POWER OF SAVINGS

A fixed notional amount of Rs.1000 per month since December 2005 till December 2017 is
invested in Equity shares (Infosys and Reliance Power), Mutual fund (HDFC Prudence),
Bank Fixed Deposits (SBI), Gold and Foreign currency (USD against INR).The annual
average absolute returns are calculated to identify the most beneficial investment scheme.

S T O C K P R IC E
INFOSYS – EQUITY SHARE
1200 RELIANCE POWER LIMITED – EQUITY SHARE
250.00
1000
200.00
800
STOCK PRICE

150.00
600
100.00
400
50.00
200
0.00
0 11/02/ 01/12/ 01/12/ 01/12/ 01/12/ 03/12/ 02/12/ 01/12/ 01/12/ 01/12/ 01/12/
00
5
0 0 6 0 0 7 0 0 8 0 0 9 0 1 0 0 1 1 01 2 0 1 3 0 1 4 0 1 5 0 1 6 0 1 7 2008 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017
2 /2 2 /2 2 /2 2 /2 2 /2 2 /2 2 /2 2 /2 2 /2 2 /2 2 /2 2 /2 2 /2
/1 /1 /1 /1 /1 /1 /1 /1 /1 /1 /1 /1 /1
01 01 03 01 01 01 01 YEAR 03 02 01 01 01 01 SINCE FEB 2008
YEAR

Total No of Shares bought 234.85 Total No of Shares bought 2,150.20

Market price as on Market price as on
04-12-2017 ₹ 986.00 04-12-2017 ₹ 36.65
Total Value of investments ₹ 2,31,563.79 Total Value of investments ₹ 78,804.67
Total amount invested ₹ 1,45,000.00 Total amount invested ₹ 1,19,000.00
Absolute returns ₹ 86,563.79 Absolute returns ₹ -40,195.33
Absolute Returns % 59.70% Absolute Returns % -33.78%
Average Absolute returns % 4.97% Average Absolute returns % -2.81%

FD Interest rate at Rate of 10g at

SBI – FD INTEREST RATES

10.00
8.00
INTEREST RATES

6.00
4.00
2.00
-
0 5 0 6 0 7 0 8 0 9 1 0 1 1 1 2 1 3 1 4 1 5 1 6 1 7
20 20 20 20 20 20 20 20 20 20 20 20 20
1 2. 1 2. 1 2. 1 2. 1 2. 1 2. 1 2. 1 2. 1 2. 1 2. 1 2. 1 2. 1 2.
0 1. 0 1. 0 1. 0 1. 0 1. 0 1. 0 1. 0 1. 0 1. 0 1. 0 1. 0 1. 0 1.

YEAR

Initial Amount Invested ₹ 1,000.00 Total Gold bought (in grams) 80.56
Interest rate as on 04-12-2017 6.25% Rate of 10g Gold as on 04-12-2017 ₹ 29,025.00
Maturity amount as on Rate of 1g Gold as on 04-12-2017 ₹ 2,902.50
04-12-2017 ₹ 2,38,540.75 Total Value of investments ₹ 2,33,829.53
Total amount invested ₹ 1,45,000.00 Total amount invested ₹ 1,45,000.00
Absolute returns ₹ 93,540.75 Absolute returns ₹ 88,829.53
Absolute Returns % 64.51% Absolute Returns % 61.26%
Average Absolute returns % 5.38% Average Absolute Returns % 5.11%

POWER OF SAVINGS
Akshay Sharma | Archanaa M | Monisa A | Ravi Baroliya | Saurav Chowdhury

FINANCIAL MARKETS– Prof. Rajnikant Trivedi

 IN R A G A IN S T U S D USD against INR

BSE SENSEX
35000
30000
FOREIGN EXCHANGE – US DOLLARS
80 25000
70 20000

BSE PRICE
60
50 15000
40 10000
30
5000
20
10 0
0
0 0 5 0 0 6 0 0 7 0 0 8 0 0 9 0 1 0 0 1 1 0 1 2 0 1 3 01 4 0 1 5 0 1 6 01 7
01/12 01/12 03/12 01/12 01/12 01/12 01/12 03/12 02/12 01/12 01/12 01/12 01/12 /2 /2
/2005 /2006 /2007 /2008 /2009 /2010 /2011 /2012 /2013 /2014 /2015 /2016 /2017 2 2 2 /2 2 /2 2 /2 2 /2 2 /2 2 /2 2 /2 2 /2 2 /2 2 /2 2 /2
/1 /1 /1 /1 /1 /1 /1 /1 /1 /1 /1 /1 /1
01 01 03 01 01 01 01 03 02 01 01 01 01
YEAR YEAR

Total No of USD bought $ 2,806.11 Total No of Units bought 8.20

INR value of 1 USD as on Price of BSE Sensex as on
07-12-17 ₹ 64.53 04-12-17 ₹ 32,869.71
Total Value of investments ₹ 1,81,078.56 Total Value of investments ₹ 2,69,374.66
Total amount invested ₹ 1,45,000.00 Total amount invested ₹ 1,45,000.00
Absolute returns ₹ 36,078.56 Absolute returns ₹ 1,24,374.66
Absolute Returns % 24.88% Absolute Returns % 85.78%
Average Absolute Returns % 2.07% Average Absolute returns % 7.15%

COMPARATIVE ANALYSIS

HDFC - PRUDENCE FUND Percentage of

600.00 Percentage of Average
Absolute Absolute Absolute
500.00
Returns Returns returns
NAV (Net Asset Value)

400.00
Infosys ₹ 86,563 59.70% 4.97%
300.00
Reliance Power ₹ -40,195 -33.78% -2.81%
200.00
SBI ₹ 93,540 64.51% 5.38%
100.00
HDFC - MF ₹ 2,61,743 180.51% 15.04%
-
0 0 5 0 0 6 0 0 7 0 0 8 0 0 9 0 1 0 01 1 0 1 2 0 1 3 0 1 4 0 1 5 0 1 6 0 1 7 GOLD ₹ 88,829 61.26% 5.11%
2 2 2 2 2 2 2 2 2 2 2 2 2
1 2/ 1 2/ 1 2/ 1 2/ 1 2/ 1 2/ 1 2/ 1 2/ 1 2/ 1 2/ 1 2/ 1 2/ 1 2/
01
/
01
/
03
/
01
/
01
/
01
/
01
/
03
/
02
/
01
/
01
/
01
/
01
/ BSE Sensex ₹ 1,24,374 85.78% 7.15%
YEAR
Forex - USD ₹ 36,078 24.88% 2.07%
Percentage of Absolute Returns
Total No of Units bought 793.18 200.00%
180.51%
NAV as on 15-12-2017 ₹ 512.80
150.00%
Total Value of investments ₹ 4,06,743.64
Total amount invested ₹ 1,45,000.00 100.00% 85.78%
59.70% 64.51% 61.26%
Absolute returns ₹ 2,61,743.64 50.00%
24.88%
RELIANC
Absolute Returns % 180.51% 0.00%
E POWER
INFOSYS SBI GOLD BSE FOREX HDFC - MF
Average Absolute returns % 15.04% SENSEX
-50.00% -33.78% USD

INFERENCE
Comparing the percentage of annual average absolute returns of all the above, the returns through mutual
funds is higher and more beneficial for investment. It is practically possible to invest an amount as low as
possible of Rs.1000 per month to create a long term wealth.

POWER OF SAVINGS
Akshay Sharma | Archanaa M | Monisa A | Ravi Baroliya | Saurav Chowdhury

FINANCIAL MARKETS– Prof. Rajnikant Trivedi