A Study on the Performance of Mutual Fund Schemes in the Frame Work of Risk and Return

Financial market’s main function is to facilitate transfer of funds from surplus sectors to deficit sectors. A financial market consists of investor or buyers, sellers, dealers and does not refer to physical location. Indian financial system consists of two markets, viz. money and capital market. The core of money market is the inter-bank call money market. It has two components - organised and unorganised.

Capital market provides the framework in which savings and investments take place. On one hand it enables companies to raise resources from the investing community and on the other, it facilitate households to invest their savings in industrial or commercial activities. The capital market consists of primary and secondary segments.

In primary market it deals with the issue of new instruments by the corporate sector such as equity shares, preference shares, and debentures. The secondary market or stock exchanges where existing Securities are traded. Capital market plays a major role in Indian financial system.
So, Equities & mutual fund is the part of capital market.

Mutual fund industry in India began with setting up of Unit Trust of India (UTI) in 1964 by the government of India. Now a day mutual fund is playing very important role in the industry. Investors will get the benefit of return, capital appreciation, tax benefits and safety to there investment and companies will get the capital for there growth.  Recently they have also started Systematic Investment Plan(SIP) with the help of this even small investors (minimum of Rs. 100)can start investing, by this even students can also invest in this fund. So, we came to know how this mutual fund works.

The saving of an individual are spread through different means of investment one of them is mutual fund which is a growing investment now a days because of diversified risk and lack of time to look after their money.


CONTENTS
EXECUTIVE SUMMARY
INTRODUCTION
Part A: About the Industry
Part B: About the Subject
RESEARCH DESIGN
Statement of the Problem
Objective of the Study
Sample design
Need for study
Scope of study
Research design
Operational definition of the concepts
Tools and techniques for data collection
Limitations of the Study
Overview of Chapter scheme
COMPANY PROFILE
Introduction
Objectives, vision, culture and  values
Strategy
Product profile
Competitors
DATA ANALDDATA ANALYSIS AND INTERPRETATION
SUMMARY OF FINDINGS, CONCLUSIONS, SUGGESTIONS AND RECOMMENDATIONS

BIBLIOGRAPHY

 

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A Study on Recruitment of Advisors and Sales of Financial Products Through Them and Collection of Desirable Premium

The liberalization of the Indian insurance sector has been the subject of much heated debate for some years. The policy makers where in the catch 22 situation wherein for one they wanted competition, development and growth of this insurance sector which is extremely essential for channeling the investments in to the infrastructure sector. At the other end the policy makers had the fears that the insurance premia, which are substantial, would seep out of the country; and wanted to have a cautious approach of opening for foreign participation in the sector.
As one of the rare occurrences the entire debate was put on the back burner and the IRDA saw the day of the light thanks to the maturing polity emerging consensus among factions of different political parties. Though some changes and some restrictive clauses as regards to the foreign participation were included the IRDA has opened the doors for the private entry into insurance.
Whether the insurer is old or new, private or public, expanding the market will present multitude of challenges and opportunities. But the key issues, possible trends, opportunities and challenges that insurance sector will have still remains under the realms of the possibilities and speculation. What is the likely impact of opening up India’s insurance sector?
The large scale of operations, public sector bureaucracies and cumbersome procedures hampers nationalized insurers. Therefore, potential private entrants expect to score in the areas of customer service, speed and flexibility. They point out that their entry will mean better products and choice for the consumer. The critics counter that the benefit will be slim, because new players will concentrate on affluent, urban customers as foreign banks did until recently. This seems to be a logical strategy. Start-up costs-such as those of setting up a conventional distribution network-are large and high-end niches offer better returns. However, the middle-market segment too has great potential. Since insurance is a volumes game. Therefore, private insurers would be best served by a middle-market approach, targeting customer segments that are currently untapped.

Contents:
EXECUTIVE SUMMARY
INTRODUCTION TO THE INDUSTRY
INTRODUCTION TO THE COMPANY
RECRUITMENT OF ADVISORS
SALES AND DISCRIPTION OF THE FINANCIAL PRODUCT
RECOMMENDATIONS
CHALLENGES IN LIFE INSURANCE SECTOR
BIBLIOGRAPHY

 

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A Study on Performance Evaluation of ICICI and SBI Using Fundamental and Technical Analysis

With the economy surging, things are getting better in the Banking Industry. There are plenty of changes occurs daily.
According to Reserve bank of India’s banking review of 2004 – 2005 there was a notable pick up in demand from industry for investments and a surge in exports. Evidently, the industry’s focus now is on scaling up both domestically and in markets abroad, widening the product and services port folio, and better using technology to make banking more accessible and efficient.
Most of researcher’s conclusion is, Whether or not the sectors actually opens up in 2009, banks should use that as an opportunity to get their growth strategies in place. Not Just through organic growth, but growth through mergers and acquisition.

What India need is not a large number of small banks, but a small number of large banks.
As the RBI’s deputy Governor, V.Leeladhar, said at Indian Banking Associations Jan 31 Seminar on “Indian Banks and the Global change” there is growing realization that the ability to cope with possible downside risks would depend among others on the soundness of the financial system and the strength of Individual participation”.India is still cagey about foreign investments in banks. Though a dramatic changes sweeping through the industry for some years now in the rise of India’s Public sector bank and private sector still it should fuel its grow to open up eyes towards open market.In this scenario, While we look at the sensex breach the 10,000 level for the first time it was yet another sign the India as a market for global liquidity had arrived. When,  We start co-relating the Gross Domestic product (GDP) growth of emerging markets are supposed to reflect the health of the economy where India emerges as a key player, India is arguably the best placed amongst the entire emerging market lot.
Form the Investors point of view earning growth, price-earning multiplies and of course the performance of the economy matters.

Contents:
Introduction
Company Profile
Product Profile
The Industry Growth
Background
Management
Shareholding & Liquidity
Key area of Operation
Strategy & New Developments
ICICI Profile
Chapter – 2
Scope of the study
Objective of the study
Period of the study
Limitation of the study
Methodology
Fundamental analysis
Economical  analysis
Industrial analysis
Banking Industrial analysis
Monitory Policy
CRR
Liquidity  Management
Indian Financial Sector SWOT analysis
Budget 2007 -2008 overview
Secure Banking
Key Ratio
Interpretation (SBI)
Interpretation (ICICI)
Chapter – 3
Technical analysis
ICICI Bank Outlook
SBIN Outlook
Finding
Suggestion

 

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A Study on Mutual Fund Companies in India with Special Reference to Reliance Mutual Fund and UTI Mutual Fund

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 their success emboldened the government to allow the private sector to foray into this area.
The advantages of mutual fund are professional management, diversification, 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 Manager’s and scheme track record, Cost factor etc.

There are many, many types of mutual funds. You can classify funds based Structure (open-ended & close-ended), Nature (equity, debt, balanced), Investment objective (growth, income, money market) etc.
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.

Contents:
COMPANY PROFILE
INTRODUCTION OF MUTUAL FUND
WORKING OF MUTUAL FUND
MUTUAL FUND IN INDIA
RELIANCE MUTUAL FUND vs. UTI MUTUAL FUND
MUTUAL FUND vs. OTHER INVESTMENT
FUTURE PROSPECT OF MUTUAL FUNDS IN INDIA
MUTUAL FUND JARGON
RESEARCH METHODOLOGY
FINDINGS AND SUGGESTION
CONCLUSION
QUESTIONNAIRE
BIBLIOGRAPHY

 

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A Study on Effectiveness of Employee Involvement and Work Environment in Hero Honda

“Hero” is the brand name used by the Munjal brothers in the year 1956 with the flagship company Hero Cycles. India's Hero Group and Japan’s Honda Motor Company merged in 19th Jan 1984. Japan has not only created the world's single largest two wheeler company but also one of the most successful joint ventures worldwide.
During the 80s, Hero Honda became the first company in India to prove that it was possible to drive a vehicle without polluting the roads. The company introduced new generation motorcycles that set industry benchmarks for fuel thrift and low emission. A legendary 'Fill it - Shut it - Forget it' campaign captured the imagination of commuters across India, and Hero Honda sold millions of bikes purely on the commitment of increased mileage. Over 19 million Hero Honda two wheelers tread Indian roads today. These are almost as many as the number of people in Finland, Ireland and Sweden put together.

Hero Honda has consistently grown at double digits since inception; and today, every second motorcycle sold in the country is a Hero Honda. Every 30 seconds, someone in India buys Hero Honda's top -selling motorcycle - Splendor. This festive season, the company sold half a million two wheelers in a single month-a feat unparalleled in global automotive history.

Chapter I – The Company
1.1 Company Profile
Chapter II – The Project
2.1 Purpose & Scope of study
2.2 Methodology
Chapter III – Collection & Analysis of Data
3.1 Data Collection
3.2 Data Analysis
Chapter IV – Findings & Recommendations
4.1 Calculations & Observations
4.2 Conclusion
4.3 Constraints / Limitations
4.4 Recommendations
4.5 Suggestions
Chapter V - Annexure
Chapter VI - Bibliography

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