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FINANCIAL PERFORMANCE OF SELECTED MUTUAL FUNDS IN INDIA

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2010-07-13
Ramachandra Reddy, B. M.
University of Agricultural Sciences, Bangalore
109
FINANCIAL PERFORMANCE OF SELECTED MUTUAL FUNDS
M.B.A.

Unit trust of India was the first government organization that entered into the portals of new investment avenue called Mutual Fund. The Mutual fund industry in India saw a robust growth and currently hold the portfolio of assets worth Rs.8,07,546. The study is based on primary and secondary data. The primary data was collected from investors across Bangalore city through structured schedule. The secondary data related to Net Asset Values and returns was collected from the websites amfi.com and rediffmoney.com. It focused on the return on investment from various investment options, Viz., mutual funds, stocks, bullion and bank fixed deposits, classified under risk-return criteria by grouping under high risk-high return, medium risk-medium return and low risk- low return categories. The analysis is being carried out by taking rupees one lakh investment for the period of one year. The rate of return of mutual funds is very high (99.37%) in the high risk-high return category when compared to index based stocks [NSE (44.12%) & BSE (45.42%)], gold (21.98%), silver (32.71%) and bank fixed deposits (7.75%). In the medium risk-medium return category, the rate of return of mutual funds is slightly lower (37.96%) than the stocks but higher than the bullion i.e. gold, silver and bank fixed deposit. In the low risk-low return category the rate of return of mutual funds is lower (34.25%) than stocks and gold but higher than silver and bank fixed deposit. The investors’ perception towards the mutual funds is encouraging since most of the young, qualified and fixed income earners prefer to invest in mutual funds over other investment opportunities. Many investors are cautious and would like to invest bank promoted mutual funds. The drivers of mutual fund investments are tax benefits, capital appreciation, liquidity and risk insulation.

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