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Summer Internship Project Presentation OnA Study On SBI Mutual FundPresented By:

Rajat KoulRoll No 49


With 28 years of rich experience in fund management, SBI Funds Management Pvt. Ltd. bring forward expertise by consistently delivering value to our investors. It has a strong and proud lineage that traces back to the State Bank of India (SBI) - India's largest bank. It is a Joint Venture between SBI and AMUNDI (France), one of the world's leading fund management companies.The mission has been to establish Mutual Funds as a viable investment option to the masses in the country.

SBI Funds Management has emerged as one of the largest player in India advising various financial institutions, pension funds, and local and international asset management companies.SBI Funds Management was the 1st bank sponsored asset management company fund to launch an offshore fund called 'SBI Resurgent India Opportunities Fund' with an objective to provide our investors with opportunities for long-term growth in capital, through well-researched investments in a diversified basket of stocks of Indian Companies.


Systematic Investment Plan: under this a fixed sum is invested each month on a fixed date of a month. Payment is made through post dated cheques or direct debit facilities. The investor gets fewer units when the NAV is high and more units when the NAV is low.

2. Systematic Transfer Plan: under this an investor invest in debt oriented fund and give instructions to transfer a fixed sum, at a fixed interval, to an equity scheme of the same mutual fund.

3. Systematic Withdrawal Plan: if someone wishes to withdraw from a mutual fund then he can withdraw a fixed amount each month.Schemes Of SBI Mutual FundA. Equity Schemes :

SBI Blue-chip FundSBI Magnum Balanced FundSBI Magnum Global FundSBI Magnum Midcap FundSBI Magnum Tax Gain SchemeSBI Contra FundSBI Magnum MultiCap FundSBI Magnum Comma FundSBI Emerging Businesses FundSBI FMCG FundSBI I.T FundSBI Small and Midcap Fund

B. Debt & Liquid Schemes:

SBI Magnum Monthly Income PlanSBI Magnum Income FundSBI Magnum Children Benefit PlanSBI Ultra Short term Debt FundSBI Short term Debt FundSBI Savings FundSBI Dynamic Bond Fund SBI Regular Savings FundSBI Corporate Bond Fund


To analyze the awareness level of investors of mutual funds.An attempt has been made to measure various variables playing in the minds of investors in terms of safety, liquidity, service, returns, and tax saving.To get insight knowledge about mutual fundsTo know the awareness of mutual funds among different groups of investors. To find out the Preference of the investors for Asset Management Company.To know why one has invested in SBI Mutual Funds.To study the general criteria for investing and applying in Mutual Funds.To find out the most preference channel

RESEARCH METHODOLOGY: PROBLEM: The problem at hand was to study and measure the awareness level of people regarding mutual funds in the city.Research Design : DescriptiveData Sources: Mainly Primary Data in the form of survey but some fact sheets of mutual funds (SBI) were referred for secondary dataResearch Instrument : QuestionnaireSampling Unit: I have completed my survey in Jammu City, J&KSample Size: The sample consisted of 50 respondents. The sample was drawn from walk in customers of SBI MUTUAL FUND. The selection of the respondents was done on the basis of simple random sampling.DATA ANALYSIS & INTERPRETATION:

1) Do you invest your saving in mutual fund? (Investment Willingness)

InvestmentNumber Of RespondentsYes34No16Total5068% of all the respondents invest in mutual fund. 32% of our total respondents who do not invest in any mutual fund at all.

2) Do you have complete information about mutual fund? (Awareness Level)InformationNumber Of RespondentsYes28No12Not Much10Total5056% of all the respondents have complete information of mutual funds. We have got 24% of our total respondents who do not have complete information of mutual fund at all and 20% of our total respondents have some information of mutual fund.3) Are you an investor, who is interested in getting good deduction from tax? (Interested in Tax Deduction)

InformationNumber Of RespondentsYes45No5Total5090% of all the respondents are interested in getting good deduction from tax. We have got 10% of our total respondents who are not interested in getting good deduction from tax at all.4) Do you know mutual fund is a good instrument of tax saving? (Awareness for Tax saving)InvestmentNumber Of RespondentsYes 38No12Total5076% of all the respondents knows mutual fund is a good instrument of tax saving. We have got 24% of our total respondents who are mutual fund is a good instrument of tax saving.5) Among which of the following income group you fall? (Income Group)Income groupNumber Of RespondentsUpto 1,00,000121,00,001-2,00,000302,00,001-3,00,00053,00,001 & more3TOTAL5024% of all the respondents fall under income group of less than 1,00,000. We have got 60% of our total respondents fall under income group of 1,00,001-2,00,000 and 10% of our respondents fall under income group of 2,00,001-3,00,000 while 6% of our respondents fall under income group of 3,00,000 & more.6) Which are the investments you hold at present? (Investment Holding)InvestmentNumber Of RespondentsEquity market10Mutual fund27Govt. bond0Real estate4Bank FD24Post office13Insurance22We observed that many respondents invest in more than one instrument of saving. The people are not channelizing all of their savings in just one Investment Avenue.7) What is the Basic purpose of your investments? (Purpose for Investment)Investment purposeNumber Of RespondentsHigh return10Tax benefit9Saving22Wealth creation5Risk diversification4Total5020% of all the respondents Invest for the purpose of high return, 18% Invest for the purpose of tax benefit, 44% Invest for the purpose of saving, 10% Invest for the purpose of wealth creation , 8% Invest for the purpose of risk diversification.8) What returns do you receive at present from all your investments? (Returns from Investment)Investment ReturnsNumber Of RespondentsLess than 5%25%-10%3210-15%1015%-20%3Greater than 20%3Total504% of all the respondents get less than 5%, 64% of all the respondents get between 5%-10%, 20% of all the respondents get between 10%-15%, 6% of all the respondents get between 15%-20% and 6% of all the respondents get more than 20%.9) Which types of funds would you like to prefer for your investment in mutual fund? (Fund Preference)Investment preferenceNumber Of RespondentsEquity fund32Debt fund6Balanced fund12Total5064% of all the respondents prefer investment in equity fund, 12% of all the respondents prefer investment in Debt fund, and remaining 24% of all the respondents prefer investment in balanced fund.10) Give your preference for tax saving plan of SBI Mutual Funds ? (SBI Tax saving Plan)Investment Preference for SBINumber Of RespondentsMost preferred6Favorably preferred8Preferred22Least preferred6Not preferred8Total50A large number of investors prefer SBI tax plan.RECOMMENDATIONS AND SUGGESTIONS

Customer education of the salaried class individuals is far below standard. Thus Asset Management Companys need to create awareness so that the salaried class people become the prospective customer of the future.

Schemes with high equity level need to be targeted towards self employed and professionals as they require high returns and are ready to bear risk.

Salary class individuals are risk averse and thus they must be assured of the advantage of risk diversification in Mutual Funds.

Time to time presentation/training classes about the products should be there.

There should be more number of Relationship Managers in different Regions because one RM can handle a maximum of 125 distributors efficiently and also to cover untapped market.

Regular session should be organized on the handling of the India infoline software so as to resolve the account statement problem.Findings:

The age group of 31-44 years were more in numbers.The second most investors were above 45 years and the least were in the age group 21-30 yrs.

Most of the investors are graduate or post graduate and people below HSC are very few in numbers.

Most of the investors preferred SIP mode of investment than one time investment.

Most of the investors invested in the SBI MF just because of the goodwill of SBI.

Most preferred portfolio was equity and the second most being balanced.

From the company data and interaction with customers,it was revealed that UTI is the main competitor for SBI MF.

Conclusion :

During my 2 months tenure at SBI MF, I came across many people who believed investing in mutual fund markets is risky but they are still investing for high returns.

People invest in those companies where they have faith or they are well known with them.

Financial advisors and brokers are the main preferred channels of distribution for the customer

There are many AMCs in Jammu but only some are performing well due to brand awareness.

Only those people invest directly who know well about mutual funds and its operations.Bibliography & Webliography:


Handbook of SBI Mutual Funds



Journal of Business Management, Commerce & Research Comparative study of SBI Mutual Funds & Unit Trust of India(http://www.jbmcr.org/pdf/JBMCR-DEC-13-04.pdf)

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