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Thanks To:

 Mr. Shreyas Kasa

 Mr. Satyapal

 Mr. N.P Singh

 Mr. R.P Rustagi

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 Leading NBFC in India.
 More than 50 yrs Old.
 Core business is vehicle finance.
 Founded by Late Sri T.S.Santhanam, son of
Late Sri T.V.Sundaram Iyengar, an icon of
entrepreneurship in South India.

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◦ Sundaram Mutual
◦ Sundaram Home
◦ Royal Sundaram Alliance Insurance
◦ Sundaram Infotech Solutions
◦ Sundaram Business Services
◦ Sundaram Direct – as a division of Sundaram Finance

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 Vehicle finance
 Home loans
 Insurance – Life & General
 Mutual fund investment options
 Loans for Small Industries Development
 Fixed Deposits.

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Primary objectives:

 Compare of investment in ULIP plans with Mutual Funds.

Secondary objectives:

 To study the investment patterns of the consumer in Financial

Products.

 To know the customer awareness about ULIPS and Mutual Funds

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Type of Research – Exploratory Research

Size of sample: 100 respondents

Area of research study: DELHI & N.C.R

Sampling procedure: Convenient sampling

METHOD FOR DATA COLLECTION

Primary Data:

Procedure of data collection: Survey

Tools for data collection: Questionnaire

Secondary Data:

Information Brochures, Web Sites

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Sundaram Finance tied up with

Life insurance corporation India

SBI Life insurance company

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 A mutual fund is a company that brings together
money from many people and invests it in stocks,
bonds or other assets.

 Mutual funds offer professional management and

invest in many shares thereby diversifying the
risks.

 Each Mutual Fund scheme has a defined

investment objective and strategy.

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 The structure of mutual funds in India is governed by
the SEBI (Mutual Fund) Regulations, 1996.

 A compulsory ‘three-tier’ structure of Sponsor-Trustee-

Asset Management Company(AMC).

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MUTUAL FUNDS

Mutual funds are investment companies that pool money from investors at
large and offer to sell and buy back its shares on a continuous basis and
use the capital thus raised to invest in securities of different companies.

ULIPS

ULIP stands for Unit Linked Insurance Plan. It provides for life insurance
where the policy value at any time varies according to the value of the
underlying assets at the time. ULIP is life insurance solution that provides
for the benefits of protection and flexibility in investment. The investment is
denoted as units and is represented by the value that it has attained called
as Net Asset Value (NAV).

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 h e lp s u in m a k in g in v e s tm e n t d e c is io n s

Options Frequency Percent Cumulative jo u rn a l

Percent re fre n c e g ro u p
te le v is io n
new spaper
Journal 4 4 4 b ro k e r
in flu e n c e r

Reference 20 20 24
group
Television 4 4 28

Newspaper 2 2 30

Broker 65 65 95
Influencer 5 5 100

Total 100 100 100

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14
 
Investment Frequency Percent Cumulative
percent
Generally Invest

insurance
stock market

Insurance 22 22 22
mutual fund
fixed deposits
other

Stock 10 10 32
Market
Mutual 24 24 56
Fund
Fixed 34 34 90
Deposits
Others 10 10 100
Total 100 100 100

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 preference

insurance
mutual funds
Investment Frequency Percent Cumulative traditional or ULIPS

Percent

Insurance 36 36 36

Mutual 54 54 90
Funds
Tradition 10 10 100
al or
ULIPS
Total 100 100 100

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 bestlic

Investment Frequency Percent Cumulative HDFC

SBI life

Percent LIC
TATA AIG
Any other

HDFC 10 10 10
SBI LIFE 18 18 28

LIC 62 62 90
TATA 6 6 96
AIG
ANY 4 4 100
OTHER

TOTAL 100 100 100

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Options FrequencyPercent Cumulative
Percent

Always 15 15 15

Sometimes 20 20 35

Often 25 25 60

Never 40 40 100

Total 100 100 100

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 Are you aware about ULIP plans of life insurance companies?

Options Frequency Percent Cumulative yes

Percent no

Yes 58 58 58

No 42 42 100

Total 100 100 100

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 H av e yo u e ve r in v e s te d y o u r fu n d s in U L IP ?

yes
no

Options Frequency Percent Cumulative

Percent

Yes 63 63 63

No 37 37 100

Total 100 100 100

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 A re y o u a w a re a b o u t M u tu a l F u n d s ?
Options Frequency Percent Cumulative
Percent
yes
no

Yes 78 78 78

No 22 22 100

Total 100 100 100

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 H ave yo u ever invested your fun ds in M utu al Fu nd s?

yes
Options Frequency Percent Cumulative no
Percent

Yes 69 69 69

No 31 31 100

Total 100 100 100

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 re in v e s t

U L IP
M u tu a l fu nd

Options Frequency Percent Cumulative

Percent

ULIPS 30 30 30

Mutual 70 70 100
funds

Total 100 100 100

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 factor

risk coverage
return
liquidity
tax saving

Options Frequency Percent Cumulative

Percent

Risk 24 24 24
coverage

Return 38 38 62
Liquidity 14 14 76

Tax 24 24 100
Saving
Total 100 100 100

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1. The sample size is very less, hence the responses of just 100 respondents
does not imply for the complete population.

2. There was lack of time and resources that prevented from carrying out an in
depth study.

3. The findings of the survey are based on the subjective opinion of the
respondents and there is no way of assessing truth of the statements.

4. There is some respondent’s biasness which cannot be removed.

5. Lastly, some amount of error exists in the data filling process because of the
following reasons:
 Influence of others.
 Misunderstanding of the concept.
 Urgency at time of filling up of questionnaire.

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 ULIP plans are beneficial from the long term perspective
whereas customer should invest in mutual funds if he
wants quick returns.

 Most of the market is still unaware about the ULIP plans

and hence by making proper promotional strategy
companies can increase their sales.

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 Need-based Positioning.

 Variety-based Positioning.

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