Sie sind auf Seite 1von 41

Unit Trust of India

Prepared by: Supervised by:


Ms. Priyanka
Mittal
Gaurav Goel MBA 4507/08

Khushboo Kumari MBA 4511/08

Prerna Srivastava MBA 4514/08

Amresh Kr.Thakur MBA4529/08


An early & regular investment
Deepak Gupta MBA4550/08 today, leads to prosperous
tomorrow
Diksha Mehtani MBA 4565/08
What is Mutual Fund?
A Mutual Fund is a trust that pools the savings of
a number of investors who share a common
financial goal.

Or a mutual fund is a professionally-managed


firm of collective investments that pools money
from many investors and invests it in stocks,
bonds, short-term money market instruments,
and/or other securities.

The SEBI regulations, 1993 defines a mutual


fund as “a fund in the form of a trust by a
sponsor, to raise money by the trustees trough
the sale of units to the public, under one or more
schemes, for investing in securities in
EMERGENCE OF MUTUAL FUND
IN INDIA
ØMutual funds in India began in
1964
ØUnit Trust of India (UTI) was the
first
ØRemains the market leader even
today
ØHaving about 68% of the market
share
ØLost monopoly in 1987
ØWith entry of public sector mutual
funds
ØPromoted by public sector banks
and insurance companies
ØIndustry was open to foreign
FIRST PHASE-1964-87
ØUnit trust of India was established on 1963 by
an Act of Parliament.

ØThe first scheme launched by UTI was unit


Scheme in 1964

ØIn 1978, UTI was de-linked from the RBI and


IDBI took over the regulatory and
administrative control in place of RBI

ØAt the end of 1988 UTI had Rs,6700 crores of


assets under management.
SECOND PHASE -1987-1993
ØSBI Mutual fund was the first followed by Can
bank Mutual Fund (Dec1987)

ØPnB Mutual Fund (Aug 1989)

ØBank of India(Jun1990),LIC in 1989 and GIC in


1990

ØBank of Baroda Mutual Fund (Oct 1992)

ØThe end of 1993 marked Rs.47004 a assets


under management
Third Phase-1993-2003 Entry of Pvt.
Sector Funds

ØA new era started in the Indian mutual fund


industry, with the entry of pvt sector funds from
1993

ØThe erstwhile Kothari Pioneer(now emerged with


Franklin Templeton ) was the first pvt sector mf
registered in July 1993.

ØAt the end of January 2003,there were 33 mutual


fund with total assets of Rs.121805 crores.
Fourth Phase-since Feb 2003
ØThis phase had bitter experience of UTI. It was
bifurcated into two separate entities. One is the
specified Undertaking of the UTI of Rs.29835
crores.

ØThe 2nd is UTI Mutual Fund Ltd, sponsored by SBI,


PnB, BOB, LIC

ØWith the bifurcation of the erstwhile UTI which


had in March 2000 more than Rs.76000crores and
the setting up a UTI mutual fund
MUTUAL FUND OPERATION FLOW
CHART
IMPORTANCE OF MUTUAL
FUND
 
ØChannelizing savings for investment

ØOffering wide portfolio investment

ØProviding better yields

ØRendering expertise investment service at low cost

ØProviding research service

ØOffering tax benefits

ØDiversification
DRAWBACKS OF MUTUAL
FUNDS
 

ØNo Guarantees

ØFees and commissions

ØTaxes

ØManagement risk
RISKS ASSOCIATED WITH
MUTUAL FUNDS

Ømarket risk

Øpolitical risk

Øinflation risk

Øbusiness risk

Øeconomic risk
UNIT TRUST OF INDIA (UTI)
VISION  
To be the most Preferred Mutual Fund.

OUR MISSION IS TO MAKE UTI MUTUAL FUND:


The most trusted brand, admired by all stakeholders
• The largest and most efficient money manager with global presen
• The best in class customer service provider
• The most preferred employer
• The most innovative and best wealth creator
• A socially responsible organization known for best corporate
governance.

REGISTERED OFFICE:
UTI Tower, Gn Block, Bandra - Kurla Complex, Bandra
(East), Mumbai - 400 051.
UTI Mutual Fund
• First Mutual Fund company in India
• One of the largest Mutual Funds in the
country
• Assets under Management: Rs. 56,854 Crs.
60
56.8
5
50
45.0
40 39.0 0
35.4 3
29.5 9
30
2
20.6 20.7
20 2 4
10

0
Mar 2005 Mar 2006 Mar 2007 Mar 'Jun Sep200 'Dec
2008 200 8 200
8 8
UTI Mutual Fund
ØWide Range of Schemes for all Needs

Ø 71 domestic schemes under Various Fund


categories
ØDomestic Schemes & Offshore Schemes to cater
to whole gamut of your investment needs
Ø 80 UTI Financial Centre's (as on Nov 26, ‘07)
ØInternational Representative offices at London, Dubai & Bahrain
Ø Strategic Marketing tie-up with 22 PSU Banks,
select Private Banks & India Post across the
country
Systematic Investing, Builds
Future
ØA Systematic Investment Plan (SIP) is a
disciplined approach to wealth creation. It
allows the investor to adopt a systematic and
dedicated approach to financial planning by
Øinculcating a regular savings habit.
Instead of investing a large amount at one time,
the investor can choose to stagger his
investment at regular intervals according to his
Ø convenience and
As individuals, ability
our financial goals like obtaining
income to meet day- to-day financial needs,
saving for child’s education, marriage or for a
comfortable retirement & a secure financial
future can be met by means of a regular SIP
BENEFITS OF SYSTEMATIC
INVESTING - TO THE
INVESTOR
Rupee Cost Averaging

Mr. A's SIP Investment would have accumulated to approximately 4,383.20 units,
where as B's lump sum investment would have acquired only 4,235.30 units
Benefits of Systematic Investing - To the
Investor

The Power of Compounding


ØAn early investor accumulates more than the
one who comes in later
ØWith fresh capital being invested at periodic
intervals, the accumulated investment increases

Rs. 1,000/- invested per


month
Start Early

•X starts investing at the age Early Investment, Always


of 30
yrs Pays
•He invests Rs. 1000 every
month till of 60
the age
yrs Investment: Rs. 3.60
•Total
lacs 22.6
2
•Y starts investing at the age
of
yrs40 11.3
•He invests Rs. 1500 every month 9
till the age of 60 yrs
X Y
•Total Investment: Rs. 3.60
lacs @ 10% assumed rate of
growth

• At age 60, X’s investment would have appreciated to


Rs. 22.62 L & Y’s investment would have appreciated to
Rs. 11.39 L • X’s investment would have appreciated to
almost double that of Y
Benefits
Convenience
ØRegular small & manageable outflows
each month. UTI SIP can be started with
as low as Rs. 1000 p.m.

ØHassle-free mode of deduction through


salary payments

ØTake advantage of equity markets


through limited
ØProfessional financial advice from AMFI
Øparticipation
certified thereby
advisors minimizing
ƒ Automatic the of
mode
risk
savings
UTI-Banking Sector Fund Growth
Objective : To provide capital appreciation through investments in the stock
the companies/institutions engaged in the banking and financial services
activities.

Fund Type: Open-Ended Equity fund


Investment Plan: Growth
Asset Size (Rs cr.): 110.89 (Jul-31-2009)
Face Value (Rs/Unit): Rs. 10
Minimum Investment: Rs.5000
Launch Date: Apr 07, 2004
Benchmark: BSE Bankex
Entry Load : Nil for investments made after 10.10.2004 and amount >=R
crore., Entry load 2.25% for investments made after 10.10.2004 and amount
Rs 25 lakhs
Exit Load : Exit Load 1% for Investment less than Rs 2 crore, if units are
redeemed within 3 years from the date of allotment
NAV Trend
Portfolio as on 31st
July.09
Debt Allocation
ASSET ALLOCATION
UTI-Energy Fund
Objective: To provide to investors growth of capital
over a period of time as well as to make periodical
distribution of income from investment in stocks of
select growth oriented sectors of the Indian
economy
 
 
Type of Scheme: Open Ended
Nature: Equity
Option: Growth
Inception Date: 17 November, 2007
Face Value (Rs/Unit) : 10
Fund Size in Rs. Cr.: 656.46 as on Jul 31,
2009
1
7/

10
12
14
16
18

0
2
4
6
8
12
/2
0
07
1/
1/
20
08
1/
4/
NAV Trend

20
08
1/
7/
20
08
1/
9/
20
08
NAV

1/
1/
20
09
1/
4/
20
09
1/
7/
20
31 09
/0
8/
20
0
9
NAV
sector ALLOCATION
ASSET ALLOCATION
Top Ten Investors of Fund
UTI Infrastructure
fund
Sector Allocation (Jul 31, 09)
RETUR
NS
ASSET ALLOCATION
CONCLUSION:
s good and safe bet compared to stocks but since most the mutual funds ha
quity component the prospects are largely linked to performance of the stoc
market. Mutual funds are always better compare to share market and other
deposits.

There are numerous benefits of investing in mutual funds and one of the key
easons for its phenomenal success in the developed markets like US and UK
e range of benefits they offer, which are unmatched by most other investme
avenues..The benefits of mutual fund investment have been broadly split into
niversal benefits, applicable to all schemes, and benefits applicable specifica
to open-ended schemes.

here is no one mutual fund that will be suitable to all kinds of investors. Henc
mutual fund investors need to identify a suitable fund for them. This would be
e first step towards making successful investments in mutual funds. As mutu
funds are not free of any kind of risk.

For the growth of Mutual fund Industry in India investors must be educated-
ther than the benefit of the tax exemption it is also a very important mode o
saving in present day scenario. Mutual Fund are the now days the largest
#####