PRESENTATION ON
Summer Internship
Project
"A Study on Investors’
Behavior Towards Systematic
Investment Plans as a Saving
Alternative"
Conducted at SPRIHA DISTRIBUTORS
PREPARED BY:
PVT. LTD. PATEL ARPANKUMAR
(237550592088)
MBA- FINANCE
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Overview of the Industry
1. Importance to the Economy:
Capital allocation and management of financial risks.
Facilitates economic growth by connecting savers with
borrowers.
Supports investment, entrepreneurship, and consumption.
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Overview of the Industry
Key Sectors in Financial Services:
1. Banking:
Retail and commercial banking for individuals and businesses.
2. Investment Banking:
Raising capital, M&A advisory, and strategic corporate services.
3. Asset Management:
Managing portfolios through mutual funds, ETFs, etc.
4. Brokerage & Trading: Facilitating securities buying/selling.
5. Financial & Advisory Services: Retirement, tax, and estate
planning.
6. Regulatory & Compliance:
Ensuring fair practices and consumer protection.
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Spriha Distributors Pvt. Ltd.
Company Overview
Company Overview:
• Founded: July 19, 2017
• Head Office: Godhra, Gujarat
• Type of Industry: Investment Banking, Asset
Management, Security Broking
• Designated Director: Prashant Patel
Vision:
Lead by customer satisfaction, striving for
excellence, and creating value for
stakeholders.
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Services Offered by
Spriha Distributors Pvt. Ltd.
INVESTMENT BANKING:
Private equity, risk management
Asset Management:
Portfolio design for risk and capital preservation.
Wealth Management:
Comprehensive financial planning.
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Introduction of the Study
Topic:
A Study on Investors’ Behavior Towards Systematic
Investment Plans as a Saving Alternative.”
Purpose:
Understand investor preferences for SIPs and their benefits
over other investment options.
Scope:
Focuses on small, consistent investments and how SIPs help
achieve long-term financial goals.
Literature on Mutual Fund 7
Investment Preferences and
Behavior
STUDY FOCUS KEY FINDINGS
Senthil. K Investor behavior Awareness improves decision-making;
and towards mutual suggested using Q&A for investor
Maruthamutu fund education.
(2010)
Ujjwal M and Performance of Birla Sun Life outperformed others;
Vinod Peerapur various AMCs emphasized assessing fund
(2016) performance.
Dimple Batra SIPs vs lump-sum Traditional options preferred; younger
(2012) investments investors more open to SIPs.
Jaspal Singh Investor
Gold and NSC schemes preferred;
and Subash preferences for
younger investors favored equity-
Chander mutual funds
oriented funds.
(2006)
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Objectives of the Study
Understand SIP as an Alternative Investment Strategy:
Explore SIP as a systematic investment option compared to
traditional methods.
Assess Awareness Among Investors:
Measure investor awareness regarding mutual fund investments
through SIP.
Analyze Influencing Factors on Investment Decisions:
Identify factors influencing investor perceptions and decision-
making in SIPs.
Compare Investor Attitudes Towards SIPs vs Other
Investments:
Compare the attitudes of investors towards SIPs in relation to
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Research Methodology
Research Approach:
1. Quantitative Research method,
2. Descriptive study design.
Sample Size: A total of 106 responses were collected
Sampling Area:
Data was collected from smaller areas within Godhra city to
ensure a comprehensive representation of the population.
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Data Analysis
Particulars No. of
response
Diversification 38
Better return & safety 24
Reduction in cost &risk 11
Regular income in future 24
Tax benefit 9
total 106
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Data Analysis
PARTICULARS No. of response
FINANCIAL ADVISORS 32
ONLINE PLATFORMS 21
NEWSPAPER 12
NEWS CHANNELS 11
FRIENDS/FAMILY 16
SOCIAL MEDIA 14
TOTAL 106
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Data Analysis
Particular No. of response
Self managed 34
By financial advisor 63
Combination of both 9
total 106
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Data Analysis
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Data Analysis
SIP Performance Perception:
• Satisfaction Levels:
• 73% of respondents agree that SIPs help achieve
financial goals effectively.
• 65% find SIPs convenient for regular investing.
• Clarity of Information:
• Majority agree that fund houses provide clear and
transparent information about SIPs.
SIPs are seen as reliable and transparent investment
options for wealth creation.
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Findings of the study
1. Young professionals dominate SIP participation.
2. Postgraduates and individuals earning above ₹7,00,000
are primary adopters.
3. Diversification is the leading objective for SIP investors.
4. Financial advisors significantly impact SIP adoption.
5. SIPs are valued for transparency, ease of management,
and risk mitigation.
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Conclusion of the study
On SIP Investments and their impact:
1. Disciplined Approach: Regular savings and long-term
wealth creation, reducing market volatility impact.
2. Need for Awareness: Increased financial literacy is
crucial to maximize mutual fund benefits.
3. Empowering Investors: Ideal for first-time and salaried
investors, fostering financial independence.
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Suggestions from the study
For Enhancing SIP Awareness and Investment Education:
1. Financial Education: Integrate finance and investment
education into school curricula to build future financial literacy.
2. Awareness Campaigns: Organize workshops and marketing
to educate the public on SIPs, mutual funds, and long-term
benefits.
3. Personalized Advice: Provide tailored financial guidance to
help investors make informed choices based on goals and risk
tolerance.
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Contribution of Study
1. Investor Insights:
Provides valuable understanding of investor perceptions and
behaviors towards SIPs.
2. Targeted Strategies:
Helps identify factors influencing decisions and awareness gaps for
more effective marketing.
3. Promoting Financial Literacy:
Supports the growth of the mutual fund industry by emphasizing
investor education and trust.
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References
1. [Link]
PRIVATELIMITED/U65929GJ2017PTC098355
2. [Link]
3. Senthil, K., & Maruthamutu, R. (2010). Investors' behavior
towards mutual fund investment: A study in Dharampuri. Int. J.
Marketing, Fin. Serv. & Mgmt. Res., 1(6), 30-44.
4. Ujjwal, M., & Peerapur, V. (2016). Performance evaluation of mutual
funds: A comparative analysis of Birla Sun Life Mutual Funds and other
AMCs. Int. J. Bus. & Mgmt., 11(4), 77-92.
5. Batra, D. (2012). Systematic Investment Plan (SIP) vs lump-sum
investment: A comparative analysis. Int. J. Res. in Mgmt. & Tech., 2(1), 24-
29.
6. Singh, J., & Chander, S. (2006). Investors' preferences for investments
in mutual funds: A study of Indian investors. J. Serv. Res., 6(2), 103-114.
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THANK YOU
SIPs are a disciplined path to wealth creation.
