Survey on investment options

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4.1 Sectorial Composition of Different Investment

Investment

No. of Respondent

In Percentage (%)

Loan and Leasing

32

16

Share and Debenture

92

46

Mutual Funds

46

23

Insurance

30

15

Interpretation:

Findings reveals that 16% goes to Loan and Leasing, 46% to Share and debentures, 23% Mutual funds and 15% goes to Insurance.

4.2 Reasons for not investing in mutual funds

Investment

No. of Respondent

In Percentage (%)

Lack of Investor Awareness

86

43

Lack of dealer Awareness

48

24

Complexity Nature

46

23

Any Others

20

10

Interpretation:

Most of the Investors and not investing in mutual funds due to lack of investor awareness I.e 43%, Other reasons are Lack of Dealers awareness which is 24%, Complexity Nature, 23% and others cover 10%.

4.3 Reasons given by dealers for giving suggestion to their clients to invest in mutual funds

Investment

No. of Respondent

In Percentage (%)

For Commission

114

57

For Dividend

48

24

For less risk

32

16

Any Others

6

3

Interpretation:

Most of the Investors are advised to invest in mutual funds for commission, 53%, For Dividend, 24%, For Less Risk, 16% and others suggestion 3%.

4.4 Reasons for investing money in Mutual funds By investors

Investment

No. of Respondent

In Percentage (%)

For Tax Rebate

24

12

For Dividend

74

37

For less risk

88

44

For Liquidity

14

7

Interpretation:

Most of the investor invest in Mutual funds mainly for tax rebate, which is 12%, for Dividend that is 37%, For less risk 44% and For Liquidity 7%.

4.5 Gender Wise Classification of Mutual Fund User

Gender

No. of Respondents

In Percentage (%)

Male

156

73

Female

54

27

Interpretation:

From the graphs and table above, Male rating 73% seems to Invest in Mutual Fund whereas the ratio of 27% female invests in Mutual Fund.

4.6 Distribution of Investors on the basis of Age

Age Distribution

No. of Respondent

In Percentage (%)

18-25

30

15

25-40

70

35

40-60

80

40

Above 60

20

10

Interpretation:

Investors within age group 18-25 covers ratio of 15%, within age group 25-40 covers 35%, within age group 40-60 covers 40% and above 60 years covers 10%.

4.7 On the basis of qualification of Investors

Qualification

No. of Respondent

In Percentage (%)

Graduate

72

36

Post Graduate

48

24

Diploma

40

20

ITI

40

20

Interpretation:

On the basis of Qualification, Investor with Graduate degree rates 36%, Post graduate rates 24%, Diploma holder rates 20% and one with ITI certification holds 20%.

4.8 On the Basis of Occupation of Investors

Occupation

No. of Respondent

In Percentage (%)

Government Undertakings

54

27

Private

58

29

Business

42

21

Farmer

16

8

Others

30

15

Interpretation:

On the basis of Occupation, Investors are divided as govt undertakers holds 27%, Private job holders holds 29%, Businessmen holds 21%, Farmer holds 8% and Others occupation holder holds 15%.

4.9 On the basis of Income of the Investors

Income

No. of Respondent

In Percentage (%)

Below 120,000

16

8

120,000-240,000

20

10

240,000-360,000

116

58

Above 360,000

48

24

Interpretation:

Investors having income below 120,000 covers 8%, income holder within 120,000-240,000 holds 10%, Income holder within 240,000-360,000 holds 58% and Income holding above has a ratio of 24%.

4.10 On the basis of nature of investors

Nature of Investors

No. of Respondent

In Percentage (%)

Moderate

96

48

Aggressive

46

23

Conservative

58

29

Interpretation:

As per the nature of Investors, Moderate investor have ratio of 48%, Aggressive investor holds 23% and Conservative Investor holds 29%.

4.11 On the basis of types of Mutual Funds

Types

No. of Respondent

In Percentage (%)

Growth Fund

50

25

Equity Fund

38

19

Gilt Fund

22

11

Liquid Fund

18

9

Debt Fund

42

21

Index Fund

22

11

Other Fund

8

4

Interpretation:

As per the types of mutual funds, there are 25% rate of growth fund, 19% equity fund, 11% gilt fund, 9% liquid fund, 21% debt fund, 11% index fund and 4% other fund.

4.12 On the basis of Mutual Funds years holding

Years of Holding

No. of Respondent

In Percentage (%)

Below 2 years

46

23

2-5 years

82

41

5-10 Years

54

27

Above 10 years

18

9

Interpretation:

Investor holding MF below 2 years is 23%, within 2-5 years is 41%, within 5-10 years is 27% and above 10 years is 9%.

4.13 On the basis companies enrolled in Mutual Funds

Companies

No. of Respondent

In Percentage (%)

HDFC

54

27

ICICI

40

20

Reliance

28

14

SBI

14

7

LIC

30

15

Kotak Mahindra

20

10

Others

14

7

Interpretation:

HDFC holds 27%, ICICI holds 20%, Reliance holds 14%, SBI holds 7%, LIC holds 15%, Kotak Mahindra holds 10% and other companies into mutual fund functions holds 7%.

4.14 On the basis of satisfaction by the service of the company’s employed behaviour

Nature of Satisfaction

No. of Respondent

In Percentage (%)

Highly Satisfied

30

15

Satisfied

70

35

Neutral

60

30

Dissatisfied

30

15

Highly dissatisfied

10

5

Interpretation:

As per service provided by companies, 15% investors seems highly satisfied, 35% seems satisfied, 30% seems Neutral, 15% seems dissatisfied and 5% are highly satisfied.

4.15 Types of Funds, where investors are interested to Invest

Investment Preferences

No. of Respondent

In Percentage (%)

Equity Fund

48

24

Debt Fund

22

11

Growth Fund

130

65

Interpretation:

As per the investment preference of the investor, 65% of investor are willing to invest in growth fund, 24% are willing to make investment in equity fund and 11% in Debt fund.

4.16 On the basis of Investors invested in different kind of investments

Kind of Investments

No. of Respondent

In Percentage (%)

Saving Account

40

20

Fixed Deposits

34

17

Insurance

36

18

Mutual Fund

38

19

Post Office

16

8

Shares/Debentures

12

6

Gold/Silver

10

5

Real Estate

14

7

Interpretation:

As per kind of Investment done by investors, 20% holds investment from saving account, 17% from Fixed Deposit, 18% from insurance, 19% from Mutual fund, 8% from Post office, 6% from Shares/Debentures, 5% from Gold/Silver and 7% from Real Estate.

4.17 Preferences of factors while Investing

Factors

No. of Respondent

In Percentage (%)

Liquidity

40

40

Low Risk

60

30

High Return

64

32

Trust

36

18

Interpretation:

As per the preferences of factors while investing, 33% on liquidity, 25% on Low Risk, 27% on high return and 15% on trust.

4.18 On the basis of sources of information for the customer about mutual fund

Sources of Info

No. of Respondent

In Percentage (%)

Advertisement

30

15

Peer Group

38

19

Bank

50

25

Financial Advisors

82

41

Interpretation:

As per the source of information, Investors follow for the investment are: 41% through Financial Advisors, 15% through advertisement, 19% through peer group and 25% through banks and institutions.

4.19 On the basis of reasons for not willing to invest in Mutual Funds

Reasons

No. of Respondent

In Percentage (%)

Not Aware

65

81

Higher Risk

5

6

Not any specifications

10

13

Interpretation:

Through survey done, I came to identify some of the major reasons, why people are not willing to make investment in mutual funds, I.e. 81% is due to lack of awareness, 13% is due to not any specifications and 6% is due to higher risk.

4.20 On the basis of preferences of investors for future investment in Mutual Funds

Name of AMC

No. of Respondent

In Percentage (%)

IBIMF

32

16

UTI

36

18

HDFC

40

20

Reliance

20

10

ICICI

34

17

Kotak Mahindra

26

13

Others

12

6

Interpretation:

As per the perceptions of Investors for future investments in AMCs are 16% in IBIMF, 18% in UTI, 20% in HDFC, 10% in Reliance, 17% in ICICI, 13% in Kotak Mahindra and 6% in Others.

4.21 On the basis of Channel Preferred for the investment in Mutual Funds in Future

Channel

No. of Respondent

In Percentage (%)

Financial Advisor

120

60

Bank

30

18

AMC

50

28

Interpretation:

As per the clients or Investors, they would choose following channels for future investments in Mutual Fund – 57% through Financial Advisor, 26% through AMC and 17% through Bank and institutions.

4.22 On the basis of mode of investment preferred by the investors

Mode of Investment

No. of Respondent

In Percentage (%)

One time Investment

104

52

Systematic Investment Plan

96

48

Interpretation:

As the mode of investment selection, 52% of Investor chooses one time investment where as 48% chooses systematic investment plan.

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