A PROJECT REPORT ON

A STUDY ON MUTUAL FUND:-

INVESTOR AWARENESS
Submitted to

JANTA COLLEGE BAKEWAR, ETAWAH

In partial fulfillment of the requirements for the award of degree of

MASTER OF COMMERCE

Submitted by: SHAILESH PRATAP SINGH

( Enrollment no: CSJMA22000120097)

Under the guidance of: SHRI GOPI NATH MOURYA

DEPARTMENT OF COMMERCE

JANTA COLLEGE BAKAEWAR, ETAWAH

CSJM UNIVERSITY, KANPUR, U.P.
SESSION: 2023-24
 Faculty of Commerce,
Janta College, Bakewar (Etawah)

(B Grade By NAAC)
1( Affiliato C.S.J.M. University, Kanpur. U.P. India)

(A + + Grade By NAAC)

Date: 04/06/2024

CERTIFICATE

Certified that SHAILESH PRATAP SINGH, (Enrolment No. CSJMA22000120097),

the student of this college has submitted his project report entitled "A STUDY

ON MUTUAL FUNDS: INVESTOR AWARENESS” after completing it

successfully in partial fulfilment of the requirements for the award of the degree

of Master of Commerce of C.S.J.M. University, Kanpur.

Dr. Yogesh Shukla Shri G. N. Maurya

(Head, Faculty of Commerce) (Assistant Professor, Faculty of Commerce)
 Certificate of Originality

I, SHAILSH PRATAP SINGH hereby certify that this Research Project entitled

“A STUDY ON MUTUAL FUNDS: INVESTOR AWARENESS” has been carried

out by me at the Department of Commerce, Janta College Bakewar Etawah, CSJM

University, Kanpur. The Project report has been subjected to plagiarism check by

SMALL SEO TOOLS, https://smallseotools.com/plagiarism-checker/ software and the

similarity has been found to be 15%. The work is submitted in partial fulfillment for

the award of M.Com. Degree.

Shailesh Pratap Singh

( Enrollment no: CSJMA22000120097)

(Name & Signature of Supervisor) (Name &Signature of student)

 DECLARATION

I, SHAILESH PRATAP SINGH, hereby declare that the bona-fide record of

"A STUDY ON MUTUAL FUND: INVESTOR AWARENESS” done in

partial fulfillment of the M.COM Degree program of CSJM University

Kanpur under the guidance of Shri Gopi Nath Mourya , Assistant Professor,

Department of Commerce Janta College Bakewar, Etawah. I also declare that

the project has not formed the basis of reward of any degree or any other similar

title to any other university.

Shailesh Pratap Singh

DATE:- 04/06/2024 Name of the student
 ACKNOWLWDGEMENT

I wish to express my heartfelt gratitude to all the people who have played a crucial
role in the research for this project. Without their active cooperation, the preparation of this
project could not have been completed within the specified time limit.

I am thankful to my project guide, Shri Gopi Nath Maurya sir, who supported me
throughout this project with the utmost cooperation and patience and for helping me in
doing this project.

I am also thankful to my respected professors, Dr. Yogesh Shukla, Dean, Faculty of

Commerce, and Shri Gajendra Singh Sengar, sir, for motivating me to complete this
project with complete focus and attention.

I profoundly express my heartfelt thanks to Prof. Dr. R.K. Tripathi, Principal,

Janta College, Bakewar, for his inspiration and great deal of affection.

Date: 04/06/2024 signature of student

 ABSTRACT

The investment is made with the motive of a regular return without risk. With us, you can see a number of
investment measures, from insurance procedures to stocks and bonds. The type of investment chosen
depends on the amount of income and the investor's capacity to take risk. Mutual funds are a developing
way of investing with great implicit because it has admitted a diverging investment administration with
regular returns and minimized risk. But the awareness he has with regard to the citizen of our country is
really low. Vague knowledge about the same has made numerous stay down or indeed reject such a way
of investing.

This study was undertaken to study the level of awareness of mutual funds among the investing population
in India and to suggest better remedial measures rather than becoming familiar with it.

KEY WORDS:- Mutual fund, investor perception, investor behavior, aims, Investment, risk, return,
awareness, get to know.
 TABLE OF CONTENT

CHAPTER TITLE

Abstract
I Introduction
• Need for the study
• Statement of the problem
• Objective of the study
• Scope of the study
• Significance of the study
• Limitations of the study
• Industry profile
• Company profile
II Review of the literature
III Research Methodology
• Research methodology
• Population
• Research design
• Sampling si
• Sampling method
• Data collection method
• Statistical tools used
• Area of the study
IV Data analysis and interpretation
• Percentage analysis
• Chi square analysis
V Findings, Suggestions, Conclusion
• Findings
• Suggestions
• Conclusion
QUESTIONNAIRE
 CHAPTER – I

INTRODUCTION

INTRODUCTION TO THE TOPIC

Over the past decade, we have noticed an enormous growth in the size of the mutual fund industry in India.
The private sector has seen an increase in treatment growth. With unmatched advancements in information
technology, increased part of institutional investors in the stock market and SEBI still in its immaturity,
players in the M.F. industry have gained unique and unlocked power.

WHAT IS AN INVESTMENT?

Trade off between threat and reward while concentrate on incremental profit and preservation of the
invested amount. In discrepancy, enterprise focuses on" high gain or large loss" and gambling on
"disproportionate gain or total loss".

The two main classes of investments are-

• Fixed income investments similar as bonds, fixed deposits, preference shares

• Investments with variable income similar as business power, property power.

In economics, investment means the creation of capital or goods able of producing other goods or services.
Expenditures on education and health are considered investments in mortal capital and research and
development in intellectual capital.

NEED FOR THE STUDY

• The main purpose of enforcing this design was to know about M.F and their functioning. This helps to
know the mutual fund industry in detail right from its commencement, growth and unborn prospects.

• The research includes only a general study regarding the investment awareness of investors about MF.

• The research would reveal the results regarding the investment awareness of different investors about
mutual fund and therefore help the association to identify the awareness of different investors and
improve the marketing of M.F.
STATEMENT OF THE PROBLEM

Mutual fund is an investment vehicle created by pooling funds collected from dispersed investors to invest
in stocks, bonds, capitalist request instruments or analogous means. Some have served from it and
numerous do not indeed know about this way of investing. The problem was to study and measure people's
awareness of mutual fund in the city. To find out the awareness of investors about mutual fund products.
The study contains an analysis of the investor grounded on his investment aims, age, etc. It can help
counsels and investors to choose the right portfolio. This study conducted to understand the position of
awareness among investors about mutual funds and the way taken to introduce them to implicit investors.

OBJECTIVE OF THE STUDY

• Study and analyze the mutual fund industry.

• Check the position of awareness of mutual fund investors.

SCOPE OF THE STUDY

The aim of the study is to find out investors' preferences, precedence’s and their awareness of various
mutual fund schemes. Data for the study is collected from a sample of 150 investors using convenience
sampling.

SIGNIFICANCE OF THE STUDY

In the current script, mutual fund investment is an excellent source of investment and further it's useful for
the salaried class who get duty benefits. Different traditional investment options are available i.e. gold
investment, government bonds, real estate, postal savings schemes, insurance and fixed deposits etc. utmost
of the investors are getting awareness about mutual fund irrespective of their age, gender and income. etc.
In fact, utmost of the people investing in mutual funds aren't clear about their functioning and operation.

LIMITATIONS OF THE STUDY

i. This audit is reflected on individual guests. So the findings and suggestions handed grounded on
this research can not be decided to the entire population.
ii. The sample size is 150 which is authentically small which isn't enough to study the consumer
awareness in the country.
iii. Respondents aren't honest and don't mind to fill in the questionnaire, so we can not find the right
result.
iv. Because the sampling approach is convenience, particular bias may affect. Thus, a perfect result
can not be achieved.
v. It takes a lot of time to travel to different areas and fill the questionnaire, so the timing of the
design is also limited.
vi. In India people aren't important care full and educated regarding investment plan so to do this type
of research is little hard.

INDUSTRY PROFILE

INTRODUCTION

The Indian financial system grounded on four introductory factors like financial request, financial
institutions, financial services, financial instruments. The main end of the Indian financial system is that
furnishing the efficiently services to the capital request. The first generation reforms started in 1991 the
conception of LPG.( Liberalization, privatization, Globalization) also after1997 alternate generation
reforms was started, still the it's going on, its include reform of artificial investment, reforms of financial
policy, reforms of ex-imp policy, reforms of public sector, reforms of financial sector, reforms of foreign
investment through the institutional investors, reforms banking sector. Harmonious with the growth of
financial sector and alternate generations reforms its need to consummation of the financial sector. The
main vision for the analysis for this study is to check the performance of five star rated mutual funds, given
the weight of threat, return, and means under operation, net means value and price earnings rate.

WHAT IS A MUTUAL FUND?

Mutual fund is the pool of the money, grounded on the trust who invests the savings of a number of
investors who shares a common financial thing, like the capital appreciation & tip earning. The capitalist
collected is invested in capital request instruments similar as shares, debenture, and foreign request.
Investor invest capitalist and gets the unit value which we called as NAV( net asset value). mutual fund is
the most suitable investment for the common man as it offers as occasion to invest in diversified portfolio
operation, good research crew, professionally managed Indian stock as well as the foreign request, the main
end if the fund director is to taking the scrip that have under value and future will rising, also fund director
retail out the stock. Fund director attention on threat- return trade out, where minimize the threat and
maximize the return through diversification of the portfolio. The most common point of the mutual fund
unit are low cost.
ORGANIZATION STRUCTURE OF MUTUAL FUNDS

Mutual fund have association structure as per the SEBI guideline, SEBI specified authority and
responsibility of trustee and asset operation companies. The ideal is to be controlling, to promoted, to
regulate, to cover the investor right and effective trading of units. Operations of the mutual fund start with
investors save their plutocrat on mutual fund, also mutual fund director hadling the fund and strategic
investment on scrips. Unit value will come high when fund director investment policy bring the return on
capital request. Also affects transnational capital request, liquidity and at last profitable policy.

SPONSER

Sponsor is the person who acting alone or in combination with another body commercial establishes a
mutual fund. Guarantor must contribute at least 40 of the net worth of the investment managed and meet
the eligibility criteria specified under the SEBI regulations 1996. The guarantor isn't liable of any loss or
space performing from the operations of the schemes beyond the original donation made by it towards
setting up of the mutual fund.

TRUST

The mutual fund is constituted as a trust in agreement with the vittles of the India trusts act, 1882 but the
guarantor. The trust deed is registered under the Indian enrollment act, 1908.

TRUSTEE

Trustee is generally a company or a board of trustees. The main responsibility of the trustee is to guard of
the interest of the unit holder and insure that AMC functions in the interest of the investors and in
agreement with the SEBI regulations, 1996, the vittles of the trust deed and the offer documents of the
separate schemes.

ASSET MANAGEMENT COMPANY ( AMC)

The AMC is appointed by the trustee as the investment director of the mutual fund. The AMC is needed to
the approved by the SEBI to act as an asset operation company of the mutual fund. At least 50 of the
directors of the AMC are independent directors who aren't associated with the guarantor in any manner.
The AMC must have a net worth of at least 10 cores at all time.
RAGISTRAR AND TRANSFER AGENT

The AMC if so authorized by the trust deed appoints the register and transfer agent to the mutual funds.
The register process the operation form, redemption requests and dispatches regard statements to the unit
holders. The register and transfer agent also handle dispatches with investor records.

GROWTH OF MUTUAL FUND IN INDIA

By the time 1970, the industry had 361 funds with combined total means of 47.6 billion dollars in10.7
million shareholders regard. The 1970 saw a new kind of fund invention; funds with no deals commission
called ‘‘ no load ’’ fund.

In the series of new product, the first plutocrat request mutual fund( MMMF) i.g. the Reserve fund was
started in November 1971. This new conception gestured a dramatic change in mutual fund industry.

TYPES OF MUTUAL FUND IN INDIA

Wide variety of mutual fund schemes exists to feed to the requirements similar as financial positions, threat
forbearance and return prospects etc.

I. BASED ON MATURITY PERIOD

i) OPEN – ENDED FUNDS

You can enter and live these schemes at any time of the time because these don’t have fixed maturity
dates. The schemes declares Net asset value( NAV) on a diurnal base. These schemes are largely liquid as
these allow you to buy and vend units at the prevailing NAV as per your convenience.

ii) CLOSE –ENDED FUND

The schemes remains open for subscription only for a fixed period. You can buy units of this schemes at
the time of new fund offer( NFO) i.e. when it launches for the first time for the subscription. latterly, you
can buy/ sell units of the scheme on the stock exchange.

II.BASED ON INVESTMENT OBJECTIVES

I. EQUITY FUNDS

This fund is applicable if you enjoy threat – tasking & have an investment horizon of further than five
time. this fund enables wealth creation via appreciation of capital through a maturity investment in equity.
a) Index fund

These fund s imitate the investment medium of popular indicators like nifty, BSE Sensitive indicator, etc.
these funds invest in the asset classes in the same proportion as is done by the indicator. accordingly,
NAVs of these fund follow the price movements of securities listed on the indicator.

b) Sector- sepcific fund

Then, investment is made in one of the sectors like IT structure medicinal FMCG, petroleum etc. as
mentioned in the offer document these fund give comparatively advanced return but at the same time are
exposed.

c) Tax – saving funds

These are also called equity linked saving scheme( ELSS) used to save levies these fund offer the shortest
cinch – in period of 3 time, and the portfolio diversifies into equity of small, medial and large caps as per
fun d structure.

d) Diversified Fund

Instead of staking to a particular sector company, these fund invest in a variety of sector like the small;
medial & large cap. The large cap s give stable foundation for the portfolio while medial and small caps
insure a advanced rate of return.

II) DEBT FUNDS

These are lower parlous also equity funds as these considerably invest in fixed income securities of the
varied investment horizon.

Debt funds has following five orders

a) Liquid /Money Market Funds

If investment horizon is over to one time the demesne your plutocrat in these funds for liquidity. These
fund invest in fixed – interest bearing short term investment i.e. storeroom bill, marketable paper,
instrument of deposit etc.
b) Gilt fund

Gilt funds invest primarily in G- sec i.e. government security of medium to long term maturity issued by
the union & state government these securities have zero pitfalls of dereliction.
c) Corporate Bond fund

Corporate bond are good option if you moderate threat appetite coupled with an investment horizon of
horizon around 5 to 10 times. you would get modest growth with regular income but at the same time be
prepared to face credit threat & unpredictable returns.

d) Short term funds, medium term & Long term fund

Short term funds primarily invest in short term debt securities incompletely in long term debt. Go for these
funds when you want to fix your fat funds for 1 to 9 months & bear a borderline increase in your threat
appetite.
Medium term fund are suitable for conservative investor. These fund invest substantially in debt securities
having maturity period up to 3 time and give advanced return in a rising interest rate governance.
Long term funds have investment term of further than a decade and the return are affected by changes in
the interest rate governance in frugality. It's judicious to enter the fund at the time of falling interest rate &
cover the interest rate movement to live at a favorable time.
e) Dynamic Bond funds
Dynamic bond funds highly invested in long term debt securities like commercial bonds and government
securities which are largely sensitive to the interest rate governance. Your fund director would track the
interest rate movement & acclimate the maturity profile of the portfolio.

III) HYBRID/ BALANCED FUNDS

If you want to moderate growth and steady returns. These funds invest both equity and debt in a certain
proportion as mentioned in the offer document.
These funds are 3 orders :-
a) Monthly Income Plans( MIPs)

These funds allocate comparatively advanced plutocrat in debt as compared to equity to give periodic tips
coupled with benefits of long term growth.

b) Fixed Maturity Plans

These are close ended schemes which aim at protection of capital & moderate growth by investment in
both equity and debt.

c) Capital Appreciation Plans

These are close ended schemes which invest both in rated debt instruments and shares of companies.
THE WAY & TYPE TO INVEST IN MUTUAL FUND

Mutual fund typically come out with an announcement in review publishing the date of launch of the new
schemes. Investors can also communicate the agents and distribution of mutual funds who are spread each
over the country for necessary information and operation forms. Forms can be deposited with the mutual
fund through the agents and distribution who give similar services. Now days, the post office and banks are
also distribute the units of mutual funds.

➢ ONE TIME INVESTMENT

The quantum that has to be invested in one time is known as onetime investment. The investor has to
pay the whole quantum at formerly. The minimal quantum is Rs. 5000 and outside is as per the
investors choice.
➢ SYSTEMATIC INVESTMENT PLAN( SIP)

The quantum that has to be invested through same yearly investiture is known as Methodical Investment
Plan. The investor has to pay the minimal amount rs.1000 yearly for all equity and balanced schemes like
that for 6 months. And Rs. 500 yearly for duty redeemer scheme like that for 12 months.

REGULATORY OF MUTUAL FUND IN INDIA

• SEBI

• RBI

• MINISTRY OF FINANCE( MOF)

• COMPANY LOW BOARD

• STOCK EXCHANGE

• OFFICE OF THE PUBLIC TRUSTEE

ADVANTAGES OF MUTUAL FUNDS:- Mutual funds have designed to give maximum benefits to
investors, and fund director have research platoon to achieve schemes objective. Advantages of mutual
fund investment are

i. Portfolio diversification

Mutual funds invest in a well- diversified portfolio of securities which enables investor to hold a diversified
investment portfolio.
ii. Professional Management

Fund director undergoes through colorful research workshop and has better investment operation skill
which insure advanced return to the investor than what he can manage on his own.

iii. Lower Risk

Investors acquire a diversified portfolio securities indeed with a small investment in a mutual fund. The
threat in a diversified portfolio is lower than investing in simply 2 or 3 securities.

iv. Low sale Cost

Due to the husbandry of scale, mutual fund pay lower sale costs. These type of benefits are passed to the
investors.

v. Choice of schemes

Mutual fund give investors with different schemes with different investment objects. Investors have the
option of investing in a scheme having a co-relation between its investment objects and their own financial
pretensions.

vi. Transparency and flexibility

funds give investors with streamlined information pertaining to the requests and the schemes. All material
data are bared to investors as needed by the controller. Investor also benefits from the convenience and
flexibility offered by mutual funds.

DISADVANTAGES OF MUTUAL FUND

The fund director not always made gains but might produce loss for not duly managed. The fund have own
strategy for investment to hold, to vend, to buy unit at particular time period.

i. Costs Control Not The Hands Of An Investor

Investor has to pay investment operation freights and fund distribution costs as a chance of the value of his
investments, irrespective of the performance of the fund.

ii. No tailored Portfolios

The portfolio of securities in which a fund invests is a decision taken by the fund director. Investors have
no right to hindrance in the decision making process of a fund director, which some investors find as a
constraint in achieving their financial objects.
iii. Difficulty in choosing a suitable fund scheme

Numerous investor find it delicate to elect one option from the plethora of funds schemes plans available.
For this, they may have to take advice from financial itineraries in order to invest in the right fund to
achieve their objects.

❖ SEBI REGISTERED MUTUAL FUND COMPANIES IN INDIA

1. Axis mutual fund – MF/061/09/02
2. Baroda pioneer mutual fund- MF/020/94/8
3. Birla sun life mutual fund – MF/020/94/8
4. BNP Paribas mutual fund – MF/049/04/01
5. BOI AXA Mutual fund – MF/056/08/01
6. Canara Robeco mutual fund – MF/004/93/4
7. DSP Blackrock mutual fund – MF /036/97/7
8. EDELWEISS Mutual Fund – MF/057/08/02
9. ESSEL mutual fund – MF/062/09/03
10. Franklin templeton mutual fund
11. HDFC mutual fund – MF/ 044/00/6
12. HSBC mutual fund – MF /046/02/5
13. ICICI Prudential mutual fund- MF/003/93/6
14. IDBI mutual fund- MF/064/10/01
15. IDFC mutual fund- MF/042/00/3
16. IIFCL mutual fund – MF/071/13/01
17. INDIABULLS mutual fund- MF/068/11/03
18. INVESCO mutual fund –MF/052/06/01
19. ITI mutual fund- MF/073/18/01
20. JM financial mutual fund- MF/15/94/08
21. Kotak Mahindra mutual fund- MF/038/98/1
22. L&T mutual fund- MF/035/97/09
23. LIC mutual fund- MF/012/94/5
24. Mahindra mutual fund- MF/069/16/04
25. MIRAE ASSET mutual fund – MF/055/07/03
26. Motilal Oswal mutual fund- MF/063/09/04
27. Nippon India mutual fund- MF/022/95/1
 28. PIGM mutual fund- MF/069/12/01
29. Principal mutual fund- MF/019/94/0
30. Quant mutual fund – MF/028/96/4
31. SBI mutual fund – MF 009/93/3
32. Shriram mutual fund- MF/017/94/4
33. Sundaram mutual fund- MF/034/97/2
34. Tata mutual fund- MF/023/95/9
35. Tarus mutual fund- MF/002/93
36. Union mutual fund- MF/066/11/01
37. UTI mutual fund- MF/048/03/01
38. Yes mutual fund- MF/074/18/02

INVESTMENT STRATEGIES IN MUTUAL FUND

• SYSTEMATIC INVESTMENT PLAN( SIP):-

Under this a fixed sum is invested each month on fixed date of a month. Payment are made through post
dated cheques on direct/ bus disbenefit installations. The investor get smaller units when the NAV is high
and more units when the NAV is low.
• SYSTEMATIC TRANSFER PLAN( STP):-
Under this an investor in debt acquainted fund and gives instructions to transfer a fixed sum, at a fixed
interval, to an equity scheme of the same mutual fund.
• SYSTEMATIC WITHDRAWAL PLAN( SWP):-
If someone wishes to withdraw from a mutual fund also he can withdraw a fixed quantum each month.
 CHAPTER- II

REVIEW OF LITERATURE

Poonam devi, “Performance and analytics study of colorful mutual fund.” Most of the investor like to
invest in mutual fund. Utmost of the people like to invest their wealth for one or three times to get returns
on their investments. People invest in mutual fund to get advanced returns and duty benefits.

Sambath Kumar, “A study on the preference of mutual fund investors and investment performance Page 2
of 3 of the named mutual fund schemes.” The request has came automated, transparent and tone driven. It
has integrated with global request, with Indian companies seeking table in foreign mutual fund exchange,
coastal investment coming to India and foreign mutual fund floating their schemes and therefore bringing
moxie to our requests.

Saranya, Parthiban than gavel, “Performance evaluation of Indian equity mutual fund schemes.” The
study have concluded that the mutual fund is safe investment tool. mutual fund is the only occasion
numerous investor have for investing in an intelligent diversified manner. After studying and assaying
different mutual fund schemes the following conclusion can be made.

B. Kishori N. bhagyasree, “A Study on performance Evaluation of mutual funds schemes in india.”

Results of the study showed that 14 out of 30 sample mutual fund schemes had outperformed of the
standard return. All the schemes have represented positive returns. The result also showed that Reliance
Regular Savings Fund Equity, SBI Contra Fund, 25 HDFC Equity fund of the schemes had
underperformed, these schemes were facing the diversification problem.
 CHAPTER- III

RESEARCH METHODOLOGY

This report is grounded on primary as well as secondary data, still primary data collection was given more
important since it's eavesdropping factor in attitude studies.

One of the most important uses of research methodology is that it helps in relating the problem, collecting,
assaying the required information or data and furnishing an indispensable result to the problem. It also help
in collecting the vital information that's needed by the Top operation to help them for the better decision
making both day to day decision and critical ones.

➢ POPULATION
The target population on was the investors and non- investors of a particular megacity.
➢ RESEARCH DESIGN
Descriptive design
➢ SAMPLING SIZE
➢ The research correspond of the 150 sample size.
➢ SAMPLING METHOD
The sample was collected through particular visits, formal addresses and through filling up the
Questionnaire prepared. The data has been anatomized by using fine or statistical tools.
➢ DATA COLLECTION METHODS
For the purpose of the study two sets of data has been used. The first of data is the primary data and
alternate is secondary data styles.

I. PRIMARY DATA- This type of data has been collected from the investors with the help of a
Questionnaire.

II. SECONDARY DATA:- The alternate set of data used for the study is the secondary data. The
secondary data related to net coffers mustered by banks and financial institution patronized mutual funds,
means under operation, investors mix etc is collected for a period of 2010- 2018. This types of data is
collected from different investment diurnals, magazines, colorful review, RBI reports, securities request
reviews, study of being literature of different in the affiliated field etc.
➢ STATISTICAL TOOLS USED
To carry out the research work different statistical tools are used in order to decide certain meaningful
information and results. In case of primary data chi-square test has been applied and in case of orders
where repliers are needed to give species to different factors calculated.

CHAPTER-IV

DATA ANALYSIS & DATA INTERPRETATION

TABLE 4.1 GENDER OF THE RESPONDENTS

GENDER

Frequency Percent Valid percent Cumulative percent

Valid Male 94 61.4 61.4 61.4

Female 56 38.6 38.6 100.0
Total 150 100.0 100.0
Source:- Primary data

ANALYSIS:-From the all respondents, there are 61.4% male and 38.6% female. It shows that there is
more no. of male than the than the no. of female.

Gender
100
90
80
70
60
50
40
30
20
10
0
Male Female

Figure 4.1
TABLE 4.2 AGE OF THE RESPONDENTS

AGE
Frequency Percent% Value percent Cumulative percent

Valid Below 25 year 55 36.0 36.0 36.0

25 – 35 59 40.0 40.0 76.0
35 – 45 22 14.0 14.0 90.0
Above 45 14 10.0 10.0 100.0
Total 150 100.0 100.0
SOURCE :- PRIMARY DATA
ANALYSIS:-
From all the respondents, there are more people whose age b/w 25-35 years and less no. of people are
having age of less than 45 years.

below 25 yrs 25-35 yrs 35-45 yrs above 45 yrs

Figure 4.2
TABLE 4.3 EDUACATION OF THE RESPONDENTS.
Education
Frequency Percent Valid Percent Cumulative Percent
Valid Higher 13 8.6 8.6 8.6
secondary
Graduate 102 67.4 67.4 76.0
Post Graduate 36 24.0 24.0 100.0
Total 150 100.0 100.0
SOURCE:- Primary Data
ANALYSIS:-
Above graph shows that there are more people completed their graduate degree and post graduate degree.
Higher secondary people are less no. it shows that now a days, level of education is increased.

Education
120

100

80

60
Education
40

20

0
higher secondary graduate post graduate

Figure 4.3
TABLE 4.4 OCCUPATION(WORK) OF THE RESPONDENTS.
Occupation
Frequency Percent Valid Percent Cumulative Percent
Valid Govt. employee 18 11.4 11.42 11.4
Pvt.sec. employee 78 52.7 52.7 64.0
Businessmen 18 11.4 11.4 75.4
professionals 14 10.0 10.0 85.2
Student 22 14.7 14.7 100.0
Total 100.0 100.0
150
SOURCE:- PRIMARY DATA

ANALYSIS:-
To all the respondents, there is more respondents are private sector employees and student. We can see
that lesser no. of respondents are professional, business and government sector employee.

OCCUPATION

Govt employee
pvt.sec. employee
business
professional
student

Figure 4.4
TABLE 4.5 WHAT IS YOUR MONTHLY INCOME/EARNING?

WHAT IS YOUR MONTHLY INCOME/EARNING(apx)?

Frequency Percent Valid Percent Cumulative
Percent
Valid Below rs.25k 64 43.0 48.5 48.5
rs.25k-35k 32 21.0 25.4 73.8
rs.35k-45k 17 10.6 12.3 86.2
Above Rs.45k 16 12.0 13.8 100.0
Total 130 86.7 100.0
Missing System 20 13.3
Total 150 100.0
SOURCE:- Primary Data

ANALYSIS:-

These are many more people who have there monthly income/earnings within Rs.25000 to Rs.45000.
People having income below Rs.25k is more and above Rs.45000 is very lesser.
 What is your monthly income/earning(apx)?

below Rs.25000
Rs.25000 -35000
Rs.35000 -45000
Above Rs. 45000

Figure 4.5

TABLE 4.6 ARE YOU AWARE OR ANY KNOWLEDGE ABOUT MF?

Statistics
Are you aware about MF?

N Valid 150
Missing 0

Are you aware/ having knowledge about mutual funds?

Frequency Percent Valid Percent Cumulative
Percent
Valid Yes 84 55.4 55.4 55.4
No 66 44.6 44.6 100.0
Total 150 100.0 100.0
SOURCE:- Primary Data

ANALYSIS:-

➢ 55.4% of the respondents are aware or having knowledge about mutual funds.
➢ 44.6% of the respondents are not aware or not having any knowledge about mutual fund.
 So Majority of the respondents are aware or having knowledge about mutual fund.

Are you aware or having knowledge about mutual funds?

90
80
70
60
50
40
30
20
10
0
yes no

Figure 4.6

TABLE:- 4.7 HOW MUCH DO YOU AWARE/HAVING KNOWLEDGE ABOUT MF?

Statistics
How much do you aware or having knowledge about mf?

N Valid 150
Missing 0

How much do you aware or having knowledge about mutual funds?

Frequency Percent Valid Percent Cumulative
Percent
Valid Full aware 20 13.4 13.4 13.4
Partial aware 50 33.2 46.2 46.2
Aware only those schemes 19 12.7 59.3 59.3
which have interested in
No any idea 61 40.7 40.7 100.0
Total 150 100.0 100.0
SOURCE:- Primary Data

ANALYSIS:-

➢ 13.4% of the respondents are having full awareness of the mutual funds.
 ➢ 33.2% of the respondents have only partial knowledge of mutual fund.
➢ 12.7% of the respondents aware only of those schemes which they have interested in MF.
➢ 40.7% of the respondents has no any idea about mutual fund.

So the majority of the respondents have no any idea/ knowledge of the mutual fund.

How much do you aware or having knowledge about MF?

80
60
40
20
0
Full aware Partial aware Aware for int. No idea
scheme

Figure 4.7

TABLE 4.8 HOW DO YOU KNOW ABOUT MUTUAL FUNDS?

Statistics
How do you know about mutual funds?
N Valid 96
Missing 54

How do you know about mutual funds?

Frequency Percent Valid Percent Cumulative
Percent
Valid Advertisements channel 17 10.7 16.5 16.5
Distributors 28 18.7 28.9 45.4
Friend/ employee 21 14.0 21.6 67.0
Internet ,social media 32 21.3 33.0 100.0
Total 96 64.7 100.0
missing System 54 35.3
Total 150 100.0
SOURCE:- Primary Data

ANALYSIS:-
 ➢ 10.7% of the respondents know by advertisements channel about mutual fund.
➢ 18.7% of the respondents know through distributors about MF.
➢ 14% of the respondents know through friend/employee about MF.
➢ 21.3% of the respondents know through internet or social media about MF.

So the majority of the respondents know through internet or social media about mutual fund.

How do you know about M.F?

Advertisdments channel
Distributors
friend/employee
Internet, social media

Figure 4.8

TABLE:- 4.9 DID YOU EVER INVESTED IN MF SCHEMES?

Statistics
Did you ever invested in mutual funds schemes?

N Valid 150
Missing 0

DID YOU EVER INVESTED IN MF SCHEMES?

Frequency Percent Valid Percent Cumulative
Percent
Valid Yes 63 42.3 42.3 42.3
No 87 57.7 57.7 100.0
Total 150 100.0 100.0
SOURCE:- Primary Data

ANALYSIS:-

➢ 42.3% of the respondents are invested in various mutual funds schemes.

➢ 57.7% of the respondents never invested in mutual funds.
So the majority of the respondents never invested in mutual fund.

Did you ever invested in Mutual funds schemes?

100
90
80
70
60
50
40
30
20
10
0
Yes No

Figure 4.9

TABLE:- 4.10 IF (YES) THAN IN WHICH TYPE OF M.F. SCHEMES YOU HAVE INVESTED??

Statistics
If (yes), in which type of M.F. you have invested?

N Valid 65
Missing 85

If (yes), in which type of M.F. you have invested?

Frequency Percent Valid Percent Cumulative
Percent
Valid Equity funds 45 26.8 63.6 63.6
Debt. fund 14 11.4 27.0 90.5
Hybrid funds 6 4.0 9.5 100.0
Total 65 42.0 100.0
Missing System 85 58.0
Total 150 100.0
SOURCE:- Primary Data

ANALYSIS:-
 ➢ 26.8% of the respondents have invest in equity fund in different schemes.
➢ 11.4% of the respondents have interested in debt fund in various type of schemes.
➢ 4% of the respondents have invested in hybrid funds category.

So the majority of the respondents, chose equity fund category, but they says it have high risk.

If (yes), in which type of funds,you have invested?

50

40

30

20

10

0
Equity fund Debt fund Hybrid fund

Figure 4.10

TABLE 4.11 WHICH M.F. COMPANY YOU HAVE INVESTED?

Statistics
Which M.F company you have invested?

N Valid 150
Missing 0

In which M.F. company you have invested your Savings?

Frequency Percent Valid Percent Cumulative Percent

Valid 98 65.0 65.0 65.0

ICICI 8 5.7 5.7 70.7
Others 4 2.7 2.7 73.3
HDFC 22 14.7 14.7 88.0
SBI CONTRA 6 4.0 4.0 92.0
UTI 12 8.0 8.0 100.0
Total 150 100.0 100.0
SOURCE:- Primary Data
ANALYSIS:-

Above diagram shows, that there is no much difference in preference of buying mutual fund. There is a
little difference in buying various mutual fund.

In which type of mutual fund you have invested?

120
100
80
60
40
20
0
ICICI Nippon India HDFC SBI CONTRA UTI

Figure 4.11

TABLE 4.12 IF (NO), WHAT BE THE REASONS FOR NOT INVESTING IN ANY MF?

Statistics
If(NO), what be the reasons for not investing in any mf?

N Valid 90
Missing 60

If (no), in what be the reasons for not investing in any mutual funds?
Frequency Percent Valid Percent Cumulative Percent
Valid Less guidance 5 4.3 5.6 5.6
Lack of knowledge 30 20.0 33.3 38.9
Risky investment 28 19.4 32.3 71.0
No particular reason 27 17.2 28.8 100.0
Total 90 60.0 100.0
Missing System 60 40.0
Total 150 100.0
SOURCE:- Primary data
ANALYSIS:-

➢ 20% of the respondents say that they are not invested because lack of knowledge about MF.
➢ 19.4% of the respondents say that they are not invested because of very risky investment.
➢ 4.3% of the respondents says that they not invested because less guidance of MF.
➢ 17.2% of the respondents say no particular reason for not investing in MF.

So the majority of the respondents say lack of knowledge about mutual fund for not investing.

IF (NO), WHAT BE THE REASONS FOR NOT INVESTING IN MUTUAL FUNDS?

40

30

20

10

0
Lack of guidence Lack of knowledge Risky investment No particular reason

Figure 4.12

TABLE 4.13 WHAT ARE THE MAIN REASON FOR INVESTING IN MUTUAL FUND?

Statistics
What are the main reasons for investing in mutual fund?

N Valid 150
Missing 0

What are the main reasons for investing in mutual fund company?
Frequency Percent % Valid Percent Cumulative Percent
98 66.0 66.0 66.0
Valid Choice of scheme 8 5.4 5.4 71.3
Flexibility 5 4.3 4.3 74.7
High return 13 8.7 8.7 83.3
Liquidity 6 4.0 4.0 87.3
Prof. management 5 3.3 3.3 90.7
Safety 10 6.5 6.5 97.3
 Tax exemption 4 2.7 2.7 100.0
Total 150 100.0 100.0
SOURCE:- Primary data

ANALYSIS:-

➢ 8.7% Of the respondents say that they invested because its give high return.
➢ 5.4% of the respondents say that they invested because of choice of scheme.
➢ 4.3%% of the respondents say that they invested because of flexibility.
➢ 4% of the respondents say that they invested because of liquidity of investing in MF.
➢ 3.3% of the respondents say that they invested because of professional management in mf.
➢ 6.5% of the respondents say that they invested because of safety for investing in MF.
➢ 2.7% of the respondents say that they invested because of tax exemption for investing in MF.

So the majority of the respondents say that they invested because of very high return. They believe
that this is the main & the most important reason to invest in mutual fund.

TABLE 4.14 WHAT ARE THE MAIN OBJECTIVES/GOAL OF YOUR INVESTMENT?

Statistics
What are the main objectives/ goal of your investment?

N Valid 62
Missing 88

What are the main objectives/Goal of your investment?

Frequency Percent Valid Percent Cumulative Percent
Valid for retirement 20 12.6 30.6 30.6
To avail tax benefits 11 6.5 16.1 46.8
Children education 6 4.3 11.3 58.1
Purchase of assets 9 5.7 12.9 71.0
Savings 18 12.0 29.0 100.0
 Total 62 41.4 100.0
missing System 88 58.7
Total 150 100.0
SOURCE:- Primary data

ANALYSIS:-

➢ 12.7% of the respondents say that their investment objective to protect retirement.
➢ 6.7% of the respondents say that their investment objective to avail tax benefits.
➢ 4.7% of the respondents say that their investment objective for children education.
➢ 5.3% of the respondents say the their investment objectives for purchasing asset.
➢ 12% of the respondents say that their investment objectives for savings.

So the majority of the respondents say that their main investment objectives to protect retirement
and for savings.

TABLE 4.15 HOW OFTEN YOU ARE INVEST IN THE MF?

Statistics
How often you are invest in the mutual fund?

N Valid 61
Missing 89

How often you are invest in the mutual fund schemes?

Frequency Percent Valid Percent Cumulative Percent
SIP 48 31.3 77.0 77.0
Lump sump 13 9.3 23.0 100.0
Total 61 40.7 100.0
missing System 89 59.3
Total 150 100.0
SOURCE:- Primary data
 ANALYSIS:-

From all the respondents, they are more chose SIP way of investment. But they are invested in both type of
investment.

How often you invested in the mutual fund?

50
45
40
35
30
25
20
15
10
5
0
SIP Lump Sump

Figure 4.15

TABLE 4.16 WHAT IS YOUR METHOD OF BUYING OF MF?

Statistics
What is your method of buying of MF?

N Valid 61
Missing 89

WHAT IS YOUR METHOD OF BUYING OF MF

Frequency Percent Valid Percent Cumulative Percent
Online method 25 15.0 39.3 39.3
By distributors 23 16.0 39.3 78.7
By Bank branches 13 8.8 21.3 100.0
Total 61 40.7 100.0
Missing System 89 59.3
Total 150 100.0
 SOURCE:- Primary data

ANALYSIS:-

➢ 15% of the respondents they are buy through online method.

➢ 16% of the respondents they are buy through distributor.
➢ 8.8% of the respondents they are purchase by bank branches.

So the majority of the respondents purchase through online and distributor.

What is your method of Buying of mutual funds?

30
25
20
15
10
5
0
Online Through Distributor Through bank branches

Figure 4.14

TABLE 4.15 HYPOTHESIS – 1 AGE AND AWARENESS REGARDING THE MF.

Null Hypothesis (H0) :-

There is no other association b/w age and awareness regarding the Mf.

Alternative Hypothesis (H1):-

There is a association b/w age and awareness regarding the mf.

Age Are you aware about age and awareness regarding mutual funds? Cross tabulation (table 4.15)

Case Processing Summary

cases
Valid Missing Total
N Percent N Percent N Percent
Age are you aware about 150 100.0% 0 0.0% 150 100.0%
mf.
 Age , Are you aware about mutual funds? Cross tabulation
Are you aware about the mf? Total
Yes No
Age Below 25 year Count. 18 36 54
Expected count 29.9 24.1 54.0
25-35 yrs Count. 39 21 60
Expected count 33.2 26.8 60.0
35-45 yrs Count. 16 3 21
Expected count 11.6 9.4 21.0
Above 45 yrs Count. 10 7 15
Expected count 8.3 6.7 15.0
Total Count. 83 67 150
Expected count 83.0 67.0 150.0

Chi –Square tests

Value df Asymptotic significance (2-sided)

Pearson chi-square 13.715 3 0.003

Likelihood ratio 14.130 3 .003

Linear-by-linear association 9.459 1 0.002

N of Valid cases 150

a. 0 cells (00.0%) have expected count less than 5. The minimum expected count is 6.40.
 SOURCE:- Primary Data

DATA ANALYSIS:-

Since p value (0.003) is less than 0.05% level of significance. We accept alternative hypothesis (H1) and
reject null hypothesis (H0). Hence there is a association b/w the age and awareness regarding the mf.

DATA INTERPRETATION:-

The above chart and diagram shows that awareness of mutual fund is more in the age between 25-35 years.
There are more people who have awareness regarding mutual fund from 60 respondents 38 are aware it
shows high awareness. People having age above 45 years have not much awareness regarding mutual fund
from 15 respondents 10 are not aware and only 5 are aware about mutual fund.

TABLE 4.16 HYPOTHESIS- 2 EDUCATION LEVEL OF THE MUTUAL FUND

Null Hypothesis (H0):-

There is not any association b/w education and the awareness of mutual fund.

Alternative Hypothesis (H0):-

There is a association b/w education and the awareness of mutual fund

Education , Are you aware about mutual funds? Cross tabulation (table 4.16)

Case Processing Summary

cases
Valid Missing Total
N Percent N Percent N Percent
Education * are you aware 150 100.0% 0 0.0% 150 100.0%
about mutual fund
Education * Are you aware about mutual funds? Cross tabulation
Are you aware about mutual funds? Total
Yes No
Age Higher Count 3 10 13
secondary Expected count 7.2 5.8 13.0
Graduate Count 55 46 101
 Expected count 55.9 45.1 101.0
Post graduate Count 25 11 36
Expected count 19.9 16.1 36.0
Total Count 83 67 150
Expected count 83.0 67.0 150.0

Chi –Square tests

Value df Asymptotic significance (2-sided)

Pearson chi-square 8.395 2 .015

Likelihood ratio 8.565 2 .014

Linear-by-linear association 6.936 1 .008

N of Valid cases 150

a. 0 cells (00.0%) have expected count less than 5. The minimum expected count is 5.55.

SOURCE:- Primary data

DATA ANALYSIS:-

Since p value (0.015) is less than 0.05 at 5% level of significance. We accept the alternative hypothesis
(H1) & reject null hypothesis (H0). Hence there is association between education and awareness of mutual
fund.

DATA INTERPRETATION:-

Hence we interpret the education qualification have much impact on awareness of mutual fund out of 101
graduate 58 are aware and 43 are not aware and the out of 36 post graduate 25 are aware and 11 are not
aware. People who are not graduate have not much awareness regarding mutual fund.
 TABLE 4.17 HYPOTHESIS 3:- Occupation(work) and method of invest of mutual fund

Null Hypothesis (H0):-

There is no association b/w occupation(work) and method of investment of mutual fund.

Alternative Hypothesis(H1):-

There is association b/w occupation(work) and type of investment of mutual fund.

Occupation , How often you invest in the mutual fund? Cross tabulation

Case Processing Summary

Cases
Valid Missing Total
N Percent N Percent N Percent
Occupation * How often you 61 40.7% 89 59.3% 150 100.0%
invested in mutual fund

Occupation, How often you invest in the MF? Cross tabulation

How often you invest in the mutual Total
funds?
SIP Lump Sump
Occupation Govt. employee Count 6 2 8
Expected count 6.1 1.9 8.0
Pvt.sec.employe Count 24 7 31
e Expected count 23.6 7.4 31.0
Business Count 3 0 3
Expected count 2.3 .7 3.0
Professional Count 3 2 5
Expected count 3.8 1.2 5.0
Student Count 2 1 3
Expected Count 2.3 .7 3.0
Total Count 38 12 50
Expected count 38.0 12.0 50.0

Chi –Square tests

Value df Asymptotic significance (2-

sided)

Pearson chi-square 1.775 4 .775

Likelihood ratio 2.346 4 .672

Linear-by-linear association .207 1 .649

N of Valid cases 61

a. 7 cells (70.0%) have expected count less than 5. The minimum expected count is .69.

Source:- Primary data

DATA ANALYSIS:-

Since p-value (0.775) is greater than 0.05 at 5% level of significance, we accept the null hypothesis (H0) &
reject the alternative hypothesis (H1). Hence there is no association b/w occupation (work) and way of
investment of mf.

DATA INTERPRETATION:-

Above chart and data shows that both the types of investing into mutual fund are fabulous. People choose
SIP option as much as lump sum. But we can see the people whose occupation is private employee choose
SIP way of investing in the MF. Private sector and govt. sector employee people also choose Lump sum
way of their investment. Business people mostly choose SIP as a way of their investment. We can seen that
people whose occupation are professional and student they are choose both way of investing in the mutual
fund.
 TABLE 4.18 HYPOTHESIS 4:- Monthly income/earning of people and way of investment in MF.

Null Hypothesis (H0):-

There is no association b/w monthly income and the way of investment of MF.

Alternative Hypothesis (H1):-

There is association between monthly income and the way of the investment of MF.

What is your monthly income/earning (apx)? How often you invest in the MF? Cross tabulation

Case Processing Summary

Cases
Valid Missing Total
N Percent N Percent N Percent
What is your monthly income (apx)? how 46 32.0% 104 68.0% 150 100.0%
often you invest in the MF?

What is your monthly income (apx)? How often you invest in the MF? Cross tabulation
How often you invest in the mutual funds? Total
SIP Lump Sump
What is Below Rs.25K Count 15 3 18
your Expected count 13.5 4.5 18.0
monthly Rs.25K-35K Count 11 5 16
income Expected count 12.0 4.0 16.0
(apx)? Rs.35K-45K Count 6 1 7
Expected count 5.3 1.8 7.0
Above Rs.45K Count 4 3 7
Expected count 5.3 1.8 7.0
Total Count 36 12 48
Expected count 36.0 12.0 48.0
 Chi –Square tests

Value df Asymptotic significance (2-

sided)

Pearson chi-square 2.619 3 .455

Likelihood ratio 2.587 3 .460

Linear-by-linear association 1.044 1 .307

N of Valid cases 48

a. 4 cells (50.0%) have expected count less than 5. The minimum expected count is 1.75.

DATA ANALYSIS:-

Since p value (0.455) is greater than 0.05 at 5% level of significance. we accept the null hypothesis(H0) &
reject the alternative hypothesis (H1). Hence there is no association b/w monthly income/ earning and way
of investment of MF.

DATA INTERPRETATION:-

Above chart and data shows both the ways of investing into MF. People choose SIP option as well as lump
sum. But we can see that people whose income below Rs.25K, mostly they choose SIP way of investing.
People whose income is Rs.25K- 35K, they are choose both way of investing. We can see that people
whose income is Rs.35K- 45K, they are chose SIP more than Lump sum. People whose income above Rs.
45K, they are choose lump sum.
 CHAPTER – V

FINDINGS, SUGGESTIONS, CONCLUSION

i. Findings of the study:-

➢ Among all the respondents 56% are aware about M.F. and other 44% are not aware about MF.
➢ From all the respondents, only 41% respondents invested in mutual fund.
➢ There are 62% male and 38% female out of the respondents and more no. of male are aware than the
no. of female.
➢ People the age of 25 to 35 years have more awareness than others age group people.
➢ There are 101 respondents who are graduate among them 58 are aware and 43 are not aware about MF.
➢ Most respondents have their monthly income/earning b/w 25k to 35k and from them most of the people
are prefer to invest in mutual fund.
➢ 40% respondents are investing in lump sum and 60% are invested in SIP.
➢ There are 16% respondents buy mutual fund products via online.
➢ Among all the respondents, there are 12% of the people says very high risk and 14% of the people says
risk.
➢ From all awared respondents, 34 respondents did not invest in M.F. out of 82.
➢ There are 23% respondents have interested to invest in mutual fund.
ii. SUGGESTIONS
After seeing the whole data analysis and findings, my suggestions for the industry are as below:-
➢ The company should give the knowledge regarding MF through various sources like more ads, T.V.
program’s etc. about what it is? How it works? How to handle its? What are benefits? Because people
heard about it but don’t know what is it?
➢ The company should also attract the medium level income/earning people by showing them the benefits
of the liquidity funds for the short term to attract them.
➢ The company should give information regarding tax benefits to invest into mutual fund.
➢ The company should organize meetings, information campaign to give information about M.F. and
should distribute cards, pumphlet having detail of scheme of mutual fund.
➢ Steps should be taken to boost the confidence the moral of the investors. This can be done through
appropriate communication and by educating investor to invest in mutual fund.

iii. CONCLUSION
Today a lot of investment opening are available to the investor in the financial markets. Investor can invest
in different commercial bonds, debenture, bank deposits, post office schemes, savings, gold etc. But in
present investors opt for portfolio directors to invest money on their behalf.

The present study analyses on the mutual fund investments in relation to investor behavior. Investors
opinion and perception has been studied relating to different issues like type of mutual fund scheme, main
objective/aim behind investing in mutual fund schemes, level of satisfaction, part of financial advisors and
brokers, source of information, challenges before the Indian M.F. industry etc. This study is very important
regarding judge the investors attitude behavior in the market in our country, where the competition increase
day & night due to the entry of large no. of competitors with different financial strengths and strategies.
The present research outlined that substantially the investor have positive view towards investing in mutual
funds schemes. For achieving heights in the fund sector, the M.F. companies should create the strategies in
such a way that help in fulfilling the investors’ expectancies. In present the main task before M.F. industry
is to convert the potential investors into reality investors. New and further innovative schemes should be
launched from time to time so that investors confidence should be maintained. All this will lead to the
overall growth and development of the mutual fund industry.
 QUESTIONNAIRE

“A Study on mutual fund:- Investor Awareness”

Dear Sir/Madam,

I am Shailesh Pratap Singh and I pursuing M.Com on the project topic “A Study On The Mutual Fund:
Investor Awareness” in Janta College Bakewar. Therefore, I Kindly request you to fill up this questionnaire
with your valuable attention and co-operation, which will help me to complete my research work
effectively and efficiently. This information is provided by you are kept for confidential and only for the
research purpose.

1.PERSONAL DETAILS:

Name:

Gender: a) Male b) Female

Age: a) below 25 yrs b)25- 35 yrs c)35-45 yrs d)above 45 yrs

Education: a) Higher Secondary b) Graduate c) Post Graduate
Occupation: a) Govt.sec employee b) Pvt.sec.employee c)Professional

d)Business e)Student f) Other:______________________

Role: ____________________________

What is your monthly income (apx)?

a) Below Rs.25000 b)Rs. 25000-Rs.35000 c)Rs.35000-Rs.45000 d)Above Rs.45000

QUESTIONNAIRE:

2.which of the following you are interested to invest in?

a)Share Market b)Mutual fund c)Both a and b d)Not interested above

3.Are you aware about mutual funds?

a) yes b) no

4.How aware are you about mutual funds?

a)Fully aware b) partial knowledge c)Aware only of those schemes you have invested in d) No idea
5.How did you come to know about Mutual Funds?

a)Advertisement b)Distributors c)Friends d)Internet e)Others___________________

6.Did you invest in mutual fund?

a)yes b)no

7.If yes, then in which type of fund or schemes you have invested in mutual funds?

a)Equity fund b)Debt fund c)Hybrid fund d)others___________________

8.In which mutual fund you have invested?

a)ICICI Prudential MF b)SBI MF c)UTI MF d)ohers______________________

9.If No then, What be the reasons for not investing in mutual funds?

a)Lack of Guidance b)Lack of Knowledge c)Risky Investment d)No particular reason

10.What are the reasons for investing in mutual funds?

a)Professional Management b)high return c)Liquidity d)Flexibility e)Safety

f)Choice of Scheme g)Convenient h)Low cost i)Transparency j)Tax exemption
k)others__________________________

11.What is your preference of savings avenues?

a) Bank deposit b)Gold c)Chits d)Real estate e)Shares

f)Mutual funds g)Postal savings h) Others_________________________________________

12.What are the objectives of savings in investment?

a)To provide for retirement b)To avail tax benefit c)Savings

d)For Children education e)Purchase asset

13.What is your mode of purchase of mutual funds?

a) Online b)Through distributors c)Through bank branches d)National distributors

14.How often you invest in the mutual fund?

a) SIP b)One time investment

15.What is your level of satisfaction towards investment in mutual funds?

a) Very satisfied b) Satisfied c)Neutral d) Dissatisfied

16.What extent of risk you feel that investing mutual fund?

a) No risk b) Low risk c) Risk d) Balanced risk

e) High risk f) Very high risk