Mutual fund as an Investment option; A

comparative study between Mutual fund

and Fixed deposit.

Faculty Guide Presented By-

Ms. Prerna Garg Amrita
Section-B
Roll No-1811670015
 CONTENT IN LIGHT

• Executive Summary
• About the Industry
• About the Company
• Introduction of Topic
• Objectives of Research
• Research Methodology
• Data Analysis
• Major Findings
• Conclusion
• Recommendations
 EXECUTIVE SUMMARY

Primary investment objective of any individual or organization is to

maximize the returns and minimize the market risk.
In this report a comparative study is done between the mutual fund and
fixed deposit to know their risk and returns.
This project report is a finance project which tries to explain about the
history, growth, pros and cons of investing in mutual fund or in FD.
We also gave suggestion to the investors, to invest their money on
mutual fund or fixed deposit which provide good return.
 ABOUT THE INDUSTRY

Financial services are an increasingly influential sector of the modern

economy.
Financial services refers to a broad range of more specific activities
such as banking, investing, and insurance.
Financial services is limited to the activity of financial services firms
and their professionals while financial products are the actual goods,
accounts, or investments they provide.
 ABOUT THE COMPANY

Company Name INDIAN INFOLINE

Date of 18 OCTOBER 1995

Incorporation

Directors Mr. Normal Jain

Mr.R.Venketraman

Headquarter Mumbai
 CONT.

IIFL Holdings Limited is an Indian financial services company which is

headquartered in Mumbai, India. The organization was founded on
October 18, 1995 by Nirmal Jain and R. Venkatraman.
 The company was founded as Probity Research and Services Private
Limited which provided research on the Indian economy, businesses and
corporate.
Vision To become the most respected company in the financial
services space in India.
India info line (IIFL) is the brokerage firm of India info line group, a
fastest growing financial services solution provider in India
 CONT.

 It is listed on BSE (532636) and NSE (indiainfo) for securities trading.

It offers a entire range of financial products including stocks,
derivatives, commodities, insurance, fd's, loans, bonds etc.
IIFL has a wide network of 4000+ branches spread over 900+ cities across
India.
IIFL won the 'Best Broker With Global Presence' award at the BSE IPF-
D&B equity broking awards 2012.
 SWOT ANALYSIS
Strength
Wide range of financial products.
Successful implementation of
“insurance broking” model
Have over 2500 offices in India in
over 500 cities
Opportunity
High income Urban families
More penetration into the growing
cities
Weakness
High risk exposure as seen by
conservative population
Less emphasis on advertising
causes lack of brand visibility
Threat
Stringent Economic measures by
Government and RBI
Entry of foreign finance firms in
Indian Market
 INTRODUCTION TO TOPIC

A Mutual Fund is promoted by a sponsor and run

by a trust that pools the savings of a number of
retail investors who share a common financial
goal.
Mutual Fund offers diversified, professionally
managed portfolio at a relatively low cost.
A Fixed Deposit is a financial instrument
provided by banks or NBFCs which provides
investors a higher rate of interest than regular
savings account, until the given maturity date. It
may or may not require the creation of a
separate account.
 OBJECTIVES OF RESEARCH

 To gain knowledge about various investment decision available in the

market.

To understand nature of mutual fund.

To examine customer perceptions toward mutual fund.

To examine difference in customer preference for mutual fund and fixed
deposits.
 RESEARCH METHODOLOGY
Sampling Technique: Random sampling of Individuals
Sampling Area:
Sample Size: 60
Tool: Questionnaire
Data: Primary & Secondary
DATA ANALYSIS
MAJOR FINDINGS
 CONCLUSION

Mutual funds seems to be very much inflation adjusted returns whereas

FDs don't come with inflation adjustment guarantees.
 With respect to capital appreciation mutual funds are better than fixed
deposits.
 In terms of liquidity, these days both fixed deposits and mutual funds
are almost same.
Fixed deposits are less risk compare to mutual funds.
Mutual fund gives more tax benefit as compare to fixed deposit.
Mutual funds performs well than FD s in all the aspects but tremendous
awareness need to create among investors .
 RECOMMENDATIONS

Be aware that investment in any securities whether in mutual fund or

fixed deposit, involves a certain risk. Analyze the risk with the financial
backups and then choose an investment option.
Make a good study before choosing an investment option.
 REFERENCES

Investopedia.com
Wikipedia.com
Google.com
IIFL.com
THANK YOU!