About The Company

ABOUT THE COMPANY
M.D. Associates & Investments
Address: A-4/5, Laxmi Gopal Complex, Dhamdod Road, Bardoli.
Incorporation Year: 2017
Website: www.mdinvestments.co.in
Founder of MD Group: Mansi Desai and Nilay Desai
The firm working in the field of corporate insurance and taxation started a year. M.D.
Associates & Investments is the only firm in Bardoli which provide all kind of
financial solution like Income tax, GST, Insurance, Mediclaim, Mutual Fund, and
Broking. Within a very short time, it achieved many milestones.
 New India Assurance Company Awarded for the best Insurance advisor for securing
1st rank in entire Gujarat.
 United India Insurance Company awarded Precious award for the best emerging
advisor in India.
 In the field of taxation, the highest number of files is compared to any other
individual Chartered Accountant firm in Bardoli.
 Best Mutual Fund advisor award.
 They have authorized the NSDL center.
They started with 3 employees now within a year they are having a team of 20
employees. They open up 5 more firms having the name government-approved M.D.
Engineering & Material testing laboratory, Arth Educare/ First placements, K.D.
Associates & Investments, M.D. Envirocare.
This would not possible without the trust of their clients and the dedicated work of
their employees. They are committed to providing excellent services to their clients
in the upcoming year.
Services:
 Income tax/ Audit
 GST
 Mutual Funds
 Insurance(Life & General)
 Broking
 SIP
 Pan/ Tan/TDS
 Udhoyog Aadhaar
 All types of deed
 Loan
RESEARCH TITLE
“A Study on Investors Perception towards Mutual Funds in Bardoli”
Mutual Fund
Mutual Fund is an excellent investment option to spark investors’ funds for
professional management, diversification of risk, advancement of returns, and limited
effective tax liability as compared to any other investment alternatives. Even when the
investment horizon is for a few days, mutual funds investment will earn for the
investor.
How do Mutual Funds work?

An investor invests at one time or on monthly basis. The concept of investing monthly
is called SIP (Systematic Investment Plan). A Mutual Fund is a belief that combines
the savings of some investors who share a mutual economic goal. The money thus
received is then invested in capital market instruments such as shares, debentures, and
other securities. The income received through these investments and the capital
appreciations known is shared by its unit holders in percentage to the number of units
owned by them. Thus a Mutual Fund is the most sufficient investment for the
common man as it offers an opportunity to invest in a diversified, professionally
managed basket of securities at a quite low cost.
How to Invest in Mutual Funds?

Investors can invest directly with a mutual fund or pay the services of a mutual fund
advisor. If he is investing directly, he will invest in the direct method of a mutual fund
scheme. If he is investing through an advisor or mediator, he will invest in the normal
plan of the scheme. If he wants to invest directly, he will have to explore the website
of the mutual fund or its authorized branches with applicable documents. The benefit
of investing in a direct plan is that the investor saves on the commission and the
money invested would boost sizeable returns over a long duration. The biggest
drawback of this method is that investors will have to complete the formalities, do the
research, and monitor their investment all by themselves.
Types of Mutual funds
1. Based on Asset Class

 Equity Funds
 Debt Funds
 Money Market Funds
 Hybrid Funds
2. Based on structure
 Open-ended Funds
 Closed-ended Funds
 Interval Funds
3. Based on Investment Goals

 Growth Funds
 Income Funds
 Liquid Fund
LITERATURE REVIEW
1. (Tripathy & Kumar Patjoshi, 2020) have conducted a Study on the

Awareness and Perception of Investors towards Indian Mutual Funds. From this
study, they found that the mutual funds industry is still in its phase of growth and as
most of the respondents are not fully aware of mutual funds. The study shows that
various demographic variables like age and education have a significant impact on
investors’ awareness. The significant based of data for them are that bankers and
relatives & friends. The company has to focus on regular customer awareness
programs for safeguarding their customers and influencing them to invest in mutual
funds as they are aware of the mutual funds. It also found the opinion of the
investors and perception has been studied relating to various issues like type of
mutual fund schemes, the main objective behind investing in mutual fund scheme,
level of satisfaction role of bankers and financial advisor.
2. (Naik &Pramodgoudar, n.d.) have conducted A Study on Investors’

Perceptions Towards Mutual Funds With Due Reference to ‘SBI Mutual Funds’in
Mysuru, India. They targeted the 20-30 age group of people for this study and used
both techniques of data collecting primary & secondary as both were required. From
the survey data, they found that 70% have invested in mutual funds. 30% have not
invested in mutual funds.
(Bindal et al., n.d.) (2019) have researched Investors' Perceptions towards Mutual Fund
Investments (Alwar City). An International Journal of Engineering and Management
Research is used for the research. The primary data used for the research. The objective of the
research is to study the There are no sources in the current document
3. investor's responsiveness and liking in mutual fund schemes and the factor
influencing the investors in selecting mutual fund schemes. The research concluded
that the Majority of the respondents are aware of the risk in mutual fund investment
(80%) and say yes to making future investments in mutual funds (80%). The
majority of the investor's problems faced by mutual fund investments are unable to
aware of market value. Handling a profitable Mutual Fund requires entire awareness
of the aspects of the Indian Stock Market and the attention of the little financial
consultants.
4. (Mishra, 2019) have research on Investor’ Perception Towards Mutual Fund
In The City Of Bhubaneswar. From the study, they comprise that the volume of male
investors is more, the difference is not large from the female investors. So, gender is
not a factor that influences investment decisions in mutual funds. People between
the age of 25 to 50 chosen to invest more in mutual funds. Business-class people
invest in mutual funds more than any other instruments or schemes. People who are
more educated have more knowledge in mutual funds and tend to invest in mutual
funds more than any other avenue of investment.
5. (Sampath Kumar et al., n.d.) have researched investors' perceptions towards

mutual funds in Bengaluru, Karnataka. An International Journal of Advance and
Innovative Research is used for the research. The study is mainly dependent upon
primary data. For this study, the structured Questionnaire which consists of 5 points
Likert scale was presented to the respondents to collect their views. The objective of
the research is to determine the association between the demographic profile of
respondents and various factors influencing the investment in mutual funds and
know the significant relationship among the factors influencing the Investor's
perception towards the performance of mutual funds. The research concluded that
the Majority of the respondents (52.4%) are female and a maximum of 63.1%of the
respondents are of the age group 20-30 years.
6. (Kaur & Jindal, 2019) have researched on Investment Pattern of Investors

towards Mutual Fund (Ludhiana City). An International Journal of Scientific
Research in Science and Technology is used for the research. The primary data is
collected through a well-structured questionnaire (100). Used for the research. The
objective of the research is to know the perception of investors regarding the
perceived risk and return in mutual funds. . The research concluded that most of the
respondent is aware of MF but still hesitating for investment and their revenue effect
on investment pattern and also they took up SIP for investing tool rather than LIP.
Financial literacy among females and youths will bring huge success to this industry.
7. (Amsaveni&Ranjini, 2018) have researched Investors' attitudes towards
mutual funds (Coimbatore City). An International Journal of Advanced Scientific
Research and Management is used for the research. The Primary data was collected
using the questionnaire method (150). The purpose of the research is to specify the
investor's attitude toward mutual funds and to evaluate the factors involving
investors' attitudes towards mutual funds. The research concluded that most people
are hesitant in going for new age investments like mutual funds and select to avoid
risks by investing in less risky investment alternatives like recurring deposits and so.
8. (Ainapur, 2018) has researched Investors' perception towards Mutual Funds

in Bidar city, Karnataka. The objective of the research is to understand the concept
of SIP and understand investors' perceptions towards SIP. The sample size is
constrained to 50 Respondents. From the above study, it can be concluded that very
few investors are aware of Mutual Funds in Bidar City but those who have invested
in these funds are pleased and earned decent profit. Know it is a challenge for the
stockbrokers to create awareness of Mutual funds in society and explain to them that
how best their funds are managed by the asset manager based on their risk-taking
ability.
9. (Sangeetha S, n.d.) researched Investors' Perceptions towards Mutual Funds

with special reference to Coimbatore city. The objective of the research is to find out
the factors that influence investors to prefer the investment in mutual funds. Samples
of 50 respondents were selected by applying the convenient sampling method. With
the emergence of difficult rivalry in this sector, mutual funds are introducing a
variety of schemes that will rule a particular class of investors.
10. (Hasan Khan & SK, 2017) have researched Investors' Perceptions towards
Mutual Funds in the City of Delhi and Meerut. The objective of the research is to
know investor view towards Mutual funds and to know the preference of investors
toward the specific instrument. The present study is based on primary data which
was collected using the questionnaire method. The data were collected using a
questionnaire from professionals/ common men like those who want to invest in
mutual funds and other investment options. The awareness level of mutual fund
among the investors are very low because of only have partial knowledge about the
mutual fund which prevent them to Invest in a mutual fund to avoid risk-bearing
factor and fear of losing money.

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ABOUT THE COMPANY

M.D. Associates & Investments

Address: A-4/5, Laxmi Gopal Complex, Dhamdod Road, Bardoli.

Incorporation Year: 2017

Founder of MD Group: Mansi Desai and Nilay Desai

How do Mutual Funds work?

How to Invest in Mutual Funds?

1. Based on Asset Class

3. Based on Investment Goals

1. (Tripathy & Kumar Patjoshi, 2020) have conducted a Study on the

2. (Naik &Pramodgoudar, n.d.) have conducted A Study on Investors’

5. (Sampath Kumar et al., n.d.) have researched investors' perceptions towards

6. (Kaur & Jindal, 2019) have researched on Investment Pattern of Investors

8. (Ainapur, 2018) has researched Investors' perception towards Mutual Funds

9. (Sangeetha S, n.d.) researched Investors' Perceptions towards Mutual Funds

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