Findings: -
Majority of investors are male rather than female. Majority of investors are 30 – 45 years old
who investing in mutual fund. Business mans are mostly invested in mutual funds and retired
and government employees are very less investing in mutual fund.
The majority of investors i.e. 43.3% of investors invest their 10% - 20% of percentage of
savings in mutual funds and only few investors i.e. 4% of investors invest their more than
30% of percentage of savings in mutual funds.
Majority of investors invest in mutual fund schemes from two years and few investors invest
in mutual fund schemes from more than four years.
From the mean majority of investors prefer bond/debenture, post office schemes, real estate,
gold, insurance, equity share and mutual funds select as a form of investments and only few
investors prefer term deposit as a form of investment.
Majority of investors i.e. 60% of investors purchase mutual funds from bank and few
investors i.e. 2.7% of investors purchase mutual funds from other sources.
Majority of investors making investment in close ended scheme of mutual fund and only few
investors making investment in interval schemes of mutual fund.
Majority of investors are invested in debt fund of mutual funds and only few investors are
invested in balanced fund of mutual funds.
Majority of investors i.e. 89% of investors use SIP (Systematic Investment Plan) mode of
investment for investing in mutual fund and few investors i.e. 33% of investors use lump sum
mode of investment for investing in mutual fund.
Investors mostly preferred ICICI prudential mutual fund, HDFC mutual fund, Reliance
mutual fund, SBI mutual fund, Kotak Mahindra mutual fund, Aditya Birla mutual fund, L &
T mutual fund, Axis mutual fund, IDFC mutual fund and Motilal Oswal mutual fund for
investment in mutual fund and not at all investors prefer DPS Black Rock mutual fund for
investment.
Majority of investors invest in mutual fund from medium term (1-5 years) period of time and
few investors are investing in mutual fund from short term (less than 1 year) period of time.
Investors mostly prefer financial advisor, agent/broker, internet, own knowledge,
family/friends as a source of information for making investment and not at all investors prefer
advertisement as a source of information for making investment.
57.3% of investors have good knowledge about making investment in mutual fund and 4.7%
of investors have poor knowledge about making investment in mutual fund.
Investors consider return of schemes, safety of investment, expert advice, tax benefit, capital
appreciation, dividend income, regular income, risk exposure, fund reputation and brand
name, fund past performance and ratings of scheme as a most important factors while
investing in mutual fund scheme and broker recommendation is not at all important while
investing in mutual fund.
54.7% of investors prefer to receive return on mutual fund schemes from dividend payout and
45.3% of investors prefer growth in NAV for receive return on mutual fund schemes.
Majority of investors receive between 8% - 15% of average return from investment in mutual
funds and few of investors receive average return above 15% from investing in mutual fund.
Recommendation: -
Females are investing less in mutual fund so, make more interaction with females help to
make them to invest in mutual fund and increase the female investors in mutual funds.
Focus on other types of employment mainly, professionals and public they get more money,
if they know about mutual funds then definitely, they will invest in mutual fund. Retired
people very less invest in mutual fund so, guide them and provide sufficient knowledge about
mutual funds which help them to invest in mutual funds.
Investors aware about mutual funds but they invest low percentage of their savings in mutual
fund so, better to explain the advantages and future benefits to the investors for investing in
mutual funds and give more idea to them.
Explain the different types and schemes of mutual fund to the investors and benefit of
investing in mutual funds and future returns also. so, they can invest more in mutual funds.
Give the knowledge about different types of modes of investment so, they can use different
modes for investing in mutual funds.
Increase the marketing and promotional activities like advertisement to make the awareness
about mutual fund and investors use as a source of information for making investment.
Conclusion: -
The investment pattern varies with gender, age, occupation and annual income. In Surat city
many of the investors thinks that mutual fund is much reliable way to invest in stock market
and they are ready to invest in mutual funds.
The money is collected is then invested in instruments of the capital market such as shares,
debentures, and other securities. The income earned through these investments and the
realized capital appreciations are shared by its unit holders in proportion to the number of
units that they own.
According to survey, it is concluded that ICICI Prudential Mutual Fund is most preferable
mutual fund in Surat city. Investors invest more in ICICI prudential mutual fund then another
mutual fund.
The amount of percentage of savings invested in mutual fund is low needs more marketing
and advertisement to improve the investors in mutual funds. Investors always want high
return low risk for that investors need to wait for particular time period.
In Surat city investors have good knowledge about Surat city and also investing in mutual
fund. Hence, it can be concluded from the above research that investment pattern of investors
in mutual fund in Surat city required to improve the knowledge for females so they can also
invest more in mutual fund and provide knowledge about schemes and future benefits to the
investors.
