Professional Documents
Culture Documents
Dipak prajapati
Roll no. – 14 mba.ii
Mr.kamlesh K PATEL
S.K.SCHOOL
SCHOOL OF BUSINESS MANAGEMENT,
HEMCHANDRACHARYA NORTH GUJARAT
UNIVERSITY,
PATAN
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S.K.School of Business Management,Patan
CONTENTS:
serial Page
no Topic no.
1 certificate by organization 4
2 Acknowledgement 5
3 executive summary 6
4 company overview &introduction 8-11
5 MOSt Vision ,history& milestone 12-20
6 People behind organization 21-23
7 Service provide by MOSL 24-30
8 About mutual fund 31-34
9 What’s mutual fund’s SIP? 35-37
10 Performance of SIP’s 38-40
11 How to invest in SIP? 41
12 Systematic investment plan(in detail) 42-44
13 Objective of study 45
14 Methodology 46
15 Data analysis & interpretation 47-63
16 SWOT analysis of MOSL 64-67
17 Bibliography 68
18 Questionnaire 69-73
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S.K.School of Business Management,Patan
DECLARATION
I, Mr. Dipak Prajapati do hereby declare that the project report titled
“AWARENESS ABOUT SYSTEMATIC INVESTMENT PLAN:A
INSTRUMENT FOR INVESTMENT IN MUTUAL FUND” is a genuine
research work undertaken by me and it has not been published anywhere earlier.
Date: 25/7/2009
Place: Patan
Dipak Prajapati
SKSBM, Patan
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S.K.School of Business Management,Patan
PREFACE
It is true that the world outside your cozy home is many a time quite
different from what you have perceived. Similarly, it is possible that the
theoretical knowledge acquired in the classroom may differ from the
practical knowledge.
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S.K.School of Business Management,Patan
Acknowledgement
“Chain of mistakes leads towards failures, chain of failures leads to experience and chain of
experience leads to success.” That’s what a life’s path is.
Same is applicable to my research work. I do not claim that I have a complete knowledge of
the subject. There are many persons who directly or indirectly helped me during our project.
I am really thankful to Mr. Vijay Patel a CEO of Motilal Oswal Securities Ltd, Mehsana him
kind co-operation throughout the project.
I would like to also thankful to Mr. Mahesh Makvana and other back office staff and trading
dealer staff for their continuous support.
I would like to thank with utmost gratitude to Mr. Kamalesh K Patel, the current Proffesor
and Co- ordinator of project and other faculty members for guiding me time to time during the
project.
I would like also thankful to Mr.Jay Oza they have to providing fully Information regarding
Mutual Fund theoretically as well as practically.
I am also thankful to Mr. Ajay Patel, Mr. Sanjay Patel, Mr. Jay Pandya and other staff.
I take a great pleasure in expressing deep sense of gratitude towards him for having given us
opportunity to do a project on market analysis of Motilal Oswal Securities Ltd.
Executive summary:
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S.K.School of Business Management,Patan
In India, Securities market is a very booming sector. There are many players-
( Brokers Or Sub-brokers ) comes in this market. They have cut-through competition to
cover more & more market. They provide different kind of services in mutual fund. So I
basically prefer securities market & specially Mutual Fund. I cover following main topic in
this project which show all the information of Mutual Fund & Motilal Oswal Securities
Limited.
I included different kind of AMC’s Mutual fund provided by MOSL & their schemes &
features.
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S.K.School of Business Management,Patan
I did a live survey on awareness of Mutual fund with 100 sample size. I included 14 questions in
my questioner and found that the market of Mehsana city is very potential for mutual fund. But
they have not proper information and guideline. I also found that they believe that Mutual fund
is gives more return.
In mehsana when in the field or survey I note that many people know about
The systematic investment plan of mutual fund and they have a good knowledge about
this instrument there is a big scope for brokers and mutual funds company.
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S.K.School of Business Management,Patan
Organization overview
• Introduction
institutional equities and retail wealth management. Our services include equities,
derivatives, e-broking, portfolio management, mutual funds, commodities, IPO’s
and depository services.
The company has also established a base in the UAE to address the needs of the
overseas audience.
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S.K.School of Business Management,Patan
Our institutional business unit has relationships with almost all leading foreign
institutional investors (FIIs) in the US, UK, Hong Kong and Singapore. In a recent
media report we were rated as one of the top-10 brokers in terms of business
transacted for FIIs
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S.K.School of Business Management,Patan
The organization finds its strength in its team of young, talented and
confident individuals. Qualified professionals carry out different functions under
the able leadership of its promoters, Mr. Motilal Oswal and Mr. Raamdeo
Agrawal. Stringent employee selection process, focus on continuous training and
adoption of best management practices drive the quest to achieving our Core
Purpose and Values.
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S.K.School of Business Management,Patan
• MOSt Vision
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S.K.School of Business Management,Patan
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S.K.School of Business Management,Patan
The story of Motilal Oswal Securities Ltd (MOSt) goes back many
years, when Mr. Motilal Oswal and Mr. Raamdeo Agrawal met each other as
students in a Mumbai suburban hostel in the early eighties. Both the young chartered
accountants hailing from a rural & an unpretentious background had a common
dream viz 'to build a professional organization with strong value systems, to provide
reliable & honest investment advice to investors'. Thus was born their first enterprise
called "Prudential Portfolio Services" in 1987.
2009:-
2008 :-
MOSL creates one of India's largest Equity Dealing & Advisory rooms,
spread over 26,000 sq ft in Malad, Mumbai Motilal Oswal's India Business
Excellence Fund raised USD 125 million, 25% higher than the initial target of USD
100 million D & B survey rates MOSL as India's top Broking House in terms of
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S.K.School of Business Management,Patan
total number of trading terminals MOSL alliance with IDBI Bank to offer Online
Trading Services Asia Money Brokers poll 2007 rates Motilal Oswal Securities Ltd.
- Best Overall Country Research - Local Brokerage
2007 :-
- EZtrade - reaches an important milestone i.e. In less than a year it has managed
to sign up more than 10,000 customers Starts Knowledge First campaign Motilal
Oswal was percieved as the most Research driven stock trading player - Starcom
Mediavest Survey Introduces a separate brand for Private Client Group - Purple
Motilal Oswal Commodities Broker Pvt Ltd (MOCBPL) bagges Globoil India's
prestigious 'Outstanding Commodity Broking House 2007' Award Motilal Oswal
Financial Services ltd. gets listed on the BSE & NSE.
2006 :-
• Organizes the second India Conference with Bear Stearns New York featuring
discussion panels and presentations by prominent business leaders and senior
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S.K.School of Business Management,Patan
• Launches the India Business Excellence Fund (IBEF), a US$ 100 mn India focused
Private Equity Fund.
• Places 9.29% with two leading private equity investors - New Vernon Private
Equity Limited and Bessemer Venture Partners.
• Acquires a leading south Indian brokerage firm - Peninsular Capital Markets. Also
acquires 3 more brokerage firms in UP and Gujarat.
• Value PMS gives 390% returns to its investors between Feb 2003 and March 2006.
• Another milestone in distribution – over 1000 outlets, over 375 cities, serving over
1,75,000 customers.
• Employee base crosses 2000 and Business Associate base crosses 1000.
2005 :-
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S.K.School of Business Management,Patan
• Organises the first India Conference with Bear Stearns in New York. India’s
largest such conference of its kind in the US.
• Asia money Brokers Poll 2005 rates Motilal Oswal Securities - Best Local
Brokerage, MOSt Independent Research House, Best in Sales and Service.
• Acquires local brokerage Gayatri Capitals from Andhra Pradesh and Varghese
from Karnataka.
• Deepest distribution in the stock broking segment with 700 outlets in 320 cities and
1,20,000 customers.
2004 :-
• Value PMS delivers a whopping 160% post tax returns for the period ended April
2003 :-
• MOSt Portfolio Management Services launched with Mr. Raamdeo Agrawal as the
Portfolio Manager. Uniquely structured performance related fees.
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S.K.School of Business Management,Patan
• Received the Asia Money award for the Best Overall Domestic Research House-
Mega funds.
• 9 own branches setup at 7 cities to provide Equity Advisory Services. More in the
pipeline.
• 150 outlets in 110 cities across 18 states & one Union Territory in India manned by
1000 people servicing over 15,000 Retail and Institutional Investors.
2002 :-
• Mr. Navin Agarwal, Head of Equity Research & Institutional sales, inducted in the
Board of Directors.
• MOSt consolidates its retail operations & upgrades its IT / Back Office
infrastructure to cater to its growing network of branches, Franchisees and Channel
Partners.
• Received the Asia Money Award - 2nd Best among Indian Brokerage firms.
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S.K.School of Business Management,Patan
2001 :-
• Legendary marketing guru Shunu Sen’s services taken to revitalise retail marketing
strategy and branding efforts.
• Starts offering Derivatives products and advisory services on both BSE as well as
NSE.
2000 :-
• Received the Asia Money award for the Best Domestic Equity house.
• Both Mr. Motilal Oswal and Mr. Raamdeo Agrawal receive Rashtriya Samman
Patra from Central Board of Direct Taxes for being amongst the top 50 tax payers in
India from FY94-FY98.
• Acquires its 100th Franchisee / Channel Partner and emerges as a leading player in
the Indian Broking Sector.
1999 :-
• The Wealth Creation Study started in 1996 culminates into Wealth Creation
Seminar and Awards function in 1998.
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S.K.School of Business Management,Patan
• First Stock Broking house to brand its services as a research and advice based
broker.
• Inducts Mr. Ivan Mathias, former country head of Watson Wyatt Worldwide, on its
Board to Directors to shape HR initiatives.
1998 :-
• Mr. Motilal Oswal joins the Governing Board of The Stock Exchange, Mumbai.
1996 :-
• Wealth Creation Study started. First of its kind study initiated to identify biggest
and fastest wealth creating companies in Indian Stock markets.
1995 :-
1994 :-
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S.K.School of Business Management,Patan
• MOSt acquires NSE Membership and plans for major expansion of its retail
network.
• Inquire (Indian Equity Research) is formally created at a 2500 sq. ft office in South
Mumbai with bigger and better quality infrastructure than the corporate office. Since
then nearly 20% of revenue is allocated to research. First Domestic Stock broking
house to have such a strong Research focus.
1990 :-
• After just three years in the business, ”Motilal Oswal” is formed through
acquisition of membership on The Bombay Stock Exchange (BSE). Three more
memberships taken in later years.
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S.K.School of Business Management,Patan
This has been a strong belief of Mr. Motilal Oswal and he has not only practiced it
himself but also made efforts to inculcate similar values in the employees of the organization. He
had been elected as a Director of BSE and joined its governing board in 1998. He is currently a
member of various committees of CDSIL and SEBI. He is currently a member of the NSE
committee for F&O.
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S.K.School of Business Management,Patan
Mr. Navin Agarwal is on the Board of Motilal Oswal Financial Services Limited. He is a
member of Institute of Chartered Accountants of India, Institute of Cost & Works Accountants
of India, and Institute of CompanySecretariesofIndia.
He heads the Institutional Broking business and has been instrumental in building a
market leading position with domestic and foreign institutional investors. Under his leadership,
the firm has been rated as The Best Indian Brokerage House by Asia money 2005. Leveraging
on the dominant positioning in institutional business, he has also been instrumental in building
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S.K.School of Business Management,Patan
an Institutional Derivatives business when derivative products were introduced in the Indian
markets. Here again, a market leading position has been established by MOSL.
As a member of the board, Mr. Agarwal believes in leveraging the core strengths of
a strong brand, a vast distribution network and unmatched research capabilities and has been
closely involved in the creation of the investment banking and private equity businesses. He
believes that the core strengths of the firm can be further leveraged to establish itself as the most
preferred Indian financial services organisation.
He has recently authored ‘Money Monarchs’ – a book on the stock markets.
Management Team
You will find CAs, CFAs, ICWAs, CSs, MBAs and IT professionals managing
crucial functions, to bring you best products and services - from research & advice to trade
execution & settlement. At MOSt we practice meritocracy and each of the team members is
provided extensive training.
with Management Gurus like Tom Peters and Dr. Lester Thurow, Dean, Sloan School of
Management, (MIT) and Brand Management Seminar by Al Ries etc.
Motilal Oswal Securities Ltd. providing different kind of services to its clients. they
are as followed
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S.K.School of Business Management,Patan
Its research based advice is very successful in market. They use Orian
software for trading, and get connectivity through V-sat facility. They are used Bharti
Televenture’s V-sat connection. MOSL have NSE, BSE registration.
• Depository Services
In the times of T+2 having a demat account linked to your trading account becomes really
convenient. The non-trading members also can avail of our Depository services. You
receive regular account reports and an efficient service at all times. MOSt is a member of
both NSDL and CDSL and the service is available at all our outlets in India.
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S.K.School of Business Management,Patan
Account Opening
Dematerialization
Re materialization
Account Transfer
Transmission
Nomination
Account Closures
• . MOSt E-Broking
There is nothing more exhilarating , more daring and more rewarding than making
the right trade at the right time. Welcome to our E-Broking platform which brings you a world
class experience of online investing. Buying and selling of shares is now just a click away.
A multitude of resources like live quotes, charts, research, advice and online
assistance helps you take informed decisions. Our robust risk management system and 128 bit
encryption gives you a complete security about money, shares, and transaction documents.
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S.K.School of Business Management,Patan
• MOStPMS
Motilal Oswal Securities runs three types of PMS schemes meant for investors with different
investment preferences. While our values PMS scheme is meant for investors with long-term
interest in the market, our Bull’s Eye PMS scheme is meant for investors who want to take
moderate risk and generate healthy returns from the equity market from time to time. Discover
Value PMS Scheme is create wealth for investors, which comes through Consistent over long
term.
Its clients, investor community and some of the most prestigious publications like
Asia money and Institutional Investors amongst others acknowledge Motilal Oswal Securities as
one of the leading research based equity broking house in India. With about 15% of our revenue
invested in our research capability, we have some of the sharpest resources that produce
excellent research insights on companies. The same is then passed to our highly rated portfolio
management and investment advisory team that works on its personalized investment strategy.
• MOSt Commodities
Investors looking for a fast-paced dynamic market with excellent liquidity can NOW trade in
Commodity Futures Market. The Commodity Exchange is a Public Market forum and anyone
can play in these vital Commodity Markets. Motilal Oswal Commodities Broker (P) Ltd can
certainly be your point of entry to the Commodity Markets. MOCB is a registered trading-cum-
clearing member of NCDEX. Participation is not difficult. All you need
is to open an account with us. MOCB shall offer you advice on investments & strategy, provide
research and contact you regularly with trading advice.
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• MOSt Mutual
To enable clients diversify their investments Motilal Oswal Securities Limited has added MOSt
mutual team is in close contact with various fund houses and another product in its bouquet and
will now offer mutual funds.
MOSt mutual team is in close contact with various fund houses and interactive sessions are held
with fund managers. We will provide you regular updates on products and new schemes. Being
one of the stock brokers we keep a close watch on the markets. Based on your risk appetite,
investment horizon and your existing investments we will suggest investment in mutual fund
schemes, which are best, suited to you. The fund and scheme selection is done after an in-depth
research on parameters like risk adjusted returns, rolling returns, volatility and portfolio churn.
We advise a mature and long-term view on mutual fund investments.
MOSt Mutual doesn't stop at just that, we go a step further to ensure that you get
the right NAV, your dividends are credited on time and your account statements are regularly
received. You will also receive our monthly newsletter on Mutual Funds "MOSt Mutual".
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S.K.School of Business Management,Patan
Introduction
A Mutual Fund is a trust that pools the savings of a number of investors who share
a common financial goal. The money thus collected is then invested in capital market instruments
such as shares, debentures and other securities. The income earned through these investments and
the capital appreciation realised are shared by its unit holders in proportion to the number of units
owned by them. Thus a Mutual Fund is the most suitable investment for the common man as it
offers an opportunity to invest in a diversified, professionally managed basket of securities at a
relatively low cost. The flow chart below describes broadly the working of a mutual fund:
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S.K.School of Business Management,Patan
There are many entities involved and the diagram below illustrates the
organisational set up of a mutual fund:
Professional Management
Diversification
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Convenient Administration
Return Potential
Low Costs
Liquidity
Transparency
Flexibility
Choice of schemes
Tax benefits
Well regulated
There are two ways in which you can invest in a mutual fund.
If you invest directly in the fund, you just hand over the cheque and you
get your fund units depending on the value of the units on that particular
day.
Let's say you want to invest Rs 10,000. All you have to do is approach the
fund and buy units worth Rs 10,000. There will be two factors determining
how many units you get.
Entry load
This is the fee you pay on the amount you invest. Let's say the entry load
is 2%. Two percent on Rs 10,000* would Rs 200. Now, you have just Rs
9,800 to invest.
NAV
The Net Asset Value is the price of a unit of a fund. Let's say that the NAV
on the day you invest is Rs 30.
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2. Periodic investments
That means that, every month, you commit to investing, say, Rs 1,000 in
your fund. At the end of a year, you would have invested Rs 12,000 in
your fund.
Let's say the NAV on the day you invest in the first month is Rs 20; you
will get 50 units.
The next month, the NAV is Rs 25. You will get 40 units.
The following month, the NAV is Rs 18. You will get 55.56 units.
So, after three months, you would have 145.56 units. On an average, you
would have paid around Rs 21 per unit. This is because, when the NAV is high,
you get fewer units per Rs 1,000. When the NAV falls, you get more units per Rs
1,000.
deposit schemes from Post office and banks. Basically, under an SIP
option an investor commits making a regular (monthly) investment in a
particular mutual fund.
1. Discipline
The cardinal rule of building your corpus is to stay focused, invest regularly and
maintain discipline in your investing pattern. A few hundreds set aside every month
will not pinch your monthly disposable income too much. You will also find it easier
to part with a few hundreds every month rather than investing a big lump sum in
one go.
2. Power of compounding
Investment gurus always recommend that one must start investing early in life.
One of the main reasons for doing that is the benefit of compounding. To explain
with an example. Person A started investing Rs 10,000 per year at the age of 30.
Person B started investing the same amount every year at the age of 35. When
they attained the age of 60 respectively, person A had built a corpus of Rs 12.23
lakh while person B’s corpus was Rs 7.89 lakh. A rate of return of 8% compounded
has been assumed. So the difference of Rs 50,000 in amount invested made a
difference of more than Rs 4 lakh to their end corpus. That difference is due to the
effect of compounding. The longer the compounding period, the better for you.
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investment approach, rupee cost averaging can smooth out the market's ups and
downs and reduce the risks of investing in volatile markets.
Some examples:
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4. Convenience
This is a very convenient way of investing. You have to just submit cheques with
the completed enrollment form. The mutual fund will deposit the cheques on the
requested date and credit the units to one’s account and will send the confirmation
for the same.
During the last year the economic crisis is their this particular time many people
loose their money in capital market but which person invest his or her money in
mutual fund’s SIP he or she keep a great return on his or her investment
PERFORMANCE OF SIP’s
June2008-May2009
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S.K.School of Business Management,Patan
Summary : Summary :
Amount Invested :
12,000.00 Amount Invested : 12,000.00
No of Months : 12 No of Months : 12
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S.K.School of Business Management,Patan
Summary : Summary :
Amount Invested :
12,000.00 Amount Invested : 12,000.00
No of Months : 12 No of Months : 12
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S.K.School of Business Management,Patan
Summary : Summary :
No of Months : 12 No of Months : 12
We see the return of this six mutual fund’s SIP the return of every SIP
is more than 50% therefore we say that this is the best instrument for the
invest in mutual fund during the this type of global economic crisis.
Step 1: Select a mutual fund scheme of your choice with the payment option
as SIP
Step 3: Select the minimum investment amount. For instance, if you choose
to invest Rs 12,000 every year with a monthly SIP Option. Therefore
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S.K.School of Business Management,Patan
you would be investing Rs 1,000 every month in your fund. By the end
of a year, you would have invested Rs 12,000 in your fund.
Step 4: The amount gets converted into units, depending on the Net Asset
Value (NAV). NAV is the market value per unit of a fund. If the NAV in
the first month is Rs 20, you will get 50 units. Similarly in the next
month if the NAV is Rs 25, you will get 40 units. The following month if
the NAV is Rs 18, then you will get 55.56 units. So, after three
months, you would have 145.56 units. On an average, you would have
paid around Rs 21 per unit.
Step 5: The units get accumulated over a period of time. You can stay
invested till the time you wish and redeem your units when you wish
to exit from the scheme. The units are redeemed at the market value
(NAV) and you get back your money with returns.
We have already mentioned about SIPs in brief in the previous pages but
now going into details, we will see how the power of compounding could
benefit us. In such case, every small amounts invested regularly can grow
substantially. SIP gives a clear picture of how an early and regular investment
can help the investor in wealth creation. Due to its unlimited advantages SIP
could be redefined as “a methodology of fund investing regularly to benefit
regularly from the stock market volatility. In the later sections we will see
how returns generated from some of the SIPs have outperformed their
benchmark. But before moving on to that lets have a look at some of the top
performing SIPs and their return for 1 year:
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S.K.School of Business Management,Patan
Total
Scheme Amount NAV NAV Date Amount
Reliance diversified power 30/5/200
sector retail 1000 62.74 8 14524.07
Reliance regular savings 22.20 30/5/200
equity 1000 8 8 13584.944
principal global 30/5/200
opportunities fund 1000 18.86 8 14247.728
DWS investment 30/5/200
opportunities fund 1000 35.31 8 13791.157
30/5/200
BOB growth fund 1000 42.14 8 13769.152
In the above chart, we can see how if we start investing Rs.1000 per month then
what return we’ll get for the total investment of Rs. 12000. There is reliance
diversified power sector retail giving the maximum returns of Rs. 2524.07 per year
which comes to 21% roughly. Next we can see if anybody would have undertaken
the SIP in Principal would have got returns of app. 18%. We can see reliance regular
savings equity, DWS investment opportunities and BOB growth fund giving returns
of 13.20%, 14.92%, and 14.74% respectively which is greater than any other
monthly investment options. Thus we can easily make out how SIP is beneficial for
us. Its hassle free, it forces the investors to save and get them into the habit of
saving. Also paying a small amount of Rs. 1000 is easy and convenient for them,
thus putting no pressure on their pockets.
Now we will analyze some of the equity fund SIP s of Birla Sunlife with BSE 200
and bank fixed deposits In a tabular format as well as graphical.
INSTALME
NTS inv BSE 200 RETURNS
Birla SL tax relief
'96 144 144000 553190 1684008
Birla SL equity
fund 114 114000 388701 669219
Birla frontline
equity fund 66 66000 156269 181127
In the above case, we have taken three funds of Birla sunlife namely Birla sunlife
tax relief ’96, Birla sunlife equity fund and Birla sunlife frontline equity fund. All
these three funds follow the same benchmark ie; BSE 200. Here, we have shown
how one would have benefitted if he would have put his money into these schemes
since their inception. And the amount even is a meager Rs. 1000 per month.
Starting from Birla frontline equity fund, we could spot that if someone would have
invested Rs. 1000 per month resulting into total investment of Rs. 66000 then it
would have amounted to rs.156269 if invested in BSE 200 whereas the fund would
have given a total return of Rs 181127. Now moving next to Birla sunlife equity
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S.K.School of Business Management,Patan
fund, a total investment of 114000 for a total of 114 months at BSE 200 would have
given a total return of Rs. 388701 whereas the fund gave a total return of Rs.
669219, nearly double the return generated at BSE 200. And now the cream of all
the investments, Birla sunlife tax relief ’96. A total investment of Rs. 144000 for a
period of 12 years at BSE 200 would have given total returns of just Rs. 553190 but
the Birla sunlife tax relief ’96 gave an unbelievable total return of Rs 1684008.
Thus the above case very well explains the power of compounding and early
investment. We have seen how a meager amount of Rs. 144000 turned into Rs.
1684008. It may appear unbelievable for many but SIPs have turned this into reality
and the power of compounding is speaking loud, attracting more and more investors
to create wealth through SIPs.
• OBJECTIVE OF STUDY
To find out awareness and interest about Mutual fund’s SIP in Mehsana
city.
Sub - Objective :-
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Methodology
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S.K.School of Business Management,Patan
After that the questionnaire are analyzed & the people who are
interested in MF are found out.
After that the interested people are explained about the MF was
given.
The last step is to prepare the report what have done practically
& give the conclusion.
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MARKET SURVEY
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70% 65%
60%
50%
40%
in %
35%
30% YES
20%
10% NO
0%
YES NO
Respondent
INTERPRETATION
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S.K.School of Business Management,Patan
Percentage
0%
BANK STOCK MARKET GOVT.SECURITIES COMMODITY POSTAL SCHEME REAL ESTATE PRIVATE PLAYER INSURANCE OTHER
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S.K.School of Business Management,Patan
20%
20% Bank
17% 17%
Stock Market
15% 14% 14%
12% Govt. Securities
Commodity
10%
in %
Postal Scheme
6%
5% Real Estate
Private Player
0% 0% 0%
Insurance
INTERPRETATION
Above graph shows that 20 % people select the stock market at time
of investment, Then 17 % people are selecting the bank & insurance,
Then 14 % are investing in real estate & others for investment, 12 %
people are investing in postal scheme, only 6 % people are invested in
Govt. securities, in mehsana people are not investing in commodity &
private player saving scheme.
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S.K.School of Business Management,Patan
70% 65%
60%
50%
40%
in %
35%
30% YES
20% NO
10%
0%
YES NO
Respondent
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S.K.School of Business Management,Patan
INTERPRETATION
Above graph shows that when ask the question to the respondent they
65% people know about systematic investment plan they are know that
this is the one instrument to investment in mutual fund their fore we say
that there is a big scope for mutual fund company for investment in
capital market in mehsana city.
Low Risk
20% 17%
53 Easy to invest
10% 5% Other
0%
Factor Selection
S.K.School of Business Management,Patan
INTERPRETATION
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S.K.School of Business Management,Patan
40% 38%
35%
30% 26% 25%
25% Lack of FK
in %
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S.K.School of Business Management,Patan
INTERPRETATION
50%
42% STRONGLY AGREE
40%
AGREE
30% 29%
in %
20% NUTURAL
20%
DIS AGREE
10% 6%
3% STRONGLY DIS
0% AGREE
Views of Respondent
INTERPRETATION
People are fully agreed that SIP is right way for Investment in
securities market. They all are aware about SIP.They also agree that
Mutual fund gives more return. Here 42% people said that they are
strongly agree that MF is safe for investment & 29 % persons are agree
that only SIP is right way to for investment in stock market. While 6%
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S.K.School of Business Management,Patan
people said that they are disagree and only 3% people said that they are
strongly disagree with mutual fund is safe for investment.
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S.K.School of Business Management,Patan
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S.K.School of Business Management,Patan
35%
32%
SBI
RELIANCE
30%
LIC
UTI
25% TATA
HDFC
PRUD.IC ICI
20%
SUNDRAM
IN %
15% FIDELITY
1% 1% O THER
0%
0%
Asset mgmt co.
S.K.School of Business Management,Patan
INTERPRETATION
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S.K.School of Business Management,Patan
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S.K.School of Business Management,Patan
INVESTMENT PERIOD
40%
36%
35%
30% 1-2 YEARS
30%
2-3 YEARS
25%
3-4 YEARS
IN %
20%
4-5 YEARS
15% 14%
10% 10% >5 YEARS
10%
5%
0%
YEARS
INTERPRETATION
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S.K.School of Business Management,Patan
People who are want to invest in long time they have two main
options that whether hold with one MF’s SIP scheme with short term or
long term. I am found that 36 % persons are investing tw0 to three years
investment. 30% people want to investment in three or four year. 14%
want to four to five year investment. More than five year only 10 %
want to invest in Mutual fund.
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S.K.School of Business Management,Patan
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S.K.School of Business Management,Patan
50%
46%
5000-10000
40% 10000-15000
15000-20000
30% 20000-25000
in %
26%
25000-30000
20% 30000-35000
16% 35000-40000
10% 40000-45000
5% 45000-50000
3% 2%
0% 1% 0% 1% 0% > 50000
Income level
INTERPRETATION
its invests is 54 % with good income. It shows that the market of Mehsana
is really potential for securities market.
HYPOTHESIS ANALYSIS
P = 0.60
Q = 0.40
n = 100
α = 0.10
P1= 65/100=0.65
H0: P=0.60 (60% of the customer are aware of Mutual fund’s SIP)
H1: P≠0.60 (60% of the customer are not aware of Mutual fund’s SIP)
σ^x = √ (PQ/N)
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S.K.School of Business Management,Patan
UL/LL = P ± σ * z
Lower Limit = 0.60- (0.049) (1.645) Upper Limit = 0.60 + (0.049) (1.645)
= -0.5194 = 0.6806
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S.K.School of Business Management,Patan
SWOT Analysis
• Strength :-
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S.K.School of Business Management,Patan
Weakness :-
• Opportunity :-
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S.K.School of Business Management,Patan
• Threats :-
• Findings :-
Market is potential but only few people investors know about the
MF services.
The company has no any expert person for the marketing of MF
The company’s Tips are highly demanded.
People want to invest in MF but they are afraid about risk and
high amount of MF.
NRI client are mostly prefer long term investment.
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S.K.School of Business Management,Patan
Suggestions :-
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S.K.School of Business Management,Patan
• BIBLIOGRAPHY
WEB SITES
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S.K.School of Business Management,Patan
www.motilaloswalsecurities.com
www.amfi.com
www.njindiainvestment.com
www.nseindia.com
www.bseindia.com
www.google.com
www.the-finapolis.com
www.mutualfundsindia.com
www.valueresearchonline.com
www.moneycontrol.com
www.morningstar.com
www.yahoofinance.com
www.theeconomictimes.com
www.rediffmoney.com
www.investopedia.com
• QUESTIONNAIRE:
Dear Respondents,
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S.K.School of Business Management,Patan
Yes [ ] No [ ]
3. Which option you select for investment rather than Mutual Fund?
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S.K.School of Business Management,Patan
Yes [ ] No [ ]
Advisors [ ] Brokers [ ]
Friends/Relatives [ ] Hoardings [ ]
Lack of Advertisement [ ]
Investment Process [ ]
Others [ ]
8. Are you agree with mutual fund’s SIP is safe for investment than security
market?
Agree [ ] [ ] [ ] [ ] [ ] Disagree
9. Are you agree with mutual fund’s SIP gives more return then other?
Agree [ ] [ ] [ ] [ ] [ ] Disagree
10. Which AMC you select if you want to invest in Mutual fund?
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S.K.School of Business Management,Patan
RELIANCE FIDELITY
TATA HSBC
11. How many time periods you would like to invest in MF’s SIP?
1 - 2 years [ ] 2 - 3 years [ ]
3 - 4 years [ ] 4 - 5 years [ ]
Name :- __________________________________________________
Address :- _________________________________________________
Phone/Mobile:- _____________________________________________
Occupation:-
Businessman [ ] Student [ ]
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