Вы находитесь на странице: 1из 17



Registration Number: - 420910463

Address for correspondence: - M.S.Ramaiah Management

M.S.R.I.T. post, M.S.R.Nagar,
New Bel Road,

Name of Project Guide:- Miss. Jayashree Kowtal

Designation & Address:-

Title of the project:-

“A Study on Comparative Analysis of Mutual Fund and Other
Investment Options”
Working title-
“A Study on Comparative Analysis of Mutual Fund and Other
Investment Options”

The main purpose of doing this project was to know about mutual fund and its
functioning. This helps to know in details about mutual fund industry right from its
inception stage, growth and future prospects.
It also helps in understanding different schemes of mutual funds. My study depends upon
prominent funds in India and their schemes like equity, income, balance as well as the
returns associated with those schemes.
The project study was done to ascertain the asset allocation, entry load, exit load,
associated with the mutual funds. Ultimately this would help in understanding the
benefits of mutual funds to investors.

“To compare the investment options, its performance and risk & return relationship for better
investment decision”.
It is necessary to specify the objectives of the study. This is because of specification of
objectives will enable us to study various areas and aspects with clarity.

• To know the purpose and performance and of investment in mutual fund

• To know the purpose and performance and of investment in other investment

• To study the risk and return relationship with reference to mutual fund and other
investment s

• To know the form of return on investment

Key Questions-
1) Do you invest in Mutual Funds?

2) If not, then what other option(s) do you prefer to invest?

3) In which sector do you prefer to invest your money?

4) Which factor do you consider before investing in mutual fund or Ulips?
5) How often do you monitor your investment?

Null hypothesis -

• Ho – As a result of derivatives there will be no difference in the investment risk


Alternative hypothesis -
• HA – As a result of derivative market their will be a significant risk reduction in investment

Research Methodology-


Sample Unit: Investors and Non-Investor

Sample Size: This study involves 50 respondents.

Sampling Type: The sample size has been taken by non-random convenience sampling




Data will be collected both from primary as well as secondary sources as described below:

Approach constitutes of both

I. Primary data.
II. Secondary data.


 Questionnaire Analysis (ENCL.)

It refers to those data that was already being corrected by and analyzed by someone else. This
data is collected from

 Journal Reports
 Magazines.
 Newspapers and books
 Website

 Statistical tools-

 Correlation, Graphical analysis, Regression analysis

 Literature review and case studies

 Plan for data analysis: Analysis of data is planned with the help of

 Mean
 Analysis of variance.
 Tabulation


• The study will aim at understanding and analyzing the types Mutual Fund and other
investment options
• I will analyze the funds depending on their schemes like equity, income, balance
• Subject matter is related to the investor’s approach towards mutual funds and other
investment options in Indian market
• The research will be conduct in the geographical area of 1 cities- Bangalore (Karnataka),


• Define the information needed:- This first step states that what is the
information that is actually required. Information in this case we require is
that what is the approach of investors while investing their money in mutual
funds and other investment options, e.g. what do they consider while deciding
as to invest in which of the two i.e. Mutual funds or other investment options.
Also, it studies the extent to which the investors are aware of the various costs
that one bears while making any investment. So, the information sought and
information generated is only possible after defining the information needed.

• Design the research: - A research design is a framework or blueprint for

conducting the research project. It details the procedures necessary for
obtaining the information needed to solve research problems. In this project,
the research design is explorative in nature.

• Specify the scaling procedures: - Scaling involves creating a continuum

on which measured objects are located. Both nominal and interval scales
have been used for this purpose.
• Construct and pretest a questionnaire: - A questionnaire is a
formalized set of questions for obtaining information from respondents.
Where as pretesting refers to the testing of the questionnaire on a small
sample of respondents in order to identify and eliminate potential problems.


No study is free from limitations. The limitations of this study can be:
• The study will conduct only for 4 months
• Sample size taken is small
• The study only conducts in 1 geographical area Bangalore
• Respondent bias and sampling error

Proposed Contents-
Chapter 1: Introduction
This chapter provides the theoretical background of the topic under study. This chapter provides
a brief introduction to the subject under the study including the work and types of Mutual Fund.

Chapter 2: Research design

This chapter provides details such as the Purpose, Aim of the study, Statement of the problem,
Scope of the study, Objective of the study, Approaches of data collection and Conceptual
definitions, Limitations of the study and an overview of the chapter scheme.

Chapter 3: Profile of the industry

This chapter contains a brief profile of the derivative market.

Chapter 4: Analysis & interpretation

This chapter contains an analysis of the primary data and secondary data in line with the
objectives of the study. Tables and graphs drawn from the data collected would support the

Chapter 5: Summary of findings, conclusions and suggestions

This chapter provides a summary of findings, conclusions drawn from findings and also
suggestions would be made based on the analysis giving an overview of the research.

Chapter 6: Bibliography
Dear Sir/Madam,

I would like to introduce myself as a PGDM (AIMA) student of M.S.Ramaiah Management

Institute, Bangalore and doing a project on the topic. “A Study on Comparative Analysis of
Mutual Fund and Other Investment Options”

This project is to be submitted to the AIMA for the award of PGDM. Hence I, request you to
kindly spend few minutes of your valuable time in answering this.

Section A - Identification

1) Name:

2) Age:

a) 20-30 ( ) b) 30-40 ( ) c) 40-50 ( ) d) 50 and above ( )

3) Occupation:

a) Government employee ( )
b) Private Employee ( )
c) Self-Employed ( )
d) Professional ( )
e) Others………………………………........
4) Address:

5) Education:

a) Ssc ( ) b) Puc ( )

c) Graduation ( ) d) Post Graduate ( )

e) Other………………………………..

6) Phone No.:

7) Income :

a) Below 250000 ( )

b) 250000-400000 ( )

c) 400000-550000 ( )

d) 5500000-800000 ( )

e) 800000 and above ( )

8) Normally what percentage of your monthly household income could be available for
a) 10%-15% ( )

b) 16%-20% ( )

c) 21%-25% ( )

d) 26%-30% ( )

e) 30% and above ( )

9) Normally how much income of your monthly household income could be available
for savings:

a) Below 15000 ( )

b) 15000-30000 ( )

c) 30000-45000 ( )

d) 45000 and above ( )

Section B – Investment Objectives

10) What’s your investment objective?

(You can choose more than one options)

a) Dividend gain ( ) b) Capital gain ( )

c) Tax savings ( ) d) Return ( )

e) Low risk and Low Return ( )

f) Moderate risk and Moderate return ( )

f) High risk and High return ( )

11) How did you know about various Mutual Fund Schemes?

a) Bank ( )

b) Agents ( )

c) Newspaper ( )

d) Television ( )

e) Friends ( )

f) Others………………………………………..

12) Which are the investments you have made?

(You can choose more than one options)

a) Financial planning ( )

b) Tax maximizing ( )

c) Mutual funds ( )

d) Real state ( )

e) Home loan ( )

f) Fixed deposits ( )

g) Personal loan ( )

h) Life insurance ( )

i) Health care ( )

13) Since when are you investing in financial instruments?

(a) Less than 3 months ( ) (b) 3 months – 6 months ( )

(c) 6 months – 8 months ( ) (d) 8 months – 12 months ( )

(e) More than 12 months ( )

(f) Others (please specify) ______________

14) What do you think about saving money?

(a) I don’t believe in saving.

(b) I’d like to save, but my expenses & financial commitments do not permit

(c) I try to save whenever & wherever possible.

(d) I always save some percentage of my take-home salary without exception.

(e) Others (please specify) ________________________________

Section C - Your trading information

15) Do you invest in Mutual Funds?

a) Yes ( )

b) No ( )

16) If not, then what other option(s) do you prefer to invest?

a) Fixed deposits ( )

b) Post office ( )

c) Government bonds ( )

d) Insurance ( )

e) Gold ( )

f) Home loans ( )

g) Equity/ Shares ( )

h) Real state ( )

17) In which sector do you prefer to invest your money?

a) Government sector ( )

b) Private sector ( )

18) In the past, you have invested mostly in (choose one):

a) Savings a/c and PO schemes ( )

b) Mutual fund investing in bond ( )

a) Mutual fund investing in stocks ( )

b) Balanced mutual fund ( )

c) Individual stocks & bonds ( )

d) Ulips ( )

e) Other instruments like real state, gold ( )

19) What is your purpose behind investments?

(a) Safety of Capital ( ) (b) Retirement ( )

(c) Beating Inflation ( ) (d) Tax Minimization ( )

(e) Liquidity ( )

(f) Growth of Capital – Returns ( )

(g) Others (please specify) ________________________________

20) Rank the following investment 1 to 8, highest as 1 and lowest as 8?

(a) Bank deposits ( ) (b) Property/Land ( )

(c) Postal deposits ( ) (d) Gold ( )

(e) Life insurance policies ( ) (f) Government bonds ( )

(g) Mutual funds ( ) (h) Equity/Shares ( )

21) Rank the following investment which is the best investment option according you?

(a) Bank deposit ( ) (b) Property/Land ( )

(c) Postal deposit ( ) (d) Gold ( )

(e) Life insurance ( ) (f) Government bonds ( )

(g) Mutual Funds ( ) (h) Equity/ Shares ( )

22) Which factor do you consider before investing in mutual fund or other investment

a) Safety of principal ( )

b) Low risk ( )

c) High returns ( )

d) Maturity ( )

23) Which factor do you consider most important while choosing an investment option?

(a) How quickly will I be able to increase wealth?

(b) The opportunity for steady growth
(c) The amount of monthly income the investment will generate
(d) The safety of investment principal

24) Please indicate your preference on the following investment avenues

Categories Highly Favorable Neutral Unfavorable Highly

Favorable Unfavorable

(a) Share Market

(b)Mutual Funds

(c) Insurance
(d)Bank Deposits

(e) Real state

25) Do you invest your money in share market?

a) Yes ( )

b) No ( )

26) How often do you monitor your investment?

a) Daily ( )

b) Weekly ( )

c) Monthly ( )

d) Yearly ( )

27) Your comfort level in making investment decisions can best be described as

a) Low ( )

b) Moderate ( )

c) High ( )

28) If in the near future if you ever plan to invest in your money in any of the mutual
fund company, which would be your first investment choice?
a) SBI mutual fund ( )

b) HDFC mutual fund ( )

c) Reliance mutual fund ( )

d) ABN AMRO mutual fund ( )

e) Others ( )

29) Would you like to give any suggestions regarding improvement of investment in
Mutual Fund and other investment options?