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EXECUTIVE SUMMERY
A mutual fund is a scheme in which several people invest their money for a common financial
cause. The collected money invests in the capital market and the money, which they earned, is
divided based on the number of units, which they hold.
The mutual fund industry started in India in a small way with the UTI Act creating what was
effectively a small savings division within the RBI. Over a period of 25 years this grew fairly
successfully and gave investors a good return, and therefore in 1989, as the next logical step,
public sector banks and financial institutions were allowed to float mutual funds and theirsuccess emboldened the government to allow the private sector to foray into this area.
The advantages of mutual fund are professional management, diversification and economies of
scale, simplicity, and liquidity. The disadvantages of mutual fund are high costs, over-
diversification, possible tax consequences, and the inability of management to guarantee a
superior return.
The biggest problems with mutual funds are their costs and fees it include Purchase fee,
Redemption fee, Exchange fee, Management fee, Account fee & Transaction Costs. There are
some loads which add to the cost of mutual fund. Load is a type of commission depending on the
type of funds.
Mutual funds are easy to buy and sell. You can either buy them directly from the fund company
or through a third party. Before investing in any funds one should consider some factor like
objective, risk, Fund Managers and scheme track record, Cost factor etc. There are many, manytypes of mutual funds. You can classify funds based Structure (open-ended & close-ended),
Nature (equity, debt, balanced), Investment objective (growth, income, money market) etc.
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A code of conduct and registration structure for mutual fund intermediaries, which were
subsequently mandated by SEBI. In addition, this year AMFI was involved in a number of
developments and enhancements to the regulatory framework.
The most important trend in the mutual fund industry is the aggressive expansion of the foreign
owned mutual fund companies and the decline of the companies floated by nationalized banks
and smaller private sector players.
Reliance Mutual Fund, UTI Mutual Fund, ICICI Prudential Mutual Fund, HDFC Mutual Fund
and Birla Sun Life Mutual Fund are the top five mutual fund company in India. Reliance mutual
funding is considered to be most reliable mutual funds in India. People want to invest in this
institution because they know that this institution will never dissatisfy them at any cost. You
should always keep this into your mind that if particular mutual funding scheme is on larger
scale then next time, you might not get the same results so being a careful investor you should
take your major step diligently otherwise you will be unable to obtain the high returns.
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INTRODUCTION
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INTRODUCTION OF MUTUL FUND
There are a lot of investment avenues available today in the financial market for an investor with
an investable surplus. He can invest in Bank Deposits, Corporate Debentures, and Bonds where
there is low risk but low return. He may invest in Stock of companies where the risk is high and
the returns are also proportionately high. The recent trends in the Stock Market have shown that
an average retail investor always lost with periodic bearish tends. People began opting for
portfolio managers with expertise in stock markets who would invest on their behalf. Thus we
had wealth management services provided by many institutions. However they proved too costly
for a small investor. These investors have found a good shelter with the mutual funds.
Mutual fund industry has seen a lot of changes in past few years with multinational companies
coming into the country, bringing in their professional expertise in managing funds worldwide.
In the past few months there has been a consolidation phase going on in the mutual fund industry
in India. Now investors have a wide range of Schemes to choose from depending on their
individual profiles.My study gives an overview of mutual funds definition, types, benefits,
risks, limitations, history of mutual funds in India, latest trends, global scenarios. I have analyzed
a few prominent mutual funds schemes and have given my findings.
A Mutual Fund is a trust that pools the savings of a number of investors who share a common
financial goal. The money thus collected is then invested in capital market instruments such as
shares, debentures and other securities. The income earned through these investments and the
capital appreciations realized are shared by its unit holders in proportion to the number of units
owned by them. Thus a Mutual Fund is the most suitable investment for the common man as it
offers an opportunity to invest in a diversified, professionally managed basket of securities at a
relatively low cost.
At the beginning of this millennium, mutual funds out numbered all the listed securities in New
York Stock Exchange.The popularity of mutual funds may be relatively new but not their origin
which dates back to 18th century. Holland saw the origination of mutual funds in 1774 as
investment trusts before spreading to Anglo-Saxon countries in its current form by 1868.
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DEFINITION
Mutual funds are collective savings and investment vehicles where savings of small (or
sometimes big) investors are pooled together to invest for their mutual benefit and returns
distributed proportionately.
A mutual fund is an investment that pools your money with the money of an unlimited number
of other investors. In return, you and the other investors each own shares of the fund. The fund's
assets are invested according to an investment objective into the fund's portfolio of investments.
Aggressive growth funds seek long-term capital growth by investing primarily in stocks of fast-
growing smaller companies or market segments. Aggressive growth funds are also called capital
appreciation funds.
CONCEPT OF MUTUAL FUND
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When an investor subscribes for the units of a mutual fund, he becomes part owner of the assets
of the fund in the same proportion as his contribution amount put up with the corpus (the total
amount of the fund). Mutual Fund investor is also known as a mutual fund shareholder or a unit
holder.
Any change in the value of the investments made into capital market instruments (such as shares,
debentures etc) is reflected in the Net Asset Value (NAV) of the scheme. NAV is defined as the
market value of the Mutual Fund scheme's assets net of its liabilities. NAV of a scheme is
calculated by dividing the market value of scheme's assets by the total number of units issued to
the investors.
For example
A. If the market value of the assets of a fund is Rs. 100,000B. The total number of units issued to the investors is equal to 10,000.C. Then the NAV of this scheme = (A)/(B), i.e. 100,000/10,000 or 10.00D.Now if an investor 'X' owns 5 units of this scheme
WORKING OF MUTUL FUND
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Mutual funds can be either or both of open ended and closed ended investment companies
depending on their fund management pattern. An open-end fund offers to sell its shares (units)
continuously to investors either in retail or in bulk without a limit on the number as opposed toa
closed-end fund. Closed end funds have limited number of shares.
Mutual funds have diversified investments spread in calculated proportions amongst securities of
various economic sectors. Mutual funds get their earnings in two ways. First is the most organic
way, which is the dividend they get on the securities they hold. Second is by the redemption of
their shares by investors will be at a discount to the current NAVs (net asset values).
Why Select Mutual Fund?
The risk return trade-off indicates that if investor is willing to take higher risk then
correspondingly he can expect higher returns and vice versa if he pertains to lower risk
instruments, which would be satisfied by lower returns. For example, if an investors opt for
bank FD, which provide moderate return with minimal risk. But as he moves ahead to invest in
capital protected funds and the profit-bonds that give out more return which is slightly higher as
compared to the bank deposits but the risk involved also increases in the same proportion. Thus
investors choose mutual funds as their primary means of investing, as Mutual funds provide
professional management, diversification, convenience and liquidity. That doesnt mean mutual
fund investments risk free. This is because the money that is pooled in are not invested only in
debts funds which are less riskier but are also invested in the stock markets which involves a
higher risk but can expect higher returns. Hedge fund involves a very high risk since it is mostly
traded in the derivatives market which is considered very volatile.
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RETURN RISK MATRIX
TYPES OF MUTUAL FUNDS SCHEMES IN INDIA
Wide variety of Mutual Fund Schemes exists to cater to the needs such as financial
position, risk tolerance and return expectations etc. thus mutual funds has Variety of flavors,
Being a collection of many stocks, an investors can go for picking a mutual fund might be easy.
There are over hundreds of mutual funds scheme to choose from.
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GROWTH IN ASSETS UNDER MANAGEMENT
STRUCTURE OF A MUTUAL FUND
India has a legal framework within which Mutual Fund have to be constituted. In India open andclose-end funds operate under the same regulatory structure i.e. as unit Trusts. AMutual Fund in
India is allowed to issue open-end and close-end schemes under a common legal structure. The
structure that is required to be followed by any Mutual Fund in India is laid down under SEBI
(Mutual Fund) Regulations, 1996.
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ASSOCIATION OF MUTUAL FUNDS IN INDIA (AMFI)
With the increase in mutual fund players in India, a need for mutual fund association in Indiawas
generated to function as a non-profit organization. Association of Mutual Funds in India(AMFI)
was incorporated on 22nd August, 1995.AMFI is an apex body of all Asset Management
Companies (AMC) which has been registered with SEBI. Till date all the AMCs are that have
launched mutual fund schemes are its members. It functions under the supervision and guidelines
of its Board of Directors. Association of Mutual Funds India has brought down the Indian
Mutual Fund Industry to a professional and healthy market with ethical lines enhancing and
maintaining standards. It follows the principle of both protecting and promoting the interests ofmutual funds as well as their unit holders.
NEED FOR THE STUDY
The main purpose of doing this project was to know about mutual fund and its functioning. This
helps to know in details about mutual fund industry right from its inception stage, growth and
future prospects.It also helps in understanding different schemes of mutual funds. Because my
study depends upon prominent funds in India and their schemes like equity, income, balance as
well as the returns associated with those schemes.The project study was done to ascertain the
asset allocation, entry load, exit load, associated with the mutual funds. Ultimately this would
help in understanding the benefits of mutual funds to investors.
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RULES OF S.E.B.I.FOR MUTUAL FUND
PRELIMINARY RULE:-
1. Short title, Application and Commencement
a. These regulations may be called the Securities and Exchange Board of India(Mutual Funds) Regulations, 1996.
b. They shall come into force on the date of their publication in the Official Gazette.2. Definitions
In these regulations, unless the context otherwise requires :-
a. "Act" means the Securities and Exchange Board of India Act 1992, (15 of 1992);b. "Advertisement" includes every form of advertising, whether in a publication, by
display of notices, signs, labels or by means of circulars, catalogues or other
documents, by an exhibition of.
c. pictures or photographic films, by way of sound broadcasting or television, or inany other manner;
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Company Profile
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COMPANY PROFILE
Reliance Capital Asset Management Ltd is a part of the Reliance - Anil Dhirubhai Ambani
Group, and is ranked among the 25 most valuable private companies in India.
Reliance Capital is one of India's leading and fastest growing private sector financial services
companies, and ranks among the top 3 private sector financial services and banking groups, in
terms of net worth.
RCL was accredited a Category 1 Merchant banker by the Securities Exchange Board of India
(SEBI). It had lead managed/co-managed 15 issues of an aggregate value of Rs. 400 crore andhad underwritten 33 issues for an aggregate value of Rs. 550 crore. All these companies were
listed on various exchanges.
RCL obtained its registration as a Non-banking Finance Company (NBFC) in December 1998. In
view of the regulatory requirements RCL surrendered its Merchant Banking License.
RCL has since diversified its activities in the areas of asset management and mutual fund; life
and general insurance; consumer finance and industrial finance; stock broking; depository
services; private equity and proprietary investments; exchanges, asset reconstruction; distribution
of financial products and other activities in financial services.
The Reliance Anil DhirubhaiAmbani Group is one of India's top 2 business houses, and has a
market capitalization of over Rs.2,90,000 crore (US$ 75 billion), net worth in excess of
Rs.55,000 crore (US$ 14 billion), cash flows of Rs. 11,000 crore (US$ 2.8 billion) and net profit
of Rs. 7,700 crore (US$ 1.9 billion).
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VISION
Reliance Capital's vision is that:
By 2015, it will be a company that is known as:
"The most profitable, innovative, and most trusted financial services company in India and in
the emerging markets".
In achieving this vision, the company will be both customer-centric and innovation-driven.
Business Overview
Reliance Capital, a constituent of CNX Nifty Junior and MSCI India, is a part of the Reliance
Group. It is one of India's leading and amongst most valuable financial services companies in the
private sector.
Reliance Capital has interests in asset management and mutual funds; life and general insurance;
commercial finance; equities and commodities broking; investment banking; wealth management
services; distribution of financial products; exchanges; private equity; asset reconstruction;
proprietary investments and other activities in financial services.
Reliance Mutual Fund is amongst top two Mutual Funds in India with over seven million
investor folios. Reliance Life Insurance and Reliance General Insurance are amongst the leading
private sector insurers in India. Reliance Securities is one of Indias leading retail broking
houses. Reliance Money is one of Indias leading distributors of financial products and services.
Reliance Capital has a net worth of Rs. 11,696 crore (US$ 2.3 billion) and total assets of Rs.
35,344 crore (US$ 6.9 billion) as on March 31, 2012.
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Business mix of Reliance Capital
Asset Management Mutual Fund, Offshore Fund, Pension fund, Portfolio Management
Insurance Life Insurance, General Insurance
Commercial
Finance
Mortgages, Loans against Property , SME Loans, Loans for Commercial
Vehicles, Loans for Construction Equipment, Auto Loans, Business
Loans, Infrastructure financing
Broking and
Distribution
Equities, Commodities and Derivatives, Wealth Management Services,
Portfolio Management Services, Investment Banking, Foreign
Exchange, Third Party Products
Other Businesses Exchanges, Private Equity, Institutional Broking, Asset Reconstruction,
Venture Capital
Reliance Mutual Fund
Reliance Mutual Fund (RMF) is amongst top two Mutual Funds in India, with Average Assets
Under Management (AAUM) of Rs. 78,112 crore (US$ 15.3 billion) for the quarter ended March
31, 2012.
RMF offers a well-rounded portfolio of products that meet varying investor requirements.
Reliance Mutual Fund constantly endeavors to launch innovative products and customer service
initiatives to increase value to investors.
RMF has nearly seven million investor folios and a wide distribution network with presence in
over 250 branches across India. In addition it has offices in Dubai, Singapore, Mauritius and UK.
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Chairman's Profile
Shri Anil D. Ambani, regarded as one of the foremost corporate leaders of contemporary India,
Shri Anil D. Ambani, is the Chairman of Reliance Capital Limited, Reliance Infrastructure
Limited, Reliance Communications Limited and Reliance Power Limited. He is also on the
Board of Reliance Infratel Limited and Reliance Anil DhirubhaiAmbani Group Limited. He is
the President of the DhirubhaiAmbani Institute of Information and Communication Technology,
Gandhinagar, Gujarat.
An MBA from the Wharton School of the University of Pennsylvania, ShriAmbani is credited
with pioneering several path-breaking financial innovations in the Indian capital markets. He
spearheaded the countrys first forays into overseas capital markets with international publicofferings of global depositary receipts, convertibles and bonds. Under his Chairmanship, the
constituent companies of the Reliance Group have raised nearly US$ 7 billion from global
financial markets in a period of less than 3 years.
He is currently a member of :
Wharton Board of Overseers, The Wharton School, USA Board of Governors, Indian Institute of Management (IIM), Ahmedabad Executive Board, Indian School of Business (ISB), Hyderabad
In June 2004, ShriAmbani was elected as an Independent member of the RajyaSabha Upper
House, Parliament of India, a position he chose to resign voluntarily on March 29, 2006.
Select Awards and Achievements
Awarded by Light Readings as the Person of the Year 2008 for outstandingachievements in the communication industry.
Voted 'the Businessman of the Year' in a poll conducted by The Times of India TNS,December, 2006.
Voted the 'Best role model' among business leaders in the biannual Mood of the Nationpoll conducted by India Today magazine, August 2006.
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Conferred 'the CEO of the Year 2004' in the Platts Global Energy Awards. Conferred The Entrepreneur of the Decade Award by the Bombay Management
Association, October 2002.
Awarded the First Wharton Indian Alumni Award by the Wharton India EconomicForum (WIEF) in recognition of his contribution to the establishment of Reliance as a
global leader in many of its business areas, December, 2001.
Top Management Profile
Reliance Capital is anchored by a team of experienced and committed visionaries who are
dedicated towards scaling the company to greater heights through innovation and excellence;
thereby creating value for all our stakeholders.
AmitBapna (Chief Financial Officer, Reliance Capital)
ArunHariharan (President, Quality and Knowledge Management, Reliance Capital)
K. Achuthan (Chief People Officer, Reliance Capital)
K. V. Srinivasan (Chief Executive Officer, Reliance Commercial Finance)
LavChaturvedi (Chief Risk Officer, Reliance Capital)
MadhusudanKela (Chief Investment Strategist, Reliance Capital)
Malay Ghosh (Executive Director & President, Reliance Life Insurance Company)
Rajnikant Patel (President and Chief Executive Officer, Reliance Spot Exchange)
Sam Ghosh (Chief Executive Officer, Reliance Capital)
SandeepPhanasgaonkar (Chief Technology Officer, Reliance Capital)
Sanjay Jain (Chief Marketing Officer, Reliance Capital)
SundeepSikka (Chief Executive Officer, Reliance Capital Asset Management)
Rakesh Jain (Chief Executive Officer, Reliance General Insurance)
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Vikrant Gugnani (Chief Executive Officer, International Business- Reliance Capital)
V. R. Mohan (President and Company Secretary )
Board of Directors
KanuDoshi SushilTripathi Manu Chadha SoumenGhosh
Management Team
SundeepSikka CEO HimanshuVyapak Deputy CEO Sunil B. Singhania Head - Equity Investments Amitabh Mohanty Head - Fixed Income
Equity Fund Managers
Shailesh Raj Bhan Ashwani Kumar KrishanDaga Omprakash S. Kuckian GovindAgrawal
Debt Fund Managers
AmitTripathi Prashant Pimple
AnjuChhajer
Commodities
HirenChandaria Fund Manager
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Head of Departments
Pradeep Andrade Infrastructure & Admin Milind Gandhi Chief Financial Officer Rajesh Derhgawen Head - HR, Admin & Infrastructure VinayNigudkar Information Technology Bhalchandra Joshi Head - Service Delivery & Investor Relations GeetaChandran Operations & Settlement MuneeshSud Legal, Secretarial & Compliance Sanjay Kumar Singh Head - Product Development
Zonal Heads
Gurbir Chopra Northern Zone Head AashwinDugal Western Zone Head GopalKhaitan Southern Zone Head
VikasRathie Eastern Zone Head
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COMPETITORS
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OBJECTIVE & SCOPE
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OBJECTIVE
1. To analyze the benefits from Reliance Mutual Fund investment against banks and insurance
2. To analyse investment option provided by Reliance Mutual fund.
3. To Study the awareness of mutual funds in Nagpur .
4.The main objective of this project is concerned with getting the opinion of people
regarding Mutual Funds, to target them and create awareness while with the generation of
leads.
5. I have tried to explore the general opinion about Mutual Funds. It also covers why not
investors are availing the services of financial advisors.
SCOPE
In my project the scope is limited to some prominent mutual funds in the mutual fund industry. I
analyzed the funds depending on their schemes like equity, income, balance. But there is so
many other schemes in mutual fund industry like specialized (Banking, Infrastructure, Pharma)
funds, index funds etc.
My study is mainly concentrated on equity schemes, the returns, in income schemes therating of
CRISIL, ICRA and other credit rating agencies.
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RESEARCHMETHODOLOGY
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Collection of Data
Primary Data:
The Primary data is collected from bank because Reliance have a tie-up with nationalized banks
like Central bank of India, bank of India, cosmos bank, Andhra Bank etc.
Sample size
I have taken 150 samples out of 150 samples 54 have responded to my survey and rest of 96 are
not aware of mutual funds.
Secondary data
Published data are available in:
Publications of central, state and local newspapers
Publication of foreign government or of international bodies
Technical or trade journals
Books, magazines and newspapers and Internet
Public record and statistics, historical documents and sources of public information.
Sample Frame:-List of Clients of bank.
Scaling Technique:-Scaling is a process creating a continuum on which measured objects
are located. For this project following scaling technique is used.
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Ordinal scale:-
A ranking scale in which numbers are assigned to the objects to indicate the
relative extent to which some characteristics is possessed. Thus it is possible to know
whether an object has more of a characteristics than some other object e.g. Quality
ranking
Analysis of data:-
By preparing charts and tables from the data
The data analysis is done on the basis of Rate of return of the each company
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DATA ANALYSIS&
INTEPRETATION
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Data Analysis Methods
Data analysis methods vary considerably from and even within the types of
research designs. Some methods, such as single-subject designs, do not necessarily
need a statistical analysis to convey experimental control over the dependent
variables. Most quantitative designs, such as randomized trials and many quasi-
experimental designs, require statistical analysis. The statistical analysis templates
cover quantitative methods and include the following design and analysis
combinations:
According to my analysis the following reasons are where they get whole details.
What are the benefits the people will get complete knowledge in mutual funds.
And following are the reasons and benefits by the Reliance mutual fund.
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DATA ANALYSIS AND INTERPRETATION
TABLE AND CHART 1
Table showing the interest rate of respondents towards mutual funds.
Chart showing the interest of respondents towards mutual funds.
Analysis
36% are interested to invest in mutual funds and 64% are not interested because mojority ofthe people trust on other investments.
There may be so many cause behind it like having lack of appropriate knowledge regardingmutual funds.
Yes
36%
No
64%
Other
64%
Chart Title
Yes No
Yes No
Responds 54 96
Percentage 36 64
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TABLE AND CHART 2
Table showing the reason for not investing in mutual funds of respondents towards mutual
funds.
Reasons RespondsLack of knowledge about mutual funds 73
Enjoys investing in other options 34
Its benefits are not enough to drive you forinvestment
15
No trust over the fund managers 28
Chart showing the the reason for not investing in mutual funds of respondents towards
mutual funds
Analysis
73
34
15
28
0
10
20
30
40
5060
70
80
Lack of knowledge
about mutual
funds/insurance
Enjoys investing in
other options
Its benefits are not
enough to drive you
for investment
No trust over the
fund managers
Responds
Responds
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Maximum primary customer has lack of awareness about mutual funds because people are
interested in enjoying in other option or has no trust according to my analysis.
And the people don't want to take risk investing in mutual funds.
TABLE AND CHART 3
Table showing the do you find yourself, a mutual fund investor or an insurance policy
owner of respondents towards mutual funds.
.
Responses Responds
Totally ignorant 43
Partial knowledge of mutual funds 51
Aware only of any specific scheme in whichyou invested
30
Fully aware 26
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Chart showing the the reason for not investing in mutual funds of respondents towards
mutual funds
Analysis:
In the view of most of the respondents,have Partial knowledge of mutual funds but they don'tknow the benefits of the same. And 43 respondance are not interested in mutual funds.my aim is
to make them understand and create awareness to them. Because they believe in banks and other
investments only.
TABLE AND CHART 4
0
10
20
30
40
50
60
Totally
ignorant Partial
knowledge ofmutual funds
Aware only ofany specific
scheme in
which you
invested
Fully aware
43 51
30
26Responds
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Table showing the which is the most suitable stage to invest in mutual funds
Responses RespondsYoung unmarried stage 56Young Married with children stage 32
Married with older children stage 28
Pre-retirement stage 34
Chart showing the which is the most suitable stage to invest in mutual funds
Interpretation:
According to my survey young married stage people are interested to invest i.e.. 56out of 150 are interested to invest in investments.
The young which are married and have children who show interest are only 32 out of150.
The pre retirement people contribute about 34 of 150 . Whereas married with younger are the least number with only 28 . It show younger
and unmarried have more interest in investments.
56
32
28
34
0
10
20
30
40
50
60
Young unmarried
stage
Young Married with
children stage
Married with older
children stage
Pre-retirement
stage
Responds
Responds
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TABLE AND CHART 5
Table showing the kind of investments you prefer most
Chart showing the kind of investments you prefer most
Saving account
33%
Fixed deposits
18%
Insurance
11%
Mutual Funde.
13%
Post Office-NSC,
9%
Shares/Debenture
s
2%
Gold/ Silver8%
Real Estate
5%
PF
1%Response
Response
Saving account 53
Fixed deposits 29
Insurance 18
Mutual Funde. 20
Post Office-NSC, 14
Shares/Debentures 3
Gold/ Silver 13
Real Estate8
PF 2
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Interpretaion:
According to the graph shown above the people are interested more in saving accountrather than in other areas with considerable amount of 58 out of 150 and whereas
others account less in number.
TABLE AND CHART 6
Table showing the investing your money, which factor you prefer most
Response
Liquidity 21Low Risk 69
High Return 32
Company reputation 28
Chart showing the investing your money, which factor you prefer most
Liquidity, 21
Low Risk ,
69
High Return ,
32
Company
reputation, 28
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Interpretation:
As the human intention shows that most of the investors are not ready to take risk. Asto quantify that almost 69 out of 150 have selected low risk investments in real time.
Where as company reputation, high returns and liquidity are 28,32 and 21 respectively
with liquidity at the last position.
TABLE AND CHART 7
Table showing why not invested in Mutual Fund by the respondents
Responds
Not aware of MF 52
Higher risk 27
Not any specific reason 17
Table showing why not invested in Mutual Fund by the respondents
Not aware of MF
, 52Higher risk
, 27
Not any
specific
reason, 17
Responds
Not aware of MF
Higher risk
Not any specific reason
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Interpretation
According to pie chart table we can analysis that:
1) 52 Out of 96 are lack of knowledge regarding the mutual funds2) 27 out of 96 is thinking are investing mutual funds are high risk.3) Among 96,17 are not at all given any specification reasons why they are nor investing in mutual
funds.
TABLE AND CHART 8
Table showing In which Mutual Fund respondents have invested.
Responds
SBIMF 10
UTI 6
HDFC 14
Reliance 14
ICICI prudential funds 5
JM mutual fund 2
Other. Specify 4
Chart showing In which Mutual Fund respondents have invested.
10
6
14
14
5
2
0 2 4 6 8 10 12 14 16
SBIMF
UTI
HDFC
Reliance
ICICI prudential funds
JM mutual fund
Responds
Responds
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Interpretation According to pie chart table we can analysis that:
1) In my analysis Reliance and HDFC are in frist place.Its one of close competetors foreach other in mutual fund.Both are 14 each out of 56 respondends.
2) Other companies like SBI,JM,ICICI,UTI has given least importance by therespondance.
As per last performance by these companies has given less retunes there investers.
TABLE AND CHART 9
Table showing in Mutual Funds which mode of investment will respondents
prefer
Responses
One Time Investment 19
Systematic Investment Plan (SIP) 35
Chart showing in Mutual Funds which mode of investment will respondents prefer
One Time
Investment ,
19Systematic
Investment Plan
(SIP), 35
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Interpretation
According to pie chart table we can analysis that:
1) 35 Out of 54 are among with Systematic investment plan becauseIt can be done in monthly
2) 19 are interested in lump sum amount among 96.means3) By Systematic invesment plans invester can invest there money by monthly basis.it
can reduce the burden of the invester and gives better results.
TABLE AND CHART 10
Table showing in which Mutual Funds sector respondents are investing
Responds
General 4
Oil and petroleum 5
Gold fund 18
Diversified equity fund 3
Power sector 5
Debt fund 0
Banking fund 11
Real estate fund 8
Chart showing in which Mutual Funds sector respondents are investing
General
, 4Oil and petroleum,
5
Gold fund, 18
Diversifiedequity fund, 3
Power
sector, 5Debt fund, 0
Banking fund, 11
Real estate
fund, 8
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Interpretation: -
1) As per my analysis as above we can say that in mutual fund investers are interested ingold fund.because it gives one of the best retunes than any other retures
2) 11 Out of 54 are interested in banking fund as it gives ever green retuns.3) Real estate fund plays an third place in as per respondents4) TABLE AND CHART 105) Table showing in which sector respondents are working
Responses
Govt. Sec 14
Pvt. Sec 12
Business 21
Agriculture 3Others 4
Chart Showing in which sector respondents are working
Analysis:-
1) Majority of respondents are related to business field means 21 out of 54.2) As per data above next respondents are related to government sector, private sector,agriculture sector are 14,12,3 respectively.
14
12
21
3
4
0 5 10 15 20 25
Govt. Sec
Pvt. Sec
Business
Agriculture
Others
Responses
Responses
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TABLE AND CHART 11
Table showing the monthly income of respondents
Responses
Up toRs.10,000 5
Rs. 10,001 to 15,000 10
Rs. 15,001 to 20,000 9
Rs. 20.001 to 30,000 13
Rs. 30.001 and above 17
Chart showing the monthly income of respondents
Analysis
1)31% Out of 100 are related to 30001 and above salary respondents in the above Chart.
2) 24% out of 100 to 20001 to 30000 salary respondents in the above Chart.
3)19% out of 100 to 10000 to 15001 salary respondents in the above Chart.
4)17% out of 100 to 10000 to 15000 salary respondents in the above Chart
Up toRs.10,000
9%
Rs. 10,001 to
15,00019%
Rs. 15,001 to
20,000
17%Rs. 20.001 to
30,000
24%
Rs. 30.001 and
above
31%
Responses
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From all the above analysis the interpretation that I have come up
with is as follows:-
Interpretation of data
REASON FOR INVEST IN MUTUAL FUND
SR
N
O
POINTS REASONS COMPARE WITH
BANK
COMPARE WITH
SHARE MARKET
1. EASE OF
SELECTION
You can select from
thousands of funds and
you can get information
on them easily.
There are limited
schemes for selection.
Like - Fixed deposit,
Recurring deposit, gold
schemes.
It is not easy to choose
any proper company to
invest in the equity.
Like - Equity shares,
preference share.
2. ABEGIN SMALL Most mutual funds will
let you start with
Rs.5000, and if you set it
up for Systematic
Investment Plan, some
will let you start with
only Rs.100.
The amount of fixed
deposit should be
minimum Rs.5000.
It has start with less
investment if shares are
available in the market.
3. CONVENIENT Easy to buy and sell of
fund, easy to getinformation online.
There is no one option
available to checkinvesting amount on
bank online process.
Investor can buy and
sell shares online.
4. PROFESSIONAL
MANAGEMENT
An investor who lacks
the time or knowledge to
manage their own
investments can turn to
the mutual fund and let a
professional handle all
There are schemes made
by fund manager only
once and its not flexible
in the schemes in the
bank.
In the share market
there are not any
schemes or fund.
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the securities, analysis,
and questions of when to
buy or sell for them.
5. INCREASES THE
OPPORTUNITIES
Investment in a mutual
fund really means you
are a part owner in a
pooled diversification,
managed by
professionals and able to
take advantage of
investments through this
alliance that you could
never afford on your
own.
There are no
opportunities to added
extra fund in the existing
schemes.
The opportunities
should be getting on the
basis of up and down
market condition and it
will be done in short
period of time.
6. LOWER YOUR
RISK
Mutual funds diversify
your portfolio by
investing in a number of
securities and so spread
the risk out into more
baskets.
There is no risk but get
less return.
In the share market
there has high risk to
invest in the market.
7. CHOICES Mutual Funds investors
have many thousands of
options to choose from.
You can make choices
based on those grounds
as well as the financial
stability of the fund itself
and your particular
financial plan.
The bank scheme should
be limited and over a
long period of time.
There are limited
choices to invest in the
share market.
8. DIVERSIFICATION A broad-based growth
fund typically invests in
dozens of companies in
different industries,
sometimes even in
There is no
diversification available
in the bank scheme.
There should not be
diversifying his shares
to other shares.
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different countries
around the world.
9. TRANSPARENCY As an investor, you get
updates on the value of
your units, information
on specific investments
made by the mutual fund
and the fund manager's
strategy and outlook.
The bank not informing
about the update to the
customer.
In the share market they
updating every minutes
his share prices with
help of 5 working days.
10. LIQUID ASSETS Mutual funds can be
bought or sold on any
day the market is doing
business. The money can
be in your hands in a
matter of a few days.
There are not get liquidity
of schemes in the banks.
Shares can be liquid
quickly with the help
of Demat A/C.
11. RETURNS In mutual fund there is
low risk and generate
high returns.
In the field of bank there
is no risk but less returns.
In the share market
there is high risk and
returns should be
depending on the
market.
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I have given detailed information and retunes that generate from last 5 years detail reliance
equity Diversified fund that is Reliance Growth funds in following. So that people will get
awareness about the same.
Equity: Diversified Mid Cap & Small Cap
Reliance Growth Fund
Nature :Open-ended Equity Growth Scheme
Investment Objective:
The primary investment objective of the scheme is to achieve long term growth of capital by
investing in equity and equity related securities through a research based investment
approach.
Date of Allotment:08/10/1995
Inception Date:08/10/1995
Quarterly AAUM (Rs. in Crores):5557 ( 30/06/2012 )
Minimum Investment:
Retail Plan- Rs 5000 and in multiples of Re. 1 thereafter
IP Plan- Rs 5 cr and in multiples of Re. 1 thereafter
Fund Manager: SunilSinghania
Entry Load* :
Retail PlanNot Applicable
Institutional PlanNot Applicable
Exit Load (w.e.f. from 24th Aug 2009)
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Retail Plan & Institutional Plan
- 1% if redeemed or switched out on or before completion of 1 year from the date of
allotment of units
- Nil if redeemed or switched out after completion of 1 year from the date of allotment of
units
Benchmark: BSE100
*In terms of SEBI circular no. SEBI/IMD/CIR No.4/ 168230/09 dated June 30, 2009, no
entry load will be charged byThe Scheme to the investor effective August 1, 2009. Upfront
commission shall be paid directly by the investor to theAMFI registered Distributors basedon
the investors' assessment of various factors including the service rendered by theDistributor.
Disclaimers
The views expressed herein constitute only the opinions and do not constitute any guidelines
or recommendation on any course ofaction to be followed by the reader. This information
is meant for general reading purposes only and is not meant to serve as aprofessional guide
for the readers. Certain factual and statistical (both historical and projected) industry andmarket data and other information was obtained by RCAM from independent, third-party
sources that it deems to be reliable, some of which have been cited above. However,
RCAM has not independently verified any of such data or other information, or the
reasonableness of the assumptions upon which such data and other information was based,
and there can be no assurance as to the accuracy of such data and other information. Further,
many of the statements and assertions contained in these materials reflect the belief of
RCAM, which belief may be based in whole or in part on such data and other information.
The Sponsor, the Investment Manager, the Trustee or any of their respective directors,
employees, affiliates or representatives do not assume any responsibility for, or warrant the
accuracy, completeness, adequacy and reliability of such information. Whilst no action has
been solicited based upon the information provided herein, due care has been taken to ensure
that the facts are accurate and opinions given are fair and reasonable. This information is not
intended to be an offer or solicitation for the purchase or sale of any financial product or
instrument. Readers are advised to seek independent professional advice, verify thecontents and arrive at an informed investment decision before making any investments.
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None of the Sponsor, the Investment Manager, the Trustee, their respective directors,
employees, affiliates or representatives shall be liable for any direct, indirect, special,
incidental, consequential, punitive or exemplary damages, including lost profits arising in any
way from the information contained in this material.
The Sponsor, the Investment Manager, the Trustee, any of their respective directors,
employees including the fund managers, affiliates, representatives including persons
involved in the preparation or issuance of this material may from time to time, have long or
short positions in, and buy or sell the securities thereof, of company(ies) / specific economic.
Statutory Details: Reliance Mutual Fund has been constituted as a trust in accordance with
the provisions of the Indian Trusts Act, 1882. Sponsor: Reliance Capital Limited. Trustee:
Reliance Capital Trustee Co. Limited. Investment Manager: Reliance Capital
Asset Management Limited (Registered Office of Trustee & Investment
Manager: 'H' Block,1st Floor, DhirubhaiAmbani Knowledge City, Koparkhairne, Navi
Mumbai - 400 710, Maharashtra. . The Sponsor, the Trustee and the Investment
Manager are incorporated under the Companies Act 1956. The Sponsor is not responsible or
liable for any loss resulting from the operation of the Scheme beyond their initial contribution
of Rs.1 lakh towards the setting up of the Mutual Fund and such other accretions andadditions to the corpus.
Investment Objective: The primary investment objective of the scheme is to achieve long
term growth of capital by investment in equity and equity related securities through a
research based investment approach. However, there can be no assurance that the investment
objective of the Scheme will be realized, as actual market movements may be at variance with
anticipated trends.Terms of Issue: The NAV of the Scheme will be calculated and declared on
every working day. The Scheme provides sale/ switch -in &repurchase /switch - out facility
on all Business Days at NAV based prices
Risk Factors: Mutual Funds and securities investments are subject to market risks and there is
no assurance or guarantee that the objectives of the Scheme will be achieved. As with any
investment in securities, the NAV of the Units issued under the Scheme can go up or down
depending on the factors and forces affecting the capital markets.
Reliance Growth Fund is only the name of the Scheme and does not in any manner
indicate either the quality of the Scheme, its future prospects or returns. Past performance of
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the Sponsor/AMC/Mutual Fund is not indicative of the future performance of the Scheme. The
NAV of the Scheme may be affected, interalia, by changes in the market conditions, interest
rates, trading volumes, settlement periods and transfer procedures. For details of scheme
features and for Scheme specific risk factors, please refer to the Scheme Information
Document which is available at all the DISC / Distributors / www.reliancemutual.com.
Please read the Scheme Information Document and Statement of Additional Information
carefully before investing.
PORTFOLIO COMPOSITION AS ON 30TH JUNE 2012
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SECTOR ALLOCATION AS ON 30TH JUNE 2012
PORTFOLIO OF RELIANCE GROWTH FUND
As on 30th June 2012
Holdings Weightage %
Equities
Strides Arcolab Ltd 4.99
ICICI Bank Ltd 4.97
Divis Laboratories Ltd 4.43
HCL Technologies Ltd 4.28
Lupin Ltd 4.27
State Bank of India 4.15
Jindal Saw Ltd 3.84
Gujarat State Fertilizers & Chemicals Ltd 3.59
Ranbaxy Laboratories Ltd 3.11
Reliance Industries Ltd 3.03
Infosys Ltd 3.00
Financial Technologies India Ltd 2.75
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Federal Bank Ltd 2.72
Bombay Dyeing & Manufacturing Co Ltd 2.35
Gujarat Mineral Development Corp Ltd 2.34
Satyam Computers Ltd. 2.05Indiabulls Financial Services Ltd 2.35
United Phosphorus Ltd 2.35
Max India Ltd 1.72
RadicoKhaitan Ltd 1.82
United Spirits Ltd 1.86
Jindal Steel & Power Ltd 2.03
Tata Motors Ltd 1.97
Greaves Cotton Ltd 1.88
Orient Paper & Industries Ltd 1.63
Larsen & Toubro Ltd 1.52
Jaiprakash Associates Ltd 1.39
HT Media Ltd 1.16
BEML Ltd 1.05
Maharashtra Seamless Ltd 1.01
Equity Less Than 1% of Corpus 14.87
Sub Total of Equities 94.43
Derivatives, Debt, Cash and Other Receivables 5.57
Grand Total 100.00
Top Holdings (Jun 29, 12)
Equity Sector Value
(Rscr)
Asset %
Strides Arcolab Pharmaceuticals 273.38 4.99
ICICI Bank Banking/Finance 272.31 4.97
Divis Labs Pharmaceuticals 242.80 4.43
HCL Tech Technology 234.64 4.28
Lupin Pharmaceuticals 233.99 4.27
SBI Banking/Finance 227.33 4.15
Jindal Saw Metals & Mining 210.53 3.84
GSFC Chemicals 196.77 3.59
Ranbaxy Labs Pharmaceuticals 170.40 3.11
Reliance Oil & Gas 166.39 3.03
http://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/strides%20arcolab/SA10&flag=MChttp://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/strides%20arcolab/SA10&flag=MChttp://www.moneycontrol.com/india/stockpricequote/banks%20-%20private%20sector/icici%20bank/ICI02&flag=MChttp://www.moneycontrol.com/india/stockpricequote/banks%20-%20private%20sector/icici%20bank/ICI02&flag=MChttp://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/divis%20laboratories/DL03&flag=MChttp://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/divis%20laboratories/DL03&flag=MChttp://www.moneycontrol.com/india/stockpricequote/computers%20-%20software/hcl%20technologies/HCL02&flag=MChttp://www.moneycontrol.com/india/stockpricequote/computers%20-%20software/hcl%20technologies/HCL02&flag=MChttp://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/lupin/L&flag=MChttp://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/lupin/L&flag=MChttp://www.moneycontrol.com/india/stockpricequote/banks%20-%20public%20sector/state%20bank%20of%20india/SBI&flag=MChttp://www.moneycontrol.com/india/stockpricequote/steel%20-%20tubes/pipes/jindal%20saw/JS08&flag=MChttp://www.moneycontrol.com/india/stockpricequote/fertilisers/gujarat%20state%20fertilizers%20company/GSF&flag=MChttp://www.moneycontrol.com/india/stockpricequote/fertilisers/gujarat%20state%20fertilizers%20company/GSF&flag=MChttp://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/ranbaxy%20laboratories/RL&flag=MChttp://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/ranbaxy%20laboratories/RL&flag=MChttp://www.moneycontrol.com/india/stockpricequote/refineries/reliance%20industries/RI&flag=MChttp://www.moneycontrol.com/india/stockpricequote/refineries/reliance%20industries/RI&flag=MChttp://www.moneycontrol.com/india/stockpricequote/refineries/reliance%20industries/RI&flag=MChttp://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/ranbaxy%20laboratories/RL&flag=MChttp://www.moneycontrol.com/india/stockpricequote/fertilisers/gujarat%20state%20fertilizers%20company/GSF&flag=MChttp://www.moneycontrol.com/india/stockpricequote/steel%20-%20tubes/pipes/jindal%20saw/JS08&flag=MChttp://www.moneycontrol.com/india/stockpricequote/banks%20-%20public%20sector/state%20bank%20of%20india/SBI&flag=MChttp://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/lupin/L&flag=MChttp://www.moneycontrol.com/india/stockpricequote/computers%20-%20software/hcl%20technologies/HCL02&flag=MChttp://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/divis%20laboratories/DL03&flag=MChttp://www.moneycontrol.com/india/stockpricequote/banks%20-%20private%20sector/icici%20bank/ICI02&flag=MChttp://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/strides%20arcolab/SA10&flag=MC7/28/2019 Reliance Growth Fund Project
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Sector Allocation (Jun 29, 12)
Sector %1-Year
HighLow
Pharmaceuticals 16.79 16.64 10.97
Banking/Finance 14.18 19.06 13.51
Technology 12.07 11.94 8.12
Metals & Mining 9.21 10.21 7.85
Chemicals 5.93 7.25 5.45
Engineering 4.44 4.73 2.03
Concentration
Holdings (%)
Top 5 22.92
Top 10 40.64
Sector (%)
Top 3 43.04
Asset Allocation (%)(Jun 29, 12)
Equity 79.56
Others 14.87
Debt 0.00
Mutual Funds N.A
Money Market 0.00
Cash / Call 5.57
Sectoral Allocation
Sector Value
(Rs in cr.)
Qty %
Pharmaceuticals920.5681 -- 16.79
Strides Arcolab 273.38 3,686,575.00 4.99
Divis Laboratories 242.80 2,364,504.00 4.43
Lupin 233.99 4,341,119.00 4.27
Ranbaxy Laboratories
170.40 3,475,164.00 3.11777.7425 -- 14.18
http://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/stridesarcolab/SA10http://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/stridesarcolab/SA10http://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/divislaboratories/DL03http://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/divislaboratories/DL03http://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/lupin/Lhttp://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/lupin/Lhttp://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/ranbaxylaboratories/RLhttp://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/ranbaxylaboratories/RLhttp://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/ranbaxylaboratories/RLhttp://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/lupin/Lhttp://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/divislaboratories/DL03http://www.moneycontrol.com/india/stockpricequote/pharmaceuticals/stridesarcolab/SA107/28/2019 Reliance Growth Fund Project
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Banking & Financial
ServicesICICI Bank 272.31 3,027,057.00 4.97
State Bank of India 227.33 1,052,862.00 4.15
Federal Bank 149.19 3,327,591.00 2.72
Indiabulls Financial Services 128.91 5,594,929.00 2.35
Information Technology661.9421 -- 12.07
HCL Technologies 234.64 4,927,318.00 4.28
Infosys 164.37 656,797.00 3.00
Financial Technologies 150.73 2,044,538.00 2.75
Mahindra Satyam 112.20 14,302,469.00 2.05
Metals & Mining504.9348 -- 9.21
Jindal Saw 210.53 15,906,740.00 3.84
Gujarat Mineral Development
Corporation
128.17 6,892,837.00 2.34
Jindal Steel & Power 111.11 2,366,593.00 2.03
Maharashtra Seamless 55.13 1,649,963.00 1.01
Chemicals325.4048 -- 5.93
Gujarat State Fertilizers
Company
196.77 4,711,404.00 3.59
United Phosphorous
128.63 10,249,639.00 2.35
Engineering & Capital
Goods
243.5998 -- 4.44
Greaves Cotton 103.00 14,610,028.00 1.88
Larsen and Toubro 83.24 595,673.00 1.52
BEML 57.36 1,515,929.00 1.05
Conglomerates
218.2143 -- 3.98
Bombay Dyeing and
Manufacturing Company
129.07 2,400,562.00 2.35
Orient Paper and Industries 89.15 15,990,688.00 1.63
Food & Beverages201.9761 -- 3.68
United Spirits 102.21 1,490,391.00 1.86
RadicoKhaitan 99.77 8,483,429.00 1.82
Oil & Gas166.3904 -- 3.03
Reliance Industries 166.39 2,256,294.00 3.03
107.8266 -- 1.97
http://www.moneycontrol.com/india/stockpricequote/banksprivatesector/icicibank/ICI02http://www.moneycontrol.com/india/stockpricequote/banksprivatesector/icicibank/ICI02http://www.moneycontrol.com/india/stockpricequote/bankspublicsector/statebankindia/SBIhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/statebankindia/SBIhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/federalbank/FBhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/federalbank/FBhttp://www.moneycontrol.com/india/stockpricequote/financegeneral/indiabullsfinancialservices/IFS03http://www.moneycontrol.com/india/stockpricequote/financegeneral/indiabullsfinancialservices/IFS03http://www.moneycontrol.com/india/stockpricequote/computerssoftware/hcltechnologies/HCL02http://www.moneycontrol.com/india/stockpricequote/computerssoftware/hcltechnologies/HCL02http://www.moneycontrol.com/india/stockpricequote/computerssoftware/infosys/IThttp://www.moneycontrol.com/india/stockpricequote/computerssoftware/infosys/IThttp://www.moneycontrol.com/india/stockpricequote/computerssoftware/financialtechnologies/FT02http://www.moneycontrol.com/india/stockpricequote/computerssoftware/financialtechnologies/FT02http://www.moneycontrol.com/india/stockpricequote/computerssoftware/mahindrasatyam/SCShttp://www.moneycontrol.com/india/stockpricequote/computerssoftware/mahindrasatyam/SCShttp://www.moneycontrol.com/india/stockpricequote/steeltubespipes/jindalsaw/JS08http://www.moneycontrol.com/india/stockpricequote/miningminerals/gujaratmineraldevelopmentcorporation/GMDhttp://www.moneycontrol.com/india/stockpricequote/miningminerals/gujaratmineraldevelopmentcorporation/GMDhttp://www.moneycontrol.com/india/stockpricequote/miningminerals/gujaratmineraldevelopmentcorporation/GMDhttp://www.moneycontrol.com/india/stockpricequote/steelspongeiron/jindalsteelpower/JSPhttp://www.moneycontrol.com/india/stockpricequote/steelspongeiron/jindalsteelpower/JSPhttp://www.moneycontrol.com/india/stockpricequote/steeltubespipes/maharashtraseamless/MS02http://www.moneycontrol.com/india/stockpricequote/steeltubespipes/maharashtraseamless/MS02http://www.moneycontrol.com/india/stockpricequote/fertilisers/gujaratstatefertilizerscompany/GSFhttp://www.moneycontrol.com/india/stockpricequote/fertilisers/gujaratstatefertilizerscompany/GSFhttp://www.moneycontrol.com/india/stockpricequote/chemicals/unitedphosphorous/UP04http://www.moneycontrol.com/india/stockpricequote/chemicals/unitedphosphorous/UP04http://www.moneycontrol.com/india/stockpricequote/engines/greavescotton/GC20http://www.moneycontrol.com/india/stockpricequote/engines/greavescotton/GC20http://www.moneycontrol.com/india/stockpricequote/engineeringheavy/larsentoubro/LThttp://www.moneycontrol.com/india/stockpricequote/engineeringheavy/larsentoubro/LThttp://www.moneycontrol.com/india/stockpricequote/engineeringheavy/beml/BEM03http://www.moneycontrol.com/india/stockpricequote/diversified/bombaydyeingmanufacturingcompany/BDMhttp://www.moneycontrol.com/india/stockpricequote/diversified/bombaydyeingmanufacturingcompany/BDMhttp://www.moneycontrol.com/india/stockpricequote/diversified/orientpaperindustries/OPIhttp://www.moneycontrol.com/india/stockpricequote/diversified/orientpaperindustries/OPIhttp://www.moneycontrol.com/india/stockpricequote/breweriesdistilleries/unitedspirits/UShttp://www.moneycontrol.com/india/stockpricequote/breweriesdistilleries/radicokhaitan/RK01http://www.moneycontrol.com/india/stockpricequote/breweriesdistilleries/radicokhaitan/RK01http://www.moneycontrol.com/india/stockpricequote/refineries/relianceindustries/RIhttp://www.moneycontrol.com/india/stockpricequote/refineries/relianceindustries/RIhttp://www.moneycontrol.com/india/stockpricequote/refineries/relianceindustries/RIhttp://www.moneycontrol.com/india/stockpricequote/breweriesdistilleries/radicokhaitan/RK01http://www.moneycontrol.com/india/stockpricequote/breweriesdistilleries/unitedspirits/UShttp://www.moneycontrol.com/india/stockpricequote/diversified/orientpaperindustries/OPIhttp://www.moneycontrol.com/india/stockpricequote/diversified/bombaydyeingmanufacturingcompany/BDMhttp://www.moneycontrol.com/india/stockpricequote/diversified/bombaydyeingmanufacturingcompany/BDMhttp://www.moneycontrol.com/india/stockpricequote/engineeringheavy/beml/BEM03http://www.moneycontrol.com/india/stockpricequote/engineeringheavy/larsentoubro/LThttp://www.moneycontrol.com/india/stockpricequote/engines/greavescotton/GC20http://www.moneycontrol.com/india/stockpricequote/chemicals/unitedphosphorous/UP04http://www.moneycontrol.com/india/stockpricequote/fertilisers/gujaratstatefertilizerscompany/GSFhttp://www.moneycontrol.com/india/stockpricequote/fertilisers/gujaratstatefertilizerscompany/GSFhttp://www.moneycontrol.com/india/stockpricequote/steeltubespipes/maharashtraseamless/MS02http://www.moneycontrol.com/india/stockpricequote/steelspongeiron/jindalsteelpower/JSPhttp://www.moneycontrol.com/india/stockpricequote/miningminerals/gujaratmineraldevelopmentcorporation/GMDhttp://www.moneycontrol.com/india/stockpricequote/miningminerals/gujaratmineraldevelopmentcorporation/GMDhttp://www.moneycontrol.com/india/stockpricequote/steeltubespipes/jindalsaw/JS08http://www.moneycontrol.com/india/stockpricequote/computerssoftware/mahindrasatyam/SCShttp://www.moneycontrol.com/india/stockpricequote/computerssoftware/financialtechnologies/FT02http://www.moneycontrol.com/india/stockpricequote/computerssoftware/infosys/IThttp://www.moneycontrol.com/india/stockpricequote/computerssoftware/hcltechnologies/HCL02http://www.moneycontrol.com/india/stockpricequote/financegeneral/indiabullsfinancialservices/IFS03http://www.moneycontrol.com/india/stockpricequote/banksprivatesector/federalbank/FBhttp://www.moneycontrol.com/india/stockpricequote/bankspublicsector/statebankindia/SBIhttp://www.moneycontrol.com/india/stockpricequote/banksprivatesector/icicibank/ICI027/28/2019 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AutomotiveTata Motors 107.83 4,454,725.00 1.97
Manufacturing94.4127 -- 1.72
Max India 94.41 4,913,491.00 1.72
Cement & Construction76.4581 -- 1.39
Jaiprakash Associates 76.46 10,402,460.00 1.39
Media & Entertainment63.8613 -- 1.16
HT Media 63.86 6,600,652.00 1.16
Cash / Call-- -- 5.57
Others / Unlisted -- -- 14.87
Fund returns v/s Category average (Diversified Equity)
1 mth
(%)3 mth
(%)6 mth
(%)1 yr (%) 2 yr (%) 3 yr (%) 5yr (%)
Fund Returns -1.5 -5.1 -1.9 -10.3 -6.7 5.4 5.0
Category avg -0.6 -1.8 0.2 -8.5 -3.5 5.6 2.6
Difference of Fundreturns and Categoryreturns
-0.9 -3.3 -2.1 -1.8 -3.2 -0.2 2.4
Best of category 2.4 2.4 8.4 1.5 8.8 19.3 11.7
Worst of category -3.7 -6.0 -8.8 -19.6 -11.8 -23.5 -16.0
Benchmark returns # -1.4 -3.0 -2.9 -10.3 -4.8 2.7 1.4
Difference of Fundreturns andBenchmark returns
-0.1 -2.1 1.0 0.0 -1.9 2.7 3.6
Returns (NAV as on Jul-26-2012)
Period Returns (%) Rank #
1 mth -1.5 74
3 mth -5.1 93
6 mth -1.9 75
1 year -10.3 64
2 year -6.7 75
3 year 5.4 58
http://www.moneycontrol.com/india/stockpricequote/autolcvshcvs/tatamotors/TM03http://www.moneycontrol.com/india/stockpricequote/autolcvshcvs/tatamotors/TM03http://www.moneycontrol.com/india/stockpricequote/packaging/maxindia/MIhttp://www.moneycontrol.com/india/stockpricequote/packaging/maxindia/MIhttp://www.moneycontrol.com/india/stockpricequote/constructioncontractingcivil/jaiprakashassociates/JA02http://www.moneycontrol.com/india/stockpricequote/constructioncontractingcivil/jaiprakashassociates/JA02http://www.moneycontrol.com/india/stockpricequote/mediaentertainment/htmedia/HThttp://www.moneycontrol.com/india/stockpricequote/mediaentertainment/htmedia/HThttp://www.moneycontrol.com/mutual-funds/performance-tracker/returns/diversified-equity.htmlhttp://www.moneycontrol.com/mutual-funds/performance-tracker/returns/diversified-equity.htmlhttp://www.moneycontrol.com/mutual-funds/performance-tracker/returns/diversified-equity.htmlhttp://www.moneycontrol.com/mutual-funds/performance-tracker/returns/diversified-equity.htmlhttp://www.moneycontrol.com/india/stockpricequote/mediaentertainment/htmedia/HThttp://www.moneycontrol.com/india/stockpricequote/constructioncontractingcivil/jaiprakashassociates/JA02http://www.moneycontrol.com/india/stockpricequote/packaging/maxindia/MIhttp://www.moneycontrol.com/india/stockpricequote/autolcvshcvs/tatamotors/TM037/28/2019 Reliance Growth Fund Project
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5 year 5.0 32
Rank within 101Diversified Equity Schemes.
Absolute Returns (in %)
Year Qtr 1 Qtr 2 Qtr 3 Qtr 4 Annual
2012 19.0 -3.4 - - -
2011 -8.9 -2.5 -9.3 -9.4 -27.9
2010 1.8 3.4 11.6 -3.4 16.1
2009 -6.2 54.7 19.9 -0.2 93.5
2008 -30.0 -9.2 -3.6 -23.6 -54.6
2007 -3.9 22.1 12.5 33.2 74.7\\\\\\
http://www.moneycontrol.com/mutual-funds/performance-tracker/returns/diversified-equity.htmlhttp://www.moneycontrol.com/mutual-funds/performance-tracker/returns/diversified-equity.htmlhttp://www.moneycontrol.com/mutual-funds/performance-tracker/returns/diversified-equity.html7/28/2019 Reliance Growth Fund Project
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NAV AS ON 29TH JUNE 2012 Rs.
Reliance Growth Fund-Growth Plan 421.8321
Reliance Growth Fund-Bonus Plan 69.9467
Reliance Growth Fund-Dividend Plan 45.9383
Reliance Growth Fund-Institutional Growth 426.3228
Reliance Growth Fund-InstitutionalDividend 406.6740
Competition
Diversified
Equity
Crisil
Rank
Assets
(Rs.cr)
Jun-12
3mth
(%)
6mth
(%)
1yr
(%)
3yr
(%)
5yr
(%)
HDFC Equity Fund (G) Rank2 9,718.17 -3.2 -0.95 -11.4 34.3 47.0
Reliance Growth Fund - RP (G) Rank3 5,484.01 -5.1 -1.95 -10.3 17.2 27.9
ICICI Pru Dynamic Plan (G) Rank2 3,977.36 -0.5 0.45 -5.4 38.2 40.4
UTI Dividend Yield Fund (G) Rank2 3,540.93 -0.2 -0.55 -6.7 36.7 67.3
Reliance Equity Oppor - RP (G) Rank1 3,458.10 -0.2 7.55 -1.0 69.7 57.2
Reliance RSF - Equity (G) Rank3 2,792.24 -1.5 2.55 -10.6 19.2 53.6
SBI Magnum Contra Fund (G) Rank5 2,662.80 -2.3 2.25 -9.2 5.4 15.3
Reliance Vision Fund - RP (G) Rank4 2,104.92 -3.4 -0.95 -10.8 16.7 11.9
UTI Equity Fund (G) Rank1 1,973.17 -- 3.15 -2.9 36.2 51.4
Franklin India Prima Plus (G) Rank2 1,777.59 -0.8 1.35 -5.0 29.8 34.2
Franklin (I) Flexi Cap (G) Rank3 1,629.56 -1.5 -1.75 -8.5 24.2 26.4
Morgan Stanley Growth (G) Rank4 1,207.93 -1.9 1.45 -10.5 9.4 -2.7
DSP-BR Equity Fund - RP (D)Not
Rank 1,192.81 -5.3 -1.65 -10.4 28.5 42.9
HDFC Growth Fund (G) Rank2 1,189.22 -1.7 -1.65 -6.4 33.2 40.4
DSP-BR Equity Fund - RP (G) Rank3 1,179.55 -5.3 -1.65 -10.3 28.7 43.3
http://www.moneycontrol.com/mutual-funds/nav/hdfc-equity-fund/MZU001http://www.moneycontrol.com/mutual-funds/nav/hdfc-equity-fund/MZU001http://www.moneycontrol.com/mutual-funds/nav/reliance-growth-fund-retail-plan/MRC008http://www.moneycontrol.com/mutual-funds/nav/reliance-growth-fund-retail-plan/MRC008http://www.moneycontrol.com/mutual-funds/nav/icici-prudential-dynamic-plan/MPI038http://www.moneycontrol.com/mutual-funds/nav/icici-prudential-dynamic-plan/MPI038http://www.moneycontrol.com/mutual-funds/nav/uti-dividend-yield-fund/MUT070http://www.moneycontrol.com/mutual-funds/nav/uti-dividend-yield-fund/MUT070http://www.moneycontrol.com/mutual-funds/nav/reliance-equity-opportunities-fund-retail-plan/MRC089http://www.moneycontrol.com/mutual-funds/nav/reliance-equity-opportunities-fund-retail-plan/MRC089http://www.moneycontrol.com/mutual-funds/nav/reliance-regular-savings-fund-equity-option/MRC098http://www.moneycontrol.com/mutual-funds/nav/reliance-regular-savings-fund-equity-option/MRC098http://www.moneycontrol.com/mutual-funds/nav/sbi-magnum-contra-fund/MSB010http://www.moneycontrol.com/mutual-funds/nav/sbi-magnum-contra-fund/MSB010http://www.moneycontrol.com/mutual-funds/nav/reliance-vision-fund-retail-plan/MRC001http://www.moneycontrol.com/mutual-funds/nav/reliance-vision-fund-retail-plan/MRC001http://www.moneycontrol.com/mutual-funds/nav/uti-equity-fund/MUT009http://www.moneycontrol.com/mutual-funds/nav/uti-equity-fund/MUT009http://www.moneycontrol.com/mutual-funds/nav/franklin-india-prima-plus-fund/MKP003http://www.moneycontrol.com/mutual-funds/nav/franklin-india-prima-plus-fund/MKP003http://www.moneycontrol.com/mutual-funds/nav/franklin-india-flexi-cap-fund/MTE078http://www.moneycontrol.com/mutual-funds/nav/franklin-india-flexi-cap-fund/MTE078http://www.moneycontrol.com/mutual-funds/nav/morgan-stanley-growth-fund/MMS001http://www.moneycontrol.com/mutual-funds/nav/morgan-stanley-growth-fund/MMS001http://www.moneycontrol.com/mutual-funds/nav/dsp-blackrock-equity-fund-regular-plan/MDS003http://www.moneycontrol.com/mutual-funds/nav/dsp-blackrock-equity-fund-regular-plan/MDS003http://www.moneycontrol.com/mutual-funds/nav/hdfc-growth-fund/MHD001http://www.moneycontrol.com/mutual-funds/nav/hdfc-growth-fund/MHD001http://www.moneycontrol.com/mutual-funds/nav/dsp-blackrock-equity-fund-regular-plan/MDS078http://www.moneycontrol.com/mutual-funds/nav/dsp-blackrock-equity-fund-regular-plan/MDS078http://www.moneycontrol.com/mutual-funds/nav/dsp-blackrock-equity-fund-regular-plan/MDS078http://www.moneycontrol.com/mutual-funds/nav/hdfc-growth-fund/MHD001http://www.moneycontrol.com/mutual-funds/nav/dsp-blackrock-equity-fund-regular-plan/MDS003http://www.moneycontrol.com/mutual-funds/nav/morgan-stanley-growth-fund/MMS001http://www.moneycontrol.com/mutual-funds/nav/franklin-india-flexi-cap-fund/MTE078http://www.moneycontrol.com/mutual-funds/nav/franklin-india-prima-plus-fund/MKP003http://www.moneycontrol.com/mutual-funds/nav/uti-equity-fund/MUT009http://www.moneycontrol.com/mutual-funds/nav/reliance-vision-fund-retail-plan/MRC001http://www.moneycontrol.com/mutual-funds/nav/sbi-magnum-contra-fund/MSB010http://www.moneycontrol.com/mutual-funds/nav/reliance-regular-savings-fund-equity-option/MRC098http://www.moneycontrol.com/mutual-funds/nav/reliance-equity-opportunities-fund-retail-plan/MRC089http://www.moneycontrol.com/mutual-funds/nav/uti-dividend-yield-fund/MUT070http://www.moneycontrol.com/mutual-funds/nav/icici-prudential-dynamic-plan/MPI038http://www.moneycontrol.com/mutual-funds/nav/reliance-growth-fund-retail-plan/MRC008http://www.moneycontrol.com/mutual-funds/nav/hdfc-equity-fund/MZU0017/28/2019 Reliance Growth Fund Project
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DIVIDEND HISTORY
Record Date Rate (Re/Unit) Cum Dividend
NAV
*Ex- Dividend
NAV
21-Mar-00 10.00 40.89 30.90
18-Feb-03 2.00 22.61 20.67
18-Jul-03 3.00 27.96 24.47
9-Oct-03 3.00 34.67 31.80
18-Dec-03 6.00 41.1 35.28
12-Mar-04 7.50 34.67 27.17
19-Oct-04 3.00 33.61 30.37
24-Dec-04 2.50 37.34 34.91
29-Mar-05 5.00 36.21 31.80
19-Dec-05 3.00 50.83 47.63
29-Mar-06 7.50 57.77 50.90
30-Oct-06 2.50 55.58 53.08
12-Mar-07 7.50 54.09 47.16
17-Aug-07 3.50 54.72 52.04
19-Mar-08 6.50 54.53 47.42
20-Mar-09 2.00 29.72 28.60
31-Oct-09 5.00 53.40 46.98
30-Mar-10 2.50 56.29 53.84
24-Mar-11 4.00 53.76 50.61
23-Mar-12 2.00 48.98 46.35
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Past performance may or may not be sustained in future;
Dividend distribution is subject to availability & adequacy ofdistributable surplus.
The Mutual Fund is not assuring that itwill make periodical dividend distributions, though it
has everyintention of doing so. After the payment of dividend, the per unitNAV falls to the
extent of the dividend payout and distributiontaxes, if any. Performance of dividend
plan/option would be netof applicable statutory levy, if any Face value of Rs.10.
* NAV on the 1st transaction day after Record Date, whichincludes the mark to market
impact also.
NAV as at June 29, 2012 (Rs.) 421.8321
Performance of Reliance Growth Fund - Retail Plan - Growth Option as on 29/06/2012
Date NAV
Per Unit
(Rs.)
Scheme
Returns
(%)
Benchmark
Returns
#(%)
Additional
Benchmark
Returns
##(%)
Current Value of Standard
Investment of Rs 10000 in the
Scheme
(Rs)
Benchmark
# (Rs)
Additional
Benchmark
## (Rs)
Since inception till June29,2012 10.0000 25.05 10.79 9.89 421,832 55,570 48,439
une 29, 2011 to June 29, 2012 47.6087 -5.76 -6.53 -6.76
N.A.
une 29, 2010 to June 29, 2011 56.683 -1.99 4.02 6.61
une 29, 2009 to June 29, 2010 332.5021 37.35 20.61 18.59
Since Inception Date - 08/10/1995 # Benchmark - BSE 100 ## Additional BenchmarkBSE SENSEX
Past performance may or may not be sustained in future and the same may not
necessarily provide the basis for comparison with other investment. Since inception returns
(wherever provided) is computed on Compounded Annualized Growth Returns (CAGR)
basis. For Scheme(s)which has completed more than 3 years, point to point returns for twelve
month periods for last 3 years is provided basis the last day of thecalendar quarter and are
computed on absolute basis. In case the scheme(s) which is in existence for more than 1 year
but less than 3 years point to point returns is provided for as many period as possible, suchperiod being counted from the last day of the calendar quarter and arecomputed on absolute
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basis. Further (wherever applicable), Returns for 7 days, 15 days and 30 days are computed
on a simple annualized basis Performance of dividend option would be Net of Dividend
distribution tax, if any. Since inception returns are based on first declared NAV Faceof value
of scheme is Rs.10/- per unit. Face of Value of Reliance Money Manager Fund is Rs.1000/-
per unit. Face value of Reliance GoldExchange Traded Fund is Rs.100 per unit. In case, the
start/end date of the concerned period is non-business day (NBD), the NAV of the
previousdate is considered for computation of returns.
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SPECIAL FEATURE:Reliance Any Time Money Card
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CONCLUSION
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CONCLUSION
Mutual Fund investment is better than other raising fund. Reliance Mutual Fund have good returns in investment Reliance Vision Fund. A good brand is always welcomed over here people are more aware and conscious for
the brand so they go for they are ready to spend some extra bucks for the quality. At last all can be concluded by that Reliance Money is still growing industry in India
and is still exploring its potential and prospects in here.
The expectations of the customers are regularly increasing because of the increasingcompetition and emergence of global market.
In such conditions it becomes very necessary for a company to fulfill all theexpectations of the customers and give them a delightful experience.
Though reliance money is working very hard in order to do so but there is a gap
between the expectations and the experiences of the customers which is widening
regularly.
This gap has emerged because of the sales oriented focus of reliance mutual fund. In order to increase the sales figures, the company has somewhere ignored the service
delivery and left the customer on his own. In order to fill this gap, company needs to
customize its services as it is dealing into financial instruments.
These financial instruments are risky and it is very essential to make the customer feelthat you are taking care of his money.
This can be done only if all the services are customized and the system is madetransparent for the customer as well as for the employees.
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LIMITATION
The time constraint was one of the major problems. People are reluctant towards giving response and take it as a waste of time. Taking appointments was very tough as people were not ready to give their time for a
survey. Cold callings were not entertained everywhere and thus we were not able to meet all
the classification of customers.
Because of the temporary fluctuations in the market it was a tough time talking to thepeople regarding investments.
People were reluctant towards the products of reliance because of a general perceptionthat reliance always comes with low price but always has hidden charges.
Language was a hurdle while talking to many of the local people.
Though these limitations were there but because of the support of the people I havesurveyed and the experience I have gained while preparing for the survey
presentations of my college, I was able to complete the survey and prepare my project
report much before the deadline.
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RECOMMENDATIONAND
SUGGESTION
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RECOMMENDATIONS AND SUGGESTIONS
After analyzing all the expectations of the customers and the experience they basically get
while using the product we can a gap between the expectations and the experience. This gapneeds to be filled before it starts bringing in some adverse consequences. To fill this gap I
have come up with some recommendations and suggestions which can help the company
satisfy their customers better. These suggestions are listed below:-
1) Though reliance money is having a very good and well trained sales staff which isable to bring in customers but it is very necessary to build relationship with the
customers to keep them retained. Company should train its employees regarding
relationship management so that the products can be personalized according to the
needs of the customers.
2) Most of the customers trade via the online platform of the company and not from theoffice therefore company should start a system of filling up of feedbacks and
complaints online so that rectification of errors can be done easily.
3) Many of the customers are not in touch of company but actually deal with franchiseesand remises. These are untrained people and are unaware of the importance of
relationship. Company should start a kind of soft skill training program for all of its
distributors so that the customers feel the same level of satisfaction as they feel while
transacting with the company.
4) As seen in the qualitative analysis, many people dont trade or invest because theydont have any knowledge regarding the market. Company should start a free of cost
training program for these kinds of customers.
5) Though the sales staff is very effective but reliance money is lacking behind inoperational effectiveness. Company should take a note on this.
6) Motivational programs should be conducted in order to increase the efficiency of thecustomers.
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QUESTIONNAIRE
A study of preferences of the investors for investment in mutual funds.
1.What kind of investments you prefer most? Pl tick (). All applicable
a. Saving account b. Fixed deposits c. Insuranced. Mutual Funde. c. Post Office-NSC, f. Shares/Debenturesg. Gold/ Silver h. Real Estate I. PPF j. PF
2. While investing your money, which factor you prefermost? Any one
a.Liquidity b. Low Risk c.High Return d.Company reputation
3. Have you ever invested your money in mutual fund?
a.Yes b.No
If yes,
a)Where do you find yourself as a mutual fund investor?
Totally ignorant [ ]Partial knowledge of mutual funds [ ]Aware only of any specific scheme in which you invested [ ]Fully aware [ ]
b)In which kind of mutual you would like to invest?
Public [ ]Private [ ]
c.) how do you come to know about Mutual Fund?
a. Advertisement b.Peer Group c. Banks d. Financial Advisors
d)Which mutual fund scheme have you used?
a.Open-endedb.Close-endedc.Liquid fundd.Mid- Cap
e.Growth fundf.Regular Income fund
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g.Long-Cap Sector fund
If no,a)If not invested in Mutual Fund then why?
Not aware of MF Higher risk Not any specific reason
4. which feature of the mutual funds allure you most?
Diversification [ ]Better return and safety [ ]Reduction in risk and transaction cost [ ]Regular Income [ ]Tax benef it [ ]
5. In which Mutual Fund you have invested? Please tick (). All applicable.
a. SBIMF b. UTI c. HDFC d. Reliance e. ICICI prudential fundsf. JM mutual fund g. Other. Specify
6. When you invest in Mutual Funds which mode of investment will you prefer?
a. One Time Investment b. Systematic Investment Plan (SIP)
7. Where from you purchase mutual funds?
Directly from the AMCs [ ]Brokers only [ ]Brokers/ sub-brokers [ ]Other sources [ ]
8. Which AMC will you prefer to invest?
Assets Management Co.a.SBIMF
b. UTIc. Relianced.HDFC
e. Kotakf. ICICIg. JM finance
Which sector are you investing in mutual fund sector?
i.Generalii.Oil and petroleum
iii.Gold fundiv.Diversified equity fund
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v.Power sectorvi.Debt fundvii.Banking fund
viii.Real estate fund
10. How would you like to receive the returns every year?
a. Dividend payoutb. Dividend re-investmentc. Growth in NAV
11.Personal Details:
(a). Name:-(b). Add: -Contact No:-(c). Age:-(d). Qualification:-(e). Occupation.
Pl tick ()
Govt. SecPvt. Sec
BusinessAgricultureOthers
(g). What is your monthly family income approximately? Pl tick ().
Up toRs.10,000Rs. 10,001 to15000Rs. 15,001 to20,000Rs. 20,001 to30,000
Rs. 30,001 andaboveGraduation/PG Under Graduate Others
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BIBLIOGRAPHY
News Paper
Business Standard Economic Times Green Line The Financial Times
Journals
Reliance fact sheet Annual Report 2011-12
Magazines
Dalal Street Capital Market
Bibliography
www.google.com www.moneycontrol.com www.amfiindia.com
http://www.google.com/http://www.google.com/http://www.moneycontrol.com/http://www.moneycontrol.com/http://www.amfiindia.com/http://www.amfiindia.com/http://www.onlineresearchonline.com/http://www.amfiindia.com/http://www.moneycontrol.com/http://www.google.com/Top Related