Table 4.

1: Table showing the distribution of respondent according to their Age

Age group of Respondent No. of Percentage

Responden
t
21-30 33 35.4%
30-45 34 36.6%
45-60 20 21.6%
60 above 6 6.4%
Total 93 100%

Source: Field survey conducted in December 2020

Pie diagram shows the age of the respondent

Chart: 4.1 (Age of respondent)

6%

22% 35% 21-30

30-45
45-60
60 above

37%

Source: Table 4.1

INTERPRETATION:

Almost 72% of respondent was from age group 21yrs to 45yrs this is considered to be most active
age group. During this age, life of an individual changes very drastically. The career is in growing
stage in starting few years and there are hardly any responsibilities, at this time there is a lot of
funds available for disposal. It is this age where maximum risk can be taken and a greater period can
be given to grow the amount invested. As a person enter into their 30’s they have increased family
responsibility and gradually the risk taking ability reduces with the age. With a greater portion of
such population included in data collection a greater degree of understanding can be gained how
financial planning is done by young India.
Table 4.2 Table showing the Income distribution of the respondent

Income Respondent Percentage

Less than 1 lakhs 37 40%
1lakh-2lakhs 27 29%
2lakh-3lakh 17 18%
3lakh-4lakhs 10 11%
4lakhs above 2 2%
Total 93 100%

Sources: Field survey conducted in December 2020

Pie diagram shows the income distribution of the respondent

Chart: 4.2: Showing the income distribution of the respondent

2%
11%

less than 1 lakhs

40%
18% 1lakhs -2 lakhs
2lakhs -3 lakhs
3lakhs - 4lakhs
4lakhs above

29%

Source: Table 4.2

INTERPRETATION:
The amount of disposable income at hand determines various investment decisions. It also helps in
making tax plans so that maxim benefit can be gained through various tax exemptions. So it is
necessary to know the income inflow of an individual. The above graph shows that a major portion
of respondent are in income slab of up to Rs.3, 00,000 p.a.; this indicates that the persons may be in
the beginning stage of career. With increasing income slab the no of respondent are reduced.
Table 4.3: Table showing which type of investment avenues are the respondent aware of

Avenues Respondent Percentage

Bank deposits 72 77%
Insurance 65 70%
Mutual fund 43 46%
Shares 35 38%
Postal deposits 28 30%
Public Provident fund(PPF) 23 25%
Gold 26 28%
Real estate 21 22%
Source: Field survey conducted

Chart 4.3 showing which type of investment a respondent are aware of

22%
real estate 21
93
28%
gold 26
93
25%
public provident fund 23
93
30%
postal deposit 28
93
38%
share market 35
93
46%
mutual fund 43
93
70%
insurance 65
93
77%
bank 72
93

Percentage Respondent Total Linear (Total)

Source: Table 4.3

INTERPRETATION

From the above data we can easily analysis that the most of the respondent are aware of the bank
and insurance investment avenues and
Table 4.4: table showing from which source a respondent does came to know about the investment

Parameter Respondent
Newspaper 31
Publication media 33
Professional 22
Internet 18
Family and friends 16
Source: Field survey conducted in December 2020

Chart 4.4: Showing from which source a respondent does came to know about the investment 

35
33
30 31

25
22
20
18
15 16

10

0
Newspaper Publication media professional internet family and friends

respondent

Source: Table 4.4

INTERPRETATION:

There are sources of information which are vital in making investment decision. The graph shows the
source of information which is plotted according to its authentication. On the X axis the extreme
right indicates highest authentication and it get reduce as we move to right. The authentication of
information plays a important role in right investment decision. We find that major respondent have
taken investment decision on the bases of information provided by Agents & Broker of different
financial company. The next major information source is Newspapers, publication and media which
are considered to be highly authenticated data. Help of professionals in investment decision is taken
not by many, due the fees charged by various professional for their service. There is less number of
respondent taking their investment decision on information provided by friends. Mostly the
information provide by such people is based on their experience which may not be true for others.
That is the reason, such source of information is considered less organized and reliable.
Table 4.5 table showing how the respondent rate the risk associated in various investment avenues

Parameter Respondent Percentage

High 22 23.6%
Moderate 65 70%
Low 6 6.3%
Total 93 100%
Source: field survey conducted in December, 2020

Chart 4.5 Showing how the respondent rate the risk associated in various investment avenues

6%
24%

high
moderate
low
70%

Source: table 4.5

INTERPRETATION:
Table 4.6 Table showing the previous investment made by the respondent

Respondent Percentage
Bank Deposit 91 97.8%
Insurance 45 48 %
Mutual Fund 33 35%
Share Market 19 20%
Postal Deposit 23 25%
Public Provident Fund (PPF) 11 12%
Gold 13 14%
Real Estate 7 7.5%
Source: field survey conducted on December 2020

Chart 4.6: showing the previous investment made by the respondent

8%
Real Estate 7

14%
Gold 13

12%
PPF 11

25%
Postal Deposit 23

20%
Share Market 19

35%
Mutual Fund 33

48%
Insurance 45

98%
Bank Deposit 91
0 10 20 30 40 50 60 70 80 90 100

Percentage Respondent

Source: Table 4.6

INTERPRETATION:
4.7: Table showing the satisfied level of the investor in his/her previous investment

Options Respondent Percentage

Highly Satisfied 19 20%
Satisfied 33 35%
Neutral 40 43%
Dissatisfied 0 0%
Highly Dissatisfied 1 2%
Total 93 100
Source: Field survey conducted on December 2020

Chart 4.7: showing the satisfied level of the investor in his/her previous investment

2%
20%

Highly Satisfied
Satisfied
43%
Neutral
Dissatisfied
Highly Dissatisfied

35%

Source: table 4.7

INTERPRETATION:
TABLE: 4.8: Showing how long does an investor like to hold his/her investment

Parameter Respondent Percentage

1-3 Years 49 52.6%
4-6 Years 24 25.8%
7-6 Years 7 7.5%
More than 10 Years 13 13.9%
Total 93 100
Source: Field survey conducted on December 2020

Chart: 4.8 showing how long does an investor like to hold his/her investment

14%

8%

1-3 years
53%
4-6 years
7-10 years
26% more than 10 years

Source: Table 4.8

INTERPRETATION:
TABLE: 4.9: Showing how the investor invest his/her investment

Parameter Respondent Percentage

Directly 66 70.9%
Through Professional 20 21.5%
(agent/brokers)
Other 7 7.5%
Total 93 100
Source: Field survey conducted on December 2020

Chart 4.9: Showing how the investor invest his /her investment

8%

22%
Directly
Through Professional (agent/
brokers
Other

71%

Sources: Table 4.9

INTERPRETATION:
Table 4.10: Showing which sector an investor prefers to invest is money

Parameter Respondent Percentage

Public Sector 56 60.2%
Private Sector 34 36.5%
Foreign Sector 3 3.2%
Total 93 100
Source: Field survey conducted on December 2020

Chart 4.10: showing which sector an investor prefer to invest is money

Foreign Sector
3%

Private Sector
37%
Public Sector
Public Sector Private Sector
60%
Foreign Sector

Source: Table 4.10

INTERPRETATION:
Table 4.11: Showing the percentage of money does an investor invest in various investment avenues

Parameter Respondent Parameter

Less than 20% 61 65.5%
Between 20%-35% 19 20.4%
Between 35%-50% 7 7.5%
More than 50% 6 6.4%
Total 93 100
Source: Field survey conducted on December 2020

Chart 4.11: Showing the percentage of money does an investor invest in various investment avenues

6%
8%

20%

66%

Less than 20% Between 20%-35% between 35%-50% more than 50%

Source: Table4.11

INTERPRETATION:
Table 4.12: Showing which mode of investment does an investor prefer

Parameter Respondent Percentage

One time investment 61 65.5%
Systematic investment 32 34.4%
Total 93 100%
Source: Field survey conducted on December 2020

Chart 4.12: Showing which mode of investment does an investor prefer

34%

One time Invesment

66% Systematic Investment

Source: Table 4.12

INTERPRETATION:
Table 4.13: Showing the factor which are responsible for an investor investment decision

Parameter Respondent Percentage

Liquidity 43 46.2%
High return 64 68.8%
Company image 27 29.0%
Price 37 39.7%
Diversification 14 15%
Professional Management 6 6.4%
Risk 30 32.2%
Source: Field survey conducted on December 2020

Chart 4.13: Showing the factor which are responsible for an investor investment decision

Chart Title
32.20%
Risk 30

Professional
6.40%
Management 6

15.00%
Diversification 14

39.70%
Price 37

29.00%
Company Image 27

68.80%
High Return 64

46.20%
Liquidity 43

0 10 20 30 40 50 60 70

Source: Table 4.13

INTERPRETATION:
Table.4.14: Showing the principle do an investor consider while selecting an investment

Parameter Respondent Percentage

Finding outs company past 48 51.6%
performance
Identifying your own objective 40 43.1%
Other 5 5.3%
Total 93 100
Source: Field survey conducted on December 2020

Chart 4.14: Showing the principle do an investor consider while selecting an investment