8 23 10 11 8 2 31

Money Market

18-30 31-45 46-65 ABOVE 66 Total

Equity Fund

18-30 31-45 46-65 ABOVE 66 Total

11 13 10 1 35 1 2 6 2 11 28 35 32 5 100

Other

18-30 31-45 46-65 ABOVE 66 Total

Total

18-30 31-45 46-65 ABOVE 66 Total

33 INTERPRETATION The above shows that age group of 18-30 (11) respondents, age group of 31-45 (13) respondents and age group of 46-65 (10) are aware of Growth Fund type of Mutual fund and age group of above 66 (2) respondents aware of other type of Mutual fund.

34 Table No 4.18 TABLE REPRESENTING NUMBER OF RESPONDENTS AWARE OF VARIOUS SCHEMES OFFERED BY THE AMC

Various schemes offered by AMC Most

Age 18-30 31-45 46-65 Above 66 Total

Number of respondents 6 9 9 2 26 14 15 7

Some

18-30 31-45 46-65

Above 66 Total Few 18-30 31-45 46-65 Above 66 Total Total 18-30 31-45 46-65 Above 66 Total

2 38 8 11 16 1 36 28 35 32 5 100

INTERPRETATION The above table shows that age group of 46-65 (16) respondents aware of few schemes offered by AMC, age group of 18-30 respondents (14), age group of 31-45 respondents (15) and age group of above 66 (2) respondents aware of some schemes offered by AMC and age group of above 66 (2) respondents aware of most of the schemes offered by AMC. 35 Table No 4.19 TABLE REPRESENITNG KNOWN ABOUT MUTUAL FUND Way of know Advertisement friends Brokers Other Total INTERPRETATION The table shows that 40% of the respondents know about Mutual Fund through advertisement and 14% of the respondents came to know about Mutual Fund through brokers. Figure No 4.19 CHART SHOWING NUMBER OF RESPONDENTS KNOW ABOUT Number of respondents 40 30 14 16 100 Percentage (%) 40 30 14 16 100

MUTUAL FUND

100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% Advertisement friends Brokers Other 40 30 14 16

Number of respondents

36 Table No. 4.20 TABLE REPRESENITNG SCHEMES TO INVEST BY GENDER WISE

Schemes to invest Open Ended

Gender Male Female Total

Number of respondents 31 20 51 19 16 35 9 5 14

Close Ended

Male Female Total

Interval

Male Female Total

Total

Male Female Total

59 41 100

INTERPRETATION The table shows that 31 male respondents and 20 of the female respondents prefer to invest in open ended schemes.

37 Table No 4.21 TABLE REPRESENTING NUMBER OF RESPONDENTS PRIMARY INVESTMENT FOCUS. Investment focus Retirement Wealth generation Capital preservation Income generation Total Number of respondents 19 33 14 34 100 Percentage (%) 19 33 14 34 100

INTERPRETATION

The table shows that 34% of the respondents primary investment focus is to generate income and 14% of the respondents primary investment focus is to preserve capital Figure No 4.21 FIGURE SHOWING NUMBER OF RESPONDENTS PRIMARY INVESTMENT FOCUS.

Retirement Wealth generation Capital preservation Income generation

38 Table No 4.22 TABLE REPRESENTING NUMBER OF RESPONDENTS ON THE BASIS OF CONSULT WHLE MAKING AN INVESTMENT CHOICE. Choice Every time Often Sometimes Never Total Number of respondents 34 35 24 7 100 Percentage (%) 34 35 24 7 100

INTERPRETATION The table shows that 35% of the respondents consult every time while making an investment choice and 7% of the respondents never consult while making an investment choice.

Figure No 4.22 FIGURE SHOWING NUMBER OF RESPONDENTS ON THE BASIS OF CONSULT WHLE MAKING AN INVESTMENT CHOICE

Never

Sometimes

24

Often

35

Every time

34

39 Table no 4.23 TABLE REPRESENTING NUMBER OF RESPONDENTS ON THE BASIS OF MAKING INVESTMENT DECISION AND EXECUTE THEM.

Period Once a month Once in 3 month Once in 6 month Once a year Total

Number of respondents 23 32 18 27 100

Percentage (%) 23 32 18 27 100

INTERPRETATION The table shows that the 32% of the respondents once in 3 months making investment decision and execute them and 18% of the respondents making investment decision and execute them in once in a 6 months.

Figure No 4.23 FIGURE SHOWING NUMBER OF RESPONDENTS ON THE BASIS OF MAKING INVESTMENT DECISION AND EXECUTE THEM.

35 30 25 20 15 10 5 0 Once a month Once in 3 month Once in 6 month Once a year 23 32 18 27

40 Table no 4.24 YABLE SHOWING NUMBER OF RESPONDENTS ON THE BASIS OF INVEST MORE IN FUTURE Option Yes No Total Number of respondents 73 27 100 Percentage (%) 73 27 100

INTERPRETATION The table shows that the 73% of the respondents want s to invest in future and 27% of the respondents dont want to invest in future.

Figure No. 4.FIGURE SHOWING NUMBER OF RESPONDENTS ON THE BASIS OF INVEST MORE IN FUTURE.

No , 27

Yes , 73

IV. Which factor influences you most to invest in mutual funds?

Factors Less Risk 12%

Percentage

High Returns Liquidity Safety Tax benefit

14% 34% 24% 16%

liquidity 50% 40% 30% 20% risk 10% 0%


INTERPRETATION

return

safety tax benefit

percentage

When asked that what factor affect most while investing in Mutual Funds, most of respondents chose liquidity as the most important factor, 34% of the investors preferred liquidity as the most important thing, 24% investors choose safety, 16% of the investors think that tax benefit is the most important factor, 14 % of the investors choose high returns as the important factor and 12% of investor choose because of less risk. Above all one thing is there that all the above factors are very important. An investor keeps in mind all the factors while investing

V. What is your average time horizon of investment?

Time-Horizon 6 month 1year 1 year 3 year 3 year 5 year More than 5 year 26% 40% 10% 4%

Percentage

40% 35% 30% 25% 20% 15% 10% 5% 0% 6 month1year 1-3 year 3-5year more tha 5 year
East

INTERPRETATION

Of the total respondents considered for the survey, 26% invest for a time period of 6 month to 1 year. Most of the investors prefer to invest for 1 to 5 years. Very few invest for more then 5 years. About 40% invest for 1 to 3 years and about 10% invest for 3 to 5 years. Only 4% invest for more then 5 years.

VI. Which scheme would you prefer while investing in mutual funds?

Various Schemes Debt Equity Balanced 14% 56% 30%

Percentage

90 80 70 60 50 40 30 20 10 0 Debt Equity Balanced


z

percentage

INTERPRETATION

As the market conditions have changed, investors are taking risk, 56% of the investors invest in pure equity funds, 30% prefer investing in balanced funds and only 14% of the investors invest in debt funds.

VII. Out of the following which option would you prefer?

Open ended

74%

Close ended

26%

80% 70% 60% 50% 40% 30%


percentage

20%
10% 0% close ended open ended

INTERPRETATION As per data collected from various respondents we came to know that 74% Investors opted open ended because this option will increase the level of liquidity and 26% investor opted close ended option.

Viii. Do you prefer sip (systematic investment plan) or investing lumpsum?

FACTOR SIP Lump sum Depends upon financial conditions 48% 36% 16%

PERCENTAGE

60% 50% 40% 30% 20% 10% 0% SIP lumpsum depends upon financial conditions
percentage

INTERPRETATION

It depends upon the availability of funds that whether an investor should opt for SIP or lump sum. Around of the investors prefer SIP at this stage of market. 36% the investors prefer investing lump sum. 16% of the investors said it depends upon the availability of funds.

IX. Which factor influence you most to invest through India Infoline Ltd?

FACTORS Bank Services Safety 20% 42%

PERCENTAGE

Word Of Mouth Advertisement Past Experience

14% 6% 18%

45% 40% 35% 30% 25% Percentage safety 20% 15% bank 10% past exp word of services 5% mouth adtv 0%

INTERPRETATION

When asked that what factor affect most while investing in Mutual Funds through India Infoline Ltd than wide preference is given to safety. 42% investors choose safety.20% bank services, 18% past experience, 14% word of mouth and 6% advertisement.

X. To how much extent are you satisfied with the services offered by India Infoline Ltd?

Extremely Satisfied Satisfied To Lesser Extent Dissatisfied To Lesser Extent Extremely Dissatisfied

80% 10% 5% 5%

80% 70% 60% 50%

40%
30% 20% 10% 0% A B C D

PERCENTAGE

INTERPRETATION

Out of the respondents 80% are extremely satisfied with the services offered by India Infoline Ltd 10% are satisfied to lesser extent, 5%are extremely dissatisfied.

XI. As equity market is growing what according to you is the future of mutual funds?

DEGREE

PERCENTAGE

Very strong Strong Moderate

35% 50% 15%

PERCENTAGE 60% 40% 20% 0% Very strong Strong Moderate PERCENTAGE

INTERPRETATION

As Indian equity market is growing the future of mutual funds is very bright. 35% of the investors say that future is very strong, 50% of the investors say that future is strong and only 15% said that future is moderate.