Chapter - 4: Data Analysis & Interpretation
Chapter - 4: Data Analysis & Interpretation
Chapter - 4: Data Analysis & Interpretation
Chapter 4
Data Analysis & Interpretation
Table No.4.1- TABLE REPRESENTING NUMBER OF RESPONDENTS ON THE BASIS OF GENDER Gender Male Female Total Number of Respondents 59 41 100 Percentage (%) 59 41 100
INTERPRETATION
The table shows that 59% of the respondents are male and 41% of the respondents
male , 41 female, 59
17
Table No.4.2- TABLE REPRESENTING NUMBER OF RESPONDENTS ON THE BASIS OF AGE GROUP
INTERPRETATION The table indicates that 35% of the respondents belong to the age group 31-45 and 5% of the respondents belong to the age group of above 66.
Figure No.4.2 CHART SHOWING NUMBER OF RESPONDENTS ON THE BASIS OF AGE GROUP
Above 66
46-65
32
31-45
35
18-30 0 5 10 15 20 25
28 30 35 40
18
Table No.4.3- TABLE REPRESENTING NUMBER OF RESPONDENTS ON THE BASIS OF MARITAL STATUS Marital Status Married Unmarried Total Number of Respondents 59 36 100 Percentage (%) 64 36 100
INTERPRETATION The above table shows that 64% of the respondents are married and 36% of the respondents are unmarried.
Figure No.4.3 CHART SHOWING NUMBER OF RESPONDENTS ON THE BASIS OF MARITAL STATUS
19
Table No.4.4- TABLE REPRESENTING NUMBER OF RESPONDENTS ON THE BASIS OF NUMBER OF DEPENDENTS No. of Dependents 0-3 3-5 Above 5 Total Number of Respondents 61 32 7 100 Percentage (%) 61 32 7 100
INTERPRETATION The above table shows that 61% of the respondents have 0-3 no. of dependents in their family and 7% of the respondents have above 5 no. of dependents.
above 5 7%
3 to 5 32% 0 to 3 61%
20
Table No.4.5- TABLE REPRESENTING NUMBER OF RESPONDENTS ON THE BASIS OF OCCUPATION
INTERPRETATION The table shows that 54% of the respondents are salaried and 46% of the respondents are non salaried. Figure No.4.5 CHART SHOWING NUMBER OF RESPONDENTS ON THE
BASIS OF OCCUPATION
21
Table No.4.6 - TABLE REPRESENTING NUMBER OF RESPONDENTS ON THE BASIS OF INCOME LEVEL Income Level Below 3 Lacs 3 Lacs 5 Lacs Above 5 lacs Total Number of Respondents 33 52 15 100 Percentage (%) 33 52 15 100
INTERPRETATION The table shows that 52% of the respondents belong to the income level of 3 lacs 5 lacs and 15% of the respondents belong to the income level of above 5 lacs.
Figure No.4.6 CHART SHOWING NUMBER OF RESPONDENTS ON THE BASIS OF INCOME LEVEL
22
Table 4.7 TABLE REPRESENTING SAVINGS BY GENDER WISE
Savings Yes
No of respondents 57 39 96 2 2 4 59 41 100
No
Total
INTERPRETATION The above table interpret that 57 of the Male respondents and 39 of the respondents female do savings
23
Table 4.8 TABLE REPRESENTING MODE OF SAVINGS BY GENDER WISE
No of respondents 24 13 37 20 16 36 15 12 27 59 41 100
Investment
Others
Total
INTERPRETATION
The above table shows that 24 of Male the respondents mode of savings is Fixed Deposits and 16 of the Female respondents mode of savings is investment.
24 Table 4.9 TABLE REPRESENTING CURRENT VALUE OF INVESTMENT BY INCOME LEVEL WISE
Income level per annum Below 300000 300000-500000 Above 500000 Total
No of respondents 20 20 4 44 6 23 5 34 7 9 6 22
30000-50000
Above 50000
Total
33 52 15 100
INTERPRETATION The above table shows that the income level of below 300000 (20) respondents current investment is 10000-30000, the income level of 300000-500000 respondents (23) current investment is 30000+50000 and the income level of above 500000 respondents(6) current investment is above 50000.
No of respondents 17 10 27 7 3 10 18 7 25 5 10
Equity trading
Investment (UL/IP)
Male Female
Total Post office savings Male Female Total Total Male Female Total
15 12 11 23 59 41 100
INTERPRETATION The above table shows that current investment portfolio of Male respondents (18) and female respondents (11) is Fixed Deposits and Post office Savings respectively.
No of respondents 5 4 9 10 7 17 13 7 20 13
Male
12 25 18 11 29 59 41 100
Total
INTERPRETATION The above table shows that investment of Male respondents (18) is all of the above and Female respondents (12) investment objective is to provide financial security to family.
27 Table No 4.12 TABLE REPRESENTING NUMBER OF RESPONDENTS ON THE BASIS OF TERM OF INVESTMENT Term of Investment Under 2 yrs 2-5 yrs 6-10 yrs 11-15 yrs total Number of respondents 24 37 21 18 100 Percentage (%) 24 37 21 18 100
INTERPRETATION The table shows that 37% of the respondents wants to invest 2-5 yrs and 18% of the respondents term of investment is 11-15 yrs.
Figure 4.12 CHART SHOWING NUMNBER OF REPRESENTING ON THE BASIS OF TERM OF INVESTMENT
100
Under 2 yrs
28 Table No 4.13 TABLE REPRESENITNG NUMBER OF RESPONDENTS ON THE BASIS OF IMPORTANT FACTOR CONSIDER BEFORE CHOOSING AN INVEATMENT Important factor Quickly increase wealth Steady growth Monthly income Safety of investment principal total Number of respondents 16 32 21 31 100 Percentage (%) 16 32 21 31 100
INTERPRETATION The table shows that 32% of the respondents consider steady growth an important factor and 16 % of the respondents consider increasing wealth quickly as important before choosing as investment.
Figure 4.13 CHART SHOWING NUMBER OF RESPONDENTS ON THE BASIS OF IMPORTANT FACTOR CONSIDER BEFORE CHOOSING AN INVEATMENT
Quickly increase wealth, 16
29 Table 4.14 TABLE REPRESENTING FORM OF INVESTMENT BY AGE WISE FORM OF INVESTMENT UL/IP
Mean 1.60 1.50 1.75 1.60 1.30 1.15 1.09 1.00 1.17 2.00 1.50
N 5 6 4 15 10 13 11 2 36 2 2
Std. Deviation .548 .548 .500 .507 .483 .376 .302 .000 .378 .000 .707
MUTUAL FUND
EQUITY TRADING
18-30 31-45
46-65 Total FIXED DEPOSITS 18-30 31-45 46-65 ABOVE 66 Total BANK SAVINGS 18-30 31-45 46-65 Total Total 18-30 31-45 46-65 ABOVE 66 Total
1.33 1.50 1.50 1.43 1.00 2.00 1.43 1.80 1.57 1.67 1.67 1.54 1.37 1.31 1.60 1.41 30
6 10 6 7 5 3 21 5 7 6 18 28 35 32 5 100
.516 .527 .548 .535 .000 .000 .507 .447 .535 .516 .485 .508 .490 .471 .548 .494
INTERPRETATION The above table shows that age group of 18-30 (10), age group of 31-45 (13) and age group of 46-65 (11) respondents preferred Mutual Fund for investment and age group of above 66 (3) respondents Fixed Deposits as most preferred form of investment.
31 Table no 4.15 TABLE REPRESENTING REASON FOR MOST PREFERRED FORM OF INVESTMENT Reasons Tax Savings To create wealth Other future emergencies total Number of respondents 36 33 31 100 Percentage (%) 36 33 31 100
INTERPRETATION The table shows that 36% of the respondents preferred investment to save tax and 31% of the respondents preferred investment for other future emergencies.
Figure no 4.15 CHART SHOWING REASON FOR MOST PREFFERD FORM OF INVESTMENT
31
To create wealth
33
Tax Savings
36
28
29
30
31
32
33
34
35
36
37
32 Table No 4.16 TABLE REPRESENTING AWARE OF TYPE OF MUTUTAL FUND BY AGE GROUP WISE
Number of respondents 6 9 8 23 10 11 8 2 31
Money Market
Equity Fund
11 13 10 1 35 1 2 6 2 11 28 35 32 5 100
Other
Total
33 INTERPRETATION The above shows that age group of 18-30 (11) respondents, age group of 31-45 (13) respondents and age group of 46-65 (10) are aware of Growth Fund type of Mutual fund and age group of above 66 (2) respondents aware of other type of Mutual fund.
34 Table No 4.18 TABLE REPRESENTING NUMBER OF RESPONDENTS AWARE OF VARIOUS SCHEMES OFFERED BY THE AMC
Number of respondents 6 9 9 2 26 14 15 7
Some
Above 66 Total Few 18-30 31-45 46-65 Above 66 Total Total 18-30 31-45 46-65 Above 66 Total
2 38 8 11 16 1 36 28 35 32 5 100
INTERPRETATION The above table shows that age group of 46-65 (16) respondents aware of few schemes offered by AMC, age group of 18-30 respondents (14), age group of 31-45 respondents (15) and age group of above 66 (2) respondents aware of some schemes offered by AMC and age group of above 66 (2) respondents aware of most of the schemes offered by AMC. 35 Table No 4.19 TABLE REPRESENITNG KNOWN ABOUT MUTUAL FUND Way of know Advertisement friends Brokers Other Total INTERPRETATION The table shows that 40% of the respondents know about Mutual Fund through advertisement and 14% of the respondents came to know about Mutual Fund through brokers. Figure No 4.19 CHART SHOWING NUMBER OF RESPONDENTS KNOW ABOUT Number of respondents 40 30 14 16 100 Percentage (%) 40 30 14 16 100
MUTUAL FUND
100% 90% 80% 70% 60% 50% 40% 30% 20% 10% 0% Advertisement friends Brokers Other 40 30 14 16
Number of respondents
Number of respondents 31 20 51 19 16 35 9 5 14
Close Ended
Interval
Total
59 41 100
INTERPRETATION The table shows that 31 male respondents and 20 of the female respondents prefer to invest in open ended schemes.
37 Table No 4.21 TABLE REPRESENTING NUMBER OF RESPONDENTS PRIMARY INVESTMENT FOCUS. Investment focus Retirement Wealth generation Capital preservation Income generation Total Number of respondents 19 33 14 34 100 Percentage (%) 19 33 14 34 100
INTERPRETATION
The table shows that 34% of the respondents primary investment focus is to generate income and 14% of the respondents primary investment focus is to preserve capital Figure No 4.21 FIGURE SHOWING NUMBER OF RESPONDENTS PRIMARY INVESTMENT FOCUS.
38 Table No 4.22 TABLE REPRESENTING NUMBER OF RESPONDENTS ON THE BASIS OF CONSULT WHLE MAKING AN INVESTMENT CHOICE. Choice Every time Often Sometimes Never Total Number of respondents 34 35 24 7 100 Percentage (%) 34 35 24 7 100
INTERPRETATION The table shows that 35% of the respondents consult every time while making an investment choice and 7% of the respondents never consult while making an investment choice.
Figure No 4.22 FIGURE SHOWING NUMBER OF RESPONDENTS ON THE BASIS OF CONSULT WHLE MAKING AN INVESTMENT CHOICE
Never
Sometimes
24
Often
35
Every time
34
39 Table no 4.23 TABLE REPRESENTING NUMBER OF RESPONDENTS ON THE BASIS OF MAKING INVESTMENT DECISION AND EXECUTE THEM.
Period Once a month Once in 3 month Once in 6 month Once a year Total
INTERPRETATION The table shows that the 32% of the respondents once in 3 months making investment decision and execute them and 18% of the respondents making investment decision and execute them in once in a 6 months.
Figure No 4.23 FIGURE SHOWING NUMBER OF RESPONDENTS ON THE BASIS OF MAKING INVESTMENT DECISION AND EXECUTE THEM.
40 Table no 4.24 YABLE SHOWING NUMBER OF RESPONDENTS ON THE BASIS OF INVEST MORE IN FUTURE Option Yes No Total Number of respondents 73 27 100 Percentage (%) 73 27 100
INTERPRETATION The table shows that the 73% of the respondents want s to invest in future and 27% of the respondents dont want to invest in future.
Figure No. 4.FIGURE SHOWING NUMBER OF RESPONDENTS ON THE BASIS OF INVEST MORE IN FUTURE.
No , 27
Yes , 73
Percentage
return
percentage
When asked that what factor affect most while investing in Mutual Funds, most of respondents chose liquidity as the most important factor, 34% of the investors preferred liquidity as the most important thing, 24% investors choose safety, 16% of the investors think that tax benefit is the most important factor, 14 % of the investors choose high returns as the important factor and 12% of investor choose because of less risk. Above all one thing is there that all the above factors are very important. An investor keeps in mind all the factors while investing
Time-Horizon 6 month 1year 1 year 3 year 3 year 5 year More than 5 year 26% 40% 10% 4%
Percentage
40% 35% 30% 25% 20% 15% 10% 5% 0% 6 month1year 1-3 year 3-5year more tha 5 year
East
INTERPRETATION
Of the total respondents considered for the survey, 26% invest for a time period of 6 month to 1 year. Most of the investors prefer to invest for 1 to 5 years. Very few invest for more then 5 years. About 40% invest for 1 to 3 years and about 10% invest for 3 to 5 years. Only 4% invest for more then 5 years.
VI. Which scheme would you prefer while investing in mutual funds?
Percentage
percentage
INTERPRETATION
As the market conditions have changed, investors are taking risk, 56% of the investors invest in pure equity funds, 30% prefer investing in balanced funds and only 14% of the investors invest in debt funds.
Open ended
74%
Close ended
26%
20%
10% 0% close ended open ended
INTERPRETATION As per data collected from various respondents we came to know that 74% Investors opted open ended because this option will increase the level of liquidity and 26% investor opted close ended option.
FACTOR SIP Lump sum Depends upon financial conditions 48% 36% 16%
PERCENTAGE
60% 50% 40% 30% 20% 10% 0% SIP lumpsum depends upon financial conditions
percentage
INTERPRETATION
It depends upon the availability of funds that whether an investor should opt for SIP or lump sum. Around of the investors prefer SIP at this stage of market. 36% the investors prefer investing lump sum. 16% of the investors said it depends upon the availability of funds.
IX. Which factor influence you most to invest through India Infoline Ltd?
PERCENTAGE
14% 6% 18%
45% 40% 35% 30% 25% Percentage safety 20% 15% bank 10% past exp word of services 5% mouth adtv 0%
INTERPRETATION
When asked that what factor affect most while investing in Mutual Funds through India Infoline Ltd than wide preference is given to safety. 42% investors choose safety.20% bank services, 18% past experience, 14% word of mouth and 6% advertisement.
X. To how much extent are you satisfied with the services offered by India Infoline Ltd?
Extremely Satisfied Satisfied To Lesser Extent Dissatisfied To Lesser Extent Extremely Dissatisfied
80% 10% 5% 5%
40%
30% 20% 10% 0% A B C D
PERCENTAGE
INTERPRETATION
Out of the respondents 80% are extremely satisfied with the services offered by India Infoline Ltd 10% are satisfied to lesser extent, 5%are extremely dissatisfied.
XI. As equity market is growing what according to you is the future of mutual funds?
DEGREE
PERCENTAGE
INTERPRETATION
As Indian equity market is growing the future of mutual funds is very bright. 35% of the investors say that future is very strong, 50% of the investors say that future is strong and only 15% said that future is moderate.