...A PROJECT REPORT ON Detail Study Of HDFC Mutual Fund Submitted For the partial fulfillment of the requirement for The Degree of MBA Submitted by: MD NABEEL Registration No. –070651940 MBA –IV Trimester SESSION (2007-2009) INTERNAL GUIDE JYOTSHNA RAI IIPM - School Of Management BIJU PATNAIK UNIVERSITY OF TECHNOLOGY ROURKELA, ORISSA. DECLARATION I do hereby declare that the project entitled “DETAIL STUDY OF HDFC- MUTUAL FUND” submitted as a part of the requirement for the partial fulfillment of Master of Business Administration at BIJU PATNAIK UNIVERSITY OF TECHNOLOGY, ORISSA is an original piece of work done by me under the guidance of • Mr Manmohan Mohapatra (Branch manager) • Mr Sanket Swaroop • Mr Vikash Gupta. At HDFC Mutual Fund , Rourkela has not been submitted for award of any degree else where in part or full. Name:-Md Nabeel Regd :-0706519040 [pic] certificate of the Guide This is to certify that the work entitled “DETAIL STUDY OF HDFC- MUTUAL FUND” is a piece of Summer Project Report done by MD NABEEL, student of MBA IV Trimester IIPM SCHOOL OF MANAGEMENT, Kansbahal , Rourkela bearing Reg. No 0706519042 under my guidance and supervision for partial fulfillment of MBA curriculum of BIJU PATNAIK UNIVERSITY...
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...INVESTMAP Fact Sheet for June 2012 Toll Free 1800 425 5959 www.sundarammutual.com SMS SFUND to 56767 Email service@sundarammutual.com Sundaram Mutual Fund Track Record Equity Funds Fund / Benchmark Satish Ramanathan Sundaram Select Mid Cap BSE Mid Cap Index S&P CNX Nifty Index Srividhya Rajesh Sundaram Select Focus S&P CNX Nifty Index S&P CNX Nifty Index Sundaram Capex Opportunities BSE Capital Goods Index S&P CNX Nifty Index Sundaram Equity Plus S&P CNX Nifty(65%) & Price of Gold in INR(35%) S&P CNX Nifty Index J Venkatesan Sundaram Growth Fund BSE 200 Index S&P CNX Nifty Index Sundaram India Leadership S&P CNX Nifty Index S&P CNX Nifty Index Sundaram Financial Opportunities CNX Banks Index S&P CNX Nifty Index Sundaram Rural India BSE 500 Index S&P CNX Nifty Index Sundaram Entertainment Opportunities CNX Media Index S&P CNX Nifty Index Sundaram PSU Opportunities CNX PSE Index S&P CNX Nifty Index S Krishnakumar Sundaram SMILE Fund CNX Mid Cap Index S&P CNX Nifty Index Sundaram Energy Opportunities BSE Oil & Gas Index S&P CNX Nifty Index Sundaram Equity Multiplier S&P CNX 500 Index S&P CNX Nifty Index Jointly Managed by Srividhya Rajesh and S Bharath Sundaram Balanced Fund CRISIL Balanced Fund Index S&P CNX Nifty Index Jointly Managed by Srividhya Rajesh and J Venkatesan Sundaram Tax Saver BSE 200 Index S&P CNX Nifty Index S Bharath Sundaram Global Advantage Fund MSCI Index CNX Nifty 30/06/11 30/06/10 ...
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...CHAPTER 1 INTRODUCTION INTRODUCTION Much of the empirical research on mutual funds has not given any significant contribution for the mutual fund investor. Unfortunately many mutual fund investor have probably never heard about these research results or their implications. They have heard some rules of thumb guidelines from their brokers or peers about how to select a particular fund. The purpose of this present study is to identify the selection criteria, investors seem to use in selecting a mutual fund institution that suits the investors investment objective and also to identify the factors that are responsible for the selection of schemes floated by these organisations. Further it attempts to identify the reactions from the respondents' namely mutual fund unit holders of Mysore towards the performance of the different schemes. The researcher has employed interview schedule for the collection of data to elicit views of the Mutual Fund investors. Individuals from all walks of life have been showing increasing participation in the stock market, a place where one can see their money doubling in a period of time or disappearing depending on how they play the game. With the stupendous growth in the capital market, direct investment in the stock market has definitely become next to impossible. And yet investors undertake investments with minimal risks of the working of stock exchanges. But in order that investments prove profitable; investors...
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... Mirae Asset India Opportunities Fund (An open ended equity oriented scheme) This product is suitable for investors who are seeking* l long-term capital appreciation l Investments in equities, equity related securities l High Risk (BROWN) (BLUE) investors understand that their principal will be at low risk (YELLOW) investors understand that their principal will be at medium risk (BROWN) investors understand that their principal will be at high risk *Investors should consult their financial advisers if they are not clear about the suitability of the product. Factsheet data as on 28th February, 2014 Style Box * Style Large Mid Small Blend Value Marketcap Growth Portfolio Top 10 Holdings Equity Shares Infosys Ltd ICICI Bank Ltd HDFC Bank Ltd ITC Ltd Housing Development Finance Corporation Ltd Tata Consultancy Services Ltd Reliance Industries Ltd Divis Laboratories Ltd Bharti Airtel Ltd Larsen & Toubro Ltd Other Equities Equity Holding Total Cash & Other Receivables Total Dividend History - Regular Plan Record Date 27-Jan-14 14-Mar-13 22-Mar-12 10-Dec-10 09-Sep-09 % allocation 8.23% 6.39% 5.03% 4.94% 4.19% 3.75% 3.51% 3.23% 2.88% 2.77% 51.36% 96.29% 3.71% 100.00% Key Information Fund Managers & Experience : Neelesh Surana: 17 years of experience in Financial Services including Fund Management & Gopal Agrawal: Over 12 years of experience in Fund Management & Both are Managing this fund since May 2008 & Apr 2008 respectvely. Allotment Date : 04th April, 2008 NAV...
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...India & Real State investment: A case study of Jaipur region” Submitted in partial fulfillment of PGDM program 2011-13 Submitted by: Harshit Jain 19/093 Corporate Mentor Mr Shantanu Mehra ( Channel Retail Sales Head) Faculty Mentor Mrs. Monica Arora (Assistant Professor) Apeejay School of Management New Delhi July 2012 SIP Project Report BY: Harshit Jain(harshitjain.asm@gmail.com) | 1 P age |2 CERTIFICATE This is to certify that the project work done on” Scope of investment in Real Estate in India & Real State investment: A case study of Jaipur region ” Submitted to Apeejay School of Management, Dwarka by Harshit Jain in partial fulfillment of the requirement for the award of PG Diploma in Business Management, is a bonafide work carried out by him/her under my supervision and guidance. This work has not been submitted anywhere else for any other degree/diploma. The original work was carried out during 14th may 2012 to 5th june 2012 in Customer First Concepts , Pvt. Ltd.( Currently working as a Marketing division of various townships in Jaipur region ). Date: Seal/Stamp of the Organization Name of the faculty Mentor SIP Project Report BY: Harshit Jain(harshitjain.asm@gmail.com) | 2 P age |3 Acknowledgements This summer internship project would not have been possible without the support of many people . I wish to express my sincere gratitude to my Faculty Mentor Mrs. Monica Arora & my Corporate Mentor Mr. Shantanu Mehra( channel retail sales...
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... SUBMITTED BY: AJEET KUMAR Enroll. No.: 8NBNG010 Summer Internship Program 2009 The MBA Program 2008-2010 ICFAI National College, SIP Centre Nagpur CERTIFICATE This is to certify that the Final Report on Executive Training with special reference to the company SHAREKHAN LIMITED submitted by AJEET KUMAR having Enrollment No. as 8NBNG010 during Semester-III of the M.B.A Program (Class of 2008-10) embodies original work done by her. His work has been satisfactory. Mr. Chirag Joshi Mrs. Parijad Dongure (Company Guide) (Faculty Guide) ACKNOWLEDGEMENT My due acknowledgement to all those people who have helped me during my SIP. This includes my respected Company Guide Mr. Chirag Joshi, Faculty Guide Mrs. Parijad Dongure, INC faculty, Office Personals, and Clients. My SIP would not have been possible without the guidance, support and encouragement provided by faculties and company people whose belief and confidence in me have enabled me to do this SIP successfully. My special recognition to ICFAI NATIONAL COLLEGE for allotting this task to me which opened a new door of knowledge for me. My special thanks to Mr. Chirag Joshi and all the people at Sharekhan for their help in developing...
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...SIP SIP works on the principle of regular investments. It is like your recurring deposit where you put in a small amount every month. It allows you to invest in a MF by making smaller periodic investments (monthly or quarterly) in place of a heavy one-time investment i.e. SIP allows you to pay 10 periodic investments of Rs 500 each in place of a one-time investment of Rs 5,000 in an MF. Thus, you can invest in an MF without altering your other financial liabilities. It is imperative to understand the concept of rupee cost averaging and the power of compounding to better appreciate the working of SIPs. What is Systematic Investment Plan or SIP? SIP works on the principle of regular investments. It is like your recurring deposit where you put in a small amount every month. It allows you to invest in a MF by making smaller periodic investments (monthly or quarterly) in place of a heavy one-time investment i.e. SIP allows you to pay 10 periodic investments of Rs 500 each in place of a one-time investment of Rs 5,000 in an MF. Thus, you can invest in an MF without altering your other financial liabilities. It is imperative to understand the concept of rupee cost averaging and the power of compounding to better appreciate the working of SIPs. SIP has brought mutual funds within the reach of an average person as it enables even those with tight budgets to invest Rs 500 or Rs 1,000 on a regular basis in place of making a heavy, one-time investment. While making small investments...
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...Commercial Bank Commercial bank: Commercial bank mostly deals with deposits and loans from corporations or large businesses. Famous Commercial Banks of Pakistan are Muslim Commercial Bank(MCB),United Bank,Habib Bank. Functions of Commercial Banks: The functions of a commercial banks are divided into two categories: - Primary functions - Secondary functions including agency functions. - Primary functions: The primary functions of a commercial bank include: - accepting deposits; and - granting loans and advances The role of commercial banks Commercial banks engage in the following activities: * processing of payments by way of telegraphic transfer, EFTPOS, internet banking, or other means * issuing bank drafts and bank cheques * accepting money on term deposit * lending money by overdraft, installment loan, or other means * providing documentary and standby letter of credit, guarantees, performance bonds, securities underwriting commitments and other forms of off balance sheet exposures * safekeeping of documents and other items in safe deposit boxes * sale, distribution or brokerage, with or without advice, of insurance, unit trusts and similar financial products as a “financial supermarket” * cash management and treasury services * merchant banking and private equity financing * traditionally, large commercial banks also underwrite bonds, and make markets in currency, interest rates, and credit-related...
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...continuously to achieve best practices. For example regarding axis bank : Profit after tax up 34.76% to `3,388.49 crores Net interest income up 31.14% to `6,562.99 crores Fee & other income up 32.39% to `4,135.16 crores Deposits up 33.93% to `189,237.80 crores Demand deposits up 17.78% to `77,767.40 crores Advances up 36.48% to `142,407.83 crores Retail assets up 33.32% to `27,759.23 crores Network of branches and extension counters increased from 983 to 1,390 Total number of atms went up from 4,293 to 6,270 Net npa ratio as a percentage of net customer assets down to 0.26% from 0.36% Earnings per share (basic) increased from `65.78 to `82.95 Proposed dividend up from 120% to 140% Capital adequacy ratio stood at 12.65% as against the minimum regulatory norm of 9% And also they must nurture a few core competencies to stay ahead of rivals. Eg. Rivals can quickly copy any market position and competitive advantage is at best temporary. For example, in the banking industry if any bank comes up with a new product or scheme or merges up with other or introduces cost cutting approaches other banks also follow them immediately and that particular scheme is then easily intimated by others. This act of banks copying/intimating one another leads to no form of a benefit to the parties concerned. It only leads to destructive competition or hyper competition. This situation ultimately makes a firm to shutdown operations. For example, Bank of Rajasthan getting acquired by ICICI...
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...A PROJECT REPROT ON MUTUAL FUNDS IN INDIA EXECUTIVE SUMMARY In few years Mutual Fund has emerged as a tool for ensuring one’s financial well being. Mutual Funds have not only contributed to the India growth story but have also helped families tap into the success of Indian Industry. As information and awareness is rising more and more people are enjoying the benefits of investing in mutual funds. The main reason the number of retail mutual fund investors remains small is that nine in ten people with incomes in India do not know that mutual funds exist. But once people are aware of mutual fund investment opportunities, the number who decide to invest in mutual funds increases to as many as one in five people. The trick for converting a person with no knowledge of mutual funds to a new Mutual Fund customer is to understand which of the potential investors are more likely to buy mutual funds and to use the right arguments in the sales process that customers will accept as important and relevant to their decision. This Project gave me a great learning experience and at the same time it gave me enough scope to implement my analytical ability. The analysis and advice presented in this Project Report is based on market research on the saving and investment practices of the investors and preferences of the investors for investment in Mutual Funds. This Report will help to know about the investors’ Preferences in Mutual Fund means Are they prefer any particular Asset Management Company...
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...the review of Portuguese banks loan books. At the same time, the transfer of the PF to the state led to a negative impact of Eur 6.8mn the bank's accounts. We see this as negative set of results: The evolution of NII, asset quality and provisions persist as a significant concern for the bank. As such, we expect to revise downwards our earnings estimates for BNF. Furthermore, capital prevails as the stock main caveat (CT1 ratio stood at 6.8%% in Dec11), with the possibility of the bank resorting to the Eur 12bn recapitalization fund available for Portuguese banks being mentioned by the bank in the FY11 earnings release. (-) CT1 ratio declined to 6.78%, from 8.0% in Sep, below the 9% threshold required by the BoP for YE11. All in all, the bank currently faces a Eur 382mn gap to the 10% CT1 required by the BoP by YE12 (394%% of current market cap). The bank highlighted that its parent company, Rentipar Financeira, is the company that need to comply with the minimum requirements imposed by the BoP. Still, in the FY11 press release, the bank stated that the group is considering all available options to meet with the capital requirements imposed by the regulator, among which the resort to the State recapitalization facility. RWAs declined 8% qoq, be driven by the bank's deleveraging efforts (gross loans to customers were down 2% qoq). (-) Provisions stood Eur 131mn above expectations, posting a significant qoq and yoy increase. This quarter, the bank booked Eur 90mn in...
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...Social Development Working Paper No.1 SOCIAL DEVELOPMENT ISSUES IN SECTOR WIDE APPROACHES Andrew Norton, Bella Bird May 1998 ISSN: 1462-8651 ISBN: 1 86192 042 3 The aim of the Working Paper series is to generate knowledge on social development that is pertinent to DFID’s goal of eliminating world poverty. It is hoped that the series will provoke new thought and discussion on issues of policy and practice rather than simply reflecting established ideas and positions. Social Development Division Department for International Development 94, Victoria Street London SW1E 5JL UK Tel: 44 (0) 171 917 7000 Fax: 44 (0) 171 917 0197 Email: sdd@dfid.gtnet.gov.uk DFID homepage: http://www.dfid.gov.uk Contents Executive Summary 1. 2. 3. Introduction Background - Sector Wide Approaches Issues in Sector Wide Approaches Defining the sector Who owns and who leads? Who is consulted and how? Centralisation vs. Decentralisation Projects vs. Programmes Changes in Development Practice Strengthening the Social Impact of Sector Wide Approaches Entry Points for Social Development Approaches Institutionalising Social Analysis in SWAps Strengthening Processes of Consultation & Participation in SWAps Strengthening Civil Society Capacity To Engage In Sector Policy And Programmes 4. 5. 6. Conclusions References Acknowledgements This paper has benefited greatly from comments on earlier drafts from Phil Evans, Rosalind Eyben, Charlotte Heath, Mick Foster, Peter Balacs, Julia...
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...The very nature of VoIP telephone calls being transmitted over the internet means that they are vulnerable to the same threats as other online data services. The use of VoIP telephones presents five prime areas of concern regarding security and they are described as follows: 4.1 Toll Fraud Toll fraud is an attempt by a hacker to gain unlawful remote access to a VoIP telephone system, usually through an open IP or SIP (Session Initiation Protocol) port. Successful attacks result in the hacker being able to make calls to premium numbers at the expense of the company. A toll fraud attack could potentially leave the company with an expensive telephone bill if the attack goes undetected. There are, however, measures which can be taken to try and prevent toll fraud attacks. Password protection is the first line of defence and a strong password consisting of numerals, capitals and lowercase letters is recommended. Staff should be trained to use secure passwords and ensure that they are changed regularly. The VoIP system should always be behind a firewall and encryption of voice data is also highly recommended....
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...Yujun Wu c a Department of Finance, School of Management, Fudan University, Shanghai 200433, China School of Accounting and Finance, Faculty of Business and Information Systems, Hong Kong Polytechnic University, Hung Hom, Kowloon, Hong Kong Special Administrative Region c Wealth Management Institute of Lujiazui, Shanghai 200122, China b a r t i c l e i n f o a b s t r a c t We investigate why the Chinese government chooses to perform share issue privatization (SIP) of its state-owned enterprises (SOEs) in Hong Kong, despite the benefit of facilitating the domestic stock market development if performing SIP in China (Subrahmanyam and Titman, 1999) and the higher cost to list in Hong Kong. We address this issue by arguing that the positive effect of SIPs on the development of the domestic market may have limitations, especially when the domestic market is not well developed and cannot absorb rapid and large-scale SIP activities. To maintain domestic market order, it may be optimal to carry out SIP in overseas markets. Furthermore, by listing shares in developed overseas markets, SOEs from the less developed countries could leverage on the overseas markets’ better accounting, governance, and legal standards. By examining a sample of 92 Chinese firms listed in Hong Kong and the relevant control samples of purely domestically listed Chinese firms during the period of 1993–2006, we find supporting evidence for both arguments. Ó 2012 Elsevier B.V. All rights reserved. Article...
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...Graded Assignments The following sections contain student copies of the assignments. These must be distributed to students prior to the due dates for the assignments. Online students will have access to these documents in PDF format, which will be available for downloading at any time during the course. Course Revision Table Change Date | Updated Section | Change Description | Change Rationale | Implementation Quarter | 11/04/2011 | All | New Curriculum | | December 2011 | | | | | | | | | | | | | | | | | | | | | | | | | | ------------------------------------------------- Graded Discussion/Assignment Requirements Discussion or Assignment Requirements documents provided below must be printed and distributed to students for guidance on completing the discussions and assignments and submitting them for grading. Instructors must remind students to retain all handouts and assignment documents issued in every unit, as well as student-prepared documentation and graded deliverables. Some or all these documents will be used repeatedly across different units. Unit 1 Assignment 1: Effects of Routing on Current Communication Methods Used by Organizations Learning Objectives and Outcomes * Explore the effects of routing on current communication methods used by organizations. Assignment Requirements The Johnson Company provides networking components and services. It sounds simple, but management knows it takes a lot of planning...
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