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Chandrabhan Sharma College of Arts, Science and Commerce

Adi Shankaracharya Marg, Powai Vihar Complex,

Powai, Mumbai -400076

“A Study on personal money management”

A Project submitted to

University of Mumbai for partial completion of the degree of

Bachelor of Management Studies

Under the Faculty of Commerce

Submitted by

‘CHAVHAN SUNIL DHARMA’

Under the guidance of

‘Prof. Arpita. Atibudhi’

Academic Year: 2018 – 2019


CHANDRABHAN SHARMA COLLEGE OF ARTS,

SCIENCE AND COMMERCE

DECLARATION

I, CHAVHAN SUNIL DHARMA student of CHANDRABHAN SHARMA COLLEGE OF


ARTS, SCIENCE & COMMERCE, T.Y.BMS, Semester – VI (2018-19), hereby declare that
I have completed the Project work titled “A Study on personal money management” as a
part of my academic fulfilment. The information contained in this Project work is true and
original to the best my knowledge and belief.

Place: Mumbai

Date: Signature of the Student


CHANDRABHAN SHARMA COLLEGE OF ARTS,

SCIENCE AND COMMERCE

ACKNOWLEDGEMENT

To list who all have helped me is difficult because they are so numerous and the depth is so
enormous.
I would like to acknowledge the following as being idealistic channels and fresh dimensions in
the completion of this project.
I take this opportunity to thank the University of Mumbai for giving me chance to do this
project.
I would like to thank my Principal, Mrs. Pratima Singh for providing the necessary facilities
required for completion of this project.
I take this opportunity to thank our Coordinator Dr. Tushar Agarwal, for his moral support
and guidance.
I would also like to express my sincere gratitude towards my project guide Prof. Arpita.
Atibudhi, whose guidance and care made the project successful.
I would like to thank my College Library, for having provided various reference books and
magazines related to my project.
Lastly, I would like to thank each and every person who directly or indirectly helped me in the
completion of the project especially My Parents and Peers who supported me throughout my
project.

Signature of the Student


CHANDRABHAN SHARMA COLLEGE OF ARTS,
SCIENCE AND COMMERCE

CERTIFICATE

This is to certify that CHAVHAN SUNIL DHARMA student of T.Y.B.M.S. (2018-2019) has
prepared a project report on “A Study on personal money management” as a part of the
academic fulfilment of T.Y.B.M.S. degree under the guidance of Prof. Arpita Atibudhi The
information contained in this Project Work is true and original to the best of our knowledge
and belief.

Signature of Project Guide Signature of Principal

Signature of Course Coordinator Signature of Examiner


CONTENTS
Chapter Sr. TITLE NAME Pg.
NO. No. No.
1 INTRODUCTION TO SUBJECT 1
1.1 Introduction 2
1.2 What is personal finance 3
1.3 Steps in managing your money 4
1.4 Basic rules to budgeting and personal money management 5
1.5 What is a financial plan 7
1.6 A successful money management plan 9
1.7 Personal financial statement 11
1.8 Primary objectives and goals of financial management 12
1.9 Financial assessment of company profile or an individual 14
1.10 Debt management 17
1.11 Scope of financial management 20
1.12 Importance of financial management 22
1.13 Sources of investments 24
1.14 Mutual funds 31
1.15 Insurance planning 34
1.16 Retirement planning 38

2 LITERATURE REVIEW 41
2.1 Literature review 42

3 NEEDS, OBJECTIVE & RESEARCH METHODOLOGY 44


3.1 Needs of the subject 45
3.2 Objective 46
3.3 Research methodology 47

4 DATA ANALYSIS, INTERPRETAION & FINDINGS 49


4.1 Data analysis 50
4.2 Findings 55

5 CONCLUSION, BIBLIOGRAPHY & APPENDIX 56


5.1 Conclusion 57
5.2 Bibliography 58
5.3 Appendix 59