Introduction to the Commercial transactions

Introduction to commercial transaction

1. COMMERCIAL TRANSACTION

2. TOPIC DIFFERENT MUTUAL FUND SCHEMES PRESENTED BY ( 22SM07BC016 ) FAIZAN SHAIKH (22SM07BC024) SANIYA SHAIKH (22SM07BC051) KHUSI BHATT (22SM07BC069) AAZIM PATHAN (22SM07BC075)SNEHA PAL SUBMITTED TO CS ANKIT SHAH

3. You can describe the topic of the section here INTRODUCTION IMPROVEMENT 02 You can describe the topic of the section here UNDERSTANDING 03 You can describe the topic of the section here ACTION PLAN 04 You can describe the topic of the section here TABLE OF CONTENTS TABLE OF CONTENT Introduction on mutual funds Advantages of mutual funds Disadvantages of mutual funds Types of mutual funds Types of schemes & Analysis of mutual funds

4. INTRODUCTION A mutual fund is an investment pool where many people contribute money, which is then professionally managed to invest in a variety of stocks, bonds, or other assets. Each investor owns a share of the overall holdings, and the value of these shares changes based on how the investments perform. Mutual funds were first introduced in India in 1963 with the formation of the Unit Trust of India (UTI), which was created by an Act of Parliament. However, the mutual fund industry in India saw significant growth and diversification in the 1990s with the entry of private sector players. The Securities and Exchange Board of India (SEBI) was established in 1988, and it started regulating mutual funds in 1993, bringing in more transparency and investor protection.

5. INTRODUCTION You can give a brief description of the topic you want to talk about here. For example, if you want to talk about Mercury, you can say that it’s the smallest planet in the entire Solar System Professional Management Diversification Convenient Administration Return Potential Low Costs Liquidity Transparency Flexibility Affordability Choice of schemes Well Regulated ADVANTAGES

6. GOAL 1 Venus is the second planet from the Sun GOAL 2 Despite being red, Mars is a cold place GOAL 3 Jupiter is the biggest planet of them all GOAL 4 Saturn is composed of hydrogen and helium No Guarantees Fees and commission Taxes Management risk Fluctuating returns Lack of control Exit load DISADVANTAGES

7. TYPES OF MUTUAL FUNDS BASED ON FUNCTION BASED ON ASSET CLASS BASED ON INVESMENT GOALS BASED ON OWNERSHIP OPEN ENDED CLOSED ENDED INTERVAL FUND EQUITY FUND DEBT FUND HYBRID FUND SOLUTION ORIENTED FUND GROWTH FUND TAX SAVING LIQUIDITY BASED FUND PENSION FUND FIXED MATURITY FUND CAPITAL PROTECTION FUND PRIVATE SECTOR FUND PUBLIC SECTOR FUND

8. Based On Function Open Ended Fund These fund do not limit when or how many units can be purchased. Investors can enter or exit throughout the year at current net asset value. Close Ended Fund These fund have a pre – define unit capital amount & also allow purchase only during a specified period. Redemption is bound by maturity date. Interval Fund A cross between open ended & close ended funds. Interval mutual fund permit transactions at specific period. Investors can choose to purchase or redeem their units

9. Based On Asset class Equity Fund These funds invest money in company shares & their return depends on how the stock market performs. Through these funds give high returns, they are also considered risky. Debt Fund These funds invest money into fixed income securities such as cooperative bonds, government securities, treasury bills, etc. They can offer stability & regular income with relatively minimum risk. Hybrid fund These funds invest in both equity & debt instrument as to balance out debt & equity. The ratio of investment can be fixed or varied, depending on the fund manager.

10. Solution Oriented fund These schemes are for specific goals like building funds for children education or marriage, etc. They come with a lock – in period of at least five years. Based On Asset class…

11. Tax Saving fund • These fund is also known as equity linked saving schemes. • These fund invest mostly in company securities. Liquidity Based fund • Some funds can be categorized based on how liquid the investment are. • Ultra short term & liquid funds are ideal for short term goals, while schemes like retirement funds have longer lock-in-periods. Growth fund • These funds invest in high performing stock with the aim of capital appreciation are considered growth funds. • These funds can be attractive option for investors seeking high return over long period. Based On Investment Goals

12. Based On Investment Goals… Capital Protection fund • These funds invest partially in fixed income investment & the rest into equities. • These could ensure capital protection i.e. minimal lost, if any. Fixed maturity fund • These funds route money into debt market instruments which have either same or a similar maturity period as the fund itself. • For instance, a 3 years FMF will invest in securities with a maturity of 3 years or lowers. Pension fund • These funds invest with the idea of providing regular return after a long period of investment. • They are usually hybrid fund that give low but have potential to provide steady return in future .

13. Based On Ownership Private Sector fund • These funds are an exclusive investment with a limited number of investors. • The minimal investment for a share of private mutual fund is much higher than of public sector mutual fund. Public Sector fund • These funds lend to operate with lower risk levels when possible, hoping for steady growth.

14. Based On Function SCHEMES

15. Objective: To generate long term capital appreciation by investing predominantly in equity and equity related instruments of small cap companies and the secondary objective is to generate consistent returns by investing in debt and money market securities. Fund manager: Kinjal Desai, Tejas Sheth , Samir Rachh , Akshay Sharma Category: Small Cap Fund Benchmark: Nifty Smallcap 250 TRI Launch date: 16 Sep, 10 Expense ratio: 0.72% (as on 31 st Jan, 23) category average is 0.7% Risk meter: Very High Type: Open-ended fund. You can invest in this fund any time. Fund House:  Nippon India Mutual Fund Nippon India small cap fund ( a) Open-Ended Scheme:

16. Returns Period Annualised Return(%) Cat. Average Return(%) 1 month 2.88% 2.73% 3 month 13.34% 11.48% 6 month 37.31% 31.96% 1 year 38.98% 29.32% 3 year 44.17% 37.34% 5 year 26.61% 23.11%

17. Analysis: Annualized Returns = 36.586% Cat. Avg. Returns = 29.923% Suitable for 3-4 Years. High Returns. Moderate losses. Invest anytime and can exit also anytime as it is opened scheme.

18. Objective: To generate capital appreciation over a period of ten years by investing predominantly in equities of companies across large, mid and small market capitalization, along with income tax benefit. Fund manager: R. Srinivasan  ,  Mohit Jain Category:  ELSS Benchmark: S&P BSE 500 TRI Launch date: 28-Mar-2014 Expense ratio: 2.7% as declared on 30-Jun-2015 (category average is 2.57%) Risk meter: Very High Type: Close Ended Fund. New investments not allowed in this fund. Fund House: SBI Mutual Fund  SBI Tax Advantage Fund Series 3 ( b) Closed Ended Scheme:

19. Returns Period Annualised Return(%) Cat. Average Return(%) 1 month 2.66% 2.33% 3 month 6.06% 7.49% 6 month 23.24% 22.99% 1 year 16.52% 22.18% 3 year 30.09% 27.52% 5 year 27.15% 17.22%

20. Analysis: Annualized Returns = 24.586% Cat. Avg. Returns = 22.306% High Return Can’t sell before maturity date as it is closed ended fund. Can save tax by showing investment as deduction under 80C of Income Tax Act. Moderate Losses.

21. Objective: To generate regular returns by investing in a portfolio of fixed income securities normally maturing in line with the time profile of the respective Plan. Each Plan will invest in a distinct portfolio of securities. Fund manager: Sunil Patil Category: Interval Plans Benchmark: CRISIL 10 Year Gilt Index Launch date: 15-Oct-2013 Expense ratio: 0% as declared on 30-Sep-2023 (category average is 0%) Risk meter: Low Type: Close Ended Fund. New investments not allowed in this fund. Fund House: UTI Mutual Fund UTI Fixed Income interval fund ( c) Interval schemes

22. Returns Period Annualised Return(%) Cat. Average Return(%) 1 month 0.53% 0.57% 3 month 1.66% 1.68% 6 month 3.56% 3.46% 1 year 6.67% 6.80% 3 year 5.67% 4.79% 5 year 4.56% 5.02%

23. Analysis: Annualized Returns = 5.633% Cat. Avg. Returns = 5.536% Very less risky. Regular Returns. Suitable for 3-4 Years. Can exit when the windows get open for selling and purchasing.

24. Based On Asset Class SCHEMES

25. Objective: To generate long term growth of capital through a portfolio with a target allocation of 100% equity, focusing on investing in technology and technology dependent companies, hardware, peripherals and components, software, telecom, media, internet and e-commerce and other technology enabled companies. Fund manager: Dhaval Joshi ,  Kunal Sangoi Category: Sectoral /Thematic Benchmark: S&P BSE Teck TRI Launch date: 15-Jan-2000 Expense ratio: 1.91% as declared on 31-Aug-2023 (category average is 2.16%) Risk meter: Very High Type: Open Ended Fund. You can invest any time in this fund. Fund House: Aditya Birla Sun Life Mutual Fund ABSL Digital India fund ( a) Equity fund

26. Returns Period Annualised Return(%) Cat. Average Return(%) 1 month 3.79% 2.45% 3 month 12.33% 8.43% 6 month 22.62% 23.21% 1 year 27.54% 24.30% 3 year 25.45% 26.22% 5 year 21.24% 15.85%

27. Analysis: Annualized Returns = 24.743% Cat. Avg. Returns = 22.123% High Return. Very risky as invested in equity oriented fund. Losses can be possible as risk meter is very high.

28. Objective: To generate income through investments in a range of debt and money market instruments while maintaining the optimum balance of yield, safety and liquidity. However, there can be no assurance or guarantee that the investment objective of the Scheme would be achieved. Fund manager: Manish Banthia  ,  Ritesh Lunawat Category: Medium Duration Fund Benchmark: CRISIL 10 Year Gilt Index Launch date: 23-Jan-2013 Expense ratio: 0.74% as declared on 31-Aug-2023 (category average is 0.71%) Risk meter: Moderately High Type: Open Ended Fund. You can invest any time in this fund. Fund House: ICICI Prudential Mutual Fund ICICI prudential medium term bond fund ( a) Debt fund

29. Returns Period Annualised Return(%) Cat. Average Return(%) 1 month 0.45% 0.40% 3 month 1.49% 1.30% 6 month 3.96% 3.79% 1 year 7.71% 7.44% 3 year 6.66% 6.41% 5 year 7.98% 6.29%

30. Analysis: Annualized Returns = 7.45% Cat. Avg. Returns = 6.713% Suitable for investor looking to invest money for 1-3 years. Suitable for investors looking for alternative to bank deposits. Moderate losses. Low return as compared to Equity funds.

31. Objective: The objective of the Scheme is to generate long term capital appreciation/income by investing in a diversified portfolio of equity & equity related instruments, debt & money market instruments and Gold. Fund manager: Srinivasan Ramamurty ,  Nirman Morakhia ,  Bhagyesh Kagalkar ,  Dhruv Muchhal , Anil Bamboli ,  Arun Agarwal Category: Multi Asset Allocation Benchmark: 65% Nifty 50 TRI + 25% Nifty Composite Debt Index + 10% Price of Domestic Gold Launch date: 17-Aug-2005 Expense ratio: 2.09% as declared on 31-Aug-2023 (category average is 1.82%) Risk meter: Very High Type: Open Ended Fund. You can invest any time in this fund. Fund House: HDFC Mutual Fund HDFC multi Asset fund ( c) Hybrid fund

32. Returns Period Annualised Return(%) Cat. Average Return(%) 1 month 0.87% 1.09% 3 month 3.76% 4.78% 6 month 11.01% 13.96% 1 year 16.48% 18.04% 3 year 17.13% 18.63% 5 year 13.51% 15.01%

33. Analysis: Annualized Returns = 15.706% Cat. Avg. Returns = 17.226% Suitable for 3-4 Years and looking for long term capital income. Very Risky. More risky then debt fund but less risky then equity fund. Invest to manage both equity and debt. Allocation of equity and debt can be vary as per market condition. .

34. Objective: The investment objective of the Scheme is to provide long-term capital appreciation / income by investing in a mix of equity and debt instruments to help investors meet their retirement goals. Fund manager: Srinivasan Ramamurty ,  Shobhit Mehrotra Category: Retirement Fund Benchmark: Nifty 50 Hybrid Launch date: 26-Feb-2016 Expense ratio: : 0.99% as declared on 31-Aug-2023 (category average is 0.94%) Risk meter: Very High Type: Open Ended Fund. You can invest any time in this fund. Fund House: HDFC Mutual Fund HDFC retirement savings fund: Hybrid Debt Plan ( d ) solution oriented fund

35. Returns Period Annualised Return(%) Cat. Average Return(%) 1 month 0.36% 0.60% 3 month 2.43% 4.36% 6 month 7.70% 13.90% 1 year 11.55% 15.69% 3 year 10.12% 14.82% 5 year 9.37% 12.26%

36. Analysis: Annualized Returns = 10.346% Cat. Avg. Returns = 14.256% Moderate losses as this is hybrid scheme. Less risky as the debt percentage is high as compared to equity and others. Investor invest in this scheme for long term capital income.

37. Based On Investment SCHEMES

38. Objective: To generate long-term capital appreciation, and the secondary objective is income generation and distribution of dividend, from a portfolio constituted of equity and equity-related securities, concentrating on the investment focus of the scheme. Fund manager: Charanjit Singh ,  Rohit Singhania  , Jay Kothari Category: Large & Mid Cap Fund Benchmark: Nifty LargeMidcap 250 TRI Launch date: 16-May-2000 Expense ratio: 1.78% as declared on 31-Aug-2023 (category average is 1.97%) Risk meter: Very High Type: Open Ended Fund. You can invest any time in this fund. Fund House: DSP Mutual Fund  DSP equity opportunities fund ( a) Growth Scheme:

39. Returns Period Annualised Return(%) Cat. Average Return(%) 1 month -0.71% -0.77% 3 month 6.56% 5.82% 6 month 20.69% 20.49% 1 year 20.60% 19.12% 3 year 25.49% 25.97% 5 year 17.79% 18.05%

40. Analysis: Annualized Returns = 21.923% Cat. Avg. Returns = 20.98% Suitable for 3 years and looking for long term capital income. High Returns Moderate Losses. As this is growth fund the equity percentage is high so it is very risky.

41. Objective: To generate long-term capital appreciation from a diversified portfolio of predominantly equity and equity-related Securities. The scheme shall offer tax benefits under Section 80C of the Income Tax Act. Fund manager: Kaustubh Sule  ,  Anupam Tiwari Category: ELSS Benchmark: S&P BSE 500 TRI Launch date: 28-Dec-2017 Expense ratio: 2.25% as declared on 31-Aug-2023 (category average is 1.87%) Risk meter: Very High Type: Open Ended Fund. You can invest any time in this fund. Fund House: Groww Mutual Fund Grow ELSS tax saver fund ( ( b) tax saving

42. Returns Period Annualised Return(%) Cat. Average Return(%) 1 month 0.98% -0.21% 3 month 3.39% 5.44% 6 month 14.67% 19.74% 1 year 15.39% 18.82% 3 year 19.47% 26.70% 5 year 13.48% 18.26%

43. Analysis: Annualized Returns = 16.113% Cat. Avg. Returns = 21.26% Suitable for 3-4 years. Moderate losses as invested in equity oriented fund. This scheme offer tax benefits as it is ELSS scheme.

44. Objective: To provide the investors an opportunity to invest in the entire range of debt and money market securities with residual maturity upto 91 days only. Fund manager: R.Arjun Category: Liquid Fund Benchmark: CRISIL 10 Year Gilt Index Launch date: 22-Mar-2007 Expense ratio: 0.3% as declared on 31-Aug-2023 (category average is 0.27%) Risk meter: Low to Moderate Type: Open Ended Fund. You can invest any time in this fund. Fund House: SBI Mutual Fund SBI liquid fund ( ( c) liquidity fund

45. Returns Period Annualised Return(%) Cat. Average Return(%) 1 month 0.57% 0.56% 3 month 1.71% 1.71% 6 month 3.47% 3.46% 1 year 6.92% 6.87% 3 year 4.77% 4.76% 5 year 5.24% 5.23%

46. Analysis: Annualized Returns = 5.643% Cat. Avg. Returns = 5.62% Suitable for 1-3 years. Suitable for investors looking for alternative to bank deposits. Very less risky as invest in debt instrument. Maturity no longer than 91 days.

47. Objective: To protect the capital by investing in high quality fixed income securities as the primary objective and generate capital appreciation by investing in equity and equity related instruments as a secondary objective. Fund manager: Ashutosh Bhargava , Anju Chhajer Category: Capital Protection Fund Benchmark: 80% CRISIL CompBex + 20% Nifty 50 TRI Launch date: 25-Mar-2020 Expense ratio: 0% as declared on 11-Oct-2023 (category average is 0%) Risk meter: Low Type: Close Ended Fund. New investments not allowed in this fund. Fund House: Nippon India Mutual Fund Nippon India Capital Protection Oriented Fund 2 – Plan A ( (d) capital protection fund

48. Returns Period Annualised Return(%) Cat. Average Return(%) 1 month 0.47% 0% 3 month 4.00% 0% 6 month 6.80% 0% 1 year 8.87% 0% 3 year 15.12% 0%

49. Analysis: Annualized Returns = 11.955% Suitable for 1-3 years. Suitable for investors looking for high quality fixed income securities. This type of scheme has maturity date on which you can choose to withdraw the money or you can choose to invest again in the same scheme.

50. Objective: The scheme endeavours to provide regular income and capital growth with limited interest rate risk to the investors through investments in a portfolio comprising of debt instruments such as Government Securities, PSU & Corporate Bonds and Money Market Instrument. Fund manager: Ranjana Gupta Category: Fixed Maturity Plans - Debt Benchmark: CRISIL 10 Year Gilt Index Launch date: 28-Mar-2019 Expense ratio: 0% as declared on 30-Sep-2023 (category average is 0%) Risk meter: Moderately High Type: Close Ended Fund. New investments not allowed in this fund. Fund House: SBI Mutual fund  SBI Fixed Maturity Plan (FMP) - Series 1 ( (e ) Fixed Maturity Fund

51. Returns Period Annualised Return(%) Cat. Average Return(%) 1 month -0.20% 0.16% 3 month 0.83% 1.23% 6 month 3.10% 2.92% 1 year 7.73% 7.61% 3 year 5.48% 5.19%

52. Analysis: Annualized Returns = 6.605% Cat. Avg. Returns = 6.4% Suitable for investor looking to invest money for longer duration. Less risky. This type of scheme is open for subscription for certain period. Invest in debt instruments.

53. Objective: The investment objective of the scheme is primarily to generate a corpus to provide for pension in the form of periodical income / cash flow to the unit holders to the extent of redemption value of their holding after the age of 58 years by investing in a mix of securities comprising of debt & money market instruments and equity & equity related instruments. Fund manager: V Srivatsa  , Sunil Patil Category: Retirement Fund Benchmark: CRISIL Short Term Debt Hybrid 60+40 Index Launch date: 01-Jun-1996 Expense ratio: 1.66% as declared on 31-Aug-2023 (category average is 2.11%) Risk meter: High Type: Open Ended Fund. You can invest any time in this fund. Fund House: UTI Mutual Fund   UTI retirement benefit Pension Plan ( ( f ) Pension Fund

54. Returns Period Annualised Return(%) Cat. Average Return(%) 1 month 0.06% -0.11% 3 month 2.68% 3.83% 6 month 9.67% 13.07% 1 year 13.39% 14.03% 3 year 15.28% 14.58% 5 year 10.20% 12.76%

55. Analysis: Annualized Returns = 12.956% Cat. Avg. Returns = 13.79% Suitable for 3-4 years. Suitable for investor looking for fixed periodic income. To secure the retirement and to have regular income after the age of 60.

56. Based On Ownership SCHEMES

57. Objective: The scheme seeks to generate regular income through a judicious mix of portfolio comprising predominantly debt and money market securities of Banks, Public Sector Undertakings, Public Financial Institutions and Municipal bodies. Fund manager: Rajeev Radhakrishnan  ,  Mohit Jain Category: Banking and PSU Fund Benchmark: CRISIL 10 Year Gilt Index Launch date: 09-Oct-2009 Expense ratio: 0.81% as declared on 31-Aug-2023 (category average is 0.68%) Risk meter: Moderate Type: Open Ended Fund. You can invest any time in this fund Fund House: SBI Mutual Fund  SBI Banking and PSU fund (a) Public sector

58. Returns Period Annualised Return(%) Cat. Average Return(%) 1 month 0.30% 0.27% 3 month 1.38% 1.34% 6 month 3.07% 3.06% 1 year 6.89% 6.83% 3 year 4.76% 5.03% 5 year 7.83% 7.22%

59. Analysis: Annualized Returns = 6.493% Cat. Avg. Returns = 6.36% High Return Suitable for 3-4 years. This type of scheme seeks to generate regular income through a judicious mix of portfolio comprising predominantly debt and money market securities.

60. Objective: To achieve long term capital appreciation by investing predominantly in equity & equity related instruments of Mid Cap companies. Fund manager: Nitin Arora ,  Shreyash Devalkar  ,  Vinayak Jayanath Category: Mid Cap Fund Benchmark: S&P BSE Midcap 150 TRI Launch date: 18-Feb-2011 Expense ratio: 1.62% as declared on 31-Aug-2023 (category average is 1.94%) Risk meter: Very High Type: Open Ended Fund. You can invest any time in this fund. Fund House: Axis Mutual Fund   Axis midcap fund (b) private sector

61. Returns Period Annualised Return(%) Cat. Average Return(%) 1 month -1.54% -0.67% 3 month 4.91% 9.02% 6 month 20.49% 26.60% 1 year 14.65% 21.76% 3 year 24.02% 29.97% 5 year 20.70% 21.16%

62. Analysis: Annualized Returns = 19.79% Cat. Avg. Returns = 24.296% Suitable for 3-4 years. High Return Moderate losses The investor invest money in this type of scheme to gain capital appreciation by investing predominantly in equity and equity related instrument of midcap companies.

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