Project Invest Plan System 1

TABLE OF CONTENTS
ABSTRACT .........................................................................................
5
OBJECTIVE OF STUDY ...................................................................

6
RESEARCH METHODOLOGY ................................................ 7-10
Chapter-1
1.4 LITERATURE REVIEW ...................................................... 11-13
Chapter-2
1.5 INTERDUCTION PART .................................................... 14-15
Chapter-3 1.6 SYSTEMATIC INVESTMENT PLAN

............................. 16-31
Chapter-4
1.7 MUTUAL FUND .................................................................. 32-
50
Chapter-5
1.8 MAJORE PLAYERS IN THE MUTUL ........................... 51-53
Chapter-6
1.9 CONCLUSION ............................................................................
54
Chapter-7
2.0 REFERENCE ..............................................................................
55
ABSTRACT
In the present work we have studied how the investment in mutual

funds through Systematic Investment Plan (SIP) can gain momentum
and increase percentage of income. Investigations are also performed
to find out what percentage of bank customers invest in mutual funds
especially through SIP with specific reference to HDFC Bank, Shyam
bazar Branch, Kolkata, India. In the present analysis we found that
people with higher income tend to show higher risks and service
holders generally prefer investments in fixed deposits, bonds, post
office while the businessmen are more inclined to equity market. By
our present mathematical analysis, we have also established that the
risk in investment by Systematic Investment Plan (SIP) is expected to
be less than that by lump sum investment in mutual funds. Hence, SIP
seems to be a safer and beneficial mode of investment for the small
investors and in a large context it is beneficial also for the big investors.
Our sample study also suggests that young investors are tending
towards mutual fund investments and preferring SIPs more than the
aged investors.
OBJECTIVE OF STUDY
 To understand the concept of investment plan in mutual fund.
 To study the benefits of SIP.
 To find out the preference of the investors for Asset Management

Company.
 To know the preference of the portfolios.
 To know why one has invested or not invested in mutual fund.
 To find out the preferred channels.
 To find out what should be done to boost the mutual fund industry.
RESEARCH METHODOLOGY
The research methodology defines what the activity of research is, how to
proceed, how to measure progress, and what constitutes success. It provides us
an advancement of wealth of human knowledge.
On this project the data is collected mostly from two sources;
➢ Primary data analysis
Age group ➢ Secondary data analysis

40 35
➢ Total Responses- 100 Primary
30 26
21
20
18 data Analysis:
10
1- Age: -
0
Under 30 30 - 40 40 - 50 Above 50 Through my questionnaire survey I
Age group
have included possible investors from
21yrs65yrs age groups. The majority of responses received were
from the student investors and employed individual
investors mostly lying between the age group of
23yrs-
40years.
2- Education Qualification: -
I have collected data from only
Education
educated people from
Others 25 various degrees, mostly from
Post graduate post graduated and graduated which
Gaduate is almost 60% +. Then second
Higher secondary majority is from doctors,
engineers, accountant, bank
28 PO, businessman, teacher,
lowers etc
3- Employment status: -
12
0 10 20 30
35
Education 40
4- Majority of the responses
Employment Status received were from employed
people. “Others” category
Full time
includes students who are
Part time
Self employed
interested in investment by saving
27% 31%
Retired certain amount of their pocket
Others 11% 9% money or savings they make
22%
during their day-to-day life. Then
third majority is self-employed.
5- Aggregate monthly income: -
The maximum percentage i.e.,
28% of responses received fell in
the category of an aggregate
monthly income of Rs 50,000-Rs
70,000 followed up by 25% in the
Rs30,000-Rs 350,000 income
group. This shows us that these
respondents are having a good
saving mentality and are willing to invest. The category of below Rs 20,000 is
mainly student investors and small investors which conveys a message that
they are financially ware of the investment opportunities they can avail even
with comparatively low capital.
6- Do you save money for investment?
The survey results give us a
Savings favourable value of 87% respondents
Yes who save money for investment.
13%
No Hence with this number of investors
my further analysis is feasible.
87%
7- How long do you plan to invest your savings?

More than 10 year 8-According to my study majority of
investors are like to invest within 3 to
5 - 10 year
10years i.e., 50% +. and they are
3 - 5 year preferring for long-term investment.
And the rest are preferring short-term
1 - 3 year
investment.
Upto 1 year
0
5
10
15
20
25 30
8-Where do you invest normally?
This was a multi checkbox question
which allowed the respondents to
choose more than one investment
options. The results showed that the
respondents mainly preferred to invest
in bank and gold. The banks popularity
as an investment option is mainly
because nowadays everyone has a
savings account which gives security,
ease of investment and retrieval, good
interest returns and helps in managing
your own personal savings. Also, Gold is lovable asset then many of the
investor is also like to invest for long-term.
9- Do you invest in Mutual Fund?

56% of the respondents said a NO to
Mutual Fund
mutual funds investment and 44% had
YES as the answer. This tells us that
majority of the respondents do not
Yes No
44% invest in mutual funds and prefer other
56%
investment options as a better
alternative to mutual funds
1. Do you know what Net Asset Value

(NAV) in mutual fund?
A mutual fund's overall cost will depend on the
yes NAV
no price per fund unit. This is the Net Asset Value
or NAV. The total of the market value of all the
shares in a portfolio divided by the number of
23.5
current fund units gives the NAV. So, a popular
fund will have a higher Net Asset Value than a
less popular one. Hence it is very important for
76.5 the investors in mutual funds to keep
knowledge of what NAV is and according to
the survey 76.5% of the investors know the
meaning and importance of NAV.

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TABLE OF CONTENTS

OBJECTIVE OF STUDY ...................................................................

RESEARCH METHODOLOGY ................................................ 7-10

Chapter-3 1.6 SYSTEMATIC INVESTMENT PLAN

In the present work we have studied how the investment in mutual

 To understand the concept of investment plan in mutual fund.

 To study the benefits of SIP.

 To find out the preference of the investors for Asset Management

 To know the preference of the portfolios.

 To know why one has invested or not invested in mutual fund.

 To find out the preferred channels.

➢ Primary data analysis

Age group ➢ Secondary data analysis

7- How long do you plan to invest your savings?

9- Do you invest in Mutual Fund?

1. Do you know what Net Asset Value

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