Chapter -4
DATA ANALYSIS AND INTERPRETATION
1. Age Group:
Table No: 1
Age 0-15 18-30 30-45 45-60
Percentage 0% 18% 46% 36%
Graph No: 1
Age group invest most
46%
50%
40% 36%
30%
18% Percentage
20%
10%
0%
0%
0-15 18-30 30-45 45-60
Above graph shows which age group of people is doing investment maximum. Although
this is not a true indicator of market share, it gives us some idea or the closeness in which
age group doing more investment. Here, age group up to 15years people are not investing
their money, in the 18-30years 18%, 30-45years 46% and 45-60years 36% people are
doing investment.
2. Gender:
Table No: 2
Gender Male Female
Percentage 68% 34%
Graph No: 2
Gender Invest most
80% 68%
60%
40%
34%
Percentage
20%
0%
Male Female
Above graph shows who are doing more investment, male or female. Here, in this graph
68% people are male investors and 34% people are female investors.
3. Occupation:
Table No: 3
Occupation Business Govt. Pvt. Employees StudentOther
employee
Percentage 24% 14% 36% 8%20%
Graph No: 3
Occupation
36%
40%
30% 24%
20%
20% 14%
10% 8%
0% Percentage
Above graph shows who are doing investment more on the bases of occupation. Here,
Businessman 24%, Government employee 14%, Pvt. Employee 36%, student 8%, other
20% of people are investors.
4. Investment Options:
Table No: 4
Investment Mutual FundDerivatives Real Government Bank Equity
Option Estate Bonds Deposits
Percentage 100 10 32 36 6432
Graph No: 4
Investment Option
150
100
100 64
50 32 36 32
0 10
Series2
Above graph shows from the total investment option, 100 people are investing in MF, 10
in Derivatives, 32 in real estate, 36 in government bonds, 64% in bank deposits and 32%
in equity.
5. Types of Schemes by Structure:
Table No: 5
Schemes Open Ended Fund Close Ended Interval
fund Schemes
Percentage 56% 34%10%
Graph No: 5
Schemes
60% 56%
50%
40%
34%
30%
20% Percentage
10%
10%
0%
Open Ended FundClose Ended fundInterval Schemes
Above graph shows investors are investing in which fund more. Here, 56% in open
ended, 34% in close ended and 10% in interval fund.
6. Types of schemes by Investment Objective:
Table No: 6
Types of Equity Debt scheme Balanced
schemes Schemes scheme
Percentage 40% 30% 30%
Graph No: 6
Types of schemes
50%
40% 40%
30% 30% 30%
20% Percentage
10%
0%
Equity SchemesDebt schemeBalanced scheme
Above graph shows which types of scheme investors investing most. Here, 40% equity
schemes, 30% debt schemes, 30% Balanced schemes.
7. Types of Funds:
Table No: 7
Funds Tax saver Index Sactorial Diversified
Funds Funds Funds
Percentage 38% 18% 12% 32%
Graph No: 7
Funds
38%
40% 32%
30%
20% 18%
10% 12%
0% Percentage
Tax saverIndex Funds Sactorial Diversified
Funds Funds
Above graph shows which funds investors prefer to invest. Here, 38% in Tax saver funds,
18% in index funds, 12% in sactorial funds and 325 I diversified funds.
8. Revised Portfolio:
Table No: 8
Revised Monthly Quarterly Half Yearly
Portfolio Yearly
Percentage 28% 46% 12% 14%
Graph No: 8
Revised Portfolio
46%
50%
40%
28%
30%
20% Percentage
12% 14%
10%
0%
Monthly Quarterly Half Yearly Yearly
Above graph shows how frequently investors are revised their portfolio. Here, 28%
people are monthly, 46% quarterly, 12% half yearly and 14% yearly.
9. Part of Income Invest:
Table No: 9
Income Invest Up to 10-20% 20-30% More
10% than 30%
Percentage 26% 64% 8% 2%
Graph No: 9
% of Income Invest
70% 64%
60%
50%
40%
26%
30%
Percentage
20% 8%
10% 2%
0%
Up to 10%10-20%20-30%More than
30%
Above graph shows how many percentage of income investors are investing. Here, 26%
people are investing their up to 10% income, 64% people are 10-20% income, 8% people
are 20-30% income and 2% people are more than 30% income.
10. Preferable tools:
Table No: 10
Tools SIP Lump sumBoth
Percentage 54% 10%36%
Graph No: 10
Tools
60% 54%
50%
40% 36%
30%
20% Percentage
10% 10%
0%
SIPLumpsumBoth
Above graph shows investors are preferred which tool most. Here, 54% investors
preferred SIP, 10% investors preferred lump sum and 36% investors preferred both.
11. SIP Allocation for monthly Investment:
Table No: 11
Allocation <1000 1000- 3000- >5000
3000 5000
Percentage 10% 56% 14% 20%
Graph No: 11
SIP Allocation
60% 56%
50%
40%
30%
20% Percentage
20% 14%
10%
10%
0%
<10001000-30003000-5000>5000
Above graph shows allocation criteria for SIP. 10% investors are monthly investing
<1000,56% investors are 1000-3000, 14% investors are 3000-5000 and 20% investors are
investing >5000 monthly.
12. Time Period of Investment:
Table No: 12
Time 1year 1 to 3 3 to 5more than
Period 5 years
Percentage 20% 36% 30%14%
Graph No: 12
Time Period
40% 36%
30% 30%
20% 20%
10% 14%
0% Percentage
1year1 to 33 to 5more than 5
years
Above graph shows investors are invest their money for how much time period. Here,
10% investors are investing for 1year, 36% investors for 1 to 3years, 30% investors for 3
to 5years and 14% investors for more than 5years.
13. Giving more Profit:
Table No: 13
SIP Lump sum
Percentage of Profit 78% 22%
Graph No: 13
Percentage of Profit
100%
80% 78%
60%
40%
20% Percentage of Profit
22%
0%
SIPLumpsum
Above graph shows which is gives more profit, sip or lump sum. Here, 78% for SIP and
22% for Lump sum.
14. Reason For SIP/ Lump sum:
Table No: 14
Reason Amount of Risk Return Time Market
Investment Period Fluctuation
Frequency 64 20 44 10 54
Graph No: 14
Reason for SIP/Lump sum
80 64
60 54
44
40
20 Frequancy
10
20
0
Amount of Risk ReturnTime PeriodMarket
Investment Fluctuation
Above graph shows the reason behind, why investors go for systematic investment plan or lump
sum investment. Here, amount of investment, market fluctuation and Rate of return are the major
reason for investors to choose SIP or Lump sum.
15. Benefits of SIP:
Table No: 15
Benefits of Small Amount of Monthly Advantages of No need to Easy
SIP investment savings market remember the Liquidity
fluctuation Track
Frequency 77 82 54 32 10 38
Graph No: 15
Benefits of SIP
100
77 82
80
60
54
38
40 32
Frequancy
20
0
SmallMonthly Advantages No need to Easy
Amount ofsavings investment
of market remember fluctuation theLiquidity
Track
Above graph shows why investors prefer systematic investment plan. Here, the major
benefits of the sip are the monthly savings, small amount of investment and advantages
of market fluctuation. Because of these are the benefits, investors choose systematic
investment plan.
Return on SIP and Lump sum investment from Different Schemes
For comparative analysis between systematic investment plan and lump sum investment
and to know which is the better option to invest in mutual fund Here, we are taking data
of best companies’ top schemes, the data includes return on SIP and Lump sum
Investment of 10years (in %) on the bases of secondary data.
Equity Funds
Large Cap Funds
Return on SIP of last 10years (in %)
Table No: 16
Starting-April 2020 2018 2016 2014 2012 2010
month of
Years 1 3 5 7 10 12
Invested 1,20,000 3,60,000 4,80,000 8,40,000 1,200,000 1,440,000
Amount
Schemes Returns % - CAGR
Birla Sun 11.50 6.44 11.74 11.19 17.40 -
Life Equity
Fund - Gr
DSP Black -0.91 2.23 8.33 9.06 16.71 -
Rock Top
100 Fund-
Growth
HDFC Top 2.51 2.44 10.45 10.72 18.17 23.15
200 Fund-
Growth
Mid Cap Funds
Table No: 17
Starting-April 2020 2018 2016 2014 2012 2010
month of
Years 1 3 5 7 10 12
Invested 1,20,000 3,60,000 4,80,000 8,40,000 1,200,000 1,440,000
Amount
Schemes Returns % - CAGR
DSP Blak Rock -6.67 -0.15 11.77 - - -
Small & Midcap
Fund
IDFC Premier 4.94 6.98 16.00 16.41- - -
Equity Fund
Small Cap Funds
Table No: 18
Starting-April 2020 2018 2016 2014 2012 2010
month of
Years 1 3 5 7 10 12
Invested 1,20,000 3,60,000 4,80,000 8,40,000 1,200,000 1,440,000
Amount
Schemes Returns % - CAGR
Sundaram - 12.70 12.42 11.06 - -
SMILE
Funds- Growth
DSP Black -14.85 -3.02 11.70 - - -
Rock Micro
Cap Fund –
Growth
Return on Lump sum of last 10years (in %)
Table No: 19
Equit y NAV 180Da 1yea r 2yea r 3yea r 5yea r 7yea r
Fund Growth Dividend
ys
s
Birla Sun 94.6700 21.1100 2.70 16.55 3.38 5.33 8.35 13.02
Life Equity
Fund -
Gr
DSP 102.086 20.0730 -2.37 5.01 0.88 3.54 6.85 11.37
Black Rock
Top 100
0
Fund-
Growth
HDFC 210.485 37.5340 -1.78 6.99 -0.29 4.44 9.13 11.79
Top 200
Fund-
0
Growth
DSP 11.79 12.1400 -6.29 4.79 1.01 4.36 9.32 -
Blak Rock
Small &
Midcap
Fund
IDFC 36.5048 21.5498 -0.11 13.12 8.81 9.81 12.37 16.27
Premier
Equity Fund
Sundara m 27.95289.9836 -12.75 1.32 -3.90 -3.23 3.70 7.30
SMILE
Funds-
Growth
DSP 14.82809.0040 -11.32 1.29 0.92 3.28 8.34 -
Black Rock
Micro Cap
Fund –
Growth
Balanced Funds
Table No: 20
180Days 1year 2year 3year 5year 7year
NAV
HDFC 222.4660 -2.69 5.39 2.74 7.02 11.37 12.91
Prudence
Fund-
Growth
DSP 66.6880 -2.60 4.28 1.03 3.69 6.96 10.09
Black Rock
Balance
Fund-
Growth
Theme Funds / Sector Funds
Table No: 21
NAV 180Days 1year 2year 3year 5year
Growth Dividend
ICICI 24.5700 -7.07 -0.41 -8.58 -5.55 -0.61
Prudential
Infrastructur e
Fund
Reliance 105.6714 -0.67 14.32 -0.81 10.25 14.58
Banking
Reliance Pharma 65.3336 0.16 19.82 11.37 10.69 23.85
Reliance 48.2050 -16.04 -12.14 -17.14 -15.18 -5.68
Diversified
Power
Sector Fund
From above all 10years data, we can see that the SIP % of return is higher than the
Lump sum investment % of return.
Comparative Analysis between Systematic Investment Plan and Lump sum
Investment
Following is the example how Mutual SIP Scheme Return on Investment is calculated .
Table No: 22
Table No: 23
