37874920 mutual fund as investment avnue

7/24/2019 37874920 Mutual Fund as Investment Avnue

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1

A

SUMMER PROJECT REPORT

ON

MUTUAL FUND AS AN INVESTMENT- AVENUE

PRESENTED TO: PRESENTED BY :

Mrs. NARINDER KAUR ANKUSH MAHAJAN

(LECT.) CLASS MBA-2ND

ROLL-NO.- 2105

UNIVERSITY SCHOOL OF BUSINESS STUDIES

TALWANDI SABO


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ACKNOWLEDGMENT

Knowle!e "# $n e%&e'"en(e !$"ne "n l")e* "+ "# +,e (,o"(e#+ &o##e##"on* w,"(, #,ol no+

.e #,el/e .+ #,ol .e ,$&&"l0 #,$'e w"+, o+,e'#12

I express ! "r#$%$&'e $ ! es$eee' "&%'e SENIOR SALE E3ECUTIVE *r $+e%r ,#e /r%$%&es

#ss%s$#/e #' e/&r#"ee$ +%/+ e#e' e $ /#rr! $+e pr3e/$ MUTUAL FUND AS

INVESTMENT 4 AVENUE AT NJ INVEST INDIA s&//ess*&!. He "#,e e # 'er*& ppr$&%$!

$ r4 $+%s pr3e/$. T+e%r $%e-$-$%e "&%'#/e #' %/ess#$ s&ppr$ +epe' e $ r#'e !

&$4 $+e pr3e/$ .I # +%"+! %"e' *r $+e%r s&ppr$ $+r&"+&$ $+e Tr#%%".

I &' %4e $ $+#4s *#/&$! eers #' ,#e r4s * p&%s+ers #' #&$+rs +se r4 +epe'

e '&r%" $+e pr3e/$.

ANKUSH MAHAJAN

MBA -5ND ROLL-NO2 5678


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ABSTRACT

T+e pr3e/$ /$#%s $+e r%e* 'es/r%p$% * $+e &$ *&' %'&s$r! % "eer#. I$ #s %/&'es &$

*&' #s # %,es$e$- #,e&e. A s&r,e! #s /'&/$e' $ "e$ $+e pr%#r! '#$# $ 3&'"e $+e *#/$rs $+#$

$+e %,es$rs 4ep$ % $+e%r %' e*re $+e! %,es$ % #! * $+e %,es$e$ $s #' $+&s $+e *%rs$ p#r$ *

$+e p#per s/r&$%%es $+e 3e/$%,es * $+e %,es$rs *r %,es$%" % # &$ *&'. Se/' p#r$ re#$e' $

$+e %,es$e$ p#$$ers * %,es$rs .$+#$ %s re#$e' $ $+e #! r $+e *#/$rs +%/+ +e $#4es &'er

/s%'er#$% +%e %,es$%" % &$ *&'s. T+%r' p#r$ /s%'ers +%/+ s/+ee %s e$$er #//r'%" $

%,es$rs. 6r $+%s $+e %,es$r //ers $+e #',%srs7 *r%e' #' /s&$ $+e ,#r%&s res&r/es *r +ere

+e "e$ $+e +ep *r %,es$%" % $+e ,#r%&s s/+ees. T+e #s$ p#r$ /$#%s $+e %,es$rs8 per/ep$%s

#&$ e,e * s#$%s*#/$% +%e %,es$%" % &$ *&'s.. C&rre$! $+ere #re re $+# 2500 s/+ees

%$+ ,#r%e' 3e/$%,es #' AMCs #re /pe$%" #"#%s$ e#/+ $+er ! #&/+%" e pr'&/$s r

reps%$%%" ' es. M6 %'&s$r! $'#! %s *#/%" /pe$%$% $ ! *r %$+% $+e %'&s$r! &$ #s

*r $+er *%#/%# pr'&/$s %4e %s&r#/e p%/%es pr'&/$ $+#$ pr,%'e #! * $+e s#e e/%/

*&/$%s #s &$ *&'s &$ #re $ s$r%/$! M6s. T+&s p#per #$$ep$s $ s$&'! $+e &$ *&' #s #

%,es$e$ -#,e&e see/$% e+#,%r * Re$#% I,es$rs + %,es$ % M&$ *&'s. S/+ees. A#!s%s

#' //&s% #se' $+e #/$ rese#r/+ * $+e $p%/.


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(A) MUTUAL FUND

1. INTRODUCTION

A M&$ 6&' %s # $r&s$ $+#$ ps $+e s#,%"s * # &er * %,es$rs + s+#re # / *%#/%#

"#. T+e e! $+&s /e/$e' %s %,es$e' ! $+e *&' ##"er % '%**ere$ $!pes * se/&r%$%es

'epe'%" &p $+e 3e/$%,e * $+e s/+ee. T+ese /&' r#"e *r s+#res $ 'ee$&res $ e!

#r4e$ %s$r&e$s. T+e %/e e#re' $+r&"+ $+ese %,es$e$s #' $+e /#p%$# #ppre/%#$%s

re#%e' ! $+e s/+ee #re s+#re' ! %$s &%$ +'ers % prpr$% $ $+e &er * &%$s e' !

$+e (pr r#$#). T+&s # M&$ 6&' %s $+e s$ s&%$#e %,es$e$ *r $+e / # #s %$ **ers #

ppr$&%$! $ %,es$ % # '%,ers%*%e' pr*ess%#! ##"e' pr$*% #$ # re#$%,e! /s$.

A!'! %$+ # %,e$%e s&rp&s * #s %$$e #s # *e $+&s#' r&pees /# %,es$ % M&$ 6&'s.

E#/+ M&$ 6&' s/+ee +#s # 'e*%e' %,es$e$ 3e/$%,e #' s$r#$e"!

A M&$ *&' %s $+e %'e# %,es$e$ ,e+%/e *r $'#!8s /pex #' 'er *%#/%#

s/e#r%. M#r4e$s *r e&%$! s+#res 's #' $+er *%xe' %/e %s$r&e$s re# es$#$e 'er%,#$%,es

#' $+er #sse$s +#,e e/e #$&re #' %*r#$% 'r%,e. 9r%/e /+#"es % $+ese #sse$s #re 'r%,e

! "# e,e$s //&rr%" % *#r##! p#/es. A $!p%/# %'%,%' %s &%4e! $ +#,e $+e 4e'"e

s4%s %/%#$% #' $%e $ 4eep $r#/4 * e,e$s &'ers$#' $+e%r %p%/#$%s #' #/$ spee'%!. A

%'%,%' #s *%'s %$ '%**%/&$ $ 4eep $r#/4 * ers+%p * +%s #sse$s %,es$e$s r4er#"e '&es

#' #4 $r#s#/$%s e$/.

A 'r#*$ **er '/&e$ %s $ e prep#re' #$ $+e $%e * #&/+%" $+e *&'. T!p%/#! %$ pre

spe/%*%es $+e %,es$e$ 3e/$%,es * $+e *&' $+e r%s4 #ss/%#$e' $+e /s$s %,,e' % $+e pr/ess

#' $+e r#' r&es *r e$r! %$ #' ex%$ *r $+e *&' #' $+er #re#s * per#$%. I I'%# #s %

s$ /&$r%es $+ese spsrs ee' #ppr,# *r # re"$r SEBI (Se/&r%$%es ex/+#"e B#r' *

I'%#) % &r /#se. SEBI 4s #$ $r#/4 re/r's * $+e spsr #' %$s *%#/%# s$re"$+ % "r#$%"

#ppr,# $ $+e *&' *r /e/%" per#$%s.

A spsr $+e +%res # #sse$ ##"ee$ /p#! $ %,es$ $+e *&'s #//r'%" $ $+e

%,es$e$ 3e/$%,e. I$ #s +%res #$+er e$%$! $ e $+e /&s$'%# * $+e #sse$s * $+e *&' #'

per+#ps # $+%r' e $ +#'e re"%s$r! r4 *r $+e &%$ +'ers (s&s/r%ers) * $+e *&'.

I $+e I'%# /$ex$ $+e spsrs pr$e $+e Asse$ M##"ee$ Cp#! #s % +%/+ %$

+'s # #3r%$! s$#4e. I #! /#ses # spsr /# +' # 100: s$#4e % $+e Asse$ M##"ee$

Cp#! (AMC). E.". B%r# ;# 6%#/e %s $+e spsr * $+e B%r# S& L%*e Asse$ M##"ee$


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Cp#! L$'. +%/+ +#s *#$e' '%**ere$ &$ *&'s s/+ees #' #s #/$s #s # #sse$ ##"er *r

$+e *&'s /e/$e' &'er $+e s/+ees.

C,$'$(+e'"#+"(#:

A &$ *&' #/$! e"s $ $+e %,es$rs + +#,e pe' $+e%r *&'s.

A &$ *&' %s ##"e' ! %,es$e$ pr*ess%#s #' $+er ser,%/e pr,%'ers + e#r # *ee *r $+e%r

ser,%/es *r $+e *&'.

T+e p * *&'s %s %,es$e' % # pr$*% * #r4e$#e %,es$e$s. T+e ,#&e * $+e pr$*% %s &p'#$e'

e,er! '#!.

T+e %,es$r8s s+#re % $+e *&' %s 'e%#$e' ! . MUTUAL FUND STRUCTURE


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T,e S+'(+'e Con#"#+#:

T+e s$r&/$&re * &$ *&'s % I'%# %s ",ere' ! $+e SEBI Re"$%s 1??@. T+ese re"$%s

#4e %$ #'#$r! *r &$ *&'s $ +#,e # >-$%er s$r&/$&re * Spsrs-Tr&s$ee-AMC (Asse$

M##"ee$ Cp#!). T+e Spsr %s $+e pr$er * &$ *&' #' #pp%$s $+e Tr&s$ee. T+e

Tr&s$ees #re resps%e $ $+e %,es$rs % $+e &$ *&'s #' #pp%$ $+e AMC *r ##"%" $+e


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%,es$e$ pr$*%. T+e AMC %s $+e &s%ess *#/e * $+e &$ *&'s #s %$ ##"es # $+e #**#%rs

* &$ *&'s. T+e &$ *&'s #' AMC +#,e $ e re"%s$ere' ! $+e SEBI.

S&on#o'

Spsr %s $+e pers + #/$%" #e r % /%#$% %$+ #$+er '! /rpr#$e es$#%s+es #

&$ *&'. Spsr &s$ /$r%&$e #$ e#s$ 0: * $+e e$ r$+ * $+e I,es$e$ M##"e' #' ee$

$+e e%"%%%$! /r%$er%# pres/r%e' &'er $+e Se/&r%$%es #' Ex/+#"e B#r' * I'%# (M&$ 6&'s)

Re"$%s [email protected]+e Spsr %s $ resps%e r %#e *r #! ss r s+r$*# res&$%" *r $+e

per#$% * $+e S/+ees e!' $+e %%$%# /$r%&$% #'e ! %$ $#r's se$$%" &p * $+e M&$ 6&'

T'#+

T+e M&$ 6&' %s /s$%$&$e' #s # $r&s$ % #//r'#/e %$+ $+e pr,%s%s * $+e I'%# Tr&s$s A/$ 12

! $+e Spsr. T+e $r&s$ 'ee' %s re"%s$ere' &'er $+e I'%# Re"%s$r#$% A/$ 1?0.

T'#+ee

Tr&s$ee %s &s! # /p#! (/rpr#$e '!) r # B#r' * Tr&s$ees ('! * %'%,%'s). T+e #%

resps%%%$! * $+e Tr&s$ee %s $ s#*e"r' $+e %$eres$ * $+e &%$ +'ers #' %$er-#%# es&re $+#$ $+e

AMC *&/$%s % $+e %$eres$ * %,es$rs #' % #//r'#/e %$+ $+e Se/&r%$%es #' Ex/+#"e B#r' *

I'%# (M&$ 6&'s) Re"$%s 1??@ $+e pr,%s%s * $+e Tr&s$ Dee' #' $+e O**er D/&e$s * $+e

respe/$%,e S/+ees. A$ e#s$ 27>r' '%re/$rs * $+e Tr&s$ee #re %'epe'e$ '%re/$rs + #re $

#ss/%#$e' %$+ $+e Spsr % #! #er.

A##e+ M$n$!e9en+ Co9&$n0 AMC;

T+e AMC %s #pp%$e' ! $+e Tr&s$ee #s $+e I,es$e$ M##"er * $+e M&$ 6&'. T+e AMC %s

re&%re' $ e #ppr,e' ! $+e Se/&r%$%es #' Ex/+#"e B#r' * I'%# (SEBI) $ #/$ #s # #sse$

##"ee$ /p#! * $+e M&$ 6&'. A$ e#s$ 50: * $+e '%re/$rs * $+e AMC #re %'epe'e$

'%re/$rs + #re $ #ss/%#$e' %$+ $+e Spsr % #! #er. T+e AMC &s$ +#,e # e$ r$+ * #$e#s$ 10 /rres #$ # $%es.

Re!"#+'$' $n T'$n#)e' A!en+


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MUTUAL

FUND OPERATION

INVESTOR

MANAGE

ASS TO INVESTO RS

STOCKES AND SECURITGENERATE

5.TYP D

T+e AMC %* s #&$+r%e' ! $+e Tr&s$ Dee' #pp%$s $+e Re"%s$r#r #' Tr#s*er A"e$ $ $+e M&$

6&'. T+e Re"%s$r#r pr/esses $+e #pp%/#$% *r re'ep$% re&es$s #' '%sp#$/+es #//&$

s$#$ee$s $ $+e &%$ +'ers.

C#+o"$n

A /&s$'%# +#'es $+e %,es$e$ #/4 **%/e * # &$ *&'. I$s resps%%%$%es %/&'e re/e%p$ #'

'e%,er! * se/&r%$%es /e/$% * %/e '%s$r%&$% * '%,%'e's #' se"re"#$% * #sse$s e$ee

s/+ees. T+e spsr * # &$ *&' /#$ #/$ #s # /&s$'%# $ $+e *&'. 6r ex#pe De&$s/+e B#4

%s # /&s$'%# &$ %$ /#$ ser,%/e De&$s/+e M&$ 6&' %$s &$ *&' #r.

De&o#"+o'0

I'%# /#p%$# #r4e$s #re ,%" ##! *r +#,%" p+!s%/# /er$%*%/#$es *r se/&r%$%es $ ers+%p *

$+ese se/&r%$%es %


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A M&$ 6&' #! *#$ se,er# s/+ees +%/+ #! e /#ss%*%e' $+e #s%s * %$s s$r&/$&re %$s

%,es$e$ 3e/$%,es #' $+er 3e/$%,es.

O&en 4 Ene S(,e9e#

As $+e #e %p%es $+e s%e * $+e s/+ee (*&') %s pe %.e. $ spe/%*%e' r pre-'e$er%e'. E$r! $

$+e *&' %s ##!s pe $+e %,es$r + /# s&s/r%e #$ #!$%e. S&/+ *&' s$#'s re#'! $ &! r se

%$s se/&r%$%es #$ #!$%e. T+e 4e! *e#$&re * Ope-e'e' s/+ees %s L%&%'%$!. I$ %p%es $+#$ $+e

/#p%$#%#$% * $+e *&' %s /s$#$! /+#"%" #s %,es$rs se r &! $+e%r s+#res. 6&r$+er $+e s+#res

r &%$s #re r#! $ $r#'e' $+e s$/4 ex/+#"e &$ #re rep&r/+#se' ! $+e *&'s #$ #&/e'

r#$es. Ope-e'e' s/+ees +#,e /p#r#$%,e! e$$er %&%'%$! 'esp%$e $+e *#/$ $+#$ $+ese #re $ %s$e'.

T+e re#s %s $+#$ %,es$rs /# #! $%e #ppr#/+ &$ *&' *r s#e * s&/+ &%$s. N %$ere'%#r%es

#re re&%re'. Mre,er $+e re#%#e #&$ %s /er$#% s%/e rep&r/+#se %s #$ # pr%/e #se' 'e/#re'

e$ #sse$ ,#&e (NA=). T+e pr$*% %x * s&/+ s/+ees +#s $ e %,es$e$s +%/+ #re #/$%,e!

$r#'e' % $+e #r4e$. O$+er%se %$ % $ e pss%e $ /#/$e NA=. T+%s %s $+e re#s $+#$ "eer#!

pe-e'e' s/+ees #re e&%$! #se'. I Ope-e'e' s/+ees $+e p$% * '%,%'e' re%,es$e$ %s

#,#%#e.

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Clo#e-Ene S(,e9e#

A Cse e'e' s/+ees +#,e # 'e*%%$e per%' #*$er +%/+ $+e%r s+#res7&%$s #re re'eee'. T+e s/+ee

%s pe *r s&s/r%p$% ! '&r%" # spe/%*%e' per%' #$ $+e $%e * #&/+ * # s/+ee. I,es$rs /#

%,es$ % $+e s/+ee #$ $+e $%e * $+e %%$%# p&%/ %ss&e #' $+ere#*$er $+e! /# &! r se $+e &%$s *

$+e s/+ee $+e s$/4 ex/+#"es +ere $+e &%$s #re %s$e'. I r'er $ pr,%'e # ex%$ r&$e $ $+e

%,es$rs se /se-e'e' *&'s "%,e # p$% * se%" #/4 $+e &%$s $ $+e &$ *&' $+r&"+

per%'%/ rep&r/+#se #$ NA= re#$e' pr%/es. I $+ese $!pes * s/+ees $+e s%e * $+e *&' 4ep$ $ e

/s$#$. SEBI re"$%s s$%p$e $+#$ #$ e#s$ e * $+e $ ex%$ r&$es %s pr,%'e' $ $+e %,es$r %.e.

e%$+er rep&r/+#se *#/%%$! r $+r&"+ %s$%" s$/4 ex/+#"es. T+ese &$ *&'s s/+ees '%s/se

NA= "eer#! ee4! #s%s.

In+e'/$l #(,e9e#

I$er,# S/+ees /%e $+e *e#$&res * $+ pe-e'e' #' /se-e'e' s/+ees. T+e! #re pe *r

s#e r re'ep$% '&r%" pre-'e$er%e' %$er,#s #$ NA= #se' pr%/es.

M+$l Fn #(,e9e# .0 In/e#+9en+ O.


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#! se/$% 0/ %s$r&e$s #" %$+ $+e re ppr 'e$ p$%s %4e $+e 996 NSC #'

%*r#s$r&/$&re 's. I $+%s Se/$% 0/ "r&p%". ELSS %s &%&e. Be%" $+e ! %s$r&e$ $ **er #

$$# e&%$! exps&re.

1. 62Ine% Fn: A %'ex *&' %s # '%,ers%*%e' e&%$! *&' %$+ # '%**ere/e- # *&' ##"er +#s

#s&$e! s#! % s$/4 see/$%. A$ # $%es $+e pr$*% * # %'ex *&' %rrrs # %'ex $+

% %$s /+%/e * s$/4s #' $+e%r per/e$#"e +'%". As * M#r/+ 200 e&%$! %'ex *&'s $r#/4e'

e%$+er $+e Sesex r $+e N%*$!. S # %'ex *&' $+#$ %rrrs $+e Sesex % %,es$ ! % $+e >0

Sesex s$/4s +%/+ $ % $+e s#e prpr$% #s $+e%r e%"+$ #"e % $+e %'ex.

52Se(+o' Fn: Se/$r *&'s %,es$ % s$/4s *r ! e se/$r r # +#'*& * se/$rs. T+e

3e/$%,e %s $ /#p%$#%e $+e s$r! % $+e se/$rs #' **er %,es$rs # %' $ pr*%$ *r s&/+

ppr$&%$%es. I$8s # ,er! #rr */&s e/#&se * +%/+ se/$r *&'s #re /s%'ere' $+e r%s4%es$

#" # e&%$! *&'s.

2. M" 4 C$& Fn: T+ese #re '%,ers%*%e' *&'s $+#$ $#r"e$ /p#%es $+e *#s$ "r$+ $r#3e/$r!.

I $+e " r& s+#re pr%/es #re 'r%,e ! "r$+ % # /p#!8s $&r,er #' pr*%$s. M#r4e$ p#!ers

re*er $ $+e #s "l+ Fn# I,es$ $+e%r /rp&s % se/&r%$%es %ss&e' ! ;,ere$ ppr! 4 #s ;OI 'e$

p#pers. T+ese 6&'s /#rr! er De*#&$ r%s4 &$ #re #ss/%#$e' %$+ I$eres$ R#$e r%s4. T+ese s/+ees

#re s#*er #s $+e! %,es$ % p#pers #/4e' ! ;,ere$.


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52In(o9e Fn# I/e *&'s #% $ #x%%e 'e$ re$&rs *r $+e e'%& $ "er $er.

I,es$ # #3r pr$% %$ ,#r%&s 'e$ %s$r&e$s s&/+ #s 's /rpr#$e 'ee$&res #'

;,ere$ se/&r%$%es.

52MIP# I,es$s #r&' 0: * $+e%r $$# /rp&s % 'e$ %s$r&e$s +%e $+e res$ * $+e pr$%%s %,es$e' % e&%$%es. I$ "e$s ee*%$ * $+ e&%$! #' 'e$ #r4e$. T+ese s/+ee r#4s s%"+$!

+%"+ $+e r%s4-re$&r #$r%x +e /p#re' %$+ $+er 'e$ s/+ees.

1. S,o'+ Te'9 Pl$n# STP#;: Me#$ *r %,es$rs %$+ # %,es$e$ +r% * >-@ $+s.

T+ese *&'s pr%#r%! %,es$ % s+r$ $er p#pers %4e Cer$%*%/#$e * Deps%$s (CDs) #'

Cer/%# 9#pers (C9s). Se pr$% * $+e /rp&s %s #s %,es$e' % /rpr#$e

'ee$&res.

2. L"?" Fn#: As 4 #s Me! M#r4e$ S/+ees T+ese *&'s #re e#$ $ pr,%'e

e#s! %&%'%$! #' preser,#$% * /#p%$#. T+ese s/+ees %,es$ % s+r$-$er %s$r&e$s %4e

Tre#s&r! B%s %$er-#4 /# e! #r4e$ e$/. T+ese *&'s #re e#$ *r s+r$-$er /#s+

##"ee$ * /rpr#$e +&ses #' #re e#$ *r # %,es$e$ +r% * 1'#! $ >

$+s. T+ese s/+ees r#4 r%s4-re$&r #$r%x #' #re /s%'ere' $ e $+e s#*es$

#"s$ # /#$e"r%es * &$ *&'s.

>. Flo$+"n! R$+e Fn# T+ese %/e *&'s #re re %s$e' *r %$eres$ r#$e $+# $+e%r

/,e$%# peers. I $+er r's %$eres$ r#$e /+#"es +%/+ /#&se $+e NA= * #/,e$%# 'e$ *&' $ " &p r ' +#,e %$$e r %p#/$ NA=s * *#$%" r#$e

*&'s.

BALANCED FUNDS

T+ese *&'s #s $+e #e s&""es$s #re # %x * $+ e&%$! #' 'e$ *&'s. T+e! %,es$ % $+

e&%$%es #' *%xe' %/e se/&r%$%es +%/+ #re % %e %$+ pre-'e*%e' %,es$e$ 3e/$%,e * $+e

s/+ee. T+ese s/+ees #% $ pr,%'e %,es$rs %$+ $+e es$ * $+ $+e r's. E&%$! p#r$

pr,%'es "r$+ #' $+e 'e$ p#r$ pr,%'es s$#%%$! % re$&rs. E#/+ /#$e"r! * *&' %s #/4e' ! #

%,es$e$ p+%sp+! +%/+ %s pre'e*%e' % $+e % $+e 3e/$%,e * $+e *&'. T+e %,es$r /# #%"

+%s %,es$e$ ee' %$+ $+e *&' 3e/$%,es #' %,es$ #//r'%"!.

HYBRID FUNDS:-


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>'ow+, $n In(o9e Fn: S$r%4e # ##/e /#p%$# #ppre/%#$% #' %/e *r $+e %,es$rs. I $+ese *&'

pr$*% %s # %x e$ee /p#%es %$+ "' '%,%'e' p#!%" re/r' #' $+se %$+ p$e$%# /#p%$

#ppre/%#$%. T+ese *&'s #re ess r%s4! $+# "r$+ *&'s %$ re $+# %/e *&'s.

1

2


19/73

1) A##e+ Allo($+"on Fn: T+ese *&'s * ,#r%#e #sse$ #/#$% p%/!. T+ese ,e % # &$

* # #sse$ /#ss (e&%$! 'e$ e! #r4e$ r e,e -*%#/%# #sse$s). Asse$ #/#$% *&'s

#re $+se +%/+ * re s$#e #/#$% p%/%es %4e ##/e' *&'s. T+se +%/+ *ex%e

#/#$% p%/%es #re %4e #""ress%,e spe/$%,e *&'s.

2ADVANTA>ES OF MUTUAL FUND

Afordabil

it Di!"r#i$%ati

R"&'latio(

Vari"t

Ta)Pro*"##io(

al

M&$ 6&'s **er se,er# ee*%$s $ # %,es$r $+#$ #re $/+e' ! $+e $+er %,es$e$ p$%s.

L#s$ s%x !e#rs +#,e ee $+e s$ $&r&e$ #s e #s ex%$%" es *r $+e %'&s$r!. Ne p#!ers +#,e

/e % +%e $+ers +#,e 'e/%'e' $ /se s+p ! e%$+er se%" ** r er"%" %$+ $+ers. 9r'&/$

%,#$% %s p#ssF %$+ $+e "#e s+%*$%" $ per*r#/e 'e%,er! % *&' ##"ee$ #s e #s

ser,%/e. T+se '%re/$! #ss/%#$e' %$+ $+e *&' ##"ee$ %'&s$r! %4e '%s$r%&$rs re"%s$r#rs #'

$r#s*er #"e$s #' e,e $+e re"$rs +#,e e/e re #$&re #' resps%e.

1. A))o'$."l"+0 : S# %,es$rs %$+ %,es$e$ *&' #re e $ %,es$ % +%"+-"r#'e r

&e /+%p s$/4s. A %,es$r $+r&"+ M&$ 6&'s /# e ee*%$e' *r # pr$*%

%/&'%" * +%"+ pr%/e' s$/4.

2. D"/e'#")"($+"on : I,es$rs %,es$e$ %s spre#' #/rss '%**ere$ se/&r%$%es (s$/4s 's

e! #r4e$ re# es$#$e *%xe' 'eps%$s e$/.) #' '%**ere$ se/$rs (#&$ $ex$%e IT e$/.). T+%s

4%' * # '%,ers%*%/#$% #'' $ $+e s$#%%$! * re$&rs re'&/es $+e r%s4 *r ex#pe '&r%" e


20/73

13


21/73

per%' * $%e e&%$%es %"+$ &'er per*r &$ 's #' e! #r4e$ %s$r&e$s %"+$

' e ' e #' #! pr$e/$ pr%/%p# %,es$e$ #s e #s +ep $ ee$ re$&r 3e/$%,es.

>. V$'"e+0 : M&$ *&'s **er # $ree'&s ,#r%e$! * s/+ees. T+%s ,#r%e$! %s ee*%/%# %

$ #!s *%rs$ %$ **ers '%**ere$ $!pes * s/+ees $ %,es$rs

. P'o)e##"on$l M$n$!e9en+: M&$ 6&'s ep! $+e ser,%/es * exper%e/e' #' s4%e' pr*ess%#s

#' 'e'%/#$e' %,es$e$ rese#r/+ $e#. T+e +e $e# ##!ses $+e per*r#/e #' ##/e s+ee$ *

/p#%es #' see/$s $+e $ #/+%e,e $+e 3e/$%,es * $+e s/+ee.

5. T$% Bene)"+#: Depe'%" $+e s/+ee * &$ *&'s $#x s+e$er %s #s #,#%#e. As per

$+e U% B&'"e$-?? %/e e#re' $+r&"+ '%,%'e's *r &$ *&'s %s 100: $#x *ree.

U'er ELSS * pe-e'e' e&%$!-r%e$e' *&'s # exep$% %s pr,%'e' &p $ Rs.

1000007- &'er se/$% 0C.

@. Re!l$+"on: A M&$ 6&'s #re re"%s$ere' %$+ SEBI #' $+e! *&/$% %$+% $+e

pr,%s%s * s$r%/$ re"$%s 'es%"e' $ pr$e/$ $+e %$eres$s * %,es$rs. T+e per#$%s *

M&$ 6&'s #re re"r! %$re' ! SEBI.

. DISADVANTA>ES OF MUTUAL FUND:

T+e *%" #re $+e '%s#',#$#"es * %,es$%" $+r&"+ &$ *&'

No (on+'ol o/e' (o#+: S%/e %,es$rs ' $ '%re/$! %$r $+e *&'8s per#$%s $+e! /#$

/$r $+e /s$s e**e/$%,e!. Re"$rs $+ere*re &s! %%$ $+e expeses * &$ *&'s.

No +$"lo'-9$e &o'+)ol"o: M&$ *&' pr$*%s #re /re#$e' #' #r4e$e' ! AMCs %$ +%/+

%,es$rs %,es$. T+e! /#$ #'e $#%r #'e pr$*%.

M$n$!"n! $ &o'+)ol"o o) )n#: As $+e &er * *&'s %/re#se % r'er $ $#%r # pr$*% *r

+%se* # %,es$r #! e +'%" pr$*% *&'s %$+ $+e /s$s * %$r%" $+e #' &s%"

+e e%" %/&rre' ! +%.

Del$0 "n Ree9&+"on: T+e re'ep$% * $+e *&'s $+&"+ +#s %&%'%$! % 2-+&rs $ > '#!s

$#4es *r# #pp%/#$% #s e #s ee's $%e *r re'ep$%. T+%s e/es /&erse *r $+e

%,es$rs.


22/73

14


23/73

Non-$/$"l$."l"+0 o) lo$n#: M&$ *&'s #re $ #//ep$e' #s se/&r%$! #"#%s$ #. T+e %,es$r /#$

'eps%$ $+e &$ *&'s #"#%s$ $#4%" #! 4%' * #4 #s $+&"+ $+e! #! e +%s #sse$s. 2 RISK

INVOLVED IN MUTUAL FUND :

THE RISK-RETURN TRADE-OFF

T+e s$ %pr$#$ re#$%s+%p $ &'ers$#' %s $+e r%s4-re$&r $r#'e-**. H%"+er $+e r%s4 "re#$er $+e

re$&rs7ss #' er $+e r%s4 esser $+e re$&rs7ss. He/e %$ %s &p $ !& $+e %,es$r $ 'e/%'e +

&/+ r%s4 !& #re %%" $ $#4e. I r'er $ ' $+%s !& &s$ *%rs$ e ##re * $+e '%**ere$ $!pes * r%s4s

%,,e' %$+ !&r %,es$e$ 'e/%s%.

MARKET RISK:

Se$%es pr%/es #' !%e's * # se/&r%$%es r%se #' *#. Br#' &$s%'e %*&e/es #**e/$%" $+e #r4e$ %

"eer# e#' $ $+%s. T+%s %s $r&e #! %$ e %" /rpr#$%s r s#er %'-s%e' /p#%es. T+%s %s

4 #s M#r4e$ R%s4. A S!s$e#$%/ I,es$e$ 9# (GSI9) $+#$ r4s $+e //ep$ * R&pee Cs$

A,er#"%" (GRCA) %"+$ +ep %$%"#$e $+%s r%s4.

CREDIT RISK:

T+e 'e$ ser,%/%" #%%$! (#! %$ e %$eres$ p#!e$s r rep#!e$ * pr%/%p#) * # /p#! $+r&"+

%$s /#s+ *s 'e$er%es $+e Cre'%$ R%s4 *#/e' ! !&. T+%s /re'%$ r%s4 %s e#s&re' ! %'epe'e$ r#$%"

#"e/%es %4e CRISIL + r#$e /p#%es #' $+e%r p#per. A


24/73

15


25/73

+ere#s #


26/73

16


27/73

17

T+e e$ #sse$ ,#&e * $+e *&' %s $+e /&$%,e #r4e$ ,#&e * $+e #sse$s *&' e$ * %$s %#%%$%es. I

$+er r's %* $+e *&' %s '%ss,e' r %&%'#$e' ! se%" ** # $+e #sse$s % $+e *&' $+%s %s $+e

#&$ $+#$ $+e s+#re+'ers &' /e/$%,e! . T+%s "%,es r%se $ $+e //ep$ * e$ #sse$ ,#&e

per &%$ +%/+ %s $+e ,#&e represe$e' ! $+e ers+%p * e &%$ % $+e *&'. I$ %s /#/$e' s%p!

! '%,%'%" $+e e$ #sse$ ,#&e * $+e *&' ! $+e &er * &%$s. He,er s$ pepe re*er se!

$ $+e NA= per &%$ #s NA= %"r%" $+e per &%$. e #s #%'e ! $+e s#e /,e$%.

De)"n"+"on o) NAV

Ne$ Asse$ =#&e r NA= %s $+e s& $$# * $+e #r4e$ ,#&e * # $+e s+#res +e' % $+e pr$*%

%/&'%" /#s+ ess $+e %#%%$%es '%,%'e' ! $+e $$# &er * &%$s &$s$#'%". T+&s NA= * #

&$ *&' &%$ %s $+%" &$ $+e 4 ,#&e.

11.BASIC CONCEPTS OF LOADS :

1. En+'0 Lo$: T+e #' /+#r"e' #$ $+e $%e * %,es$e$ %s 4 #s e$r! #'. I$8s e#$ $

/,er $+e /s$ $+#$ $+e AMC spe's % $+e pr/ess * #/&%r%" s&s/r%er8s /%ss% p#!#e

$ r4ers #',er$%see$s re"%s$er expeses e$/. T+e #' %s re/,ere' ! #! * /+#r"%" # s#e

pr%/e +%"+er $+# $+e pre,#%%" NA=.

2. E%"#+ Lo$: Se AMC ' $ /+#r"e # e$r! #' &$ $+e! /+#r"e' # ex%s$ #' %.e. $+e!'e'&/$ # #' e*re p#!%" &$ $+e re'ep$% pr/ee's. 9s!/+"%/#! %,es$rs #re &/+

re %%" $ p#! ex%s$ #'s #s /p#re' $ e$r! #'s.

>. Un"+: U%$s e# $+e %,es$e$ * $+e &%$ +'ers % # s/+ee. E#/+ &%$ represe$s e

&'%,%'e' s+#re % $+e #sse$s * # s/+ee. T+e ,#&e * e#/+ &%$ /+#"es 'epe'%" $+e

per*r#/e * $+e *&'.

MUTUAL FUND PLAYERS;SOLD BY OUR COMPANY:

T+e I'%# &$ *&' %'&s$r! %s #%! '%,%'e' %$ $+ree 4%'s * /#$e"r%es. T+ese /#$e"r%es %/&'e

p&%/ se/$r p#!ers #$%#%e' #4s #' pr%,#$e se/$r #' *re%" p#!ers.UTI M&$ 6&'

#s e * $+e e#'%" M&$ 6&' /p#%es % I'%# $% M#! 200@ %$+ # /rp&s * re $+#

Rs.>1 000 Crre #' %$ %s $+e p&%/ se/$r &$ *&'. B#4 * B#r'# 9&3# N#$%# B#4

C# B#4 #' SBI #re $+e #3r #$%#%e' #4s &$ *&'. A$ prese$ &$ *&'

%'&s$r! %s #%! '%#$e' ! pr%,#$e #' *re%" se/$r p#!ers +%/+ %/&'e #3r p#!ers


28/73

%4e 9r&'e$%# ICICI M&$ 6&' HD6C M&$ 6&' Re%#/e M&$ 6&' e$/. #re pr%,#$e

se/$r &$ *&'s p#!ers +%e 6r#4% Tepe$ e$/. #re #3r *re%" &$ *&' p#!ers.

A$ prese$ $+ere #re re $+# >> p#!ers per#$%" % I'%#. T+e r%e* %$r'&/$% * #3r

p#!ers %s "%,e #s *s.

ABN AMRO B$n@ M+$l Fn B"'l$ Sn L")e M+$l Fn

HSBC M+$l Fn HDFC M+$l Fn

IN> V0#0$ M+$l Fn P'en+"$l ICICI M+$l Fn

S$,$'$ M+$l Fn S+$+e B$n@ o) In"$ M+$l Fn

T$+$ M+$l Fn Ko+$@ M$,"n'$ M+$l Fn

Rel"$n(e M+$l Fn S+$n$' C,$'+e'e M+$l Fn

F'$n@l"n Te9&le+on In"$ M+$l Fn Mo'!$n S+$nle0 M+$l Fn

E#(o'+# M+$l Fn Ben(,9$'@ M+$l Fn

C$n .$n@ M+$l Fn C,ol$ M+$l Fn

LIC M+$l Fn >IC M+$l Fn


29/73

C; RESEARCH METHODOLO>Y

1. RESEARCH PROBLEM:

T 4 %,es$r8s e+#,%r re"#r'%" &$ *&' #s # %,es$e$ #,e&e.

2. RESEARCH OBJECTIVES PRIMARY; :

T 4 %,es$r8s e+#,%r re"#r'%" &$ *&' #s # %,es$e$ #,e&e.

RESEARCH OBJECTIVES SECONDARY;

o T %'e$%*! $+e 3e/$%,es * $+e %,es$rs *r %,es$%" % # &$ *&'.

o T %'e$%*! $+e %,es$e$ p#$$ers * %,es$rs.

o T *%' &$ +%/+ s/+ee %s e$$er #//r'%" $ %,es$rs.

o T s$&'! %,es$rs8 per/ep$%s #&$ e,e * s#$%s*#/$% +%e %,es$%" % &$ *&'s.

>. RESEARCH PLAN :

DATA SOURCE

e +#,e &se' pr%#r! '#$# s&r/e $ /e/$ $+e '#$# re"#r'%" %,es$rs8 e+#,%r *r &$ *&' #s

# %,es$e$ #,e&e. T+e s&r,e! #s /'&/$e' #/rss 9ANCHKULA CIT(HARANA).

RESEARCH APPROACH

S&r,e! #ppr#/+ #s &'er $#4e $ 4 $+e e+#,%r * %,es$r re"#r'%" &$ *&' #s #

%,es$e$ #,e&e.

RESEARCH INSTRUMENT

&es$%#%re #s $+e %s$r&e$ * /e/$%" '#$#


30/73

20

SAMPLIN> PLAN

S$9&le n"+

A $+e %,es$rs + #re //#s%#! r re"r! %,es$%" % *%#/%# #sse$s #' -*%#/%# #sse$s

S$9&le #"e:

S&r,e! pp$% /pr%ses * $+e $$# rep&$e' &s%ess# 9r*ess%#s #' %'%,%' %,es$r #s

#pprx P0.

S$9&l"n! 9e+,o:

I $+%s s$&'! #s s&""es$e' ! $+e /p#! # s#pe * rep&$e' B&s%ess# 9r*ess%#s #' %'%,%'

%,es$r8s #s see/$e' #' %$ #s see/$e' +,'o!, non-&'o.$."l"+0* (on/en"en(e #$9&l"n! 9e+,o.

Be/#&se # $+e B&s%ess# 9r*ess%#s #' %'%,%' %,es$r8s /&' $ e %$er,%ee' #s per &r

re&%ree$ &$ #//r'%" $ $+e%r #,#%#%%$! #' #//ess%%%$! e ee$ $+e.

Con+$(+ 9e+,o

T+e $$# s#pe s%e *r s&r,e! #s P0 %,es$rs ! pers# %$er,%e


31/73

21

. SURVEY ANALYSIS AND INTERPRETATION :

>ENDER

T+ere #re 6 )e9$le# #' 869$le# #s resp'e$s

M$le 86

Fe9$le 6

S&r,e! s+s ! 2P : * $+e *e#e #re %$eres$e' % %,es$e$s '&e $ $+e%r r4%" #/4"r&'s r

+%"+ %/es *r $+er res&r/es e$/.

=62 w,$+ "# 0o' $!e


32/73

A>E

PARTICULARS NO2

20->0 >?

>0-0 10

0-50 P

50-@0 ?

@0-ABO=E 5

TOTAL 7

6r $+e #,e $#e e /# s#! $+#$ ##reess *r %,es$e$ % !&"s$er +#s ee %/re#se' Q$+#$8s +! &$ * 100 @: #re !&"s$er + ' %,es$e$ #' $+e! /e % $+e #"e "r&p *

20->0 $+e /es #"e "r&p * >0-0 *r +%/+ 1@: pepe ' %,es$e$ #' $+er #"e "r&p

#re 0-50 +ere $+e! ' %,es$e$ * 1>: 1:e"s $ #"e "r&p * 50-@0 $+e! ' $+e

%,es$e$ #' 11:e"s $ $+e #"e "r&p *@0-#,e $+e! ' $+e%r %,es$e$. e /# s#!

$+#$ !&"s$ers #re re /#re*& *r $+e%r %,es$e$.


33/73

=5 2w,$+ "# 0o' &'o)e##"on

PROFESSION

PARTICULARS NO2

BUSINESS 5

JOB IN 9RI=ATE SECTOR 5

JOB IN 9UBLIC SECTOR 1P

OTHERS 1

TOTAL 7

N P0 pepe '%" %,es$e$ &$ * +%/+ 51: pepe #re *r pr%,#$e se/$r 21: #re *r p&%/

se/$r ?: #re +#,%" $+e%r &s%ess #' 1?: #re $+ers +%/+ %/&'e re$%re' pepe +&se%,es #'

s$&'e$. Re#s *r %,es$e$ ! # pepe #s $ se/&re $+e *&$&re #' re#s "%,e ! pepe '%"

$+e 3 % pr%,#$e #s $+e%r +%"+er s##r! #' &se/&re' 3.


34/73

= Do 0o "n/e#+ "n 9+$l )n

PARTICULARS

ES @5

NO 5

TOTAL 7

6rP0pepe@2: * $+e #re '%" %,es$e$ % &$ *&' #' >: * $+e #re $ %,es$%" %

&$ *&' &$ $+e! ' %,es$e$ % $+er se/$rs *r +%/+ %*r#$% %s "%,e % $+e ex$ &es$%.


35/73

9epe + ere $ %,es$%" % &$ *&' $+e! ' %,es$ % se/$rs %4e %s&r#/e e&%$!

#r4e$ ",ere$ s/+ees (%/&'es #4s 's Q$+er s/+ee ) re# es$#$e /'%$%es

e,e pepe $+se + ' %,es$ % &$ *&' $+e! #s %,es$ % '%**ere$ se/$rs. O&$ * P0:

: pepe ' %,es$ % e&%$! #r4e$ >P: %,es$ % %s&r#/e : % ",ere$ s/+ee P:

' %,es$ % re# es$#$e #' : ' %,es$ % /'%$%es. 9epe ' %,es$ % e&%$! #r4e$ '&e $

+%"+er re$&rs #,#%#e % %$.

=82 R$n@ +,e (o9&$n0 $((o'"n! +o 0o' &'e)e'en(e )'o9 +o& 6; +o .o++o9 66;

RANK THE MF FROM TOP 6 TO BOTTOM 66

PARTICULARS NO

RELIANCE >0

BIRLA >

TATA 5

LOTUS 2

SBI 5

HD6C 5

ICICI 2

6RANKLIN TEM9. >

SUNDARAM 2

UTI 2

BENCHMARK 1


36/73

NOT IN=ESTED 10

TOTAL 7

9epe + ere %,es$%" % &$ *&' +#' "%,e $+e r#4 $ '%**ere$ &$ *&' /p#%es $+e

#s%s * +#$ $+e! $+%4 #&$ $+#$ p#r$%/r /p#! #' +#' "%,e r#4s $ '%**ere$ /p#%es. Here

% $+%s '#$# >: pepe +#' "%,e re%#/e #s 1s$ r#4 #' $+e se/' +%"+es$ %s HD6C +ere 10: pepe

+#s "%,e %$ #s 1s$ r#4 #' $+e re#ss e+%' "%,%" 1s$ r#4 ere $+e%r re$&r "' /re'%$ % #r4e$ #'

$#x s#,%" ee*%$.

=2 I) 0o $'e "n/e#+"n! "n 9+$l )n +,en 0o "n/e#+ "n

INVEST IN MF SCHEME WISE

PARTICULARS NO2

O9EN ENDED SCHEME >0

CLOSE ENDED SCHEME 20

BOTH 5

NOT IN=ESTED 15

TOTAL 7

T+ere #re $ s/+ee % &$ *&' 1 %s pe e'e' #' #$+er %s /se e'e' s/+ee % pe e'e'

s/+ee #*$er se $%e # %,es$r /# %$+'r# e! #$ #! $%e +%e % /se e'e' s/+ee $+e


37/73

%,es$r /# %$+'r# #*$er # *%xe' per%' * $%e. Here 2: pepe %,es$ % pe e'e' s/+ee +%e

2: pepe %,es$ % /se e'e' s/+ee #' P: ' %,es$ % $+ pe e'e' #' /se e'e' s/+ee.

=G 2Do 0o +$@e $n0 'e)e'en(e w,"le "n/e#+"n! "n 9+$l )n #(,e9e# ") 0e# +,en )'o9 w,o9

62FINANCIAL ADVISOR

PARTICULARS

ET. IM9ORTANT >0

IM9ORTANT 20

NEUTRAL 1

UNIM9ORTANT 0

ET.UNIM9ORTANT 1

NOT. RES9ONDED 1

TOTAL 7

I $+%s &es$% %$ #s #s4e' $+#$ ' !& $#4e #! re*ere/e e*re %,es$%" r '&r%" #4e #! /+#"es

% !&r %,es$e$ $+e 1s$ p$% #s $+#$ + %pr$#$ %s *r !& $ $#4e re*ere/e *r *%#/%#

#',%sr $+e >: s#!s $+#$ %$ %s ex$ %pr$#$ $ $#4e re*ere/e *r *%#/%# #',%sr 2?: s#!s %$8s


38/73

%pr$#$ $ $#4e #',%/e *r $+e *%#/%# #',%sr. 9epe $#4e re*ere/e *r $+e *%#/%# #',%sr

e/#&se +e +#' s$&'%e' '%**ere$ s/+ees #' +e 4s +ere $ %,es$ #' $ $ %,es$.

5; BROKER

PARTICULARS

ET. IM9ORTANT 15

IM9ORTANT 15

NEUTRAL >

UNIM9ORTANT 0

ET.UNIM9ORTANT 2

NOT. RES9ONDED >5

TOTAL P0

11: pepe s#!s %$s ex$ %pr$#$ $ $#4e #',%/e *r # r4er e/#&se +e 4s #&$ # $+e s/+ee

+%/+ #re $+ere % $+e #r4e$11: s#!s $+#$ %$8s %pr$#$ $ $#4e #',%/e *r $+e r4er 2: #re e&$r#

#&$ %$.

; RELATIVES OR FRIEND


39/73

PARTICULARS

ET. IM9ORTANT 25

IM9ORTANT 15

NEUTRAL @

UNIM9ORTANT 1

ET.UNIM9ORTANT >

NOT. RES9ONDED 20

TOTAL 7

Se pepe ' $#4e re*ere/e *r $+e%r *r%e's #' re#$%,es $+ere #re 50: pepe + s#! %$s ex$

%pr$#$ $ $#4e re*ere/e *r !&r *r%e's #' re#$%,es 1: $+%4s %$8s %pr$#$ $ $#4e re*ere/e

#' @: #re e&$r# #' 1: s#!s &%pr$#$ #' 5: s#!s ex$ &%pr$#$ $ $#4e #! re*ere/e.


40/73

30

; NEWSPAPER MA>AINE

PARTICULARS

ET. IM9ORTANT 20

IM9ORTANT 10

NEUTRAL

UNIM9ORTANT 1

ET.UNIM9ORTANT 10

NOT. RES9ONDED 25

TOTAL P0


41/73

31

T+ere #re #! pepe + $#4e re*ere/e *r es p#per #' #"#%es +%e %,es$%" % &$

*&' 2@: pepe + $#4e re*ere/e *r esp#per #' #"#%es #' /s%'er %$ ex$ %pr$#$ +%e

2@: s#!s %$8s %pr$#$ $ $#4e re*ere/e +%e 21: #re e&$r# #' 11: #' 11: #re pepe + s#!s

%$s &%pr$#$ #' ex$ &%pr$#$ respe/$%,e! $ $#4e re*ere/e.

8; CO2 WEBSITE

PARTICULARS

ET. IM9ORTANT >

IM9ORTANT 10

NEUTRAL 2

UNIM9ORTANT 5

ET.UNIM9ORTANT 10

NOT. RES9ONDED 0

TOTAL 7


42/73

Here P: pepe s#!s $+e! $#4e $+e re*ere/e * respe/$%,e /8s es%$e +%e %,es$%" % &$ *&' #'

/s%'er %$ #s ex$ %pr$#$ #' P: s#! %$8s %pr$#$ $ $#4e re*ere/e *r /8 es%$e #' 50: pepe

#re $ resp'%" $ %$.

; AMFI WEBSITE

PARTICULARS

ET. IM9ORTANT 1

IM9ORTANT >

NEUTRAL >

UNIM9ORTANT >

ET.UNIM9ORTANT 10

NOT. RES9ONDED 50

TOTAL 7


43/73

1: pepe s#!s $+#$ %$s ex$ %pr$#$ $ $#4e re*ere/e * AM6I es%$e e*re %,es$%" % &$ *&'

2: s#! %$8s %pr$#$ $ $#4e re*ere/e P: pepe s#!s %$8s ex$ &%pr$#$ #' 50: pepe #re $

resp'%".

=2 Do 0o (o9&$'e +,e 'e+'n# o' o+,e' .ene)"+# o) 9) #(,e9e# .e)o'e "n/e#+"n!

ANNUAL REPORT CHECKIN>

PARTICULARS

ES 5

NO 5

NOT RES9ONDED 20

TOTAL 7


44/73

I$ %s e/ess#r! $ /p#re $+e re$&rs #' $+er ee*%$s e/#&se pepe ' %,es$ % *r +%"+er re$&rs s

$+e! /p#re %$+ $+er /p#%es #s. Here P5: pepe /p#re $+e re$&rs #' $+er ee*%$s *

&$ *&' s/+ee e*re #s e #s #*$er %,es$%" $ see + $+e%r %,es$e$ %s spre#' ,er %

'%**ere$ se"e$s.

=672 w,"(, )$(+o'# o 0o (on#"e' w,"le "n/e#+"n! "n 9+$l )n

62 SAFETY

PARTICULARS NO

ET. IM9. >@

IM9ORTANT 10

NEUTRAL >

UNIM9ORTANT 1

ET. UNIM9 0

NOT RES9ONDED 20

TOTAL 7


45/73

I,es$rs /s%'er '%**ere$ *#/$rs e*re %,es$e$ #' *r #! re#ss $+e! %,es$ % '%**ere$

s/+ee * &$ *&'. Here re#s *r %,es$e$ %s s#*e$! * $+e%r e! #' s#*e$! * $+e%r

*&$&re s 50: pepe /s%'er %$ ex$ %pr$#$ +%e 2@: pepe s#!s %$8s %pr$#$ *r $+e%r

%,es$e$.


46/73

M#! pepe /s%'er ,er! %pr$#$ $ %,es$ % &$ *&' $ s#,e $#x r $ $#4e $#x ee*%$.

T+ere*re 25: pepe /s%'er %$ #s ex$ %pr$#$ $ %,es$ % $#x s#,%" s/+ee +%e 2>:

pepe /s%'er %$ #s %pr$#$ *r %,es$e$: pepe #re e&$r# #&$ %$ 0: #' 1: /s%'er

%$ #s &%pr$#$ #' ex$ &%pr$#$. +%e >P: pepe #re $ resp'%" $ %$. Ms$ pr#!

e,er! /p#%es + #re % &$ *&' &s%ess +#,e s/+ees *r s#,%" $#x % $+ese s/+ees

"eer#! /p#%es ' %,es$ % ",$ 's #' $+er ",$. s/+ees.

52 RETURN EARNIN>S

PARTICULARS NO

ET. IM9. 0

IM9ORTANT ?

NEUTRAL 1

UNIM9ORTANT 0

ET. UNIM9 0

NOT RES9ONDED 20

TOTAL 7


47/73

;eer#! pepe %,es$ % &$ *&' /p#%es *r +%"+er re$&rs %$+ ess r%s4 #s /p#re e&%$!

#r4e$ #' /&' #e $ e#r "' re$&rs.5P: pepe #"ree $+#$ $+e! ' %,es$ % &$ *&' *r +%"+er

re$&rs #' /s%'er %$ #s ex$ %pr$#$ 1>: %,es$rs #re /s%'er%" %$ #s %pr$#$ +%e 2?: pepe

#re $ resp'%" $ %$.

2 LI=UIDITY

PARTICULARS NO

ET. IM9. 0

IM9ORTANT 10

NEUTRAL >

UNIM9ORTANT 0

ET. UNIM9 0

NOT RES9ONDED 1P

TOTAL 7


48/73

A,e "r#p+ re,e#s $+#$ #3r%$! * $+e %,es$rs e#s 5P: #re "%,%" %&%'%$! re ep+#s%s e/#&se

! $+e #! * pe e'e' s/+ee $+e! /# #! $%e %&%' $+e%r ps%$% 2: %,es$rs +#' "%,e

respse #&$ %$ +%e 15: * $+e %,es$rs #re "%,%" $+e e#s$ %pr$#/e #s /p#re $ 5P:

%,es$rs.

=662 How o 0o 9on"+o' +,e )ollow"n!2

62 NAV

PARTICULARS NO

MONTHL 2?

UARTEL >

HAL6 EARL @

EARL 5

NE=ER 2

NOT RES9ONDED 25

TOTAL 7


49/73

NA= %s $+e e$ #sse$ ,#&e * !&r %,es$e$ % &%$s $+#$ /es * e,er! ee4 ! $+%s !& /# /e $

4 + &/+ * !&r %,es$e$ +#s ee %/re#se' s %$ e/es e/ess#r! $ %$r &$ per%' *

%$r%" 'epe's %,es$r. Here 1: * %,es$r ' %$r $+! >: * %,es$rs %$rs

r$er! P: %$r +#* !e#r! ?: %$r !e#r!>: e,er %$r.

52 RISK FACTOR


50/73

40

PARTICULARS NO

MONTHL 1>

UARTEL 5

HAL6 EARL

EARL 2@

NE=ER 0

NOT RES9ONDED 1

TOTAL 7

R%s4 *#/$r %s e/ess#r! $ e %$r #$ /er$#% $%e per%' $+&"+ $+ere %s $ &/+ r%s4 % %,es$%" %&$ *&' #s /p#re $ e&%$! %,es$e$ &$ %$r%" %s e/ess#r! $ /+e/4 $+e re$&rs #' see

$+#$ $+e ##"e' prper!. Here 1>: * %,es$rs %$r %$ $+! @: * %,es$rs %$r %$

r$er! ?: ' +#* e#r! !e#r! #' 50: ' %$r !e#r!. R%s4 *#/$r %s %$re' e*re %,es$e$

#s $ /+e/4 $+e s/+ee #' $ see %$s per*r#/e.

2 PORTFOLIO OF


51/73

SECURITIES

PARTICULARS NO

MONTHL 5

UARTEL 2

HAL6 EARL 5

EARL >5

NE=ER 5

NOT RES9ONDED 1

TOTAL 7

9r$*% *r se/&r%$%es e#s +ere $+e / %,es$ % '%**ere$ se/$rs #s %$ %s 'e/%'e' % #',#/e s #*$er

#4%" 'e/%s% $+e AMC %,es$ #//r'%"! #' %$ %s ee %$re' prper $%e per%' #s re&%re' >:

* %,es$r ' %$r $+! 2: * %,es$r %$r r$er! : ' +#* !e#r! s$ pr#! 50:

* %,es$rs %$r %$ !e#r! #' : e,er %$r. I,es$r /+e/4 &$ pr$*% $ see +ere $+e%r

e! %s e%" %,es$e'.


52/73

2 PROFILE OF FUND

MANA>ER

PARTICULARS NO2

MONTHL >

UARTEL 0

HAL6 EARL 5

EARL 12

NE=ER 20

NOT RES9ONDED >0

TOTAL 7


53/73

6&' ##"er %s $+e pers + ##"e $+e *&' * %,es$r + +#' %,es$e' $+e%r e! % $+e%r

/p#! %$ %s e/ess#r! $+#$ $+e *&' ##"er s+&' e %*%e' e&"+ $ ##"er $+e *&' * $+e

%,es$r e/#&se %* +e *#%s $ ##"e $+e *&' $+e %,es$rs e! %s $ se/&re. S 2: %,es$rs %$r

pr*%e1: ' !e#r! #' 21: e,er %$r $+e pr*%e. ;eer#! %,es$rs %$r8s $+e pr*%e e*re

%,es$%".

=652 A'e +,e )ollow"n! "n)o'9$+"on 'ele/$n+ +o $n$l0e +,e &e')o'9$n(e o) 0o' "n/e#+9en+.

62MONTHLY RESULT

PARTICULARS NO

ET. RELE=ANT 10

RELE=ANT 5

NEUTRAL

IRRE=ENT 11

ET.IRRELE=ANT @

NOT RES9ONDED >0

TOTAL 7


54/73

Res&$s #re s+%" $+e per*r#/e * $+#$ p#r$%/r s/+ee #' %$ %s e/ess#r! $ %$r $+e

per*r#/e * $+e s/+ee ! $+%s e /# ##!e $+e ps%$% * &r %,es$e$. 6r $+#$ %,es$r ' $+e

%$r%" : * %,es$r /s%'er $+! res&$ ex$ ree,#$ $ %$r $+e per*r#/e * s/+ee

@: /s%'er %$ ree,#$ @: #re e&$r# : /s%'er %$ #s %rree,#$ #' : /s%'er %$ #s ex$ %rree,#$.

52=UARTELY RESULT

PARTICULARS NO2

ET. RELE=ANT

RELE=ANT

NEUTRAL 10

IRRE=ENT ?

ET.IRRELE=ANT

NOT RES9ONDED 2P

TOTAL 7


55/73

6r $+#$ %,es$r ' $+e %$r%" @: * %,es$r /s%'er r$er! res&$ ex$ ree,#$ $ %$r $+e

per*r#/e * s/+ee @: /s%'er %$ ree,#$ 1?: #re e&$r# P: /s%'er %$ #s %rree,#$ #' @:

/s%'er %$ #s ex$ %rree,#$.

2HALF YEARLY

PARTICULARS NO2

ET. RELE=ANT P

RELE=ANT ?

NEUTRAL 21

IRRE=ENT >

ET.IRRELE=ANT >

NOT RES9ONDED 2P

TOTAL 7


56/73

6r $+#$ %,es$r ' $+e %$r%" P: * %,es$r /s%'er +#* !e#r! res&$ ex$ ree,#$ $ %$r $+e

per*r#/e * s/+ee15: /s%'er %$ ree,#$ 1?: #re e&$r# 2: /s%'er %$ #s %rree,#$ #' 2:

/s%'er %$ #s ex$ %rree,#$.

2ANNUALY

PARTICULARS NO

ET. RELE=ANT 0

RELE=ANT >

NEUTRAL

IRRE=ENT >

ET.IRRELE=ANT 0

NOT RES9ONDED 20

TOTAL 7


57/73

6r $+#$ %,es$r ' $+e %$r%" 50: * %,es$r /s%'er #! res&$ ex$ ree,#$ $ %$r $+e

per*r#/e * s/+ee 2: /s%'er %$ ree,#$ >: #re e&$r# 2: /s%'er %$ #s %rree,#$ #' 0:

/s%'er %$ #s ex$ %rree,#$. Be/#&se # res&$ /$#%s e#/+ #' e,er! %*r#$% re"#r'%" $+e

per*r#/e * $+e AMC $+e %,es$e$s #' $+e pr$*% * +ere $+e / +#s %,es$e' s # $+e

%,es$rs %$rs $+e # repr$.

82NEWSPAPER

PARTICULARS NO2


58/73

NE+SPAPER

24%

50%5%

4%

16%

1% 0%

ET. RELE=ANT >>

RELE=ANT P

NEUTRAL @

IRRE=ENT 0

ET.IRRELE=ANT 2

NOT RES9ONDED 22

TOTAL 7

6r $+#$

%,es$r '

$+e

%$r%"

50: *

%,es$r

/s%'er

esp#per

ex$ ree,#$ $

%$r $+e

per*r#/e * s/+ee1@: /s%'er %$ ree,#$ 5: #re e&$r# 0: /s%'ers %$ #s %rree,#$ #' :

/s%'er %$ #s ex$ %rree,#$. Se %,es$rs /s%'er esp#per re ree,#$ $ "e$ $+e %*r#$% *

se,er# repr$s.

2AMFI WEBSITE

PARTICULARS NO

ET. RELE=ANT

RELE=ANT 20

NEUTRAL @

EXT. RELEVANT RELEVANT NEUTRAL

IRREVENT EXT.IRRELEVANT NOTRESPONDED


59/73

IRRE=ENT 2

ET.IRRELE=ANT ?

NOT RES9ONDED >0

TOTAL 7

6r $+#$ %,es$r ' $+e %$r%" : * %,es$r /s%'er AM6I es%$e ex$ ree,#$ $ %$r $+e

per*r#/e * s/+ee 21: /s%'er %$ ree,#$ @: #re e&$r# 1: /s%'ers %$ #s %rree,#$ #' 2:

/s%'er %$ #s ex$ %rree,#$. Se %,es$rs /s%'er AM6I es%$e ree,#$ $ "e$ $+e %*r#$% *

se,er# repr$s #' $+e ps%$% * $+#$ p#r$%/r AMC #' $+#$ p#r$%/r s/+ee.

2CO2 WEBSITE

PARTICULARS NO2

ET. RELE=ANT

RELE=ANT 25

NEUTRAL 5

IRRE=ENT 2


60/73

50

ET.IRRELE=ANT

NOT RES9ONDED >0

TOTAL 7

6r $+#$ %,es$r ' $+e %$r%" >: * %,es$r /s%'er /. es%$e ex$ ree,#$ $ %$r $+e

per*r#/e * s/+ee 21: /s%'er %$ ree,#$ 1: #re e&$r# 1: /s%'ers %$ #s %rree,#$ #' >:

/s%'er %$ #s ex$ %rree,#$. Se %,es$rs /s%'er /. es%$e ree,#$ $ "e$ $+e %*r#$% * se,er#

repr$s #' $+e ps%$% * $+#$ p#r$%/r AMC #' $+#$ p#r$%/r s/+ee.

=62 Do 0o (,e(@ o+ +,e $nn$l 'e&o'+# o) 0o' #(,e9e +o e/$l$+e +,e &e')o'9$n(e o) 0o'

#(,e9e

ANNUAL REPORT CHECKIN>

PARTICULARS

ES 5

NO 10


61/73

51

NOT RES9ONDED 15

TOTAL 7

I $+e # repr$ * $+e s/+ee # $+e %*r#$% * $+#$ p#r$%/r s/+ee #re "%,e %*r#$%

#&$ $+e per*r#/e * $+e s/+ee ps%$% * $+e s/+ee % $+e #r4e$ pr$*% * $+e s/+ee $+#$

+ere $+e %,es$e$ +#s ee 'e &'er $+%s s/+ee pr*%e * $+e *&' ##"er %s #s "%,e ! $+%s

$+e %,es$rs /# /e $ 4 $+e ps%$% #' %*%/#$% * $+e *&' ##"er. S s$ * $+e

%,es$rs #re %$r%" $+e # repr$.@: * $+e %,es$r ' %$r $+e # repr$ * $+e

s/+ee 22: ' $ %$r $+e # repr$.


62/73

=62 O.


63/73

#&$.5: * %,es$r +#s "%,e $#x s#,%" #s 1s$ r#4 e/#&se +%e %,es$%" % se p#r$%/r s/+ee

$+e%r #&$ %,es$e' %s #ppre/%#$e' #s e #s $+e! "e$ $+e $#x ee*%$1: +#s "%,e 1 s$ r#4 $ %&%'%$!

e/#&se $+e! /# %$+'r# $+e%r %,es$e$ #$ #! $%e % pe e'e' s/+ee.

=68 2In w,"(, MF #(,e9e# $'e 0o "n+e'e#+e +o "n/e#+ o' "n/e#+"n!

SCHEME INTEREST TO INVEST

PARTICULARS

LAR;E CA9 >?

MID CA9 2@

SMALL CA9 21

SECTORIAL 6UND 1@

BALANCE 6UND >5

BOND 6UND 2

INCOME 6UND 12

;ILT SCHEME

ELSS 2>

ET6 (;OLD) 12

ASIAN EUIT 6UND 5

TOTAL 6


64/73

T+ese #re *e s/+ees +ere $+e %,es$rs %,es$ $+e s/+ees % +%/+ re * %,es$rs %,es$ #re

#r"e /#p +ere $+e re$&r %s $ree'&s &$ r%s4 %s #s re ##/e *&' % +%/+ %,es$e$ %s 'e

% e&%$! #' 'e$ +ere r%s4 %s se+#$ ess $+e #r"e /#p #' re$&r %s #s ess $+e /es %' /#p

#' s# /#p +ere r%s4 %s $+ere &$ /# "e$ "' re$&r $+e %,es$e$ %s 'e % e&%$! %4e' s#,%"

s/+ee.

5. LIMITATION OF THE STUDY:

E,er! rese#r/+ +#s %$s %%$#$% #' prese$ rese#r/+ r4 %s ex/ep$% $ $+%s "eer# r&e $+e

%+ere$ %%$#$% * $+e s$&'! #re #s &'er

I$er,%e e$+' +%/+ #s *e' % $+e prese$ rese#r/+ r4 %s re#$%,e! re $%e /s&%".

I #''%$% $ $+%s %$ %s ,er! expes%,e e$+' espe/%#! +e spre#' "e"r#p+%/ s#pe %s $#4e.

&es$%#%re e$+' /# e &se' ! +e resp'e$s #re %$er#$e #' /-per#$%,e. S#pe s%e

#s 100 $+#$ #re $ e&"+ $ s$&'! $+e ##reess * I'epe'e$ %'%,%'s. As s#p%"

$e/+%&es %s /,e%e$ s#p%" s %$ #! res&$ % pers# %#s. E,e resp'e$ "%,e %#s #sers.

T%e %s #% /s$r#%$ * $+e rese#r/+ #s e +#,e ee "%,e pr3e/$ #s e #s s$&'! s%&$#e&s!.

@. FINDIN>S AND RECOMMENDATIONS :


65/73


66/73

;r$+ s/+ee %s $+e s$ pre*erre' *r %,es$e$

Ke'"e #&$ &$ *&'s #' $+e%r ,#r%&s s/+ees %s 'er#$e #" %,es$rs.

I$ %s e/ess#r! $ #4e M&$ 6&' re ppr % $+e e!es * %,es$rs #s e #s '%s$r%&$rs #' #s/#$er $r&s$ +%/+ +#s ee s$ '&e $ US-@.

Ms$ * $+e %,es$rs "%,e %pr$#/e $ re$&r $#x s#,%" e$/.

O3e/$%,es * $+e %,es$r #re $ "e$ se$+%" % re$&r *r $+e%r %,es$e$ #' $+e r%s4 $+e! #re $#4%".

Here $+e 3e/$%,e * $+e %,es$r e$ee $+e #"e * 20->0 %s $ e#r $+e +%"+er re$&r.

+%e $+e #"e "r&p #,e >0!e#rs //e$r#$es s#*e$! #' $#x s#,%" #' $+e! e,e $#4e /#re * $+e

%&%'%$!.

ANNE3URE


67/73

=UESTIONNAIRE

=6 2w,$+ "# 0o' $!e

,-20->0 ;

- >0-0 ;

/- 0-50 ;

0- 50-@0 ;

5- @0-#,e ;

=52 w,$+ "# 0o' &'o)e##"on

6; B&s%ess ;

5; J % pr%,#$e se/$r ;

; J % p&%/ se/$r ;

; $+ers ;

=2 Do 0o "n/e#+ "n 9+$l )n

1) es ; 5; N ;

= 2I) 0o $'e no+ "n/e#+"n! "n 9+$l )n +,en w,e'e o 0o "n/e#+ "n &'o&o'+"on;

6; Is&r#/e ;

5; E&%$! #r4e$ ;

; ;,ere$ s/+ees ;

; Re# es$#$e ;

8; C'%$%es ;

=8 2R$n@ +,e (o9&$n0 $((o'"n! +o 0o' &'e)e'en(e )'o9 +o& 6; +o .o++o9 66;

Re%#/e ;


68/73

5; B%r# ;

; T#$# ;

; L$&s ;

8; SBI ;

; HD6C ;

; ICICI ;

G; 6r#4% Tepe$ ;

; S&'#r# ;

67; UTI ;

6; Be/+#r4 ; =2 I)

0o !"/e 6#+

'$n@ +o +,e (o9&$n0 +,en w,0

=2 I) 0o $'e "n/e#+"n! "n 9+$l )n +,en 0o "n/e#+ "n

6; Ope e'e' s/+ee ;

5; Cse e'e' s/+ee ;

=G2 Do 0o +$@e $n0 'e)e'en(e w,"le "n/e#+"n! "n 9+$l )n #(,e9e# ") 0e# +,en )'o9 w,o9

SCALE E3TREMELYIMPORTANT

IMPORTANT NEUTRAL UNIMPORTANT E3TREMELY

UNIMPORTANT

62 FINANCIAL

ADVISOR

52BROKER

2RELATIVES

FRIENDS

2NEWSPAPERS

MA>AINES

82COMPANYS

WEBSITE


69/73

2AMFI WEBSITE

=2 Do 0o (o9&$'e +,e 'e+'n# o' o+,e' .ene)"+# o) MF #(,e9e# .e)o'e "n/e#+"n!

,- es ; 5; NO ;

=672 w,"(, )$(+o'# o 0o (on#"e' w,"le "n/e#+"n! "n 9+$l )n

SCALE E3TREMELYIMPORTANT

IMPORTANT NEUTRAL UNIMPORTANT E3TREMELY

UNIMPORTANT

62SAFETY

52TA3 SAVIN>

2RETURN

EARNIN>

2LI=UIDITY

=662 O.


70/73

60

SCALE MONTHLY =UARTERLY HALF YEARLY YEARLY NEVER

62 NAV

52 RISK

FACTOR

2PORTFOLIO

OF SECURITIES

2 PROFILE OF

FUND

MANA>ER

=62 A'e +,e )ollow"n! "n)o'9$+"on 'ele/$n+ +o $n$l0e +,e &e')o'9$n(e o) 0o' "n/e#+9en+.

SCALEE3TREMELY

RELEVANT

RELEVANT NEUTRAL IRRELEVANT E3TREMELY

IRRELEVANT

62MONTHLY

RESULT

52=UARTERLY

RESULT

2HALF YEARLY

2ANNUAL

RESULT

82NEWSPAPER

2AMFI WEBSITE

2WEBSITE OF

RESPECTIVE

MF

=62 Do 0o (,e(@ o+ +,e $nn$l 'e&o'+# o) 0o' #(,e9e +o e/$l$+e +,e &e')o'9$n(e o) 0o' #(,e9e

; es ;

; N ;


71/73

61

=6 2O.


72/73

62

A'e##:-

BIBLIO>RAPHY

WEBSITES

www.wikepidia.org

www.wikipedia.com

www.amfi.com

www.sbimutualfund.com

www.mutualfund.org

www.nse.com

www.bse.com
http://www.wikepidia.org/http://www.wikipedia.com/http://www.amfi.com/http://www.sbimutualfund.com/http://www.mutualfund.org/http://www.nse.com/http://www.bse.com/http://www.wikepidia.org/http://www.wikipedia.com/http://www.amfi.com/http://www.sbimutualfund.com/http://www.mutualfund.org/http://www.nse.com/http://www.bse.com/


73/73

www.moneycontrol.com

www.amfiindia.com

websites of various banks

BOOKS & REFERENCES

1.Preparatory Books For AMFI Exam ;NJ Investment India Pvt. Ltd. Edition JNE!"

#.$n%an &'akrabarti and (ars' )ungta* #!!!* +Mta! F"#s I"#stry $" I"#$a %A" $"#ept' !ook $"to

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