Bittu Investment Behavior Among the Investors.amarish...2

8/17/2019 Bittu Investment Behavior Among the Investors.amarish...2

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RESEARCH PROJECT REPORT

ON

“INVESTMENT BEHAVIOR AMONG THE

INVESTORS”

Submitted in the partial fulfillment of the requirement for BBAdegree Programme of Chaudhary Charan Singh University,

Meerut

SUBMMITED TO SUBMMITED BY :-

Mr. Arpit Bittu

ROLL NO. !"#$%"&

DEPARTMENT OF MANAGEMENT STUDIES

BACHELOR OF BUSINESS ADMINISTRATION

SHIVAM TECHNICAL CAMPUS

KHURJA BSR


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DECLARATION

I, Bittu, Roll No. !"#$%"& , student of BBA FINAL YEAR Shivam

Technical Cam!" Kh!#$a BSR here by declare that the research report

entitled “INVESTING BEHAVIOR REGARDING THE INVESTORS” is y

ori!inal "or# and the sae has not been subitted to any other

$ni%ersity for the a"ard of any other de!ree or diploa.

&lace' (hur)a *BITTU)

+ate' ..


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-y Research pro)ect "ith INVESTING BEHAVIOR REGARDING

THE INVESTORS pro%ed to be hi!hly %aluable and inforati%e so)ourn.

I !ot soe %aluable insi!hts fro this eercise, "hich has definitely

enabled e to hone y s#ills and "iden y perspecti%e to"ards ban#in!

in its odern prospect.

I epress y !ratitude to"ards -r./0+ of BBA +epartent, faculty "ho!a%e e opportunity to coplete y Research &ro)ect. I a also

than#ful to hi for pro%idin! e his able !uidance , %aluable su!!estions

and for sharin! his eperiences "ith e "ithout "hich this pro)ect ay

not ha%e been successful.

I a also !rateful to all y colle!es "ho continuously helped e in y

pro)ect and for their #ind co1operation and by sparin! their %aluable tie

in pro%idin! e the inforation needed.


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2ABLE 0F 30N2EN24

CONTENTS

1 Introduction

What is Invst!nt

"aturs o# An Invst!nt $ro%ra!!

Invstin% Bhavior

E&uit' Shar

Bond

Insuranc

(utua "und

* O+,ctiv o# th -ro,ct

. I!-ortanc o# th stud'

/ Sco- o# th stud'

0 Rsarch (thodoo%'

Data Ana'sis 2 Intr-rtation

3 Rcco!!ndation 2 Su%%stion

4 Concusion


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INVEST(ENT


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In%estent is the sacrifice of certain present %alue for the uncertain future

re"ard. It entails arri%in! at nuerous decisions such as type, i, aount,

tiin!, !rade etc. of in%estent and disin%estent. Further, such decision1

a#in! has not only to be continuous but rational too. Broadly spea#in!,

and in%estent decision is a trade off bet"een ris# and returns. All

in%estent choices are ade at points of tie in accordance "ith the

personal in%estent ends and a conteplation of an uncertain future. 4ince

in%estents in securities are re%ocable in%estent ends are transient and

in%estent en%ironent is fluid, the reliable bases for reasoned

epectations becoe ore and ore %a!ue as once concei%es of the

distance future. In%estors in securities "ill, therefore, for tie to tie,

reappraise and re1e%aluate their %arious in%estent coitents in the

li!ht of ne" inforation, chan!ed epectations and ends.

In%estent choices or decisions are found to be the outcoe of three

different but related classes of factors. 2he first ay be described as factual

or inforational preises .2he factual preises of in%estent decisions are

pro%ided by any streas of data "hich ta#en to!ether, represent to an

in%estor, the obser%able en%ironent and !eneral as "ell as particular

features of the securities and firs in "hich he ay in%est. 2he second


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class of factors, enterin! into in%estent decisions ay be described as

epectational preises. Epectations relatin! to the outcoes of alternati%e

in%estents are sub)ecti%e and hypothetical in any case but their

foundations are necessarily pro%ided by the en%ironental and financial

facts a%ailable to in%estors. 2hese liit not only the ran!e of in%estents,

"hich ay be underta#en, but also the epectations of outcoes, "hich

ay le!itiately be entertained. 2he third and final class of factors ay be

described as %aluational preises. For in%estors !enerally these coprise

the structure of sub)ecti%e preferences for the si5e and re!ularity of the

incoe to be recei%ed fro and for the safety and ne!otiability of specific

in%estent or cobinations of in%estents as these are appraised fro

tie to tie.

Invst!nt5 th thr thin%s that !attr

1 Ho6 !uch cash can I 7-ct to rciv8

* Whn can I 7-ct to rciv it8

. Ho6 con#idnt can I + that I 6i %t th a!ount o# cash I 7-ct9

and ho6 crtain can I + that I 6i %t it 6hn I 7-ct it8


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Invst!nt:S-cuation:Ga!+in%5

$o- usua' !a; invst!nts 6ith a #utur nd dat in !ind< Th

n%th o# ti! #ro! th dat 6hn invst!nt is -urchasd to th #ina

dat can + cad th invstor=s -annin% hori>on9 invst!nt

hori>on9 or hodin% -riod< A #inancia asst -urchasd 6ith a vr'

short hodin% -riod in !ind -ro+a+' is not ra' an invst!nt? it

!a' + si!-' a %a!+ or a s-cuation<

A %a!+ is usua' a vr' short? tr! invst!nt in a %a! o#

chanc< Th hodin% -riod #or !ost %a!+s can + !asurd in

sconds< That is9 th rsut o# so cad invst!nt ar &uic;'

rsovd +' th ro o# th dic or th turn o# a card< Such activitis

hav -annin% hori>ons that ar #ar too +ri# to do th rsarch that

shoud -rcd an' invst!nt activit'<

S-cuation is t'-ica' ast on%r than %a!+s +ut ar +ri#r than

invst!nt< A s-cuation usua' invovs th -urchas o# a saa+

asst in ho-s o# !a;in% a &uic; -ro#it #ro! an incras in th -ric

o# th asst9 6hich 7-ctd to occur 6ithin a #6 6;s or !onths<

Thos invovd in s-cuations ar ructant to r#r to this activit' as

s-cuation +caus th' disi; th connotations o# th 6ord@ th

-r#r to r#r to s-cuations as invst!nt activitis


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Thr is no -rcis dividin% in 6ith rs-ct to th n%th o#

invst!nt hodin% -riods that coud + usd to s-arat %a!+s

#ro! s-cuations and s-cuations #ro! invst!nts< At its +st9

invst!nt is 6 %roundd and car#u' -annd s-cuation

6hras it is an ostrich?i; #or! o# invountar' and unconscious

s-cuation at its 6orst< Thr ar no st rus or -r!annt'

sta+ishin% 6hich scuritis ar invst!nt and 6hich ar

s-cuations<

"EATRES O" AN INVEST(ENT $ROGRA((E

Choosin% s-ci#ic invst!nts9 invstors 6i nd d#init idas

r%ardin% #aturs 6hich thir -ort#oios shoud -osss< Ths

#aturs 6oud + consistnt 6ith th invstors= %nra o+,ctivs

and9 in addition9 shoud a##ord th! a th incidnta convnincs

and advanta%s 6hich ar -ossi+ undr th circu!stancs< Th

#oo6in% ar th su%%std #aturs as th in%rdints #ro! 6hich

!an' succss#u invstors co!-ound thir sction -oicis<

Sa#t' o# $rinci-a


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2he safety sou!ht in in%estent is not absolute or coplete6 it rather

iplies protection a!ainst loss under reasonably li#ely conditions or

%ariations. It calls for careful re%ie" of econoic and industry trends before

decidin! types and tiin! of in%estents. 2hus, it reco!ni5ed that errors are

una%oidable for "hich etensi%e di%ersification is su!!ested as an antidote.

Ad&uat Li&uidit' and Coatra Vau

An in%estent is a li7uid asset if it can be con%erted into cash "ithout delay

at full ar#et %alue in any 7uantity. For an in%estent to be li7uid it ust be

*89 re%ersible or *:9 ar#etable. 2he difference bet"een re%ersibility and

ar#etability is that re%ersibility is the process "hereby the transaction is

re%ersed or terinated "hile ar#etability in%ol%es the sale of the

in%estent in the ar#et for cash.

Sta+iit' o# inco!

4tability of incoe ust be loo#ed at in different "ays )ust as "as security

of principal. An in%estor ust consider stability of onetary incoe and

stability of purchasin! po"er of incoe. /o"e%er, ephasis upon incoe

stability ay not al"ays be consistent "ith other in%estent principles. If

onetary incoe stability is stressed, capital !ro"th and di%ersification "ill

be liited.


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Ca-ita Gro6th

3apital appreciation has today becoe a iportant principle, reco!ni5in!

the connection bet"een corporation and industry !ro"th and %ery lar!e

capital appreciation, in%estors and their ad%isers constantly are see#in!

“!ro"th stoc#;. It is eceedin!ly difficult to a#e a successful choice. 2he

ideal “!ro"th stoc#s” is the ri!ht issue in the ri!ht industry, bou!ht at the

ri!ht tie.

Ta7 Bn#its

2o plan an in%estent pro!rae "ithout re!ard to one;s ta status ay

be costly the in%estor. 2here are really t"o probles in%ol%ed here, one

concerned "ith the aount of incoe paid by the in%estent and the other

"ith the burden of incoe taes upon that incoe.


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4ince an in%estent nearly al"ays in%ol%es the coitent of current

funds "ith the ob)ecti%e of recei%in! !reater aount of future funds, the

purchasin! po"er of the future funds should be considered by the in%estors.

For aintainin! purchasin! po"er stability, in%estors should carefully study

*89 the de!ree of price le%el inflation they epect, *:9 the possibility of !ain

and loss in the in%estent a%ailable to the, and *=9 the liitations iposed

by personal and faily considerations.

Concaa+iit'

2o be safe fro social disorders, !o%ernent confiscation, or unacceptable

le%els of taation, property ust be concealable and lea%e no record of

incoe recei%ed fro its use or sale. >old and precious stones ha%e lon!

been esteeed for this purpose because they cobine hi!h %alue "ith

sall bul# and are readily transferable.

INCREASE $O$LARIT O" INVEST(ENTS


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In%estin! has been an acti%ity confined to the rich and business class in the

past. 2his can be attributed to the fact that a%ailability of in%estible funds is

a pre1re7uisite to deployent of funds. But, today, "e find that in%estent

has becoe a household "ord and is %ery popular "ith people for all

"al#s of life.

Increase in popularity of in%estents can be attributed to the

follo"in! factors'

1. increase in "or#in! population, lar!er faily incoes and conse7uent

hi!her sa%in!s6

2. &ro%ision of ta incenti%es in respect of in%estent in specified channels6

3. Increase in tendency of people to hed!e a!ainst inflation6

4. A%ailability of lar!e and attracti%e in%estent alternati%es6

5. Increase in in%estent related publicity6

6. Ability of in%estents to pro%ide incoe and capital !ains, etc.

EIT SHARES


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E7uity represents an o"nership position in a corporation. It is a residual

clai, in the sense that creditors and shareholders ust be paid as

scheduled before e7uity shareholders can recei%e any payent. In

ban#ruptcy e7uity holders are in principle entitled only to assets reainin!

after all prior claiants ha%e been satisfied. 2hus, ris# is hi!hest "ith e7uity

shares and so ust be its epected return.


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'& Hd% A%ainst In#ation

2he e7uity share is a !ood hed!e a!ainst inflation thou!h it does not fully

copensate for the declinin! purchasin! po"er as it is sub)ect to the

oney1rate ris#. But, "hen interest rates are hi!h shares tend to be less

attracti%e, and prices tend to depress.

(& "r Trans#ra+iit'

2he o"ner of shares has the ri!ht to transfer his interest to soeone

elese.2he buyer should ensure that the issuin! corporation transfers the

o"nership on its boo#s so that di%idends, %otin! ri!ht and other pri%ile!es

"ill accrue to the ne" o"ner. Althou!h the indi%idual has the ri!ht to sell his

shares, there is little or no tradin! in the shares of any corporations due to

the lac# of interested buyers. For this reason, e7uity shares of any sall

businesses are nonli7uid and difficult to ar#et.

0< Shar in Gro6th

2he a)or ad%anta!e of in%estent in e7uity shares is its ability to increase

in %alue by sharin! in the !ro"th of copany profits o%er the lon! run.

)& Ta7 Advanta%s


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E7uity shares also offer ta ad%anta!es to the in%estor. 2he lar!er yield on

e7uity shares results fro an increase in principal or capital !ains "hich are

taed at lo"er rate than other incoes in ost of the countries.

BOND

Bond is a loan. 2he loans can be fro

1 the federal !o%ernent,

2 a federal a!ency,

3 unicipality or

4 corporation .

At the tie of purchase of bonds "e are lendin! our oney to "ho "e

buy the bonds fro. As return on our oney, fied rate of interest has been

paid o%er a set period of tie.


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T'-s o# Bonds5

1 3on%ertible Bonds

1 Fied rate Bonds

1 Floatin!1rate bonds

1 /i!h1yield bonds

1 ?ero1coupon bonds

1 4ubordinated

INSRANCEINSRANCE

“Insuranc is a contract +t6n t6o -artis 6hr +' on -art'

cad insurr undrta;s in 7chan% #or a #i7d su! cad

-r!iu!s9 to -a' th othr -art' cad insurd a #i7d a!ount o#

!on' on th ha--nin% o# a crtain vnt<

WH $EO$LE GO "OR INSRANCE

1 2o ensure continuity of incoe


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2 2o pay off any debt left behind

3 2o pro%ide li7uidity to one;s assets

4 2o create an asset for one;s heirs

5 A !reat in%estent %ehicle

T'-s o# Insuranc

1 Life insurance

2 >eneral Insurance

LIFE INSURANCE is one such service product.

• Life insurance pro%ides financial protection to your faily a!ainst ris#s and

unfortunate e%ents<

• Life insurance pro%ides for your faily eactly "hen they need it ost.

• Life insurance ensures that e%en if you are not around to sa%e, your !oals and

aspirations are et.

• Life insurance forces you to sa%e re!ularly.

• Life insurance pro%ides returns on your sa%in!s.


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(TAL "ND

What is a (utua #und8

A -utual Fund is a trust that pools the sa%in!s of a nuber of in%estors

"ho share a coon financial !oal. 2he oney thus collected is

in%ested by the fund ana!er in different types of securities dependin!

upon the ob)ecti%e of the schee. 2hese could ran!e fro shares to

debentures to oney ar#et instruents. 2he incoe earned throu!h

these in%estents and the capital appreciations reali5ed by the schee

are shared by its unit holders in proportion to the nuber of units o"ned

by the *pro rata9. 2hus a -utual Fund is the ost suitable in%estent

for the coon an as it offers an opportunity to in%est in a di%ersified,

professionally ana!ed portfolio at a relati%ely lo" cost. Anybody "ith an

in%entible surplus of as little as a fe" thousand rupees can in%est in

-utual Funds. Each -utual Fund schee has a defined in%estent

ob)ecti%e and strate!y.


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A +ri# histor' o# (utua #unds in India

2he ori!in of utual fund industry in India is "ith the introduction of the

concept of utual fund by $2I in the year 8@=. 2hou!h the !ro"th "as

slo", but it accelerated fro the year 8@C "hen non1$2I players

entered the industry.

In the past decade, Indian utual fund industry had seen draatic

ipro%eents, both 7uality "ise as "ell as 7uantity "ise. Before, the

onopoly of the ar#et had seen an endin! phase6 the Assets under

-ana!eent *A$-9 "ere Rs. Cbn. 2he pri%ate sector entry to the fundfaily raised the A$- to Rs. DC bn in -arch 8@@= and till April :D6 it

reached the hei!ht of 8,D bn.

&uttin! the A$- of the Indian -utual Funds Industry into coparison,

the total of it is less than the deposits of 4BI alone, constitute less than


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88G of the total deposits held by the Indian ban#in! industry.

2he ain reason of its poor !ro"th is that the utual fund industry in

India is ne" in the country. Lar!e sections of Indian in%estors are yet to

be intellectuated "ith the concept. /ence, it is the prie responsibility of

all utual fund copanies, to ar#et the product correctly abreast of

sellin!.

2he utual fund industry can be broadly put into four phases accordin!

to the de%elopent of the sector. Each phase is briefly described as

under.

"irst $has ? 1/?43

$nit 2rust of India *$2I9 "as established on 8@= by an Act of

&arliaent. It "as set up by the Reser%e Ban# of India and functioned

under the Re!ulatory and adinistrati%e control of the Reser%e Ban# of

India. In 8@C $2I "as de1lin#ed fro the RBI and the Industrial

+e%elopent Ban# of India *I+BI9 too# o%er the re!ulatory and

adinistrati%e control in place of RBI. 2he first schee launched by $2I

"as $nit 4chee 8@D. At the end of 8@ $2I had Rs.,C crores of

assets under ana!eent.

Scond $has ? 143?1. FEntr' o# $u+ic Sctor "unds)

Entry of non1$2I utual funds. 4BI -utual Fund "as the first follo"ed by

3anban# -utual Fund *+ec C9, &un)ab National Ban# -utual Fund *Au!

@9, Indian Ban# -utual Fund *No% @9, Ban# of India *Hun @9, Ban# of

Baroda -utual Fund *0ct @:9. LI3 in 8@@ and >I3 in 8@@. 2he end of

8@@= ar#ed Rs.DC, D as assets under ana!eent.


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Third $has ? 1.?*. FEntr' o# $rivat Sctor "unds)


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2he second is the $2I -utual Fund Ltd, sponsored by 4BI, &NB, B0B

and LI3. It is re!istered "ith 4EBI and functions under the -utual Fund

Re!ulations.


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OBECTIVE

O"

THE $ROECT


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OBECTIVE

*89 2o find out "hether people li#e to in%est in utual fund or not. If not then

"hat is the reason for that.

*:9 2o find out "hether people li#e to in%est in shares or not. If not then "hat

is the reason for that.

*=9 2o find out the preferred option for in%estent on the basis of incoe

!roup and "hat they li#e first before in%estent.


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I!-ortanc o#

th stud'


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I($ORTANCE O" THE STD

2he business ana!eent courses are insufficient to sol%e all the

probles arisin! in practical field. 2here is no any shortcut "ay to sol%e

ana!eent probles coin! out of concern. 2he ai of 2his pro)ect is

to de%elop the ability of correct decision a#in!. A correct decision cut

the ri!ht oent itself is an added ad%anta!e for any proble arisin! out

on re!ular basis.

2he ultiate purpose of !i%in! e this topic "as to #no" about the

custoer;s perceptions about the different products of the ban#, ho"

these products can attract the and ho" the in%estor can !enerateaiu profit by con%incin! the throu!h in%estin! oney.

Invst!nt #unds ar avaia+

2he policy is fully unitised "ith a ran!e of funds to atch your needs and

approach to ris#. *By ris# "e ean the li#ely %olatility in the %alue of units

in the fund.9 Each in%estent fund is coposed of units. All the units in a

fund are identical. You can choose fro the follo"in! funds'

Li&uid #und


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2he Li7uid fund in%ests 8G in ban# deposits and hi!h 7uality short1

ter ar#et instru ents. 2he fund is desi!ned to be cash secure and

has a %ery lo" le%el of ris#6 ho"e%er unit prices ay occasionally !o

do"n due to the use of short1ter oney ar#et instruents. At

inception, in%estents up to :G can be allocated to this fund.

Scur (ana%d

2he 4ecure -ana!ed fund in%ests 8G in >o%ernent 4ecurities and

Bonds issued by copanies or other bodies "ith a hi!h credit standin!,

ho"e%er a sall aount of "or#in! capital ay be in%ested in cash tofacilitate the day1to1day runnin! of the fund. 2his fund has a lo" le%el of

ris# but unit prices ay still !o up or do"n.

D#nsiv (ana%d

8G to =G of the +efensi%e -ana!ed fund "ill be in%ested in hi!h

7uality Indian e7uities. 2he reainder "ill be in%ested in >o%ernent

4ecurities and Bonds issued by copanies or other bodies "ith a hi!h

credit standin!. In addition, a sall aount of "or#in! capital ay be

in%ested in cash to facilitate the day1to1day runnin! of the fund. 2he fund

has a oderate le%el of ris# "ith the opportunity to earn hi!her returns in

the lon! ter fro soe e7uity in%estent. $nit prices ay !o up or

do"n.

Baancd (ana%d

=G to G of the Balanced -ana!ed fund "ill be in%ested in hi!h

7uality Indian e7uities. 2he reainder "ill be in%ested in >o%ernent


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4ecurities and Bonds issued by copanies or other bodies "ith a hi!h

credit standin!. In addition a sall aount of "or#in! capital ay be

in%ested in cash to facilitate the day1to1day runnin! of the fund.

4cope of the study


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Sco- o# stud'

2he study has been carried out in Noida selectin! a saple of 8 people

*4hop#eepers9. 2he ai of the study "as to analyse &eople;s perception

re!ardin! different in%estent instruents e.!. -utual Fund, E7uity 4hares

etc. An attept "as ade to understand the In%estent beha%iour "ith the

help of In%estor;s as "ell as Fir. 2his can be done at rural area also.

2he role of research in se%eral fields of applied econoies, "hether

related to business or to the econoy as a "hole, has !reatly increased

in odern ties.A Research &ro)ect is a ediu to search optiusolution to the part of a a)or eistin! proble. 0ften it is done for

anticipatin! the future. In business scenario a research is a crucial part of

ana!eent functionin!

2he 4cope of the Research study "ould include the >eo!raphic

+eo!raphic re!ion.

Each and e%ery pro)ect study alon! "ith its certain ob)ecti%es

also ha%e scope for future. And this scope in future !i%es to ne"

researches a ne" need to research a ne" pro)ect "ith a ne" scope.

4cope of the study not only consist one or t"o future business plan but


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soetie it also !i%es idea about a ne" business "hich becoes uch

ore profitable for the researches then the older one.

4cope of the study could !i%e the pro)ected scenario for a ne"

successful strate!y "ith a proper ipleentation plan.


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• 3ontinue to de%elop products and ser%ices that reduce ban#;s cost

of funds.

• Focus on hi!h earnin!s !ro"th "ith lo" %olatility.

Research

-ethodolo!y


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RESEARCH $ROCESS

2he -ar#etin! Research &rocess

Develop The Research Plan

Collect The Information

Analyzing The Information

Interpreting The Final

Result

Defining The Research

Objective


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+A2A ANALY4I4

IN2ER&RE2A2I0N


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Ta+?1

$ur-os o# invst!nt

4E3$RI2Y G

RE2$RN =G

2AJ BENEFI2 8G


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GRA$H 1

4E3$RI2Y

G

RE2$RN

=G

2AJ

BENEFI2

8G

4E3$RI2Y

RE2$RN

2AJ BENEFI2

Intr-rtation5

2he abo%e table and !raph sho"s that the security is the ain purpose of

the different in%estors.

1 G people a#e in%estent for the purpose of security,

2 =G people li#e to in%est for hi!h return

3 0nly 8G people "ant ta benefit.


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Ta+?*

(ost $r#rrd o-tion #or invst!nt

BAN( F+s DG

&&FKN43 GB0N+4 G

IN4$RAN3E =G

-$2$AL F$N+ DG

4/ARE4 G


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GRA$H *

DBG

BG FG

=G

DG FG

G

8G

:G

=G

DG

FG

G

B A N (

F + s

& & F

K N 4 3

B 0

N + 4

I N 4 $ R

A N 3 E

- $ 2 $

A L F $ N +

4 / A R E 4

Intr-rtation5

2he abo%e table and !raph is presentin! the preferred option of different in%estors.

2his table and !raph sho"s as'


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1 DG people "ant security to in%est in ban#

2 G people prefer &&FKN43

3 G people prefer Bonds

4 =G people prefer Insurance

5 DG people prefer -utual Fund

6 G people li#e 4hares in%estent

4o Ban# and insurance is the ost preferred option for in%estent, "heretheir oney is ore secured. &eople "ant security of their oney thats

"hy they !o for in%est in ban# and insurance ostly


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Ta+?.

Various $an undr insuranc

2ER- &LAN :=GEN+0


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2he abo%e table and !raph indicates the %arious plan under insurance. 2his

table indicates that ost of the people ha%e in%ested in 2er &lan,

Endo"ent &lan and -oney Bac# &lan.

1 Near about G people ha%e in%ested their oney in these three

plans.

2 In 2able18 "e find out that G people "ants security of their oney

and insurance is a %ery1%ery preferred option for in%estents.

Ta+ ? /

Guidanc $r#rnc

INE42-EN2 30N4$L2AN2 =G


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BAN( DG

A>EN24 :G

GRA$H /

=G

DG

:GINE42-EN230N4$L2AN2

BAN(

A>EN24

Intr-rtation5

2he abo%e table is sho"in! the preferred option for !uidance of the

different in%estors. 2his is clear fro the table and !raph that'

1 =G people prefer the !uidance of the in%estent consultant.

2 DG people prefer ban#s as !uider

3 :G people thin# a!ents as their best !uider


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2he reason bein! that the different persons ha%e their o"n ind setup.

Ta+?0

Invstor=s $rc-tion R%ardin% th Shars

LA3( 0F (N0E :GRI4(Y =8G

N02 IN2ERE42E+ :G

N0 F$N+ 2I-E 8G

LA3( 0F >$I+AN3E G


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GRA$H 0

:G

=8G:G

8G

G LA3( 0F

(N0E

RI4(Y

N02 IN2ERE42E+

N0 F$N+ 2I-E

LA3( 0F>$I+AN3E

Intr-rtation5

2he 2able1 is indicatin! the in%estor;s perception re!ardin! the shares.

It is %ery clear fro the table that ost of the people are afraid of shares

and they thin# those ris#y.

Also "hen as#ed about reason any of the ans"ers in not interested.

2here are ore chances of increase in the in%estent in shares in the near

future as person are no" "ant to !o for that.


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Ta+?

$rc-tion R%ardin% (utua "und

LA3( 0F (N0$I+AN3E 8CG

LA3( 0F IN2ERE42 8=G

N0 F$N+ 10J


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GRA$H

DG

8G

8CG

8=G

8G

LA3( 0F(N0$I+AN3E

LA3( 0F

IN2ERE42

N0 F$N+

Intr-rtation'

2he abo%e table sho"s the people;s perception re!ardin! the utual fund.

1 Fro the abo%e table that ost of the people ha%e not so uch

#no"led!e re!ardin! the -F. Around G people as# about -utual

Fund.

2 But -F is not thin# so uch ris#y in coparsion to the shares.


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Ta+?3

Whthr -o- invst in (utua "unds

YE4 G

N0 @G


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GRA$H 3

YE4

G

N0

@G

YE4 N0

Intr-rtation5

2he abo%e table and !raph sho"s that only G people a#e in%estent in

-utual Funds.

Ta+?4

$rc-tion r%ardin% (utua "und +asd on Inco! Grou-

WH NOT (TAL

"ND8

INCO(E DISTRIBTION

LE44 2/AN

8. LA(/

8. 20

= LA(/

-0RE 2/AN

= LA(/

LA3( 0F (N0E =G G ==G

RI4(Y 8:G @G .G


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LA3( 0F >$I+AN3E 8G 88G :G

N02 IN2ERE42E+ 8:G @G :G

LA3( 0F F$N+4 :G 88G .G


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GRA$H 4

G

8G

:G

=G

DG

G

G

CG

L A 3 ( 0

F ( N

0 < L E + >

E

R I 4 ( Y

L A 3 ( 0 F

> $ I + A

N 3 E

N 0 2

I N 2 E R E

4 2 E +

L

A 3 ( 0 F

F $ N

+ 4

LE44 2/AN 8.LA(/

8. 20 = LA(/

-0RE 2/AN =

LA(/

Intr-rtation5

2able1 indicates the perception of the in%estors relatin! to different incoe

!roup re!ardin! -utual Fund.

1 2he reason is bein! lac# of !uidance and lac# of interest.

2 2he reason is bein! lac# of #no"led!e for iddle incoe !roup.

3 2his table also indicates that these people interested in in%estin! in

-F.


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Ta+?

Whthr -o- invst in Shars

YE4 G

N0 @G

GRA$H E

YE4

FG

N0

@FG

YE4N0

Intr-rtation5

2he abo%e table and !raph sho"s that only G people a#e in%estent in

4hares.


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Ta+?1

$rc-tion r%ardin% Shars +asd on di##rnt Inco!

Grou-

WH NOT SHARES8 DISTRIBTION O" INCO(E

LE44

2/AN 8.

8. 20 =

LA(/

-0RE 2/AN

= LA(/

LA3( 0F (N0$I+AN3E DG @G :G

LA3( 0F IN2ERE42 =G :G :G

N0 F$N+ :G 8DG CG

GRA$H 1

GG

8G8G:G:G=G=GDGDGG

L A 3 ( 0 F

( N 0 < L E + E

R I 4 ( Y

L A 3 ( 0 F

> $ I + A N 3 E

L A 3 ( 0 F

I N 2 E R E 4 2

N 0 F $ N +

LE44 2/AN 8.

8. 20 = LA(/

-0RE 2/AN =

LA(/

Intr-rtation5


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2he abo%e table and !raph sho"s the perception re!ardin! the shares of

the different in%estors based on incoe !roup. It is clear fro the abo%e

table that

the in%estors "hose incoe is less than 8. la#h

1 they ha%e not so uch funds "ith the to in%est in shares.

2 ost of the people thin# that it is too ris#y to in%est in shares.

the in%estors "hose incoe is ore than 8. la#h

1 those people ha%e also a perception in the ind that it is ris#y.

But if "e put a si!ht on the current situation than "e find that the stoc#

ar#et is perforin! "ell, so there is ore chances of increase in

in%estent in shares in near future.


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Ta+?11

$r#rrd o-tion #or invst!nt +asd on inco! %rou-

0&2I0N IN30-E

LE44 2/AN 8.

LA(/

8. 20 = LA(/ -0RE 2/AN =

LA(/

BAN( G =CG 8=G

&&FKN43 :G 8:G :G

B0N+4 :G =G :G

IN4$RAN3E :G D:G 8DG

-$2$AL F$N+ :G =G 8=G

4/ARE4 :G =G :G


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GRA$H 11

.8

.:

.=

.D

.F.

.C

B A N (

& & F K N 4

3

B

0 N + 4

I N 4 $ R

A N 3 E

- $ 2 $ A L

F $ N +

4 /

A R E 4

IN30-E LE442/AN 8.F

IN30-E 8.F 20

= LA(/

IN30-E -0RE

2/AN = LA(/

Intr-rtation5

2he 2able indicates the preferred option for in%estent of the different

in%estors based on incoe !roups. It is 7uite clear for the abo%e table that

in%estors, "hose incoe is ore than = la#h, they "ant to in%est their

oney in utual fund and shares for hi!h return. 0n the other hand

in%estors, "hose incoe is less than 8. la#h, they are ore concerned

about the security because they do not ha%e so uch oney. -iddle

incoe !roup "antboth security and return as a result they can ta#e soe

ris#.


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Ta+?1*

$ur-os o# th Invstor +asd on

Inco! Grou-

&$R&04E IN30-E

LE44 2/AN 8.

LA3

8. 20 = LA3 AB0E = LA3

4E3$RI2Y CG G :CG

RE2$RN :G =8G DG

2AJ

BENEFI2

DG @G ==G

GRA$H 1*

G

8G

:G

=G

DG

G

G

CG

G

LE44 2/AN

8. LA3

8. 20 =

LA3

AB0E =

LA3

4E3$RI2Y

RE2$RN

2AJ BENEFI2


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Intr-rtation5

2he 2able and !raph sho"s the purpose of in%estors based on incoe

!roup.

In%estors "hose incoe is abo%e three la#hs,

1 they are ore conscious about ta benefit rather than other !roups.

2 2hey are also ready to ta#e ris# for hi!h return.

In%estors "hose incoe is less than 8. la#hs,

4 they are ore conser%ati%e and "ant only security of their oney.

In%estors "hose incoe is bet"een 8. to = la#hs

5 they "ant security as "ell as hi!h return .


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LI(ITATION O" THE

STD

LI(ITATION O" THE STD

Each and e%ery study ust ha%e soe liitations because no one is

sufficient in itself. 4o this study also ha%e soe liitations. 4oe of the

a)or are as follo"s'

• 2he study area is only related to the in%estors of dhi only and saple

si5e ay sall only 8 shop#eepers.


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• 2he study is basically based on the &riary data and obser%ation, the

possibility of the personal control be o%er ruled.

• +urin! study, it ay be possible that the re7uired source of inforation

is not a%ailable.

• As anully analysis is done, so fe" error ay be there e%en there are

lot of precautions.

• -any of respondents "ere not ready to !i%e eact inforation because

they feel lac# of their secret.


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RECO((ENDATIONS

2

SGGESTION

RECO((ENDATIONS

Ti No69 Indian !ar;t is in nascnt sta%< So thr is ot o# sco- in that Industr'<

So Co!-an' has to #oo6 ths rco!!ndation 2 su%%stion<

• A lot of "or# is needed to spread a"areness aon! people.

• Ad%ertisin! is the best tool to create a"areness aon! the in%estor;s for

-utual Fund and 4hares e.!. presentations, print edia, 2 channels.


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• 2heir ust be full custoer satisfaction.

• 0nline 2radin! is necessary, so


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CONCLSION

CONCLSION

+urin! y research pro)ect, I ipro%ed y #no"led!e about the

ar#etin! techni7ues, "hich is beneficial for y future. I !ot the

eperience fro different type of custoer. /o"e%er, after !ettin! the

#no"led!e about the products as "ell as about the custoers I can say

that

Fro the abo%e study "e can conclude that


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1 -ost of the people does not ha%e any #no"led!e about -utual Fund

2

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