ANALYSIS & INTERPRETATION OF THE DATA

1. (a) Age distribution of the Investors of Jaipur south

Investors invested in Mutual Fund

25

20

20 15 12 13 12 8

15

10

<=30 31-35 36-40 41-45 46-50 >50

Age group of the Investors

Interpretation: In age group most of the Investors were between 36-40, the second most Investors were between 41-45 and the least were aged with below 30. 20 investors not responded.

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b). Occupation of the investors of Jaipur south Govt. Ser Pvt. Ser Business Agriculture Others

35 30 No. of Investors 25 20 15 10 5 0
Govt. Service

30

24
20

2
Pvt. Service Business Agriculture

2
Others

Occupation of the customers

Interpretation: In Occupation group most of the Investors were Private employees, the second most Investors were Govt.employees and the least were associated with agriculture and industry.22 investors not responded.

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(c). Monthly Family Income of the Investors of Jaipur south Up to Rs.15,000 Rs. 15,001 to 10000 Rs. 20,001 to 30,000 Rs.30,001 to 40,000 Rs. 40,001 and above

40 35 No. of Investors 30 25 20 27

38

26

15
10 5 0 <=15 15-20 20-30 30-40 >40 6 3

Income Group of the Investorsn (Rs. in Th.)

Interpretation: In family Income group, between Rs.30,000-40,000 were more in numbers, the second most were in the Income group between Rs.20,000-30,000 and the least were in the group of below Rs. 15,000.

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(2) Investors invested in different kind of investments. a. Saving account e. Post Office-NSC, etc b. Fixed deposits f. Shares/Debentures c. Insurance g. Gold/ Silver d. Mutual Fund h. Real Estate

Real Estate Gold/Silver Shares/Debentures Post Office(NSC) mutual funds Insurance Fixed Deposits Saving A/c Linear (Real Estate)

8 4 6 9 16

18
17 22 0 10 20 No. of respondent 30

Interpretation: About all the Respondents had a Saving A/c in Bank, 18% invested in insurance sector ,17% Invested in Fixed Deposits, Only 16% Respondents invested in Mutual fund.

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3. Preference of factors while investing (a) Liquidity (b) Low Risk (c) High Return (d) Trust

trust
high return low risk liquidity

18
32 30 20

10

20

30

40

Interpretation: Mostly Respondents preferred High Return while investment, the second most preferred Low Risk then liquidity and the least preferred Trust.

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4. Awareness about Mutual Fund and its Operations

25%
75%

Yes

No

Interpretation: Only 75% Respondents were aware about Mutual fund and its operations

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5. Source of information for customers about Mutual Fund a. Advertisement b. Peer Group c. Banks d. Financial Advisors

40 35 No. of Respondents 30 25 20 15 10 5 0
Advertisement Peer Group Bank

34

14
10

17

Financial Advisors

Source of Information

Interpretation: Most of the respondents claimed their source of information are financial advisiors and least claimed advertisement. 20% investors not responded.

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6. Investors invested in Mutual Fund

No 30%

Yes 70%

Interpretation: Among 100 Respondents only 70% had invested in Mutual Fund.

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7. Reason for not invested in Mutual Fund (a) Not aware of MF (b) Higher risk (c) Not any specific reason

90 80 80

NO. OF RESPONDENT

70 60 50 40 30 20 10 0
Not Aware Higher Risk Not Any

13

REASONS
Interpretation: The most vital problem spotted is of ignorance. Investors should be made aware of the benefits. Nobody will invest until and unless he is fully convinced.

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8. Preference of Investors for future investment in Mutual Fund a. SBIMF b. UTI c. HDFC d. Reliance e. Kotak f. Other. specify

Others Kotak ICICI Prudential Name of AMC Reliance HDFC UTI

8 14 20 21 8 10 19 0 5 10 15 20 25

SBIMF

No. of Investors

Interpretation: For Future investment the maximum Respondents preferred Reliance Mutual Fund, the second most preferred ICICI Prudential, SBIMF has been preferred after them.

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9. Reason for invested in SBIMF a. SBIMF is associated with State Bank of India. b. They have a record of giving good returns year after year. c. Agent Advice

50 45 40 NO. OF RESPONDENT 35 30 25 20 15 20 16 44

10
5 0 Associated with SBI
Interpretation: Out of 70 investors of SBIMF 36% have invested due to its association with the Brand SBI,13% Invested because of Advisors Advice and 16% due to better return. 20% investors not responded.

Better Return

Agents Advice

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10. Channel Preferred by the Investors for Mutual Fund Investment (a) Financial Advisor (b) Bank (c) AMC

45
40 NO. OF RESPONDENT

42

35
30 25 20 15 10 5 0 11 17

Financial Advisor

Bank

AMC

CHANNELS

Interpretation: 42% Investors preferred to Invest through Financial Advisors, 17% through AMC (means Direct Investment) and 11% through Bank. 30% investors not responded.

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11. Mode of Investment Preferred by the Investors a. One Time Investment b. Systematic Investment Plan (SIP)

One time Investment SIP

Interpretation: 63% preferred One Time Investment and 37% preferred SIP out of both

type of Mode of Investment.

12. Preferred Portfolios by the Investors a. Having only debt portfolio b. Having debt & equity portfolio. c. Only equity portfolio.

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35

30

NO. OF RESPONDENT

25

20

15

10

Equity
Interpretation:

Debt

Balance

The most preferred Portfolio was Equity, the second most was Balance

(mixture of both equity and debt), and the least preferred Portfolio was Debt portfolio.Recommendations. 30% investors not responded.

Facts and Findings

In age group most of the Investors were between 36-40, the second most Investors were between 41-45 and the least were aged with below 30.20 investors not responded.

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 In Occupation group most of the Investors were Private employees, the second most Investors were Govt.employees and the least were associated with agriculture and industry.22 investors not responded In family Income group, between Rs.30,000-40 ,000 were more in numbers, the second most were in the Income group between Rs.20,000-30,000 and the least were in the group of below Rs. 15,000. About all the Respondents had a Saving A/c in Bank, 18% invested in insurance sector ,17% Invested in Fixed Deposits, Only 16% Respondents invested in Mutual fund. Most of the respondents claimed their source of information are financial advisiors and least claimed advertisement. 20% investors not responded. Mostly Respondents preferred High Return while investment, the second most preferred Low Risk then liquidity and the least preferred Trust. Only 75% Respondents were aware about Mutual fund and its operations For Future investment the maximum Respondents preferred Reliance Mutual Fund, the second most preferred ICICI Prudential, SBIMF has been preferred after them. Among 100 Respondents only 70% had invested in Mutual Fund.

Out of 70 investors of SBIMF 36% have invested due to its association with the Brand SBI,13% Invested because of Advisors Advice and 16% due to better return. 20% investors not responded. 42% Investors preferred to Invest through Financial Advisors, 17% through AMC (means Direct Investment) and 11% through Bank. 30% investors not responded.

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63% preferred One Time Investment and 37% preferred SIP out of both type

of Mode of Investment. The most preferred Portfolio was Equity, the second most was Balance

(mixture of both equity and debt), and the least preferred Portfolio was Debt portfolio.Recommendations. 30% investors not responded. The most vital problem spotted is of ignorance. Investors should be made aware of the benefits. Nobody will invest until and unless he is fully convinced. Mutual Fund Company needs to give the training of the Individual Financial Advisors about the Fund/Scheme and its objective, because they are the main source to influence the investors. Younger people aged under 35 will be a key new customer group into the future, so making greater efforts with younger customers who show some interest in investing should pay off. Systematic Investment Plan (SIP) is one the innovative products launched by Assets Management companies very recently in the industry. SIP is easy for monthly salaried person as it provides the facility of do the investment interest in investing should pay off.

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