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214
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255 of the factbook
• www.ciel.co.in/uploads/umf.pdf
• www.sebi.gov.in/acts/MutualFunds.pdf
215
Group Q# Description Value 1 Value 2 Value 3 Value 4 Value 5
Q1 AGE 1. Below 30 2. 31 to 40 3. 41 to 50 4. Above 50
3 Others (Ex:
Q2 Profession 1 Salaried 2 Business
Retired)
Demographic
1 School 4
Factors Q3 Education 2 Graduate 3 Post Grad
Final Professional
Q4 Gender 1. Male 2. Female
Q5 Status 1. Married 2. Single
Q6 Physical_Assets 1. Lt 20% 2. 21-40% 3. 41-60% 4 61-80% 5 Mt 80%
Assets
Q7 Financial Assets 1. Lt 20% 2. 21-40% 3. 41-60% 4 61-80% 5 Mt 80%
How long have you 1. Less than 2. 2 to 3. 4 to 6 4. 6 to 8 5. More than

Q8
been investing? 2 years 4years years years 8 years
Bank Deposits (FD,

Q9_1 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never
RD, SB)
Fixed Deposits
(Company)
Q9_3 Chits 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never
How often Stock Market (Direct
do you use Q9_4 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never
Equity)
the following
Q9_5 Mutual Funds (MF) 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never
investment
vehicles? Q9_6 Insurance Policies 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never
Q9_7 Post Office 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never
Real Estate (Plots,
Apartments, etc)
Gold (Ornaments,
Coins,etc)
1. Highly
Q10_1 Debt / Income funds 2. Aware 3. Not Aware
Aware
Equity Funds –
1. Highly
Q10_2 Diversified Equity 2. Aware 3. Not Aware
Aware
Scheme
Equity Funds – Multi 1. Highly
Q10_3 2. Aware 3. Not Aware
Cap Aware
Equity Funds – Small 1. Highly
and Mid Cap funds Aware
Equity Funds – Micro
1. Highly
I’m aware of Q10_5 Cap Funds, Special 2. Aware 3. Not Aware
Aware
the various Situation Funds
mutual fund Equity Funds –
1. Highly
schemes / Q10_6 Thematic Funds, 2. Aware 3. Not Aware
Aware
types / Sectoral Funds
offerings 1. Highly
Q10_7 Bond Funds 2. Aware 3. Not Aware
Aware
1. Highly
Q10_8 Balanced Funds 2. Aware 3. Not Aware
Aware
1. Highly
Q10_9 Index Funds 2. Aware 3. Not Aware
Aware
1. Highly
Q10_10 Tax Saving Funds 2. Aware 3. Not Aware
Aware
1. Highly
Q10_11 Gold Funds 2. Aware 3. Not Aware
Aware
Monthly Income 1. Highly
Plans Aware
Page 1 of 9
I invest more when
3. Neither
Indian currency has 1. Strongly 5. Strongly
Q11_1 2. Disagree Agree or 4. Agree
appreciated against Disagree Agree
Disagree
USD
I sell when Indian
3. Neither
currency has 1. Strongly 5. Strongly
appreciated against Disagree Agree
Currency and Disagree
USD
Foreign Inst
Investors I invest in Shares and
3. Neither
Eq MF when the 1. Strongly 5. Strongly
Foreign Institutional Disagree Agree
Disagree
Investors (FII's) buy
I sell Shares and Eq
3. Neither
MF when the Foreign 1. Strongly 5. Strongly
Institutional Investors Disagree Agree
Disagree
(FII's) buy
I invest in Shares and
3. Neither
Eq Mutual Funds 1. Strongly 5. Strongly
when the inflation is Disagree Agree
Disagree
very high
Inflation
3. Neither
Mutual Funds when 1. Strongly 5. Strongly
the inflation is very Disagree Agree
Disagree
high
I invest in shares and
Eq Mutual Funds 3. Neither
1. Strongly 5. Strongly
Q13_1 when the Industry is 2. Disagree Agree or 4. Agree
Disagree Agree
at bottom (Ex: Disagree
Recession)
I sell shares and Eq
Mutual Funds when 3. Neither
Q13_2 the Industry is at 2. Disagree Agree or 4. Agree
Market Disagree Agree
bottom (Ex: Disagree
Conditions, Recession)
Monsoon
3. Neither
when the monsoon Disagree Agree
Disagree
(rains) are favorable
3. Neither
Mutual Funds when 1. Strongly 5. Strongly
the monsoon (rains) Disagree Agree
Disagree
are favorable
3. Neither
when the GOLD price Disagree Agree
Disagree
Gold falls
I sell Shares and Eq 3. Neither
Q14_2 Mutual Funds when 2. Disagree Agree or 4. Agree
Disagree Agree
the GOLD price falls Disagree
I invest more when 3. Neither
Q15_1 the Government 2. Disagree Agree or 4. Agree
Disagree Agree
Govt and policies are favorable Disagree
Political I sell Shares / MF
Conditions 3. Neither
when the 1. Strongly 5. Strongly
Government policies Disagree Agree
Disagree
are favorable
Page 2 of 9
I invest more when
the political
3. Neither
environment is stable 1. Strongly 5. Strongly
(Ex: Stable Disagree Agree
Disagree
Government with
Majority)
I sell when the
political environment 3. Neither
Q15_4 is stable (Ex: Stable 2. Disagree Agree or 4. Agree
Disagree Agree
Government with Disagree
Majority)
3. Neither
when the interest Disagree Agree
Disagree
Interest rate falls
I sell Shares and Eq 3. Neither
Q16_2 Mutual Funds when 2. Disagree Agree or 4. Agree
Disagree Agree
the interest rate falls Disagree
I invest in mutual 3. Neither
Q17_1 funds when Oil is 2. Disagree Agree or 4. Agree
Disagree Agree
trading at high levels Disagree
Oil
I sell mutual funds 3. Neither
Q17_2 when Oil is trading at 2. Disagree Agree or 4. Agree
Disagree Agree
high levels Disagree
3. Between 4. Between
1. Not 2. Less Than 5. Above 75
Q18_1 Real_Estate 10.1 and 30.1 30.1 and 75
Invested 10.1 Lakhs Lakhs
Lakhs Lakhs
3. Between
1. Not 2. Less Than 4. Between 1 5. Above 4
Q18_2 Gold 0.51 and 1
Invested 0.51 Lakhs and 4 Lakhs Lakhs
Lakhs
Fixed_Deposits_Recur 3. Between
1. Not 2. Less Than 4. Between 2 5. Above 8
Q18_3 ring_Deposits_Post_O 1.01 and 2
Invested 1.01 Lakhs and 8 Lakhs Lakhs
ffice Lakhs
3. Between
Public_Provident_Fun 1. Not 2. Less Than 4. Between 1 5. Above 4
Q18_4 0.51 and 1
d Invested 0.51 Lakhs and 4 Lakhs Lakhs
Lakhs
3. Between 4. Between 3
Employee_Provident_ 1. Not 2. Less Than 5. Above 7.5
Q18_5 1.51 and 3 and 7.5
Fund Invested 1.51 Lakhs Lakhs
Lakhs Lakhs
List of Assets 3. Between 4. Between 1
1. Not 2. Less Than 5. Above 2.5
- In Rupees Q18_6 Cash 0.51 and 1 and 2.5
Lakhs Lakhs Lakhs
Insurance_Surrender 1. Not 2. Less Than 5. Above 2.75
Q18_7 1.01 and 2 and 2.75
_Value Invested 1.01 Lakhs Lakhs
Lakhs Lakhs
3. Between
National_Pension_Sc 1. Not 2. Less Than 4. Between 5 5. Above 5
Q18_8 2.51 and 5
heme Invested 2.51 Lakhs and 5 Lakhs Lakhs
Lakhs
1. Not 2. Less Than 5. Above 3.5
Q18_9 Stocks 0.51 and 1.01 1.01 and 3.5
Lakhs Lakhs
1. Not 2. Less Than 5. Above
Q18_10 Mutual_Funds 1.05 and 1.5 1.5 and
Invested 1.05 Lakhs 2.755 Lakhs
Lakhs 2.755 Lakhs
2. Less Than 5. Above 75
Q18_11 Total_Assets 1. No Assets 10.1 and 30 30 and 75
10.1 Lakhs Lakhs
Lakhs Lakhs
Page 3 of 9
2. Less Than 5. Above 22.5
Q18_12 Loan1 1. No Loans 4.99 and 10 10 and 22.5
4.99 Lakhs Lakhs
Lakhs Lakhs
List of Loans 2. Less Than 5. Above 12.5
Q18_13 Loan2 1. No Loans 1.99 and 5 and 12.5
in Lakhs 1.99 Lakhs Lakhs
Lakhs Lakhs
1. No Loans 2. Less Than 5. Above 37.5
Q18_14 Total_Loans 6.99 and 15 15 and 37.5
(Total) 6.99 Lakhs Lakhs
Lakhs Lakhs
Networth in 1. No 2. Less Than 5. Above 75
Q18_15 Net_Worth 9.99 and 30 30 and 75
Lakhs Networth 9.99 Lakhs Lakhs
Lakhs Lakhs
Income per 1. No 2. Less Than 3. Between 4. Between 5. Above
month in Q18_16 Income Monthly 49.9 49.9 and 75 75 and 112.5 112.5
Thousands Income Thousand Thousand Thousand Thousand
1. Not 2. Less Than 3. Between 4. Between
5. Above 45
Q18_17 Household_Expenses applicable 9.9 9.9 and 20 20 and 45
Thousand
(zero exps) Thousand Thousand Thousand
5. Above 45
Q18_18 Rent applicable 9.9 9.9 and 20 20 and 45
Thousand
5. Above 45
Q18_19 Children_Expenses applicable 9.9 9.9 and 20 20 and 45
Thousand
Expenses 1. Not 2. Less Than 3. Between 4. Between
5. Above 45
and Q18_20 Deposits applicable 9.9 9.9 and 20 20 and 45
Thousand
Investments (zero exps) Thousand Thousand Thousand
per month in 1. Not 2. Less Than 3. Between 4. Between
Rupees 5. Above 45
Q18_21 Loan_EMI applicable 9.9 9.9 and 20 20 and 45
Thousands Thousand
1. Not 2. Less Than 3. Between 4. Between 5
5. Above 8.2
Q18_22 Insurance_ Premium applicable 2.99 2.99 and 5 and 8.2
Thousand
5. Above 24
Q18_23 Investments applicable 4.99 4.99 and 10 10 and 24
Thousand
(zero invst) Thousand Thousand Thousand
5. Above 87.5
Q18_24 Total_Outgo applicable 24.99 24.99 and 50 50 and 87.5
Thousand
1. Not
2. Less Than 3. Between 4. Between
applicable 5. Above 62.5
Surplus, Q18_25 Surplus 9.99 9.99 and 25 25 and 62.5
(zero Thousand
Savings Thousand Thousand Thousand
surplus)
(Surplus plus
1. Not
Invsts)in Rs. Savings 2. Less Than 3. Between 4. Between
applicable 5. Above 62.5
'000s Q18_26 (Surplus_Plus_invest 9.99 9.99 and 25 25 and 62.5
(zero Thousand
ments) Thousand Thousand Thousand
Savings)
1. Not 3. Between 4. Between 2
Q18_27 Emergency_ Fund Applicable 0.99 and 2 and 3.95
0.99 Lakhs Lakhs
(GV = 0) Lakhs Lakhs
Financial 1. Not 3. Between 4. Between
2. Less Than 5. Above
Goals in Q18_28 Kids_Educ1 Applicable 19.9 and 30 30 and 59.95
19.9 Lakhs 59.95 Lakhs
Lakhs (GV = 0) Lakhs Lakhs
1. Not 3. Between 4. Between
Q18_29 Kids_Educ2 Applicable 9.99 and 30 30 and 64.95
Page 4 of 9
Q18_30 Kids_Marr1 Applicable 9.99 and 30 30 and 64.95
Q18_31 Kids_Marr2 Applicable 9.99 and 30 30 and 64.95
Q18_32 Retirement Applicable 249 and 500 500 and
249 Lakhs 874.95 Lakhs
(GV = 0) Lakhs 874.95 Lakhs
Q18_33 Real_Estate Applicable 9.99 and 25 25 and 62.5
9.99 Lakhs Lakhs
1. Not 3. Between 4. Between 8
Q18_34 Vehicle Applicable 3.99 and 8 and 13.95
1. Not 3. Between
2. Less Than 4. Between 5 5. Above 8
Q18_35 Vacations Applicable 1.99 and 5
1.99 Lakhs and 8 Lakhs Lakhs
(GV = 0) Lakhs
1. Not 3. Between
2. Less Than 4. Between 5 5. Above 8
Q18_36 Self_Weddding Applicable 1.99 and 5
1.99 Lakhs and 8 Lakhs Lakhs
(GV = 0) Lakhs
4. Between
Overall value 1. Not 3. Between 5. Above
2. Less Than 600 and
of Goals Rs. Q18_37 Overall value of Goals Applicable 350 and 600 1049.95
350 Lakhs 1049.95
Lakhs (GV = 0) Lakhs Lakhs
Lakhs
Overall value
of Goals (Excl Overall value of Goals 2. Less Than 5. Above
Q18_38 Applicable 75 and 150 150 and
Retirement) (Excl Retirement) 75 Lakhs 262.45 Lakhs
(GV = 0) Lakhs 262.45 Lakhs
Rs. Lakhs
Years to
Achieve 1. Achieved 2. Less Than 5. Above
Q18_39 Years to Achieve 10 and 20 20 and 34.95
Goals (Excl Target 10 Years 34.95 Years
Years Years
Retirement)
Q19_1 Internet 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never
Mode of
Q19_2 Mobile App 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never
investments?
Q19_3 Direct Debit (ECS) 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never
I invest more when 3. Neither
Q20_1 the Sensex has hit a 2. Disagree Agree or 4. Agree
Disagree Agree
new peak Disagree
Factors I sell Shares / MF 3. Neither
affect my MF Q20_2 when the Sensex has 2. Disagree Agree or 4. Agree
Disagree Agree
investment hit a new peak Disagree
during I review my networth
3. Neither
annually and 1. Strongly 5. Strongly
rebalance MF Disagree Agree
Disagree
portfolio
Current Stock Market
3. Neither
Factors Movements - say 5% 1. Strongly 5. Strongly
influencing fall or increase in few Disagree Agree
Disagree
the selection days
of my mutual Mutual Fund being
fund 3. Neither
Indian or Foreign (Ex: 1. Strongly 5. Strongly
investments Q21_2 2. Disagree Agree or 4. Agree
JP Morgan, Fidelity, Disagree Agree
Disagree
PPFAS)
Page 5 of 9
Professional 3. Neither
Q21_3 management (Fund 2. Disagree Agree or 4. Agree
Disagree Agree
manager capabilities) Disagree
Reputation / Track
3. Neither
record of Mutual fund 1. Strongly 5. Strongly
house (Ex: Birla, Disagree Agree
Disagree
HDFC, ICICI etc)
3. Neither
Q21_5 Age of the Fund 2. Disagree Agree or 4. Agree
Disagree Agree
Disagree
Alpha (additional
returns as compared 3. Neither
Q21_6 to benchmark) 2. Disagree Agree or 4. Agree
Disagree Agree
generated by the Disagree
Fund
3. Neither
Assets Under 1. Strongly 5. Strongly
Management Disagree Agree
Disagree
3. Neither
Current NAV of the 1. Strongly 5. Strongly
Fund Disagree Agree
Disagree
Ease of investment 3. Neither
Q21_9 (Ex: online, additional 2. Disagree Agree or 4. Agree
Disagree Agree
purchase request) Disagree
3. Neither
Q21_10 Exit Loads 2. Disagree Agree or 4. Agree
Disagree Agree
Disagree
Liquidity - Ex: Closed 3. Neither
Q21_11 end fund, open ended 2. Disagree Agree or 4. Agree
Disagree Agree
funds Disagree
3. Neither
Q21_12 Lock in Period 2. Disagree Agree or 4. Agree
Disagree Agree
Disagree
Options provided by 3. Neither
Q21_13 the Fund – Dividend 2. Disagree Agree or 4. Agree
Disagree Agree
Payout, Growth, etc Disagree
Performance track
3. Neither
record of the fund 1. Strongly 5. Strongly
(past), Fund Rating Disagree Agree
Disagree
(VR,MC*)
Potential Returns (Ex:
3. Neither
Upside capture ratio, 1. Strongly 5. Strongly
downside capture Disagree Agree
Disagree
ratio)
Quantum of
3. Neither
investment (Ex: Rs. 1. Strongly 5. Strongly
500 or Rs. 1000 per Disagree Agree
Disagree
SIP)
3. Neither
Q21_17 Safety of principal 2. Disagree Agree or 4. Agree
Disagree Agree
Disagree
3. Neither
Q21_18 Tax Benefits 2. Disagree Agree or 4. Agree
Disagree Agree
Disagree
3. Neither
Turnover of the 1. Strongly 5. Strongly
Portfolio Disagree Agree
Disagree
Page 6 of 9
Efficient Service (Ex: 3. Neither
Q21_20 CAMS or Karvy or 2. Disagree Agree or 4. Agree
Disagree Agree
Online Portals) Disagree
To de-risk my 3. Neither
Q21_21 portfolio, I prefer 2. Disagree Agree or 4. Agree
Disagree Agree
Mutual funds Disagree
3. Neither
Fees charged by 1. Strongly 5. Strongly
Advisors are high Disagree Agree
Disagree
My financial advisor
3. Neither
gave other options 1. Strongly 5. Strongly
(Ex: Insurance, Post Disagree Agree
Disagree
Office)
Poor Timing of 3. Neither
Q22_3 Investment (or) 2. Disagree Agree or 4. Agree
Disagree Agree
recommendation Disagree
High Entry Load or
3. Neither
Exit Load or Expense 1. Strongly 5. Strongly
Ratios (Ex: Disagree Agree
Disagree
management fees)
Lack of Service (ex: 3. Neither
Q22_5 redemption form 2. Disagree Agree or 4. Agree
Disagree Agree
being rejected) Disagree
Product features are 3. Neither
Q22_6 complicated (Step Up, 2. Disagree Agree or 4. Agree
Disagree Agree
Growth, STP, SWP) Disagree
Reasons for Too many Mutual 3. Neither

NOT Q22_7 Funds Houses / 2. Disagree Agree or 4. Agree
Disagree Agree
ADEQUATELY schemes / Option Disagree
investing in 3. Neither
Less Returns in 1. Strongly 5. Strongly
Mutual Q22_8 2. Disagree Agree or 4. Agree
Mutual Funds Disagree Agree
Funds Disagree
3. Neither
Mutual Funds carries 1. Strongly 5. Strongly
high risk Disagree Agree
Disagree
3. Neither
No control over 1. Strongly 5. Strongly
portfolio Disagree Agree
Disagree
I don’t have sufficient 3. Neither
Q22_11 funds for investment 2. Disagree Agree or 4. Agree
Disagree Agree
(Ex: Rs. 5000) Disagree
I don't have the time 3. Neither
Q22_12 to make the 2. Disagree Agree or 4. Agree
Disagree Agree
investment Disagree
3. Neither
Q22_13 Lack of awareness 2. Disagree Agree or 4. Agree
Disagree Agree
Disagree
My Past experience 3. Neither
Q22_14 with Mutual Fund 2. Disagree Agree or 4. Agree
Disagree Agree
Investments Disagree
I have other attractive 3. Neither
Q22_15 investment avenues 2. Disagree Agree or 4. Agree
Disagree Agree
(Ex: Real Estate) Disagree
Page 7 of 9
Location of the
service center is far 3. Neither
Q22_16 (Ex: CAMS or Karvy) 2. Disagree Agree or 4. Agree
Disagree Agree
and no access to Disagree
Internet
Filling up of the form 3. Neither
Q22_17 is difficult and 2. Disagree Agree or 4. Agree
Disagree Agree
Complicated Disagree
Know Your Customer 3. Neither
Q22_18 (KYC) is cumbersome 2. Disagree Agree or 4. Agree
Disagree Agree
(Ex: FATCA) Disagree
Lack of procedural
3. Neither
clarity (Ex: 1. Strongly 5. Strongly
redemption, Disagree Agree
Disagree
repatriation of funds)
3. Neither
Q22_20 Lack of Transparency 2. Disagree Agree or 4. Agree
Disagree Agree
Disagree
How long have you 1. Less than 2. 2 to 3. 4 to 6 4. 6 to 8 5. More than

Q23
been investing? 2 years 4years years years 8 years
Bank Deposits (FD,

Q24 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never
RD, SB)
3.
1. Every 2. Almost 4. Almost
Q25_1 Parents and Siblings Occasionally/ 5. Never
time every time never
sometimes
3.
How often Q25_2 Spouse Occasionally/ 5. Never
do you use sometimes
the following 3.
sources 1. Every 2. Almost 4. Almost
Q25_3 Family and Friends Occasionally/ 5. Never
sometimes
3.
Q25_4 Financial Advisor Occasionally/ 5. Never
sometimes
5. How often do you
How often use invest?
1. Weekly 2. Once in a 3. Monthly 4. Few times
do you use Q26 (Frequency of 5. Rarely
Once Fortnight Once / year
invest? Investments Tick any
one)
How many
hours per 6. How many hours
week do you per week do you 1. Up to 2 2. 2 to 7 5. More than
3. 8 to 16 4. 16 to 20
spend to Q27 spend to upgrade hours per hours per 20 hours per
hours/Wk hours/Wk
upgrade your your Investment week week week
Investment skills?
skills?
What are 5. Not
your average Q28_1 Bank FD 1. < 5% 2. 5 to 8% 3. 8 to 10% 4. > 10%
applicable
annual
returns from
5. Not
the following Q28_2 Company FD 1. < 5% 2. 5 to 8% 3. 8 to 10% 4. > 10%
applicable
instruments
in the last
three years? 5. Not
Q28_3 Post Office Savings 1. < 5% 2. 5 to 8% 3. 8 to 10% 4. > 10%
(in Rupees) applicable
Page 8 of 9
5. Not
Q28_4 PPF 1. < 5% 2. 5 to 8% 3. 8 to 10% 4. > 10%
applicable
5. Not
Q28_5 MF (Liquid Funds) 1. < 5% 2. 5 to 8% 3. 8 to 10% 4. > 10%
applicable
5. Not
Q28_6 MF (Debt Funds) 1. < 5% 2. 5 to 8% 3. 8 to 10% 4. > 10%
applicable
5. Not
Q28_7 MF (Balanced Funds) 1. < 5% 2. 5 to 8% 3. 8 to 10% 4. > 10%
applicable
5. Not
Q28_8 MF (Equity Funds) 1. < 5% 2. 5 to 8% 3. 8 to 10% 4. > 10%
applicable
5. Not
Q28_9 Insurance (incl ULIPs) 1. < 5% 2. 5 to 8% 3. 8 to 10% 4. > 10%
applicable
5. Not
Q28_10 Direct Equity (Stocks) 1. < 5% 2. 5 to 8% 3. 8 to 10% 4. > 10%
applicable
I have regularly
3. Neither
booked profits in 1. Strongly 5. Strongly
mutual fund Disagree Agree
Disagree
investments
My
investment I have switched
3. Neither
behavior mutual fund 1. Strongly 5. Strongly
towards investments in the Disagree Agree
Disagree
shares and past
mutual funds
I review my networth
3. Neither
annually and 1. Strongly 5. Strongly
rebalance MF Disagree Agree
Disagree
portfolio
To increase my Asset 3. Neither
Factors 1. Strongly 5. Strongly
Q30_1 Allocation towards 2. Disagree Agree or 4. Agree
influencing Disagree Agree
financial assets Disagree
the selection
of my mutual I don't have time in
3. Neither
fund analyzing individual 1. Strongly 5. Strongly
investments stocks, hence I prefer Disagree Agree
Disagree
MF
Q31_1 economictimes.com 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never
Q31_2 valueresearch.com 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never
Q31_3 moneycontrol.com 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never

How often
do you often Q31_4 outlookmoney.com 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never
use the
following Q31_5 www.morningstar.in 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never
online Q31_6 www.scripbox.com 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never
portals Q31_7 www.investza.com 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never
Q31_8 myuniverse.co.in 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never
Q31_9 www.orowealth.com 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never
mutualfundsindia.co
m
Page 9 of 9

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BIBLIOGRAPHY

• Anup Agarwal and Kishore Tandem “Anemology or illusion? Journal of

How long have you 1. Less than 2. 2 to 3. 4 to 6 4. 6 to 8 5. More than

Bank Deposits (FD,

Reasons for Too many Mutual 3. Neither

How long have you 1. Less than 2. 2 to 3. 4 to 6 4. 6 to 8 5. More than

Bank Deposits (FD,

Q31_3 moneycontrol.com 1. Very often 2. Often 3. Sometimes 4. Rarely 5. Never

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