SHITAL AMDARE MBA Project

NIT Graduate School of Management
PROJECT REPORT
ON
“Comparative Analysis of Mutual Fund with Special Reference
To SBI Mutual Fund”
Submitted to
Rashtrasant Tukadoji Maharaj Nagpur University, Nagpur
for the award of degree of
Master of Business Administration
course specialization in
FINANCE MANAGEMENT
Prepared by:
SHEETAL DILIP AMDARE
Guide:
Prof. MUKTA DESHMUKH (MAM)
2020-22
NIT Graduate
School of Management
Survey No. 13/2, Mahurzari, Katol Road, Nagpur – 441 501

Comparative Analysis of Mutual Fund with Special Reference
To SBI Mutual Fund
Sheetal Dilip Amdare

CERTIFICATE
This is to certify that the project report titled “ COMPATARIVE ANALYSIS OF

MUTUAL FUND WITH SPECIAL REFERENCE TO SBI MUTUAL FUND”; is a
bonafide work of SHEETAL DILIP AMDARE who is student of MBA (Second

Year), N I T Graduate School of Management (Academic Session – 2020-
2022). This report is being submitted in partial fulfillment of requirement for
the course of Post Graduate Degree of Masters of Business Administration
(MBA) of Rashtrasant Tukadoji Maharaj Nagpur University, Nagpur.
Prof. _______________ Dr .Mukesh Patil
Project Guide I/c Director

To SBI Mutual Fund

APPROVAL OF PROJECT PROPOSAL
Name of Student : - Sheetal Dilip Amdare
Enrollment Roll No : - 20183019309914
College : - NIT Graduate School of Management
Address of Student : - Plot no. 75, Shivsundar Nagar, Dighori, Umred

Road Nagpur.
Title of Project : - Comparative Analysis of Mutual Fund with Special

Reference To SBI Mutual Fund
Subject Area : - Finance Management
Name of Guide : - Mukta Deskhmukh
Prof. : Mukta Deshmukh Dr. Mukesh Patil
Faculty & Guide I/c Director

To SBI Mutual Fund

DECLARATION
I Sheetal Dilip Amdare hereby declare that the project report titled, “
Comparative Analysis of Mutual Fund with Special Reference to SBI Mutual
Fund” which is being submitted by me in partial fulfillment of requirement for
the Degree of Master of Business Administration of Rashtrasant Tukadoji
Maharaj Nagpur University, is a bonafide record of work exclusively carried out
by me. It is the result of my genuine efforts and the same has not been
previously submitted towards requirements of any course or examination of this
or any other university.
The sources of material and information used in this research study has been
duly acknowledged and certified. I hereby further confirm that this project truly
represents the bonafide work undertaken by me and is the outcome of thorough
and systematic research.
Name : SHEETAL DILIP AMDARE
ACKNOWLEDGEMENT

To SBI Mutual Fund

With immense pride and sense of Gratitude, I take this opportunity to express my sincere
regards to My guide MUKTA DESHMUKH / Associate Professor, Department of M. B. A,
NIT Graduate School of Management, Nagpur, for his Motivating guidance, important
Suggestion and support for the Completion of this work in time and in great successful
approach.
I record my sincere thanks to our Head of the Department for his Kind support and our
Principal for providing Necessary facilities in undertaking this work.
I am also immensely pleased to Record my deep sense of gratitude to all the supporting staff
members of our M.B.A. Department, for their Encouragement and suggestion to
Complete this work successfully.
Place: Nagpur
Date: Student Name: Sheetal Dilip Amdare
PREFACE
It is a great opportunity for me to have the MASTER OF BUSINESS
ADMINISTRATION in NIT Graduate School of Management, Nagpur in

To SBI Mutual Fund

the accomplishment of the degree I am submitting a Project report o “Comparative

Analysis of Mutual Fund with Special Reference to SBI Mutual Fund” . Subject to the
limitation of time efforts and resources every possible attempt has been made to
study the problem deeply. The whole project is measured through the questionnaire,
the data further analyzed and interpreted and the result was obtained.
The whole project has been divided into 5 chapters
 Introduction
 Company profile
 Research Methodology
 Data analysis & interpretation
 Conclusion

To SBI Mutual Fund

INDEX
Chapter No. Particular Page No.
1. Introduction 6
2. Objective of the Study 7
3. Company Profile 8
4. Theoretical Background 9
5. Research Methodology 10-11
6. Data Analysis and Interpretation 12-27
7. Findings 28
8. Suggestions 29
9. Conclusion 30
10. Bibliography 31
11. Annexure 32-34
EXECUTIVE SUMMARY

To SBI Mutual Fund

Introduction to SBI Mutual Fund
SBI mutual fund was setup on June 29th.1987 and incorporated on February 7th 1992. It is a
result of joint venture between State Bank of India and Society General Assets Management
of France. This is a Bank sponsored mutual fund and has a base of 3.5 million investors. Over
the years it has carved a niche for itself through prudent investment decisions and consistent
wealth creation for its customers. They offer Mutual Fund products in equity Funds, Index
Funds, Balanced Funds, Debit Fund etc.
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
society General Asset Management, one of the world’s leading fund management companies
that manages over US$ 500 Billion worldwide. In twenty year of operations the fund has
launched 38 schemes and successfully redeemed fifteen of them. A total of over 4.6 million
investors have reposed their faith in the wealth generation expertise of the mutual fund. The
find serves this vast family of investor by reaching out of them through network of over 130
points of acceptance, 28 investors services centre, 46 investors services desks and 56 district
organizers. Today, the fund manages over Rs. 28500crores of assets and has a diverse profile
of investors actively parking their investment across 36 active schemes. SBI Mutual is the
first bank – sponsored fund to launched an offshore fund – Resurgent India Opportunities
Fund. Growth through innovation and stable investment policies in the SBI MF credo.

To SBI Mutual Fund

The financial objective should not only be driven by savings, but it also has to embrace
wealth appreciation across the time horizon. Over some years, mutual funds have emerged as
one of the popular instruments of investment. The fundamental reason behind its popularity is
the flexibility this fund provides. The provision of small investments like INR 500 through
SIP and a wide range of features in the market products renders it as a lucrative pick for the
investors. The State Bank of India Mutual Funds with more than 30 years of experience in
fund management is one of the leading concerns in the country. Analysing this fact, SBI
MF can be a suitable option for investors willing to start their venture in the money market.
Let us take a quick insight into its history, information and investment tips.
The SBI Mutual Fund is a joint project between the State Bank of India and AMUNDI (a
French international fund management company) which is a subsidiary collectively formed
by Credit Agricola and Society General. It is widely known as the SBI Mutual Fund Trustee
Company Private Limited and was established as a Trust under the provisions of the Indian
Trust Act 1882. This is one of India’s largest bank sponsored mutual funds with its corporate
headquarter in Mumbai. This mutual fund has also launched an offshore fund, the Resurgent
India Opportunity Fund. Besides, it is being listed with the Securities and Exchange Board of
India (SEBI). The fund has a diverse profile of investors parking their money across 38 active
schemes with the management of over INR 42,000 corer assets.
Investment in SBI mutual funds have to be carried on through the four major types of funds
which are Equity Mutual Funds, Debt Mutual Funds, Tax Saving Mutual Funds and Hybrid
Mutual Funds.
Equity Mutual Funds: In the equity mutual funds, the investments are largely made on
large-cap, mid-cap and small-cap stocks. Over a longer duration, these funds provide a stellar
performance.
Debt Mutual Funds: The Debt mutual fund of SBI has a combination of both debt and fixed
income securities. The fixed-income securities comprise of the Government Securities,
Treasury Bills, and Corporate Bonds and money market instruments. These securities come
with a fixed rate of interest and a fixed maturity date.
To SBI Mutual Fund

Tax Saving Mutual Funds: SBI also has tax saving mutual funds that offer tax relief under
Section 80C of the Income-tax Act. These equity-based funds come with a lock-in period of
three years.
Hybrid Mutual Funds: Based on the investment objectives of the individuals, these hybrid
funds by SBI offers investment in a mixture of debt and equity in various proportions. These
have a high rate of interest and are less risky when compared to other categories of funds.
Investors need to login on the official website and create an account. Then they can select
their preferred mutual fund scheme and evaluate certain factors like risk, NAV, performance
and others. After choosing the appropriate funds, investments can be made in SIP or lump
sum via net banking mode. For the offline process, investors need to visit the branch in
person. The SBI mutual fund units will be allotted to the investor within five working days.
In case, the KYC has not been submitted; it needs to be carried out separately.
Know your risk tolerance: In mutual funds, there are various investments that incorporate
some amount of risk. The equity funds like mid and small-cap have the highest risk, along
with the highest potential returns. Debt funds in comparison offer lower risk with lower
returns. The hybrid fund is a mix of both equity and debt funds, and thus it provides a balance
in risk and returns. After analysing the risk and return equation, investors can pick up the best
mutual funds that meet their expectations.
Be clear about your financial objective: After analysing the risk factor, the next vital thing
is to determine how long you want to stay invested and how much you can invest. Mutual
funds being a highly flexible tool can offer you various routes to deliver your goal.
Prefer long-term growth strategy: There is no means by which mutual funds can provide
you with a short-cut route to become prosperous. There are a few short-term schemes in
which you get the chance to earn — however, investments over a time horizon help in getting
the highest rewards.
Monitor the funds timely to ensure success: By monitoring the funds timely, the investors
can detect which scheme is working properly and which wasn’t able to perform. This will
help the investor to make an informed decision and reallocate the funds in more lucrative
plans.

To SBI Mutual Fund

Diversify the investments over time: In mutual funds, investors also get opportunities to
diversify the funds based on the market scenario. Equity-based schemes help in wealth
appreciation in long-term, while debt funds are relatively safer but offer lower returns.
Diversifying the portfolio with a balanced mix of both of these sounds a much prudent
choice.
The NAV does not imply much: The NAV of the mutual funds has no implications that how
the funds will perform in future. This is the main reason why mutual funds are represented by
percentage growth figures.
These are some of the important information facts about SBI Mutual Funds and investors can
implement these tips at the time of investment.
Objective of the study

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 To know the awareness of mutual funds among people.

 To see the interest of people in investing in mutual funds.
 To know the investing behaviour of investors in mutual fund according to different age group.
 To ascertain the percentage of income the investors invest in mutual funds.
 To know the different attitudes of people regarding risk, rate of return, period of investment.
 To know the investors preferred financial product for investment.
 To understand risk and return of the various scheme.
Company Profile

To SBI Mutual Fund

Formerly : Imperial Bank of India
Type : Public Sector Undertaking
Traded as : BSE SENSEX Constituent
NSE NIFTY 50 Constitute
Industry : Banking Financial Services
Founded : 15 April 1840 Bank of Bombay
27 January 1921 Imperial Bank of India
Headquarters : Mumbai, India
Area Served : Worldwide
Key People : Dinesh Kumar Khara (Chairman)
Products : Retail Banking
Corporate Banking
Investment Banking
Mortgage Loans
Private Banking
Credit Cards
Finance & Insurance
Theoretical Background
To SBI Mutual Fund

State Bank of India (SBI) is an Indian multinational, public sector banking and financial
services statutory body headquartered in Mumbai, Maharashtra. SBI is the 43rd largest bank
in the world and rank 221st in the Fortune Global 500 list of the world’s biggest corporations
of 2020, being the only Indian bank on the list. It is a public sector bank of India with a 23%
market share by assets and a 25% share of the total loan and deposits market.
The bank operates in four business segments, namely Treasury, Corporate/ Wholesale
Banking, Retail Banking and Other Banking Business. The Treasury segment include the
investment portfolio and trading in foreign exchange contract and derivative contracts. The
Corporate/ Wholesale Banking segment comprises the lending activities of corporate account
group mid corporate accounts group and stressed assets management group the retail banking
segment consist of branches in national banking group which primarily include personal
banking activities including landing activities to corporate customer having banking relation
with branches in the national banking group.
SBI provides a rang of banking product through their vast network of branches in India and
overseas, including product aimed at NRIs. The state bank group, with over 16000 branches
has the largest banking branch network in India. The state bank of India is the 10 th most
reputed company in the world according to Forbes.
Research Methodology
To SBI Mutual Fund

Step of Research Design
 Define the information needed: - This first step status that what the information
that is actually required is information in risk case. We required is that what is the approach
of investor while investing their money in mutual fund and tulips e. g what do they consider
while deciding as to invest in which of the two mutual fund or tulips. Also, it studies the
extent to which the investors are aware of the various cost that one bears while making any
investment. So, the information sought and information generated is only possible after
defining the information needed.
 Design the research:- A research design is a framework or blueprint for conducting

the research project. It details the procedures necessary for obtaining the information needed
to solve research problem in this project. The research design explorative in nature.
 Satisfy the scaling procedure:- Scaling involves creating a continuum on which

measure object are located both nominal and interval scales have been use for this purpose.
 Construct and pretest of questionnaire: - A questionnaire is a formalize set of

questions for obtaining information from respondent whereas protesting refers to the testing
of the questionnaire on a small sample of responded in order to identify and eliminate
potential problems.
 Population:- All the clients of State Bank of India and State Bank of Hyderabad who are
investing money in mutual fund and tulips, both.
 Sample Unit: - Investor and non-investors.
 Sample Size: - This study involves 100 respondents.

To SBI Mutual Fund

 Sampling Technique:- The sample size has been taken by non-random convenience
sampling technique.
Need of the study
 The need of the study aimed to know the awareness in the public about the various product
and services provided by SBI Mutual Fund.
 A study was also conducted to measure the performance of various fund on the basis of
various performance measuring ratios such as shape ratio, total expense ratio, standard
deviation, Beta and R-squared.
 The study was basically undertaken to understand the financial need of the study customer
and to provide or suggest them product and services according to their financial needs.
 The study was undertaking to find out the banking channel at SBI Mutual Fund.
Data Collection Method
Primary data collection

In dealing with real life problem it is often found that data at hand are inadequate, and hence, it
becomes necessary to collect data that is appropriate. There are several ways of collecting the
appropriate data which differ considerably in context of money costs, time and other resources at the
disposal of the researcher.
 Primary data can be collected through survey.
The data collection for this study.
The data collection for this study was done in the following manner.

To SBI Mutual Fund

 Through personal interviews:-

A right procedure was followed and we were seeking answer to many pre-conceived question
through personal interview.
 Through questionnaire
Information to find out the investment potential and goal was found out through
questionnaires.
Data Analysis and interpretation

To SBI Mutual Fund

1. Invest in mutual fund
Option Numbers of Respondent Percentage of Respondent
Good Return 73 73%
Tax Benefit 6 6%
Capital Appreciation 10 10%
Liquidity 3 3%
Others 8 8%
Total 100 100%

To SBI Mutual Fund

Percentage of Respondent
Others 8%
Liqudity 3%
Capital Appreciation 10%
Tax Benefit 6%
Good Return 73%
0 10 20 30 40 50 60 70 80
Analysis & Interpretation
From the data collected, it can be the majority of the respondent that is 73% of the respondent
have been invest for good return & 10% people like to invest capital appreciation where
return is consistent & risk is also low. 6%, 3% of the people like to invest in mutual fund
scheme like Tax benefit and liquidity & others.
2. Through Which channel do you invest in mutual fund.
Options Number of Respondent Percentage of Respondent
Directly 78 78%
Through Brokers 22 22%
Total 100 100%

To SBI Mutual Fund

22%
Directly
Through Brokers
78%
It was found that majority of the respondents that is 78% people directly invest in mutual
fund and 22% people invest through brokers.
3. Your investment horizon.
Option Number of Respondent Percentage of Respondent

To SBI Mutual Fund

Within a year 56 56%
Between 1-3 year 24 24%
More than 3 year 20 20%
Total 100 100
60
50
40
30
20
56%
10
24%
0 20%
Within a year
Between 1-3 year
More than 3 year
Out of 100 respondents 56% of them have invested up to within a year, 24% of them have
invested between 1-3 year & 20% of them have more than 3 year. Mutual fund companies
should give advertisement on T.V and others local medium to attract the customer.

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4. How much amount do you invest in mutual fund
<50000 77 77%
50000-100000 15 15%
>100000 8 8%
Total 100 100%
80
70 77%
60
50
40
30
20
15%
10 8%
0
<50000 50000-100000 >100000

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Out of 100 respondent 77% of them have invested up to <50000, 15% of them have invested
up to 50000-100000 & 8% people invest >100000.
5. You willing to tolerate decrease in the value of your account from one
month.
Not at all 39 39%
Somewhat 51 51%
Definitely 10 10%
Total 100 100%

To SBI Mutual Fund

10%
39%
Not at all
Somewhat
Definitely
51%
Form above this bar graph 51% investors decreases in the value amount from 1 month and
39% not at all and 10% definitely.
6. What is your risk preference?
Option Number of Respondent Percent of Respondent
High risk & return 14 14%
Moderate risk & return 50 50%
Low risk & return 35 35%
Others 1 1%
Total 100 100%

To SBI Mutual Fund

1% 14%
High risk & return

35% Moderate risk & return
Low risk & return
Others
50%
Out of 100 investor 50% are investing due to Moderate risk & return. 35% investing due to
high risk & return. 14% low risk & return & 1% other.

To SBI Mutual Fund

7. How satisfied you are with your experience of investing in SBI mutual
fund?
Highly satisfied 26 26%
Considerably satisfied 40 40%
Reasonably satisfied 27 27%
Unsatisfied 7 7%
Total 100 100%
45
40
40%
35
30
25
26% 27%
20
15
10
5 7%
0
Highly satisfied Considerably satisfied Reasonably satisfied Unsatisfied

To SBI Mutual Fund

Out of 100 respondent 40% People experience of investing SBI MF considerably satisfied &
27% investor reasonably satisfied, 26% highly satisfied & 7% unsatisfied.
8. Scheme Preference
Other Numbers of Respondent Percentage of Respondent
Equity 17 17%
Debit 28 28%
Balance 28 28%
Fixed Maturity 20 20%
Others 7 7%
Total 100 100%

To SBI Mutual Fund

Pecentage of Respondent
30
28%
28%
25
20 20%
17%
15
10
7%
5
0
Equity Debit Balance Fixed maturity Others

From above this bar graph it can be clearly stated that 28% of the people like to invest Debit
& Balance scheme & Fixed Maturity 20%, equity 17%of the people like to invest in Mutual
Fund scheme.
9. Saving preference
Life insurance 31 31%
Pension & PF scheme 13 13%
Bank deposit 37 37%

To SBI Mutual Fund

Share & Debenture 7 7%
Gold/ jeweler 3 3%
Others 9 9%
Total 100 100%
40
35
37%
30
31%
25
20
15
10 13%
9%
5 7%
0 3%
e e it e r rs
nc m os ur ele he
ra he p nt w t
su Fs
c de be
/ j e o
e in P nk de ld
Lif
n
& Ba e& Go
sio ar
n Sh
Pe
Out of 100 respondents 37% Saving for Bank Deposit,31% investors saving for Life
Insurance, 13% Pension & PF scheme, Share & Debenture 7%, Gold/ Jeweler 3% and others
9%.

To SBI Mutual Fund

10. Preferable route to mutual fund investing.
Friends suggestion 25 23%
Newspaper/ magazine 5 5%
Self-decision 52 52%
Television 7 7%
Broker/ Agent 7 7%
Others 4 4%
Total 100 100%
Percentage of Respndent
60
50 52%
40
30
25%
20
10 5% 7% 7% 4%
0
Friends Newspaper/ Self decision Television Broker/Agent others
suggestion magazine

To SBI Mutual Fund

Out of 100 respondents 52% investing in self-decision, 25% investors investing in friend
suggestion, 7% Television, Broker/ Agent, 5% newspaper & magazine and 4% others.
11.You prefer
Option Number of Respondent Percentage of

Respondent
Opened ended scheme 60 60%
Close ended scheme 21 21%
Interval scheme 19 19%
Total 100 100%

To SBI Mutual Fund

60
60%
50
40
30
20
21%
10 19%
0
Open ended scheme
Close ended scheme
Interval scheme
Out of 100 respondent investors prefer a 60% Open ended scheme and 21% Close ended
scheme and 19% Interval scheme.
12. How much of your income you able to save.
Option Number of Respondent Percentage of Responded
Below 5% 18 18%
5-10% 40 40%
10-15% 15 15%
15-20% 12 12%
Above 20% 15 15%
Total 100 100%

To SBI Mutual Fund

45
40
40%
35
30
25
20
15 18%
15% 15%
10 12%
0
Below 5% 5-10% 10-15% 15-20% Above 20%
Out of 100 respondents investor the income save 40 investors is 5-10%, 18% investors
income save Below 5% , 15% investors save 10-15% and above 20, 12% investors save 15-
20%.
13. Rank following factors that you consider while selecting a scheme.
Option Number of Percentage of

Respondent Respondent
Scheme quality like track record, fund, size etc 38 38%
Fund manager experience 20 20%
Inverter services like disclosure of NAV, A/C 15 15%

statement
Market of funds through bill boars relatives, friends, 27 27%

brokers etc
To SBI Mutual Fund

Total 100 100%
Market of funds through bill boars relatives,

friends,brokers etc 27%
Invester service like disclosure of NAV,A/C 15%

statement
Fund manager experience 20%
Scheme quality like track record, fund ,size etc 38%
0 5 10 15 20 25 30 35 40
Out of 100 investor selecting a Scheme like a 38% scheme quality like track record, fund, size etc and
27% investors Market of funds through bill boars relatives, friends, brokers etc and 20% investors
Fund manager experience and 15% Inverter services like disclosure of NAV, A/C statement.
14. When you want to invest which type of fund would you choose?
Option Number of Percentage of

Respondent Respondent
Having only debt portfolio 42 42%

To SBI Mutual Fund

Having debt & equity portfolio 46 46%
Only equity portfolio 11 11%
Total 99 99%
Only equity portfolio
Having debt & equity portfolio
Having only debt portfolio
0 5 10 15 20 25 30 35 40 45 50
Out of 100 investors 46% investors are investing in Debt & Equity portfolio, 42% are
investors are investing in equity portfolio. 11% investors are investing Debt portfolio.

To SBI Mutual Fund

Findings
Thus on the basis of the study conducted we can see that mutual fund is one of the best
options for investment as it has many advantages of diversification, professional
management, economics of scale, liquidity etc. From the survey conducted it was found that
–
1. From the data collected, it can be the majority of the respondent that is 73% of the respondent
have been invest for good return & 10% people like to invest capital appreciation where
return is consistent & risk is also low. 6%, 3% of the people like to invest in mutual fund
scheme like Tax benefit and liquidity & others.
2. It was found that majority of the respondents that is 78% people directly invest in mutual fund
and 22% people invest through brokers.
3. Out of 100 respondents 56% of them have invested up to within a year, 24% of them have
invested between 1-3 year & 20% of them have more than 3 year. Mutual fund companies
should give advertisement on T.V and others local medium to attract the customers.
4. Out of 100 respondent 77% of them have invested up to <50000, 15% of them have invested
up to 50000-100000 & 8% people invest >100000.
5. Form above this bar graph 51% investors decreases in the value amount from 1 month and
39% not at all and 10% definitely
6. Out of 100 investor 50% are investing due to Moderate risk & return. 35% investing due to
high risk & return. 14% low risk & return & 1% other.
7. Out of 100 respondent 40% People experience of investing SBI MF considerably satisfied &
27% investor reasonably satisfied, 26% highly satisfied & 7% unsatisfied.

To SBI Mutual Fund

8. From above this bar graph it can be clearly stated that 28% of the people like to invest Debit
& Balance scheme & Fixed Maturity 20%, equity 17%of the people like to invest in Mutual
Fund scheme.
9. Out of 100 respondents 37% Saving for Bank Deposit,31% investors saving for Life
Insurance, 13% Pension & PF scheme, Share & Debenture 7%, Gold/ Jeweller 3% and others
9%.
10. Out of 100 respondents 52% investing in self-decision, 25% investors investing in friend
suggestion, 7% Television, Broker/ Agent, 5% newspaper & magazine and 4% others.
11. Out of 100 respondent investors prefer a 60% Open ended scheme and 21% Close ended
scheme and 19% Interval scheme.
12. Out of 100 respondents investor the income save 40 investors is 5-10%, 18% investors
income save Below 5% , 15% investors save 10-15% and above 20, 12% investors save
15-20%.
13. Out of 100 investor selecting a Scheme like a 38% scheme quality like track record, fund, size
etc and 27% investors Market of funds through bill boars relatives, friends, brokers etc and
20% investors Fund manager experience and 15% Inverter services like disclosure of NAV,
A/C statement.
14. Out of 100 investors 46% investors are investing in Debt & Equity portfolio, 42% are
investors are investing in equity portfolio. 11% investors are investing Debt portfolio.

To SBI Mutual Fund

Suggestions
 To regulate entry and exit loads effectively as it creates a lot of confusing during actual
settlement of costs and bills.
 To better operation management so as to reduce the time lag and improve customer feedback.
 To come up with more innovative schemes and product so as to expand over the largest
customer base as possible.
 Mutual fund 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 at just another
investment option.
 Mutual fund company need to give the training of the individual financial advisor about the
funds / scheme and its objective, because they are the main source to influence the investor.

To SBI Mutual Fund

Conclusion
The future of primary market is growing at very high pace. Taking this thing into
consideration, there are lots of opportunities for the SBI mutual funds management Pvt. Ltd.
Tap the golden opportunities from the Indian market.
SBI Funds Management Pvt. Ltd has emerged a very strong player in the field of distribution
of financial product within a short period of one year time in the field of and is giving stiff
competition to all the players in the market including the banks. It is expanding its area of
business, if the progress of SBI MF goes in the same way, than I can say that there is bright
future for SBI MF in coming years.
The company is currently following huge investment and growth strategies. Apart from the
market growth rate the distribution industry doesn’t seem to attractive. Hence the firm should
be selective using growth strategies. This is not to undermine the bright future of SBI MF,
just a check to be a cautious.
Mutual funds will become one of the sought after investment avenues. As far as the other
investment products marketed by SBI MF are concerned, they have a ready market. The only
thing which it needs to focus on, is that they should have a strong network so that prompt
services and availability of forms is made available to the investor at a short notice, and if it
keeps the traditional base for marketing for India, which is a price sensitive market, we can
say that SBI MF has a great future ahead.

To SBI Mutual Fund

Bibliography
Website referred:
Company Profile
www.mutualfundsindia.com
www.SBIMF.com
www.investorsguide.com
www.moneycontrol.com

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Annexure
1. Why do invest in mutual fund?
o Good Return
o Tax Benefit
o Capital Appreciation
o Liquidity
o Others
2. Through which channel do you invest in mutual fund?
o Directly
o Through Brokers
3. How much is your investment horizon?
o Within a year 1
o Between 1-3
o More than 3 year
4. How much amount do you invest in mutual fund?
o <Rs. 50000
o Between Rs. 50000 – 100000
o >Rs.100000
5. Are you willing to tolerate decreases in the value of your account from
one month to the next?

To SBI Mutual Fund

o Not at all
o Somewhat
o Definitely
6. What is your risk preference?
o High risk & return

o Moderate risk & return
o Low risk & return
7. How satisfied you are with your experience of investing in SBI mutual
fund.
o Highly satisfied
o Considerably satisfied
o Reasonably satisfied
o Unsatisfied
8. Scheme preference.
o Equity
o Debit
o Balance
o Fixed maturity plan
o Others
9. Saving preference.
o Life Insurance
o Pension & PF Scheme

To SBI Mutual Fund

o Bank Deposit
o Share & Debenture
o Gold/Jeweler
o Others
10.Preferable route to mutual fund investing.
o Friends Suggestion
o Newspaper/ Magazine
o Self-Decision
o Television
o Brokers/ Agents
o Others
11.You Prefer
o Open ended scheme

o Close ended scheme
o Interval scheme
12. How much of your income you able to save.
o Below 5%
o 5-10%
o 10-15%
o 15-20%
o Above 20%
13.Rank following factors that you consider while selecting a scheme.

To SBI Mutual Fund

o Scheme qualities like track record, fund size etc

o Fund manager experience
o Investor services like disclosure of NAV. A/C statement
o Market of funds through bill boards, relatives, friends, brokers etc
14.When you want to invest which type of funds would you choose?
o Having a debt portfolio

o Having debt & equity portfolio
o Only equity portfolio

To SBI Mutual Fund

SHITAL AMDARE MBA Project

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NIT Graduate School of Management

“Comparative Analysis of Mutual Fund with Special Reference

To SBI Mutual Fund”

Rashtrasant Tukadoji Maharaj Nagpur University, Nagpur

for the award of degree of

Master of Business Administration

SHEETAL DILIP AMDARE

Prof. MUKTA DESHMUKH (MAM)

Survey No. 13/2, Mahurzari, Katol Road, Nagpur – 441 501

Sheetal Dilip Amdare

This is to certify that the project report titled “ COMPATARIVE ANALYSIS OF

bonafide work of SHEETAL DILIP AMDARE who is student of MBA (Second

Prof. _______________ Dr .Mukesh Patil

Project Guide I/c Director

Comparative Analysis of Mutual Fund with Special Reference

Sheetal Dilip Amdare

APPROVAL OF PROJECT PROPOSAL

Name of Student : - Sheetal Dilip Amdare

Enrollment Roll No : - 20183019309914

College : - NIT Graduate School of Management

Address of Student : - Plot no. 75, Shivsundar Nagar, Dighori, Umred

Title of Project : - Comparative Analysis of Mutual Fund with Special

Subject Area : - Finance Management

Name of Guide : - Mukta Deskhmukh

Prof. : Mukta Deshmukh Dr. Mukesh Patil

Faculty & Guide I/c Director

Comparative Analysis of Mutual Fund with Special Reference

Sheetal Dilip Amdare

Name : SHEETAL DILIP AMDARE

Comparative Analysis of Mutual Fund with Special Reference

Sheetal Dilip Amdare

Date: Student Name: Sheetal Dilip Amdare

It is a great opportunity for me to have the MASTER OF BUSINESS

ADMINISTRATION in NIT Graduate School of Management, Nagpur in

Sheetal Dilip Amdare

the accomplishment of the degree I am submitting a Project report o “Comparative

The whole project has been divided into 5 chapters

Comparative Analysis of Mutual Fund with Special Reference

Sheetal Dilip Amdare

Chapter No. Particular Page No.

2. Objective of the Study 7

5. Research Methodology 10-11

6. Data Analysis and Interpretation 12-27

11. Annexure 32-34

Comparative Analysis of Mutual Fund with Special Reference

Sheetal Dilip Amdare

Introduction to SBI Mutual Fund

Comparative Analysis of Mutual Fund with Special Reference

Sheetal Dilip Amdare

Sheetal Dilip Amdare

Comparative Analysis of Mutual Fund with Special Reference

Sheetal Dilip Amdare

Objective of the study

Comparative Analysis of Mutual Fund with Special Reference

Sheetal Dilip Amdare

 To know the awareness of mutual funds among people.

Comparative Analysis of Mutual Fund with Special Reference

Sheetal Dilip Amdare

Formerly : Imperial Bank of India

Type : Public Sector Undertaking

Traded as : BSE SENSEX Constituent

NSE NIFTY 50 Constitute