Under the able guidance of

Mr. Shreyas kasa Mr. Satyapal

(Territory Manager) (Territory
Manager)

By:- Sumit Kumar Yadav

95
JIMS Kalkaji
 Pool money from investors
 Invest in securities of
different companies
 Earnings in two ways
 Dividend
 Redemption at current
NAVs (net asset values.
 Companies investments are
divided into units
 Established by Mr.Santhanam in 1954
 Core values Obsession for Excellence, Speed,
Openness to new ideas, Aggressive Goals,
Accountability & Commitment
 Activities of the group
 Deposits, Mutual Funds,Car and Commercial Vehicle
Finance,Insurance, Home Loans, Software Solutions, Business
Process Outsourcing, Tyre Finance, Fleet Cards and Logistics
Services.
 Part of Sundaram finance.
 Have 256 branches.
 Aims to have 1000 branches till 2011
having 10000 employees.
 Make use of The Credit Information
Bureau (India) Limited (CIBIL) since
2000
 133 years of existence “The Native Share &
Stock Brokers' Association" in 1875
 Obtained permanent recognition (in 1956).
 Index of 30 stocks represent 12 major sectors.
 Online screen-based order driven trading system
in 1995
 No.1 exchange in terms of listed companies
(4,700 listed companies)
 World's 5th in transaction numbers
 Primary objectives compare equity
diversified fund and BSE indices.
 Where and how an individual investor
invest
 Factors an investors considered while
investing
 Type of Research – Exploratory Research
 Size of sample: 100 respondents
 Area of research study: (DELHI & N.C.R)
 Sampling procedure: Convenient sampling
 METHOD FOR DATA COLLECTION
 Primary Data:
 Procedure of data collection: Survey
 Tools for data collection: Questionnaire
 Secondary Data:
 Information Brochures, Web Sites
 Analysis Toll used:
 SPSS and Ms Excel
 BSE value as on
 31/12/06 13786
 31/12/07 20286
 31/12/08 9647
 Mean =13786+20286+9647/3
 =14573


 Standard deviation = 4744.23 

 Risk free return = 8.5%

(assumed)
 Sharps ratio=15.55-8.5/4744.23
 =.0099
 BETA=1(beta of the market)
 Sharpe ratio of the Sundaram’s fund is0.32 and
of the BSE IT IS 0.0099
 The fund will give you the return if near about
32% while BSE will give you near to 1%
 The standard deviation of the fund is 10.48
which is less than the markets SD
 Beta of the fund is 0.82
 Return of 157.73 percent in 2003 or 60.77
percent in 2006
 Investment Pattern

stocks
mutual funds
fixed deposits
commodities

It has been found

4 2 insurance
debt instruments
23 securities
14

that majority of the

people like to 9

invest in stocks, 18

mutual funds and 30

fixed deposits
which accounts of
71% of the overall
investment.
 Purpose

increase in the
total wealth
tax saving
insurance cover
to fulfill future
need
17
all of the above
25

14 32

12
 Capable of Spotting the Factors Responsible for The Market
Fluctuations

yes
no

46% of the
investors are able
to spot the factors 54
46

responsible for
the market
speculation. 54%
of the investors
do not able to
spot it.
 
 
 
 Sources

in one only
help from 2
sources
help from 3
sources
4
8
help from 4
sources

56
32
 Factors

risk
return
m ixof riskand
return

16

54

30
It has been found that
most of the investors like Time

to invest during the

stagnant market i.e.
rising market
stagnant market
falling market

50%. 18

The reason behind this 32

attitude is because
majority of the
respondents are unable 50

to spot the reasons of

the market speculation
so they like to play safe.
 In case of the stocks
risk and return are at
par i.e. they are
considered most risky
and give the highest
returns
Mutual funds are

considered to be the safer

financial instrument
compare to stocks and
commodities. Risk
associated with it is less
and return generated is
more.
 Aware About Sundaram BNP Paribas

yes
no

54% of the investors

are familiar with
Sundaram BNP 46

Paribas while 46%

54

do not about it.

 Preferred Asset Management Company

tax saver
thematic fund
sectorial fund
equtiy diversified
fund
14 hybrid fund

42

It has been observed that 26

most popular asset

Management Company 8

among the following is SBI

10

holding 30% of the market

share. Reliance holds 24%
of the market share. HDFC
holds 20% of the market
share while Sundarm
holds 14% of the total
market share.
 Preferred fund type

tax saver
thematic fund
sectorial fund
equtiy diversified
fund
14 hybrid fund

42

Most popular type of mutual 26

fund is the tax savers which

hold 42% of the total. 8

Equity diversified funds are

10

on the second position with

26%,then come hybrid
funds with 14% of the
market share, thematic and
sectorial funds holds 10%
and 8% of the market
share.
 spotfactor=no
spotfactor=yes

Occupation
Occupation 12
8 service
service
business
business
student
student 10 other

6
8

6
4

g
n
p
a
c
e
r
t
gn
p
ta
c
e
r

0 0

yes no yes no

mf mf
 Mutual funds generate a better profit as compare to the BSE as shown by the Sharps
ratio.
 Risk associated with the mutual funds is less as compare to the BSE.
 Investors like to diversify their portfolio by investing in different financial instruments
 Majority of service class people like to invest in fixed deposits insurance.
 Majority of the people invest to save tax, followed by multi-preferences.
 Majority of the investors like to consult to the professionals before investing
 Majority of the investors keep both risk and return in mind before investing.
 Stocks and commodities are considered most risky but they give the best returns.
 Majority of the people are aware about the BSE but the don’t invest in equity
diversified funds.
 SBI is the market leader as an AMC and Sundaram holds 14% of the market share
 Tax saver is the most popular fund in the market.
 The sample size is very less, hence the responses of just
100 respondents does not imply for the complete
population.
 There was lack of time and resources that prevented from
carrying out an in depth study. 
 The findings of the survey are based on the subjective
opinion of the respondents and there is no way of
assessing truth of the statements. 
 There is some respondent’s bias which cannot be
removed.
 Lastly, some amount of error exists in the data filling
process because of the following reasons:
 Influence of others.
 Misunderstanding of the concept.
 Hurried filling of the questionnaire.
 It is advised that those investors who are not very familiar
with the stock market should not invest directly rather go
through mutual funds route.
 As per the report Sundram Finance Group Shares 14 % of
the market share, a fair portion in the market but need to
emphasize more on the advertisement so as to generate
awareness among the mass and for better market share.
 Sundram Finance Group excels in tax saver funds and since
tax saver funds are sold much in market as compared to
others, so need to give special attention to raise the sales
and income.
 Some effective steps are needed to be taken to approach
new customers rather than on counting those previously
enrolled with the organization.