MIT College of Management (MITCOM), Pune

A PROJECT REPORT ON
VARIOUS FUNDS ANALYSIS OF

SUBMITTED TO MAEER’s MIT COLLEGE OF MANAGEMENT (MITCOM)

BY MANOJ KUMAR MISHRA Roll No.198, FINANCE Batch No.1

IN PARTIAL FULFILLMENT OF POST GRADUATE PROGRAM (PGP) JUNE-JULY, 2008-09

5 1.7 1. Iv v vi vii ix ix xi xi xii xiii 1-27 2 2 5 12 13 14 14 16 28-31 29 29 30 Declaration from student Certificate from Company/Organization Certificate from Guide Acknowledgement Chapter Scheme List of Tables List of Charts List of Graph List if Abbreviations Executive Summary I 1.8 II 2.4 1.1 2.6 1.MAEER’s MIT COLLEGE OF MANAGEMENT (MITCOM) PUNE Table of C O N T E N T S Chapter No.3 1.1.1 1. Title Page No.1.1.2 2.2 1.3 INTRODUCTION BACKGROUND OF THE STUDY BACKGROUND OF THE TOPIC COMPANY PROFILE STATEMENT OF THE PROBLEM NEED OF THE STUDY SCOPE OF THE STUDY OBJECTIVE OF THE STUDY VARIOUS FUNDS INFORMATION RESEARCH METHODOLOGY MEANING OF THE RESEACRH METHODOLOGY RESEARCH DESIGN TYPE OF RESEARCH DESIGN ii .

1.1 4.2.1 A3.1.5B III A A3.2 V VI SAMPLING DESIGN DATA COLLECTION TECHNIQUE COLLECTING PRIMARY DATA THROUGH INTERVIEW METHOD COLLECTING SECONDARY DATA DATA PROCESSING AND ANALYSIS INVESTORS ANALYSIS ANALYSIS OF DATA FOR AGE GROUP ANALYSIS OF DATA FOR INCOME GROUP PERCENTAGE OF SAVING OF INCOME CURRENT INVESTMENT PATTERN ANALYSIS SOME MORE QUESTIONNAIRE VARIOUS FUNDS ANALYSIS OF THE CANARA ROBECO FINDINGS FINDING OF THE PROJECT LIMITATION OF THE PROJECT CONCLUSIONS RECOMMENDATIONS BIBLIOGRAPHY ANNEXURE 30 31 31 31 32-59 33 33 34 35 36 37 46 60-62 61 62 63 66 69 71 iii .5A 2.1.2 A3.5 2.5 B IV 4.4 2.4 A3.3 A3.1.

Manoj Kumar Mishra Date iv . Mr.DECLARATION I. 10th June’ 08 to 30th July’ 08 and has not been submitted to any other University or Institute for the award of any degree / diploma Signature Name of the student. /Ms _____ _Manoj Kumar Mishra____________________________________ hereby declare that this project report is the record of authentic work carried out by me during the period from etc.

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Dilip Khapre (Executive. encouragement and help. I convey my sincere thanks to him. viii . I am also grateful to him for reposing confidence in my abilities and giving me the freedom to work on my project. During the actual project work. A successful project can never be prepared by the single effort of the person to whom project is assigned. Canara Bank) and Mr. I also take this opportunity to thank all those people that made this experience a memorable one.Chandan Verma .I take immense pleasure in completing this project and submitting the final project report. In spite of his busy schedule he always find time to guide me through the project. Pune I would first of all like to express my gratitude to Mr. The project couldn’t have been completed without timely and vital help of other office staff. The day at CANARA ROBECO ASSET MANAGEMENT COMPANY has been full of learning and sense of contribution toward the organization. I would like to thank for the same for giving me an opportunity of learning and contributing through this project. but it also demand the help and guardianship of some conversant person who helped the undersigned actively or passively in the completion of successful project. Abhijeet Kumar has been a source of inspiration through his constant guidance. Assistant Manager. Mr. personal interest. Nagpur. In this context as a student of MIT School of Management. for assigning me such a worthwhile topic “Various Fund Analysis of Canara Robeco” to work upon in CANARA ROBECO ASSET MANAGEMENT COMPANY.

12 Canara Robeco Multicap Canara Robeco Nifty Index Page No 15 16 17 18 19 20 21 22 23 24 25 26 27 46 48 Portfolio Statements Table (PST) PST 3.10 Canara Robeco Liquid 1.1 Canara Robeco Balance 1.Chapters Scheme Chapter No 1 2 3 4 5 6 Title INTRODUCTION RESEARCH METHODOLOGY DATA PROCESS AND ANALYSIS FINDINGS CONCLUSION RECOMMENDATION Page No 1 28 32 60 63 66 List of Tables S.7 Canara Robeco GILT PGS 1.5 Canara Robeco Equity Tax Saver 1.6 Canara Robeco Floating Rate 1.2 Canara Robeco CIGO ix .9 Canara Robeco Liquid Plus 1.3 Canara Robeco Emerging Equities 1. No Title A Product Table Fund Information Table 1.8 Canara Robeco Infrastructure 1.11 1.2 Canara Robeco CIGO 1.4 Canara Robeco Equity Diversified 1.1 Canara Robeco Balance PST 3.

8 PST 3.10 PST 3.4 PST 3.5 SIB 3.1 SIB 3.5 PST 3.4 SIB 3.No Investors Analysis Chart(IAC) Title Page No x .2 SIB 3.9 PST 3.3 PST 3.6 SIB 3.8 Canara Robeco Balance Canara Robeco CIGO Canara Robeco Emerging Equities Canara Robeco Equity Diversified Canara Robeco Equity Tax Saver Canara Robeco Infrastructure Canara Robeco Multicap Canara Robeco NIFTY Index 47 48 50 51 53 54 57 59 List of Charts S.11 Canara Robeco Emerging Equities Canara Robeco Equity Diversified Canara Robeco Equity Tax Saver Canara Robeco Floating Rate Canara Robeco Infrastructure Canara Robeco Liquid Plus Canara Robeco Liquid Canara Robeco Multicap Canara Robeco Nifty Index 49 51 52 54 54 56 56 57 58 Sectorial Investment Breakup(SIB) SIB 3.3 SIB 3.7 PST 3.6 PST 3.7 SIB 3.PST 3.

11 Reason for not using Financial Advisor List of Abbreviations Abbreviation NAV ULIP MMI SIP AMC AUM CIGO GIC Net Asset Value Unit Linked Insurance Plan Money Market Instruments Systematic Investment Plan Asset Management Company Asset Under Management Compound Interest Growth Opportunities General Insurance Company Full Form xi .7 Source of Purchasing MFs GRT 3.5 FAC 3.10 Reason to have Financial Advisor GRT 3.2 Income Distribution GRT 3.5 Reasons Against MFs Investment 38 GRT 3.9 Financial Advisor Expertise Demanded Most GRT 3.8 Mutual Funds Awareness Investors Opinion About Investment Stage Availing Personal Advisor Asset Composition of Canara Robeco Balance Asset Composition of Canara Robeco CIGO Asset Composition of Canara Robeco Emerging Equities Asset Composition of Canara Robeco Equity Diversified Asset Composition Canara Robeco Tax Saver Asset Composition of Canara Robeco Infrastructure Asset Composition of Canara Robeco Multicap Asset Composition of Canara Robeco Nifty Index 37 42 43 47 49 50 52 53 55 58 59 Fund Analysis Chart(FAC) List of Graph S.6 FAC 3.3 FAC 3.2 IAC 3.7 FAC 3.3 FAC 3.4 FAC 3. No Title Page No 33 34 35 36 38 39 40 41 44 45 46 Graphical Representation(GRT) of Findings GRT 3.3 Saving Pattern 35 GRT 3.1 FAC 3.IAC 3.1 Age Group GRT 3.4 Investment Pattern 36 GRT 3.2 FAC 3.1 IAC3.8 Investors Most Liked MFs Features GRT 3.6 Investors Awareness About MFs Scheme GRT 3.

SEBI BOB CRISIL CRMF FIIs FDI MFs MFI FIs ELSS IPO PPF NSC POP Stock Exchange Board of India Bank of Baroda Credit Rating Information System of India Limited Canara Robeco Mutual Funds Foreign Institutional Investors Foreign Direct Investment Mutual Funds Mutual Fund Industry Financial Institutions Equity Linked Saving Scheme Initial Public Offering People Provident Fund National Saving Certificate Point of Purchase xii .

The project titled “Fund Analysis of Canara Robeco” is being carried out at CANARA ROBECO ASSET MANAGEMENT COMPANY. it is being observed that markets are doing well in Mutual fund. According to the study of the markets. In this project the great emphasis is given to the investor’s mind in respect to investment in Mutual Fund .The needs and wants of the client is taken into consideration. CANARA ROBECO ASSET MANAGEMENT COMPANY operates in various financial products and services like Stock Broking and Mutual Fund. Now a day’s investment of saving has assumed great importance. In near future a proper financial planning is required to invest money in all type of financial product because there is good potential in market to invest. which is best seen in customer rise. The main objective of this project is to know the Awareness of Mutual Fund among investors and also to know the investing pattern of people in different Financial xiii . The evaluation of financial planning has been increased through decades. NAGPUR.

The experience from a country like US indicates that the growth of MFI has increased the potential for creating systematic volatility. They have lacked in systematic evaluations of investors requirements. investing through Mutual funds is relatively safe way. ULIPs plan of Insurance industry is creating challenge for Mutual Fund Industry. Presently when market has become very choppy and is full of uncertainties.Project. Apart from industry initiatives. Mutual Funds are one of the safe ways to invest. Various studies on risk analysis of MFs have shown that many schemes are characterized by high risk. All of them are trying to attract more and more investors and for the same they are customizing their funds in order to suit their needs. After analyzing the feedback the conclusion has been made that the Indian financial market is having lots of potential customer the only thing is to give a proper guidance to the prospective customers. MFs had been able to inspire confidence among investors. high and middle income groups’ only. and better services. There is intense competition amongst Mutual Funds of different companies. Every investor has their own financial situation and financial temperament with varied degree of risk tolerance level. Many MFs are sponsored by public sector banks and FIs and so investors are assumed of some security in their investments. They are yet to penetrate the rural areas in a big way. particularly for retail investors. market regulator and Government are playing their pivotal role. recently Goldman Sachs has got the approval to start their own business of asset management. better processes. MFs are popular mainly with the urban. xiv . which are often seen as momentum chasers rather that true professional investment managers. they have become a kind of trading instruments rather than investment vehicles. There have been frequent miscalculations of returns and premature closure of schemes by them. this is changing. However with the proliferation of MFs. They do not have a good set-up to reach the retail investors and to collect money from small towns. In the same race. Many investors have low opinion about the investment efficiency of MFs. The MF business is highly concentrated fund-wise and scheme-wise. The regulations of MFs will have to be undertaken not only for eliminating abuses and frauds but also for shielding the whole financial system from “the collapse of confidence in MFs” The Indian MFI has not performed well in gaining the small individual investors confidence and trust by offering better products.

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