SUMMER TRAINING REPORT

ON
COMPARATIVE STUDY IN INDIA WITH SPECIAL
REFERENCE TO SYSTEMATIC INVESTMENT
PLAN(SIP)

PRESENTED BY –
POOJA SHARMA
PGDM
OBJECTIVE OF THE STUDY

1. Investors’ option for entry into a Mutual Fund.

•Lump sum
•SIP
2. Comparative analysis between SIP and other
investment methods
3. Investors Delight when investment is through SIP.
4. Procedure for investment in SIP
SCOPE OF THE STUDY

 Since the summer internship training is done in Delhi,

so the sample universe taken is from Delhi only.
 This project will help existing/prospective investor to
understand what are the various mode of investment
in Mutual Fund and
 why Systematic Investment Plan gives better returns
than any other methods.
DATA COLLECTION

 SOURCES:
 Primary Data is collected through interviews the
investors directly.
 Secondary data which is used just for reference, is
collected through magazines, FACTSHEET of different
AMC’s
RESEARCH DESIGN

•This research is Explorative and conclusive in nature

•Research Instrument : Questionnaire
•Research approach : Direct Survey Method
•Sample size : 50
ANALYSIS

I have analyzed that 75%

of investors invest in
Mutual Funds. Rest of the
investors invest in Bond
(i.e. 16%), Online Trading
(i.e. 7%) and Derivatives
(i.e. 2%).
ANALYSIS

The above pie chart

depicts that 66%
investors invest in Open-
ended funds, 22% in
close-ended funds and
12% in interval funds.
ANALYSIS

I conclude that there

are 55% investors who
invest in Growth
Schemes, 13%
investors invest in
Income Schemes and
32% investors invest in
Balanced Schemes.
ANALYSIS

 chart depicts that

the maximum no.
of investors i.e.41%
investors invest in
Sectorial Funds,
44% in Index funds
and 15% in Tax
saver funds
ANALYSIS

 68% of investors
invest again after the
initial investments.
ANALYSIS

 Chart depicts that

43% investors
invest up to 10% of
their earnings in
Mutual Funds.
ANALYSIS

I have analyzed that

55% investors have
invested in Systematic
Investment Plan, 10% in
Lump sum and 35% in
both the category
ANALYSIS

50
 I have analyzed that
45 the allocation criteria
40
of investment is 45%
Investment in %

35
30
25
in the range Rs.1000
20 to Rs.3000
15
10
5
0
Less than 1000 1000 - 3000 3000-5000 Above 5000

Alocation criteria in Rs
ANALYSIS

 chart depicts that most of

the investors (i.e. 33.33%)
invest in less than 3 years.
ANALYSIS

Pie chart depicts that

83.33% of investors have
got more profit in
Systematic Investment
Plan.
ANALYSIS

chart depicts that 65%

investors are satisfied
with the redemption
facilities provided by
KARVY.
ANALYSIS PART 2

INVESTMENT DESCRIPTION
INSTUMENTS
Mutual Fund Sip Flexible over any instrument
Insurance Heavy premiums
Fixed deposits One time pay gives bigger commitment for
investing and inflexible
Rbi relief funds Percentage of return is lower than the debt
funds
Provident fund Not easy withdrawal and rate of interest is less
FINDINGS
 Mutual Funds have given a new direction to the flow of
personal saving and enable small and medium investors in
remote rural and semi urban areas to reap the benefits of the
stock market investment
 Karvy is not able to provide sufficient services to the
investors due to unawareness among advisors regarding
services.
 The awareness level of investor is low in advisors are
interested in dealing in mutual fund.
 Very less advisors are knowing about services provided by
karvy.
Strength : Weakness :
SWOT
 A well-known name in Financial Companies.  No access to rural market.

 Wide Experience in this field.  No direct link between investors & the AMC.

 Dedicated Employees.
 Tie up with many financial institutions.
 Ever growing distribution network.
 Good Infrastructure.
 Experienced Fund Managers.
 Easy access to the branch.

Opportunity : Threat :

 Positive outlook of people towards mutual funds. Highly volatile and uncertain market conditions.
 Untapped market. Large number of financial giants present in this field.
LIMITATION

 Some respondents gave vague information and were

not serious while responding.
 Some respondents were hesitant to reveal
information about their finances because of income
tax queries.
 It was difficult to find whether respondents actually
participate in their financial planning.
 Research can provide no. Of facts but it does not
provide actionable results.
LIMITATIONS

 It cannot provide the answer to any problem but can

only provide a set of guidelines.
 Management rely more on the intuitions and
judgment rather than research.
 Area of research was restricted to some locations of
the city and strata.
RECOMMENDATIONS

 Needs to be explored as investors are still hesitated

 proper Marketing of various schemes is required,
company should arranges more and more seminars
on Mutual Funds.
 Awareness of MF services among the investors are
very low so Asset Management company
 Most of advisors are not interested in dealing of
Mutual Funds because they get very low commission.
RECOMMENDATIONS

 Most of people aware of life insurance, NSC and PPF

for tax saving so, company should market various tax
saving schemes of Mutual Funds and their benefits.
 The quality of agents performance and investors
trust on them can be improved only if they are
permanent in nature.
THANK YOU