Data Analysis & its Interpretation

ANALYSIS OF THE DATA GIVEN 1. (a) Age distribution

Age Group51

No. of Investors131733252216

Interpretation: 26% most of investors are in the age group of 37-41 i.e. 20% and the least investors fall in the age group of or below 31 yrs.

(b). Academics Qualification

Academics Qualification No. of Investors

Graduate/ Post Graduate82

Under Graduate27

Others9

Total120

Interpretation:71% of the investors in Uttarakhand are Graduate/Post Graduate, 23% of them are Under Graduates and the rest and on a lower number 6% are others (under HSC).c). Service Service No. of Investors

Govt. Service28

Pvt. Service43

Business32

Agriculture3

Others5

.

Interpretation:39% are Pvt. Employees, 26% are Business people, 29% are Govt. Employees, 3% are in Agriculture and the rest 5% are in others. (d). Family Income per MonthIncome GroupNo. of Investors

30,00031

Interpretation:36% of the investors i.e. most of the investors are in the income per month group which is Rs. 30,000 to Rs. 40,000, Second that is 27% investors are in the monthly income group of more than Rs. 40,000 and the minimum investors that is 4% are in the monthly income group of below Rs. 10,000 (2)People investing in various kind of investments.Kind of InvestmentsNo. of Respondents

Saving A/C197

Fixed deposits144

Insurance150

Mutual Fund117

Post office (NSC)72

Shares/Debentures48

Gold/Silver32

Real Estate 66

Interpretation: 97.5% people have invested in the Saving A/c, 76% in the Insurance, 74% in the Fixed Deposits, 60% in the Mutual Fund, 37.5% in the Post Office, 25% in the Shares or Debentures, 15% in the Gold/Silver and 32.5% in the Real Estate.

4. Awareness about these Mutual Funds and some of its OperationsResponseAcceptanceRejection

Respondents13565

Interpretation:67% of the People are aware of this and its operations while the rest 33% of them are not aware..

5. Information for customers on Mutual Funds InformationRespondents

Advertisement19

Peer Group25

Bank32

Financial Advisors60

Interpretation:46% of the people know about Mutual fund through the help of Financial Advisor, 21% through Bank, 18% through Groups and 13% of these people through Advertisement.

6. People investing in Mutual FundResponses Respondents

YES120

NO80

Total250

Interpretation:60% of people have invested there money in thses Funds while the other 40% do not have an idea of investing in Mutual Fund.

7. Why people have not invested in Mutual FundsReason Respondents

Not Aware67

Higher Risk9

Not any Specific Reason13

Interpretation:81% of the people are not aware of investing into these Funds, 13% have said there is likely to be a higher risk in it and the rest 6% of them have a vague reply.

8. People investing in different Assets Management Co. also known as AMC.Title of AMCInvestors

SBIMF50

UTI74

HDFC38

Reliance74

ICICI Prudential55

Kotak40

Others78

Interpretation:63.6% of the total people have invested in each of these secotrs, only 49% of then have invested in SBIMF, 42% in ICICI Prudential, 38.5% in Kotak and 35% in HDFC.

9. Why people want to invest in SBIMFReasons Respondents

Associated with SBI36

Better Return4

Agents Advice13

Interpretation:64% of people have invested in this because of its is associated with SBI, 27% have invested because of Agents Advice, 9% invest just for a better return.

10. Reason for not investing in the SBIMFReasonRespondents

Not Aware 26

Less Return15

Agents Advice20

Interpretation:, 38% people were not aware with SBIMF, 28% have not invested as they were facing less return and 34% of them rely on the Agents Advice.11. Priority of Investors for future investment in Mutual Fund Title of AMCInvestors

SBIMF77

UTI40

HDFC34

Reliance85

ICICI Prudential81

Kotak62

Others77

Interpretation: 69% of the people prefer to invest in Reliance, 69% prefer ICICI Prudential, 61% in SBIMF, 63.5% in Others, 56% in Kotak, 39.5% in UTI and 49% in HDFC Mutual Fund. 12. Modes Preferred by the Investors for Mutual Fund InvestmentChannelFinancial AdvisorBankAMC

No. of Respondents731532

Interpretation:60% preferred to invest through Financial Advisors whereas 25% through AMC and the rest 15% through Bank.

13. Different type of Investment Preferred by the InvestorsMode of InvestmentOne time InvestmentSystematic Investment Plan (SIP)

No. of Respondents7740

Interpretation:65% of the population chose One time Investment and 35 % Preferred the method of SIP.

14. Preference of the Portfolios by the InvestorsPortfolioInvestors

Equity54

Debt29

Balanced42

Interpretation:46% of the total people prefer Equity Portfolio, 36% prefer Balance and 16% prefer Debt portfolio.

15. Different ways for getting Return Preferred by the InvestorsOptionDividend PayoutDividend ReinvestmentGrowth

Respondents291781

Interpretation:71% of these prefer Growth Option, 21% of them preferred Dividend Payout and the rest 8% preferred Dividend Reinvestment Option.

16. Preference of Investors skeptic about where to invest in Sectoral FundsResponseNo. of Respondents

Yes25

No95