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In few years Mutual Fund has emerged as a tool for ensuring one’s financial well

being. Mutual Funds have not only contributed to the India growth story but have also

helped families tap into the success of Indian Industry. As information and awareness is

rising more and more people are enjoying the benefits of investing in mutual funds.

The main reason the number of retail mutual fund investors remains small is that nine

in ten people with incomes in India do not know that mutual funds exist. But once

people are aware of mutual fund investment opportunities, the number who decide to

invest in mutual funds increases to as many as one in five people. The trick for

converting a person with no knowledge of mutual funds to a new Mutual Fund

customer is to understand which of the potential investors are more likely to buy

mutual funds and to use the right arguments in the sales process that customers will

accept as important and relevant to their decision.

This Project gave me a great learning experience and at the same time it gave me

enough scope to implement my analytical ability. The analysis and advice presented in

this Project Report is based on market research on the saving and investment practices

of the investors and preferences of the investors for investment in Mutual Funds. This

Report will help to know about the investors’ Preferences in Mutual Fund means Are

they prefer any particular Asset Management Company (AMC), Which type of Product

they prefer, Which Option (Growth or Dividend) they prefer or Which Investment

Strategy they follow (Systematic Investment Plan or One time Plan). This Project as a

whole can be divided into two parts.

The first part gives an insight about Mutual Fund and its various aspects, the Company

Profile, Objectives of the study, Research Methodology. One can have a brief

knowledge about Mutual Fund and its basics through the Project.

The second part of the Project consists of data and its analysis collected through survey

done on 200 people. For the collection of Primary data I made a questionnaire and

surveyed of 200 people. I also taken interview of many People those who were coming

at the SBI Branch where I done my Project. I visited other AMCs in Dehradoon to get

some knowledge related to my topic. I studied about the products and strategies of

other AMCs in Dehradoon to know why people prefer to invest in those AMCs. This


The data collected has been well organized and presented. I hope the research findings

and conclusion will be of use.




Executive Summary










SBI Funds Management Pvt. Ltd. is one of the leading fund houses in the

country with an investor base of over 4.6 million and over 20 years of rich

experience in fund management consistently delivering value to its investors.

SBI Funds Management Pvt. Ltd. is a joint venture between 'The State Bank of

India' one of India's largest banking enterprises, and Société Générale Asset

Management (France), one of the world's leading fund management companies

that manages over US$ 500 Billion worldwide.

Today the fund house manages over Rs 28500 crores of assets and has a diverse

profile of investors actively parking their investments across 36 active schemes.

In 20 years of operation, the fund has launched 38 schemes and successfully

redeemed 15 of them, and in the process, has rewarded our investors with

consistent returns. Schemes of the Mutual Fund have time after time

outperformed benchmark indices, honored us with 15 awards of performance

and have emerged as the preferred investment for millions of investors. The

trust reposed on us by over 4.6 million investors is a genuine tribute to our

expertise in fund management.

SBI Funds Management Pvt. Ltd. serves its vast family of investors through a

network of over 130 points of acceptance, 28 Investor Service Centres, 46

Investor Service Desks and 56 District Organizers.SBI Mutual is the first bank-

sponsored fund to launch an offshore fund – Resurgent India Opportunities Fund.

Growth through innovation and stable investment policies is the SBI MF credo.


Equity schemes

The investments of these schemes will predominantly be in the stock markets

and endeavor will be to provide investors the opportunity to benefit from the

higher returns which stock markets can provide. However they are also exposed

to the volatility and attendant risks of stock markets and hence should be

chosen only by such investors who have high risk taking capacities and are

willing to think long term. Equity Funds include diversified Equity Funds,

Sectoral Funds and Index Funds. Diversified Equity Funds invest in various

stocks across different sectors while sectoral funds which are specialized Equity

Funds restrict their investments only to shares of a particular sector and hence,

are riskier than Diversified Equity Funds. Index Funds invest passively only in

the stocks of a particular index and the performance of such funds move with

the movements of the index.

 Magnum COMMA Fund

 Magnum Equity Fund

 Magnum Global Fund

 Magnum Index Fund

 Magnum Midcap Fund

 Magnum Multicap Fund

 Magnum Multiplier plus 1993

 Magnum Sectoral Funds Umbrella

 MSFU- Emerging Business Fund

 MSFU- IT Fund

 MSFU- Pharma Fund

 MSFU- Contra Fund


 SBI Arbitrage Opportunities Fund

 SBI Blue chip Fund

 SBI Infrastructure Fund - Series I

 SBI Magnum Taxgain Scheme 1993

 SBI ONE India Fund


Debt schemes

Debt Funds invest only in debt instruments such as Corporate Bonds,

Government Securities and Money Market instruments either completely

avoiding any investments in the stock markets as in Income Funds or Gilt Funds

or having a small exposure to equities as in Monthly Income Plans or Children's

Plan. Hence they are safer than equity funds. At the same time the expected
returns from debt funds would be lower. Such investments are advisable for the

risk-averse investor and as a part of the investment portfolio for other investors.

 Magnum Children’s benefit Plan

 Magnum Gilt Fund

 Magnum Income Fund

 Magnum Insta Cash Fund

 Magnum Income Fund- Floating Rate Plan

 Magnum Income Plus Fund

 Magnum Insta Cash Fund -Liquid Floater Plan

 Magnum Monthly Income Plan

 Magnum Monthly Income Plan - Floater

 Magnum NRI Investment Fund

 SBI Premier Liquid Fund


Magnum Balanced Fund invests in a mix of equity and debt investments. Hence

they are less risky than equity funds, but at the same time provide

commensurately lower returns. They provide a good investment opportunity to

investors who do not wish to be completely exposed to equity markets, but is

looking for higher returns than those provided by debt funds.

 Magnum Balanced Fund


Some of the main competitors of SBI Mutual Fund in Dehradoon are as


i. ICICI Mutual Fund

ii. Reliance Mutual Fund

iii. UTI Mutual Fund

iv. Birla Sun Life Mutual Fund

v. Kotak Mutual Fund

vi. HDFC Mutual Fund

vii. Sundaram Mutual Fund

viii. LIC Mutual Fund

ix. Principal

x. Franklin Templeton

SBI Mutual Fund (SBIMF) has been the proud recipient of the ICRA Online Award - 8

times, CNBC TV - 18 Crisil Award 2006 - 4 Awards, The Lipper Award (Year 2005-

2006) and most recently with the CNBC TV - 18 Crisil Mutual Fund of the Year Award

2007 and 5 Awards for our schemes.

Chapter - 3

Objectives and scope


1. To find out the Preferences of the investors for Asset Management


2. To know the Preferences for the portfolios.

3. To know why one has invested or not invested in SBI Mutual fund

4. To find out the most preferred channel.

5. To find out what should do to boost Mutual Fund Industry.

Scope of the study

A big boom has been witnessed in Mutual Fund Industry in resent times. A large

number of new players have entered the market and trying to gain market share in this

rapidly improving market.

The research was carried on in Dehradoon. I had been sent at one of the branch of State

Bank of India Dehradoon where I completed my Project work. I surveyed on my

Project Topic “A study of preferences of the Investors for investment in Mutual Fund”

on the visiting customers of the SBI Boring Canal Road Branch.

The study will help to know the preferences of the customers, which company,

portfolio, mode of investment, option for getting return and so on they prefer. This

project report may help the company to make further planning and strategy.
Chapter – 4
Research Methodology


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 .It also helps in collecting the vital information that

is required by the top management to assist them for the better decision making both

day to day decision and critical ones.

Data sources:
Research is totally based on primary data. Secondary data can be used only for the

reference. Research has been done by primary data collection, and primary data has

been collected by interacting with various people. The secondary data has been

collected through various journals and websites.

Duration of Study:

The study was carried out for a period of two months, from 30th May to 30th July 2008.


 Sampling procedure:

The sample was selected of them who are the customers/visitors of State Bank if India,

Boring Canal Road Branch, irrespective of them being investors or not or availing the

services or not. It was also collected through personal visits to persons, by formal and

informal talks and through filling up the questionnaire prepared. The data has been

analyzed by using mathematical/Statistical tool.

 Sample size:
The sample size of my project is limited to 200 people only. Out of which only 120

people had invested in Mutual Fund. Other 80 people did not have invested in Mutual


 Sample design:

Data has been presented with the help of bar graph, pie charts, line graphs etc.


 Some of the persons were not so responsive.

 Possibility of error in data collection because many of investors may have not

given actual answers of my questionnaire.

 Sample size is limited to 200 visitors of State Bank of India , Boring Canal Road

Branch, Dehradoon out of these only 120 had invested in Mutual Fund. The
size may not adequately represent the whole market.

 Some respondents were reluctant to divulge personal information which can

affect the validity of all responses.

 The research is confined to a certain part of Dehradoon.

Chapter – 5
Data Analysis


1. (a) Age distribution of the Investors of Dehradoon

Age Group <= 30 31-35 36-40 41-45 46-50 >50

No. of 12 18 30 24 20 16

According to this chart out of 120 Mutual Fund investors of Dehradoon the most are in

the age group of 36-40 yrs. i.e. 25%, the second most investors are in the age group of

41-45yrs i.e. 20% and the least investors are in the age group of below 30 yrs.

(b). Educational Qualification of investors of Dehradoon

Educational Qualification Number of Investors

Graduate/ Post Graduate 88

Under Graduate 25

Others 7

Total 120
Out of 120 Mutual Fund investors 71% of the investors in Dehradoon are

Graduate/Post Graduate, 23% are Under Graduate and 6% are others (under HSC).

c). Occupation of the investors of Dehradoon

Occupation No. of Investors

Govt. Service 30
Pvt. Service 45
Business 35
Agriculture 4
Others 6


In Occupation group out of 120 investors, 38% are Pvt. Employees, 25% are

Businessman, 29% are Govt. Employees, 3% are in Agriculture and 5% are in


(d). Monthly Family Income of the Investors of Dehradoon.

Income Group No. of Investors

<=10,000 5
10,001-15,000 12
15,001-20,000 28
20,001-30,000 43
>30,000 32


In the Income Group of the investors of Dehradoon, out of 120 investors, 36%

investors that is the maximum investors are in the monthly income group Rs.
20,001 to Rs. 30,000, Second one i.e. 27% investors are in the monthly

income group of more than Rs. 30,000 and the minimum investors i.e. 4%

are in the monthly income group of below Rs. 10,000

(2) Investors invested in different kind of investments.

Kind of Investments No. of Respondents

Saving A/C 195
Fixed deposits 148
Insurance 152
Mutual Fund 120
Post office (NSC) 75
Shares/Debentures 50
Gold/Silver 30
Real Estate 65
Interpretation: From the above graph it can be inferred that out of 200 people,

97.5% people have invested in Saving A/c, 76% in Insurance, 74% in Fixed Deposits,

60% in Mutual Fund, 37.5% in Post Office, 25% in Shares or Debentures, 15% in

Gold/Silver and 32.5% in Real Estate.

3. Preference of factors while investing

Factors (a) Liquidity (b) Low Risk (c) High Return (d) Trust

No. of 40 60 64 36


Out of 200 People, 32% People prefer to invest where there is High Return, 30% prefer

to invest where there is Low Risk, 20% prefer easy Liquidity and 18% prefer Trust

4. Awareness about Mutual Fund and its Operations

Response Yes No
No. of Respondents 135 65

From the above chart it is inferred that 67% People are aware of Mutual Fund and its

operations and 33% are not aware of Mutual Fund and its operations.

5. Source of information for customers about Mutual Fund

Source of information No. of Respondents

Advertisement 18
Peer Group 25
Bank 30
Financial Advisors 62


From the above chart it can be inferred that the Financial Advisor is the most

important source of information about Mutual Fund. Out of 135 Respondents, 46%

know about Mutual fund Through Financial Advisor, 22% through Bank, 19%

through Peer Group and 13% through Advertisement.

6. Investors invested in Mutual Fund

Response No. of Respondents

YES 120
NO 80
Total 200


Out of 200 People, 60% have invested in Mutual Fund and 40% do not have invested

in Mutual Fund.
7. Reason for not invested in Mutual Fund

Reason No. of Respondents

Not Aware 65
Higher Risk 5
Not any Specific Reason 10


Out of 80 people, who have not invested in Mutual Fund, 81% are not aware of Mutual

Fund, 13% said there is likely to be higher risk and 6% do not have any specific


8. Investors invested in different Assets Management Co. (AMC)

Name of AMC No. of Investors
UTI 75
Reliance 75
ICICI Prudential 56
Kotak 45
Others 70


In Dehradoon most of the Investors preferred UTI and Reliance Mutual Fund. Out of

120 Investors 62.5% have invested in each of them, only 46% have invested in SBIMF,

47% in ICICI Prudential, 37.5% in Kotak and 25% in HDFC.

9. Reason for invested in SBIMF

Reason No. of Respondents

Associated with SBI 35
Better Return 5
Agents Advice 15


Out of 55 investors of SBIMF 64% have invested because of its association with

Brand SBI, 27% invested on Agent’s Advice, 9% invested because of better return.

10. Reason for not invested in SBIMF

Reason No. of Respondents
Not Aware 25
Less Return 18
Agent’s Advice 22


Out of 65 people who have not invested in SBIMF, 38% were not aware with SBIMF,

28% do not have invested due to less return and 34% due to Agent’s Advice.

11. Preference of Investors for future investment in Mutual Fund

Name of AMC No. of Investors

UTI 45
Reliance 82
ICICI Prudential 80
Kotak 60
Others 75


Out of 120 investors, 68% prefer to invest in Reliance, 67% in ICICI Prudential, 63%

in SBIMF, 62.5% in Others, 50% in Kotak, 37.5% in UTI and 29% in HDFC Mutual


12. Channel Preferred by the Investors for Mutual Fund Investment

Channel Financial Advisor Bank AMC

No. of Respondents 72 18 30

Out of 120 Investors 60% preferred to invest through Financial Advisors, 25% through

AMC and 15% through Bank.

13. Mode of Investment Preferred by the Investors

Mode of Investment One time Investment Systematic Investment Plan (SIP)

No. of Respondents 78 42

Out of 120 Investors 65% preferred One time Investment and 35 % Preferred through

Systematic Investment Plan.

14. Preferred Portfolios by the Investors

Portfolio No. of Investors

Equity 56
Debt 20
Balanced 44

From the above graph 46% preferred Equity Portfolio, 37% preferred Balance and 17%

preferred Debt portfolio

15. Option for getting Return Preferred by the Investors

Option Dividend Payout Dividend Growth

No. of Respondents 25 10 85

From the above graph 71% preferred Growth Option, 21% preferred Dividend Payout

and 8% preferred Dividend Reinvestment Option.

16. Preference of Investors whether to invest in Sectoral Funds

Response No. of Respondents

Yes 25
No 95

Out of 120 investors, 79% investors do not prefer to invest in Sectoral Fund because

there is maximum risk and 21% prefer to invest in Sectoral Fund.

Chapter – 6
Findings and



 In Dehradoon in the Age Group of 36-40 years were more in

numbers. The second most Investors were in the age group of 41-45

years and the least were in the age group of below 30 years.

 In Dehradoon most of the Investors were Graduate or Post Graduate

and below HSC there were very few in numbers.

 In Occupation group most of the Investors were Govt. employees, the

second most Investors were Private employees and the least were

associated with Agriculture.

 In family Income group, between Rs. 20,001- 30,000 were more in

numbers, the second most were in the Income group of more than

Rs.30,000 and the least were in the group of below Rs. 10,000.

 About all the Respondents had a Saving A/c in Bank, 76% Invested

in Fixed Deposits, Only 60% Respondents invested in Mutual fund.

 Mostly Respondents preferred High Return while investment, the

second most preferred Low Risk then liquidity and the least preferred


 Only 67% Respondents were aware about Mutual fund and its

operations and 33% were not.

 Among 200 Respondents only 60% had invested in Mutual Fund and

40% did not have invested in Mutual fund.

 Out of 80 Respondents 81% were not aware of Mutual Fund, 13%

told there is not any specific reason for not invested in Mutual Fund

and 6% told there is likely to be higher risk in Mutual Fund.

 Most of the Investors had invested in Reliance or UTI Mutual Fund,

ICICI Prudential has also good Brand Position among investors,

SBIMF places after ICICI Prudential according to the Respondents.

 Out of 55 investors of SBIMF 64% have invested due to its

association with the Brand SBI, 27% Invested because of Advisor’s

Advice and 9% due to better return.

 Most of the investors who did not invested in SBIMF due to not

Aware of SBIMF, the second most due to Agent’s advice and rest due

to Less Return.

 For Future investment the maximum Respondents preferred

Reliance Mutual Fund, the second most preferred ICICI Prudential,

SBIMF has been preferred after them.

 60% Investors preferred to Invest through Financial Advisors, 25%

through AMC (means Direct Investment) and 15% through Bank.

 65% preferred One Time Investment and 35% preferred SIP out of

both type of Mode of Investment.

 The most preferred Portfolio was Equity, the second most was

Balance (mixture of both equity and debt), and the least preferred

Portfolio was Debt portfolio.

 Maximum Number of Investors Preferred Growth Option for returns,

the second most preferred Dividend Payout and then Dividend


 Most of the Investors did not want to invest in Sectoral Fund, only

21% wanted to invest in Sectoral Fund.


Running a successful Mutual Fund requires complete understanding of the

peculiarities of the Indian Stock Market and also the psyche of the small

investors. This study has made an attempt to understand the financial

behavior of Mutual Fund investors in connection with the preferences of

Brand (AMC), Products, Channels etc. I observed that many of people

have fear of Mutual Fund. They think their money will not be secure in

Mutual Fund. They need the knowledge of Mutual Fund and its related

terms. Many of people do not have invested in mutual fund due to lack of

awareness although they have money to invest. As the awareness and

income is growing the number of mutual fund investors are also growing.

“Brand” plays important role for the investment. People invest in those

Companies where they have faith or they are well known with them. There

are many AMCs in Dehradoon but only some are performing well due to

Brand awareness. Some AMCs are not performing well although some of

the schemes of them are giving good return because of not awareness

about Brand. Reliance, UTI, SBIMF, ICICI Prudential etc. they are well

known Brand, they are performing well and their Assets Under

Management is larger than others whose Brand name are not well known

like Principle, Sunderam, etc.

Distribution channels are also important for the investment in mutual fund.

Financial Advisors are the most preferred channel for the investment in

mutual fund. They can change investors’ mind from one investment option
to others. Many of investors directly invest their money through AMC

because they do not have to pay entry load. Only those people invest

directly who know well about mutual fund and its operations and those

have time.
Chapter – 7




Suggestions and Recommendations

 The most vital problem spotted is of ignorance. Investors should be

made aware of the benefits. Nobody will invest until and unless he

is fully convinced. Investors should be made to realize that

ignorance is no longer bliss and what they are losing by not


 Mutual funds offer a lot of benefit which no other single option

could offer. But most of the people are not even aware of what

actually a mutual fund is? They only see it as just another

investment option. So the advisors should try to change their

mindsets. The advisors should target for more and more young

investors. Young investors as well as persons at the height of their

career would like to go for advisors due to lack of expertise and


 Mutual Fund Company needs to give the training of the Individual

Financial Advisors about the Fund/Scheme and its objective,

because they are the main source to influence the investors.

 Before making any investment Financial Advisors should first

enquire about the risk tolerance of the investors/customers, their need

and time (how long they want to invest). By considering these three

things they can take the customers into consideration.

 Younger people aged under 35 will be a key new customer group

into the future, so making greater efforts with younger customers

who show some interest in investing should pay off.

 Customers with graduate level education are easier to sell to and

there is a large untapped market there. To succeed however, advisors

must provide sound advice and high quality.

 Systematic Investment Plan (SIP) is one the innovative products

launched by Assets Management companies very recently in the

industry. SIP is easy for monthly salaried person as it provides the

facility of do the investment in EMI. Though most of the prospects

and potential investors are not aware about the SIP. There is a large

scope for the companies to tap the salaried persons.











A study of preferences of the investors for investment in mutual funds.

1. Personal Details:

(a). Name:-

(b). Add: - Phone:-

(c). Age:-

(d). Qualification:-

Graduation/PG Under Graduate Others

Occupation. Pl tick (√)

Govt. Ser Pvt. Ser Business Agriculture Others

(g). What is your monthly family income approximately? Pl tick (√).

Up to Rs. 10,001 to Rs. 15,001 to Rs. 20,001 to Rs. 30,001 and

Rs.10,000 15000 20,000 30,000 above

2. What kind of investments you have made so far? Pl tick (√). All applicable.

a. Saving account b. Fixed deposits c. Insurance d. Mutual Fund

e. Post Office-NSC, etc f. Shares/Debentures g. Gold/ Silver h. Real Estate

3. While investing your money, which factor will you prefer?

(a) Liquidity (b) Low Risk (c) High Return (d) Trust

4. Are you aware about Mutual Funds and their operations? Pl tick (√). Yes No

5. If yes, how did you know about Mutual Fund?

a. Advertisement b. Peer Group c. Banks d. Financial Advisors

6. Have you ever invested in Mutual Fund? Pl tick (√). Yes No

7. If not invested in Mutual Fund then why?

(a) Not aware of MF (b) Higher risk (c) Not any specific reason

8. If yes, in which Mutual Fund you have invested? Pl. tick (√). All applicable.

a. SBIMF b. UTI c. HDFC d. Reliance e. Kotak f. Other. specify

9. If invested in SBIMF, you do so because (Pl. tick (√), all applicable).

a. SBIMF is associated with State Bank of India.

b. They have a record of giving good returns year after year.
c. Agent’ Advice

10. If NOT invested in SBIMF, you do so because (Pl. tick (√) all applicable).

a. You are not aware of SBIMF.

b. SBIMF gives less return compared to the others.
c. Agent’ Advice

11. When you plan to invest your money in asset management co. which AMC will you prefer?

Assets Management Co.

b. UTI
c. Reliance
e. Kotak

12. Which Channel will you prefer while investing in Mutual Fund?

(a) Financial Advisor (b) Bank (c) AMC

13. When you invest in Mutual Funds which mode of investment will you prefer? Pl. tick (√).

a. One Time Investment b. Systematic Investment Plan (SIP)

14. When you want to invest which type of funds would you choose?

a. Having only debt b. Having debt & equity c. Only equity portfolio.
portfolio portfolio.

15. How would you like to receive the returns every year? Pl. tick (√).

a. Dividend payout b. Dividend re-investment c. Growth in NAV

16. Instead of general Mutual Funds, would you like to invest in sectorial funds?
Please tick (√). Yes No




In partial fulfillment of the requirement for the

Award of the degree of




Ranjana Chopra Ms. Ragini Khanna




This is to certify that the project report entitled “A STUDY OF PREFERENCES OF THE
bonafide piece of work conducted under my direct supervision and guidance. No part of this
work has been submitted for any other degree of any other degree of any other university. The
data sources have been duly acknowledged. It may be considered for evaluation in the partial
fulfillment of the requirement for the award of the degree of Bachelor of Business

Date : Miss Ragini Khanna

Project Guide
Khalsa College for Women

With immense pleasure and deep sense of sincerity, I have completed my Industrial training. It is an
essential requirement for each and every student to have some practical exposure towards real world
situations. Training is systematized practical experience to inculcate self-confidence in a student so
that they can mentally prepare themselves for this competitive environment.
The purpose of training is:
1. Developing intellectual ability of student
2. Bring confidence
3. Developing skills
4. Modify Attitudes
How do businesses succeed in today’s competitive environment? The factor that can set an
organization apart is its people. The quality of the organization employees, their enthusiasm and
satisfaction with their jobs, their experience, and of fair treatment all affects the firm’s productivity,
customer service, reputation and survival. In short, people make the difference.
To increase the effectiveness of their promotion measures, insurance companies should increasingly
incorporate such measures into specific management programmes as well as general management
measures with regard to personnel development, organisational development and quality control.
Formulating manpower-planning policies is one of the most critical and difficult challenges faced by
an organisation. In particular, after recruitment, formulating promotion policies from one grade to
another becomes more difficult as the organisation requires more expertise, since it is linked to the
productivity enhancement of the organisation.

I wish to express my deep gratitude to Miss Ragini Khanna for acting as a guide and providing me
with continuous support and guidance. This report could not have completed We express our gratitude
to the persons who guided me through this effort. It is very difficult to individualize my gratefulness
here to all whose contribution has blossomed into this presentation. We owe a great deal to my faculty
members which gave timely support and encouragement. It is the matter of privilege to bestow deep
sense of gratitude and thanks to Mis. Ragini Khanna (Senior Sales Manager) DLF Pramerica.

Dr. Balram dogra (director), APEEJAY Institute of Mangement. and Dr. Rajesh Bagga (head of
department) APEEJAY Institute of Mangement and in the end to Ms. Shweta Gupta (Lecturer in
management ) for their constructive criticism, valuable suggestions and constant encouragement at all
the stages of development of the project. I thank all the employees of DLF Pramerica for providing a
conducive environment for the development of the project and for extending the necessary facilities
for the completion of the project.

The project would not have been taken the shape without the guidance, advice and insight of my
project gratitude, It has added to our practical knowledge and build my confidence and our parents,
teachers and friends, who have been our source of strength.

Date : Pardeep Chopra


Chapter Contents Page No


Certificate (i)
Preface (ii)
Acknowledgement (iii)

1 Introduction 1-35

2 Review f Literature 36-38

3 Need Scope And Objective of The 39


4 Research Methodology 40-45

5 Data analysis and its interpretation 46-73

6 Findings of The Study 74

7 Conclusion 75

Bibliography 76-77

Questionnaire 78-81