“A STUDY ON INVESTOR PREFERENCES TOWARDS

MUTUAL FUNDS INVESTMENTS”

(A Project Report Submitted in Partial Fulfilment of Requirements for the degree of
Master of Business Administration in JNTU Hyderabad)
Submitted by
M. Srikanth
Enrolment NO: 217Y1E00A4
MBA-Finance
Under the Guidance
Dr. K. VEERAIAH
MBA, M. Phil, Ph. D, UGC-NET

Professor &HOD

DEPARTMENT OF MANAGEMENT STUDIES

Marri Laxman Reddy Institute of Technology & Management (AUTONOMOUS)
DUNDIGAL, HYDERABAD.
A.Y. 2022-2023
“A STUDY ON INVESTOR PREFERENCES TOWARDS
MUTUAL FUNDS INVESTMENTS”

A Project Report Submitted in Partial Fulfilment of Requirements for the

degree of Master of Business Administration in JNTU Hyderabad

Submitted by
M. Srikanth
Enrolment NO: 217Y1E00A4
MBA-Finance
Under the Guidance
Dr. K. VEERAIAH
MBA, M. Phil, Ph.D., UGC-NET
Professor & HOD

DEPARTMENT OF MANAGEMENT STUDIES

Marri Laxman Reddy Institute of Technology & Management
(AUTONOMOUS)
DUNDIGAL, HYDERABAD.
A.Y. 2022-2023
 CONTENTS

PARTICULARS page no’s.

CHAPTER 1. 1.1 INTRODUCTION

1.2 NEED FOR THE STUDY
1.3 0BJECTIVES OF THE STUDY
1.4 HYPOTHESIS
1.5 SCOPE OF THE STUDY
1.6 METHODOLOGY
1.7 LIMITATIONS
1.8 CHAPTERISATION
CHAPTER 2. 2.1 THEORETICAL FRAMEWORK
2.2 REVIEW OF LITERATURE
CHAPTER 3. 3.1 INDUSTRY PROFILE
3.2 COMPANY PROFILE
CHAPTER 4. 4.1 DATA ANALYSIS AND INTERPRETATION
CHAPTER 5. 5.1 FINDINGS
5.2 SUGGESTIONS
5.3 CONCLUSION
5.4 QUESTIONNAIRE
5.5 BIBLIOGRAPHY
 CHAPTER 1

INTRODUCTION
INTRODUCTION
There are a lot of investment avenues available today in the financial market for an investor with
an investible surplus. He can invest in Bank Deposits, Corporate Debentures, and Bonds where
there is low risk but low return. He may invest in Stock of companies where the risk is high and
the returns are also proportionately high. The recent trends in the Stock Market have shown that
an average retail investor always lost with periodic bearish tends. People began opting for
portfolio managers with expertise in stock markets who would invest on their behalf. Thus we
had wealth management services provided by many institutions. However, they proved too costly
for a small investor. These investors have found a good shelter with the mutual funds

Mutual fund industry has seen a lot of changes in past few years with multinational companies
coming into the country, bringing in their professional expertise in managing funds worldwide.
In the past few months there has been a consolidation phase going on in the mutual fund industry
in India. Now investors have a wide range of Schemes to choose from depending on their
individual profiles.

Today an investor is interested in tracking the value of his investments, whether he invests
directly in the market or indirectly through Mutual Funds. This dynamic change has taken place
because of a number of reasons. With globalization and the growing competition in the
investments opportunity available he would have to make guided and rational decisions on
whether he gets an acceptable return on his investments in the funds selected by him, or if he
needs to switch to another fund.

In order to achieve such an end the investor has to understand the basis of appropriate preference
measurement for the fund, and acquire the basic knowledge of the different measures of
evaluating the performance of the fund. Only then would he be in a position to judge correctly
whether his fund is performing well or not, and make the right decision.

The project’s idea is to project Mutual Fund as a better avenue for investment on a long-term
or short-term basis. Mutual Fund is a productive package for a lay-investor with limited
finances, this project creates an awareness that the Mutual Fund is a worthy investment
practice. Mutual Fund is a globally proven instrument.
NEED FOR THE STUDY
Mutual fund market for India, nowadays with approximately thirty-five kinds and over 6 100
systems, is among the many ideal investment decision avenues. Nevertheless, having a plethora
of systems to select through the list investor faces difficulties within choosing money.

Investors have to assess the money history of terminology of substitution as well as chance
elements beyond a number of qualitative things including expenditure approach, managing like
and so on, prior to committing. Even with committing additionally a logical investor constantly,
assess the investment of his to learn no matter if the investment goals of his attained at ideal
degree of chance tolerance. Hence any kind of right way, a via analysis of functionality of
mutual money will be the demand on the hour.

OBJECTIVES OF THE STUDY

1. To study about the investment pattern and customer perception towards mutual funds
2. To make a comparison between direct investment in equity and investment through
Mutual funds.
3. To analyse the awareness and investment pattern in mutual funds in kotak bank ltd
4. To Study of select Mutual Funds schemes with the perception of investors.

HYPOTHESIS OF THE STUDY

H0: - There is no significance relation between investment pattern and customer perception
towards mutual funds.
SCOPE OF THE STUDY

A big boom has been witnessed in Mutual Fund Industry in recent 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 Hyderabad. I had been sent at one of the branch of kotak bank .
Hyderabad where I completed my Project work. I surveyed on my Project Topic “A study of
performance of Mutual Fund” on the visiting customers of the Kotak Bank Ltd Hyderabad
Branch.

The study will help to know the preferences of the customers, which company, portfolio, mode
of investment and option for getting return and so on they prefer. This project report may help
the company to make further planning and strategy.

RESEARCH METHODOLOGY
PRIMARY DATA: Direct group of details coming from the cause of info, know-how as well as
private selecting, survey and so on.

SECONDARY DATA: Indirect group of information from energy sources that contain previous
and current previous info as Bank's Brochures, Annual publications, Books, Fact sheets of
mutual money, Newspaper & Magazines and so on.
LIMITATIONS OF THE STUDY
1. The analysis was done just in Hyderabad Mutual Funds Distribution Company just.
2. The information supplied by the elements and also the investor cannot be kept real as
hundred % right.
3. The analysis was carried out to know with regard to Risk involved with broking tight as
well as investors, which happens to be part of the equity share industry.
4. To recognize the general performing of mutual funds, the time of forty-five times isn't
sufficient.
5. For evaluation I've obtained test that is little only

CHAPTERIZATION
1. Chapter-I: Covers of Introduction, Need of the Study, Objective of the Study, Scope of
the Study, Hypothesis, Research Methodology and Limitations of the Study.
2. Chapter-II: Theoretical frame work & Review of literature
3. Chapter-III: company and industry profiles
4. Chapter-IV: Data Analysis and interpretation
5. Chapter-V: Findings, Suggestions and conclusions
 CHAPTER-2
THEORITICAL FRAMEWORK AND REVIEW

OF LITERATURE
THEORITICAL FRAMEWORK
MUTUAL FUNDS

A mutual fund is a company that pools money from many investors and invests the money in
securities such as stocks, bonds, and short-term debt. The combined holdings of the mutual fund
are known as its portfolio. Investors buy shares in mutual funds. Each share represents an
investor’s part ownership in the fund and the income it generates.

TYPES OF MUTUAL FUNDS

Most mutual funds fall into one of four main categories – money market funds, bond funds, stock
funds, and target date funds. Each type has different features, risks, and rewards.

1. Money market funds have relatively low risks. By law, they can invest only in certain
high-quality, short-term investments issued by U.S. corporations, and federal, state and
local governments.
2. Bond funds have higher risks than money market funds because they typically aim to
produce higher returns. Because there are many different types of bonds, the risks and
rewards of bond funds can vary dramatically.
3. Stock funds invest in corporate stocks. Not all stock funds are the same. Some examples
are:
a. Growth funds focus on stocks that may not pay a regular dividend but have potential for
above-average financial gains.
b. Income funds invest in stocks that pay regular dividends.
c. Index funds track a particular market index such as the Standard & Poor’s 500 Index.
d. Sector funds specialize in a particular industry segment.
4. Target date funds hold a mix of stocks, bonds, and other investments. Over time, the
mix gradually shifts according to the fund’s strategy. Target date funds, sometimes
known as lifecycle funds, are designed for individuals with particular retirement dates in
mind.
BENEFITS AND RISKS OF MUTUAL FUNDS
Mutual funds offer professional investment management and potential diversification. They also
offer three ways to earn money:

Dividend Payments. A fund may earn income from dividends on stock or interest on bonds. The
fund then pays the shareholders nearly all the income, less expenses.

Capital Gains Distributions. The price of the securities in a fund may increase. When a fund
sells a security that has increased in price, the fund has a capital gain. At the end of the year, the
fund distributes these capital gains, minus any capital losses, to investors.

Increased NAV. If the market value of a fund’s portfolio increases, after deducting expenses,
then the value of the fund and its shares increases. The higher NAV reflects the higher value of
your investment.

All funds carry some level of risk. With mutual funds, you may lose some or all of the money
you invest because the securities held by a fund can go down in value. Dividends or interest
payments may also change as market conditions change.

A fund’s past performance is not as important as you might think because past performance does
not predict future returns. But past performance can tell you how volatile or stable a fund has
been over a period of time. The more volatile the fund, the higher the investment risk.

REVIEW OF LITERATURE
Vidhya Lakshmi (2023) The purpose of this research is to ascertain how well-informed and
preferred mutual funds are among investors in Ahmedabad, India. One of the preferred financial
choices for retail investors is mutual funds. Nevertheless, despite the advantages of mutual funds,
a sizable percentage of investors are still unaware of them and reluctant to invest in them. Data
were gathered from a sample of Ahmedabad investors using a survey technique for the research,
and descriptive and inferential statistics were used to analyse the data. The study's findings imply
that investors in Ahmedabad have a moderate degree of knowledge about mutual funds, and that
knowledge and preference are positively correlated. Additionally, the research discovered that
elements like age, income, and educational attainment have a substantial impact on investors'
knowledge of and preference for mutual funds. The findings of this study can help mutual fund
companies, financial advisers, and lawmakers create strategies that will effectively market
mutual funds to Ahmedabad's retail investors as a feasible investment choice.

V. Sampathkumari (2022) Mutual fund is considered as a significant mode of investment

for investors as it offers opportunity for investors to invest in a diversified portfolio at low cost.
The study examines the effect of investors’ perception on preference towards mutual fund
investment at Chennai city. The study was analytical in nature. Mutual fund investors residing in
Chennai city was considered as a population for the study. The data was collected by using
primary and secondary data collection methods. Primary data was collected from 100 mutual
fund investors of Chennai city. The secondary data was collected from related articles, journals,
thesis, books, newspapers and internet, etc. The sample size was selected based on convenience
sampling technique method. The statistical tools namely reliability, descriptive statistics,
MANOVA and linear regression were used. The study found that there is a significant effect of
investors’ perception on their preference towards mutual fund investments.

Dr. S. Cecily (2022) The person saving a part of his income tries to find a temporary
repository for his savings until they are required to finance his future expenditure. This results in
investments, probably with expectations of some positive returns. Investment in Mutual fund is a
viable option. In general, the Mutual funds are established and incorporated to benefit small
investors who cannot invest directly in money market or capital market securities due to any
reason. In order to achieve maximum profit out of investment in Mutual funds some amount of
basic knowledge on Mutual fund is very essential. In this age of internet and media boom,
information has become easily accessible. Age, gender, marital status, family size, education,
occupation, income, savings and social support are some of the deciding factors of investment.
The main goal of this research is to perceive the investors’ preference in the direction of Mutual
fund in Chennai district. By means of interview schedule, required primary data were collected
for the study. The data indicate that the majority of investors are hesitant to invest in new era
investments such as mutual funds.
Aditya Mattummal (2022) Investor main objective is to earn higher returns keeping in
mind the risk and liquidity factors. With this objective in mind, an investor is looking out for
various investment avenues. A survey was conducted during the period July 2022 to August
2022. A sample of 150 individual mutual fund investors were surveyed through a pre-tested
questionnaire. The investors were selected on the basis of those who have made prior
investments in mutual funds and other investment methods and have some knowledge about the
basic terminologies involved with Investments. An attempt has been made to find out the
perception of investors regarding investment & in mutual funds and to identify the factors
considered to be important by the investors before investing in any Investment Method vis a vis
mutual fund. The study conducted shows that most investors are aware of various schemes of
mutual funds and other Investment Methods. Diversification of portfolio and tax benefits are the
main factors of mutual fund that allure the investors. Most investors are aware of advantages of
Mutual Funds and the preferred reason for investing in Mutual Funds is consistent returns given
by these funds.

V. Rani (2022) Many of the financial instruments, mutual fund is one of the most attractive
financial investment instruments that plays a vital role in the economy of India. The primary goal
behind investment in mutual fund is to earn goods return with comparatively low risk. The main
objective of this study was to identify the investors’ preference towards State Bank of India
(SBI) mutual funds in Madurai district. Also, we identify the predominant factors which
influence the individual investors preference and to analyse the impact of different demographic
variables on the attitude of investors towards SBI mutual funds. The primary research data was
collected from 110 respondents using questionnaire. From this study, we found that the better
returns to investors is the prime and major benefits for making investment in SBI mutual funds
followed by tax savings and safety. We observed majority of the respondents preferred to invest
in open-ended schemes because there is no restriction on investor's entry, exit and holding
period. Majority of the respondents in Madurai district have a high level of satisfaction with the
SBI mutual funds due to adequate infrastructure, customer service, performance and
stratification. We found that the investor’s educational qualification plays a little role to
determine their knowledge about the mutual funds. Finally, we conclude that the study will be
useful for the SBI mutual fund company for providing better service and policy schemes.

CHAPTER-3

INDUSTRY PROFILE & COMPANY PROFILE

INDUSTRY PROFILE
Market Overview

As a result of COVID-19-induced lockdowns, the mutual fund industry's SIP collections fell by
4% to Rs 96,000 crore in the 2020-21 fiscal year, resulting in income uncertainty. Many
investors chose to halt their SIPs as a result of the coronavirus epidemic, which resulted in
lockdowns in March 2020 and raised income uncertainty. The decline in SIP inflows after March
2020 demonstrated this. From a peak of Rs 8,641 crore, the contribution fell for 11 months in a
row before breaking through to new highs.

The Average Assets Under Management (AAUM) of Indian Mutual Fund Industry for the month
of February 2022 stood at 38,56,140 crores. The Industry’s AUM had crossed the milestone
of ₹10 Trillion (₹10 Lakh Crore) for the first time in May 2014 and in a short span of about
three years, the AUM size had increased more than two folds and crossed 20 trillion ( ₹20 Lakh
Crore) for the first time in August 2017. The AUM size crossed 30 trillion ( ₹30 Lakh Crore) for
the first time in November 2020. The Industry AUM stood at ₹37.56 Trillion (37.56 Lakh Crore)
as on February 28, 2022.

Digital penetration, government targeting smart cities and increased data speeds are also
facilitating the drift of asset share towards smaller cities and towns. Increased retail contribution
through SIPs shows the power of digital penetration in India.

The total number of accounts (or folios as per mutual fund parlance) as on February 28, 2022
stood at 12.61 crore (126.1 million).

Key Market Trends

Growing in mutual funds’ Assets

Strong performance by the equity markets and net inflows to equity schemes led to an increase in
the assets size of the mutual fund (MF) industry. For the quarter ended December 31, 2021, the
average assets under management (AAUM) of the industry stood at Rs 36.17 trillion -- growth of
nearly 30% over a year.

The value of assets held by individual investors in mutual funds increased from Rs.17.18 lac cr
in February 2021 to Rs. 21.02 lac cr in February 2022, an increase of 22.32%. The value of
Institutional assets has increased from Rs.15.11 lac cr in February 2021 to Rs.17.54 lac cr in
February 2022 an increase of 16.08%.

Mutual Fund SIP grows at new peak

Because of the large number of new first-time investors entering the market and the simplicity of
registering SIPs through online fintech portals, the number of SIPs and monthly collections have
increased, but the average ticket value per SIP has decreased. In December 2021, the average SIP
ticket size fell to Rs 2303 per SIP, down from Rs 3313 in December 2017. Monthly SIP receipts,
on the other hand, increased by 77% to Rs 11,005 crore in the same period, compared to Rs 6222
crore in December 2017.

According to distributors, the number of SIPs has increased by 41% in the last year, reaching
4.91 crore running accounts from 3.47 crore accounts, as many new investors have entered the
market.

Competitive Landscape

The report includes an overview of MF companies operating across India and within one or a
few other countries. We wish to present detailed profiling of a few major companies which cover
product offerings, regulations governing them, their headquarters, and financial performance.
Currently, some of the major players dominating the market are listed below.

Recent Development

In 2022, HDFC Mutual Fund has launched two new fund offerings: the HDFC NIFTY 100 Index
Fund and the HDFC NIFTY100 Equal Weight Index Fund. Both NFOs, according to the fund
house, are geared at investors seeking returns that are comparable to the NIFTY 100 Index and
NIFTY100 Equal Weight Index, respectively. As of December 31, 2021, Indian large caps
accounted for 68 percent of the Indian listed space in terms of market capitalization.

In 2021, ICICI Prudential Mutual Fund has announced the launch of ICICI Prudential FMCG
ETF. Subject to monitoring faults, the service promises to produce returns that roughly match the
returns provided by its benchmark Nifty FMCG TRI Index in the same proportions. The fund
will be traded on both the BSE and the NSE.

COMPANY PROFILE
ABOUT ANGLE BROKING

Angel Broking Limited, trading under the brand name Angel One, is an Indian stockbroker firm
established in 1996. The company is a member of the Bombay Stock Exchange, National Stock
Exchange of India, National Commodity & Derivatives Exchange Limited and Multi Commodity
Exchange of India Limited. It is a depository participant with Central Depository Services
Limited (CDSL). The company has more than 8500 sub-brokers and franchisee outlets in more
than 900 cities across India.

The company's services include online stock broking, depository services, commodity trading
and investment advisory services. Personal loans and insurance are also delivered by this
company. In 2006, Angel Broking also started its portfolio management services, IPOs business
and mutual funds distribution arm.

Angel Broking was incorporated on 8 August 1996 as a private limited company. Later, Angel
Broking was incorporated as a wealth management, retail and corporate broking firm in
December, 1997. In November 1998, Angel Capital and Debt Market Ltd. gained membership of
National Stock Exchange as a legal entity The company opened its commodity broking Division
in April, 2004. In November 2007, Birla Sun Life Insurance joined hands with Angel Broking
for distribution of its insurance products.
The International Finance Corporation bought an 18% stake in Angel Broking for ₹152 crores
(equivalent to ₹369 crore or US$52 million in 2019) in December 2007. The company opened
an office in Karol Bagh, New Delhi in October 2012.

In January 2013, a probe found the company and two other entities involved in fraudulent and
unfair trade practices in transactions of shares of Sun Info ways during Feb-May 2001. As a
result, SEBI restrained from taking new clients for a period of two weeks. Angel filed an appeal
against the SEBI order which was dismissed by the Securities appellate tribunal. Angel Broking
began offered shares through an

initial public offering in September 2020, and was listed on the Bombay Stock Exchange and
the National Stock Exchange on 5 October 2020.

Company is one of the largest retail broking houses in India in terms of active clients on NSE as
of June 30, 2020 (Source: CRISIL Report). We are a technology-led financial services company
providing broking and advisory services, margin funding, loans against shares (through one of
our Subsidiaries, AFPL) and financial products distribution to our clients under the brand “Angel
One”. Our broking and allied services are offered through (i) our online and digital platforms,
and (ii) our network of over 11,000 Authorised Persons (the “Authorised Persons”), as of June
30, 2020. We have had more than 4.39 million downloads of our Angel One mobile application
and nearly 1 million downloads of our Angel BEE mobile application as of June 30, 2020, which
enable our clients to avail of our services digitally. Digital marketing has enabled our Company
to garner 398 million digital impressions in June 2020 on its various online and digital platforms.
Our customer outreach spans across approximately 96.87% or 18,649 pin codes in India as of
June 30, 2020. We manage 132,540 million in client assets and over 2.15 million operational
broking accounts as of June 30, 2020.

On 22 April 2021, Angel Broking appointed Silicon Valley veteran Narayan Gangadhar as its
new CEO. The Board of Angel Broking approved changing the company's brand identity to
appeal to Gen Z and millenial investors on 29 May 2021. The company officially began using
the new Angel One branding and logo on 3 August 2021, while its corporate legal name
continues to be Angel Broking Limited.
Angel Top Picks report provides a list of our best stocks to invest now, carefully selected from
within our well researched coverage. With clear price objectives and strong potential upsides,
you can base your portfolios on these picks to beat markets.

At the latest detailed reports on 150+ frontline stocks, with actionable investment
recommendations and high quality analysis that is the hallmark of our acclaimed research.
Company reports include result updates as well as detailed initiating coverage reports on new
ideas.

IPO research is critical as they often involve young companies with smaller track records being
offered when valuations are high. Find out which offer to subscribe and which to avoid with our
IPO reports, based on cutting edge analysis of the company's fundamentals and valuations.

This report arms you on a daily basis with key information that can shape the markets. It serves
as a ready reckoner to key indicators and calendar of important upcoming events and quarterly
results. The report also has a daily updated Stock Watch, carrying the latest investment
recommendations of 150+ stocks.

AWARDS

2009 - 'Broking House with Largest Distribution Network' Award and 'Best Retail Broking
House' Award at BSE IPF-D&B Equity Broking Awards.

2012 - BSE IPF-D&B Equity Broking Award for ‘Best Retail Broking House’.

2012-13 - Among BSE Top 10 Performers in Equity Segment (Retail Trading) FY 2012-13.

2013 - BSE-IPF D&B Equity Broking Award for ‘Broking House with Largest Distribution
Network’.

2013 - BSE-IPF D&B Equity Broking Award for 'Best Retail Equity Broking House'.

2013-14 - Awarded ‘Top Three Clients Traded Members in Equity’ by the BSE.

2014 - BSE-IPF D&B Equity Broking Award for ‘Broking House with Largest Distribution
Network’.

2014 - Global Marketing Excellence Award for 'Best Mobile trading application'.
2017 - MCX Commodity broker of the year award.

ANGEL BROKING VISION &MISSION

Our Vision

To provide the best value for money to investors through innovative products, investment
strategies, advanced technology, and personalized service.

Our Motto

To have complete harmony between quality in process and continuous improvement to deliver
exceptional service that will benefit our clients.

BOARD OF DIRECTORS

Mr. Dinesh D. Thakkar

CHAIRMAN AND MANAGING DIRECTOR

Mr. Uday Sankar Roy

INDEPENDENT DIRECTOR

Mr. Kamalji Sahay

INDEPENDENT DIRECTOR

Mr. Ketan Shah

WHOLE TIME DIRECTOR

Mr. Muralidharan Ramachandran

INDEPENDENT DIRECTOR

Mr. Krishna Iyer

NON-EXECUTIVE DIRECTOR
ANGEL BROKING PRODUCTS AND SERVICES

PRODUCTS

Angel Broking has products such as Angel Spark, Angel BEE mutual fund app, Angel SpeedPro,
Angel Trade and Angel Swift for online trading. Angel Eye is a browser trading application;
SpeedPro is a trading platform application; Angel Trade offers an online trading platform for
share investors; and Swift is a trading app for small devices.

Equity

Investing in shares or stock market is inarguably the best route to long-term wealth
accumulation.

Commodities

Commodities market has emerged as a new avenue for investors to create wealth.

Derivatives

The derivative segment is a highly lucrative market that gives investors an opportunity to earn
superlative profits.

Currency Trading

The forex market offers unmatched potential for profitable trading in any market condition or
any stage of the business cycle.

SERVICES

Portfolio Management
Customized solutions to meet your investment goals in the current market scenario.

Investment Advisory

Professional and expert advice that help you get superior returns, minimizes risk and diversifies
your portfolio.

Intraday Trading

Avail the benefit of buying and selling stocks on the same day instead of waiting for 2 days.

Trading Account

Using a trading account, trade or invest in stock markets with a unique identification number.

Portfolio Health Score

PHS Powered by ARQ will help you diagnose the health of your portfolio and construct and
manage your ideal portfolio.

IPO

With Angel One, you can apply for and invest in any IPO (Initial Public Offering is the first sale
of equity shares of a company).

Loan Against Shares

Meet immediate money requirements not by selling your securities but by getting hassle-free
loans against them.

DEMAT Account

Conveniently buy, sell as well as transact stocks without any paperwork.

 CHAPTER-4

DATA ANALYTICS & INTERPRETATIONS

 1.What type of gender are respondent in mutual fund investment?

Respondents Response Percentage

Male 38 38%

Female 48 48%

Trance Gender 14 14%

Total 100 100%

Percentage

male
female
Prefer not to say

INTERPRETATION: From the above analysis, the number of respondents is responded for Male
38%, females 48%, and Trance gender 14%.

Therefore, the above analysis observed that the gender of respondence highest is female highest
48%
 2. What age group of investors are invested in mutual funds?

Respondents Response Percentage

less than 25 11 22%

between 25 to 35 10 20%

between 35 to 45 8 16%

between 45 to 55 12 24%

greater than 60 9 18%

Total 50 100%

Percentage
less than 25
between 25 to 35
between 35 to 45
between 45 to 55
greater than 60
 INTERPRETATION: From the above analysis, the number of respondents is responded is less
than 25, 22%, between 25 to 35 are 20%, between 35 to 45 are 16%, between 45 to 55 are 24%,
greater than 60, 18%

Therefore, the above analysis observed that the AGE of respondents highest are between 45 to
55, 24%

3. What about mutual funds?

Respondents Response Percentage

Peers 9 18%

mutual fund advisor 12 24%

Family 14 28%

newspapers/ online sites 15 30%

Total 50 100%

Percentage

peers
mutual fund advisor
family
newspapers/ online sites
INTERPRETATION: From the above analysis, the number of respondents is responded are Peers
18%, mutual fund advisors 24%, families 28%, newspapers/ online sites 30%

Therefore, the above analysis observed that Know about mutual funds is among respondents
highest are newspapers/ online sites at 30%

4 .What are the good investments?

Respondents Response Percentage

Equity 18 36%

Debt 11 22%

Hybrid 21 42%

Total 50 100%

Percentage

Equity
debt
hybrid
INTERPRETATION: From the above analysis, the number of respondents is responded are Equity
6%, Debt22%, and Hybrid42%.

Therefore, the above analysis observed that the good investment of respondents highest in
Hybrid42%

5.What are the parameters while investing?

Respondents Response Percentage

Returns 15 30%

credit rating 16 32%

Inflation 10 20%

low-risk factor 9 18%

Total 50 100%

Percentage

returns
credit rating
inflation
low risk factor
From the above analysis, the number of respondents is responded are Returns 30%, credit rating
32%, Inflation20%, and low risk factor18%.

Therefore, the above analysis observed that in parameters while investings

Test Hypothesis

H0:

There is no significance relation between investment pattern and customer perception

towards mutual funds.

Investment Pattern percentage Customer percentage

perception
capital protection 28% Returns 30%
from inflation
Income generation 22% Credit rating 32%
combination of 24% inflation 20%
income and capital
appreciation
Capital appreciation 26% Low risk factor 18%
 Chart Title
90%
60%
30%
0%

Investment pattern customer perception

Chart Title
70
60
50
40
30
20
10
0
returns credit rating inflation low risk factor

customer perception investment pattern

H01:

There is no significance difference between investment pattern and customer

perception is the investment average is 26% and commodity investment avenues is
18%.

The difference between investment pattern and customer perception is 8%.

So null (H01) hypothesis is rejected.

Alternative Hypothesis

H01:
There is significance difference between investment pattern and customer
perception is the investment average is 26% and customer perception is 18%.

The difference between investment pattern and customer perception is 8%.

So alternative hypothesis (H01) hypothesis is accepted.

 CHAPTER-5
FINDINGS, SUGGESTIONS & CONCLUSIONS
FINDINGS
1. Contrary to the research findings, forty percent of respondents who offered constructive
advice expressed disagreement.

2. The portion of respondents who strongly dislike is the largest in the pie chart that can be seen
above, followed by the portion of respondents who feel they would disagree with an electronic
format.

3. According to the following pie chart, the response most often is "disagree," followed by
"neither agree nor disagree."

4. According to the pie chart, the response that received the greatest percentage is "neither
agreeing nor disagreeing," while the response that received the second-highest percentage is
"disagreeing."

5. Examine and contrast the five thirty percent of respondents who sent their responses through
newspapers or the internet.

6. The study mentioned above found that 56 percent of respondents believed that the advice for
reinvestment should not be followed.

7. A lower incidence of the danger

8. Enhanced profits and financial investments

SUGGESTIONS
1. You can choose a higher amount guaranteed, in addition to most investment
opportunities, thanks to mutual funds. This is possible despite uncertain environmental
circumstances beyond your control or even as a result of fluctuations in the flow of
income into your household.
2. Two liquid components
3. Because of these two considerations, investors have no choice but to put their money into
mutual funds.
4. 4 Potentially attractive to new investors are tax breaks.
5. The shareholders of the mutual funds get access to a variety of market-linked investment
capital customized to meet their individual needs in terms of risk tolerance and financial
criteria. Mutual funds provide investors an alternative to the practice of acquiring their
own money by offering a balanced portfolio, equities as capital, or fixed income
securities.
CONCLUSIONS
The number of people working in the financial industry and the total value of assets invested in
shared assets are relatively low. Financial experts tend to see investments in shared assets as ones
that carry a high level of risk but provide a poor rate of return. There are very few tax benefits
available, and even fewer individuals have a working knowledge of the legal processes, although
its Liquidity is believed to be large. The ideas for shared holds are evaluated by theorists for their
potential for adventure based on their design, magnitude, execution, status, and master power. In
addition, financial experts predict spectacular laws, outstanding counsel, and a strong instrument
for general store associations to use when making complaints. The vast majority of people
considered to be finance experts have made investments in growth, income, and balanced shared
hold plans.

Even while mutual funds are less predictable than a ledger, they are much more successful,
particularly financially preparing for the long run.

The mutual fund sector, which had previously progressed through four phases tied to one
another, got more difficult when deregulation occurred. This was true regarding the number of
participants, plans, and funds that were prepared. The introduction of open sector banks and
insurance firms into the mutual store market was unsuccessful in meeting the demands of
financial experts. Although the mutual store market already had a strong clientele, which
attracted many speculators. Competition increased due to entering private and external rivals into
the mutual store sector. Consequently, the industry was subsequently created in all aspects and
became a worldwide
QUESTIONNAIRE:

1. What about mutual funds?

a. peers b. mutual fund advisor c. family d. newspaper/ online sites

2. What amount to be invested in mutual funds?

a.<25000 b. >25000 c. <100000 d.>100000

3. What are the good investments?

a. Equity b. Debt c. Hybrid

4.What are the parameters while investing?

a. Returns b. Credit rating c. inflation d. low-risk factor

5. What type of gender are respondents in mutual fund investment?

a. male b. female c. trance gender

6. What age group of investors are invested in mutual funds?

a. less than 25 b. between 25 to 35 c. between 35 to 45 d. between 45 to 55 e. greater than 60

REFERENCES
BOOKS
1. David F, Swensen. 2005. Unconventional Success. A fundamental Approach to Personal
Investment Free Press 416
2. D.C. Anjaria. Dhaivat Anjaria. 2001 AMFI’s Mutual Fund Testing Programme.
3. Investment management: V.A. AVADHANI, Fourth Edition, 2000, Himalaya
publications, Hyderabad.
4. Mutual funds in india: S. KRISHNA MURTHY, Second Edition, Chandra Bose
Calcutta.

WEBSITES

1.www.anandratisecurities.com
2. www.icicidirect.com
3. www.mutualfundsindia.com
4. www.nseindia.com
5.www.bseindia.com
6.www.scribd.com