original hard copy of mutual funds

8/3/2019 Original Hard Copy of Mutual Funds

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N.E.S RATNAM

COLLEGE OF

ARTS, SCIENCE

& COMMERCE

BHANDUP (W)

Topic name:

MUTUAL FUNDS

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COMPANY NAME:

BARODA PIONEER

Subject name:

INNOVATIONS IN BANKING

AND INSURANCE

class:

SYBBI

under the guidance of :

PROF. MRS. JIA MAKHIJA

ACKNOWLEDGEMENT

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We would express our sincere thanks to

Prof.Mrs.Jia makhija for giving us this

opportunity or platform to interact with

widespread. We would like to thank our group

members as well as our friends who have

supported us throughout in completing this

project.

We are equally grateful to those who gave us

moral support & guided us in differentmatters regarding the topic. Our professor

had been very kind & patient while

suggesting us the outline of the project &

clearing our doubts. We thank everyone for

their support.

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CERTIFICATE

This is to certify that the following

students have completed their project

successfully on MUTUAL FUNDS in

INNOVATIONS IN BANKING AND

INSURANCE subject under the guidance of

Prof.Mrs.jia makhija. For the academic year2011-2012.

Name of the students:

Roll No:

Bhakti gurav 08

Jasmine nadar 23

Saranya nadar 24

Vinisha shingh 38

Anand udaiyar 40

Date: Signature of Co-

ordinator

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Place: Signature of professor

Index

Sr.No Contents Page No

01 Introduction 06

02 Equity fund 07-09

03 Specialized fund 10-11

04 Balanced fund 12-14

05 Gilt fund 15-16

06 Income fund 17-18

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07 Conclusion 19

08 Reference 20

INTRODUCTIONMutual Funds Definition refers to the meaning of Mutual

Fund, which is a fund, managed by an investment

company with the financial objective of generating high

Rate of Returns. These asset management or investment

management companies collects money from the

investors and invests those money in different Stocks,

Bonds and other financial securities in a diversified

manner. Before investing they carry out thorough

research and detailed analysis on the market conditions

and market trends of stock and bond prices. These things

help the fund mangers to speculate properly in the right

direction.

The investors, who invest their money in the Mutual fund

of any Investment Management Company, receive an

Equity Position in that particular mutual fund. When after

certain period of time, whether long term or short term,

the investors sell the Shares of the Mutual Fund, they

receive the return according to the market conditions.

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The investment companies receive profit by allocating

people's money in different stocks and bonds according

to their Speculation about the Market Trend.Other than some specific mutual funds which carry

certain Maturity Term, Investors can generally sell the

shares of their mutual funds at any time they want. But,

the return will vary according to market value of the

stocks and bonds in which that particular mutual fund

made investment. But, generally the share holders of

mutual fund sell their share when the prices are up and

Capital Gain is sure to happen.

TYPES OF MUTUAL FUNDS

EQUITY FUND:

A mutual fund which invests primarily in stocks, usually

common stocks.

INVESTMENT OBJECTIVE:

The primary investment objective of the Scheme is to

provide investors with opportunities for long term growth

in capital along with the liquidity of an open ended

scheme through an active management of investments in

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a diversified basket of equity stocks of domestic Public

Sector Undertakings.

FUND DATA

Fund manager Dipak acharyaDate of inception 4/10/2010Benchmark BSE PSU IndexAverage AUM* Rs. 81.465 crsMin. Investment 5,000/-& in multiples of 1/-

thereafter

Entry Load NILExit Load 1.00% if redeemed on orbefore 365 days from thedate of allotment of units,Nil if redeemed after 365days from the date ofallotment of units

Ratios Standard Deviation:58.62%, Sharpe: 0.27, Beta:5.87

STOCK HOLDINGS:

Stock Name

Coal India

Oil & Natural Gas Corp

% to Net Assets

10.09%

9.08%

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NTPC

State Bank of India

Oil IndiaBharat Heavy Electricals

NMDC

Bank of Baroda

GAIL (India)

Indian Oil CorporationSteel Authority of India

Power Grid Corp of India

NHPC

Punjab National Bank

Bharat Petroleum Corp

Canara Bank

Bank of India

Power Finance Corp

Bharat Electronic

Rural Electrification Corp

Top 20

Total Equity

CBLO / Reverse Repo

8.85%

8.47%

6.55%5.80%

5.73%

4.39%

4.05%

3.65%3.12%

2.78%

1.66%

1.48%

1.45%

1.45%

1.38%

1.36%

1.26%

1.24%

83.84%

12.49%

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Investments

Cash & Cash Equivalents

Grand Total

4.07%

-0.40%

100.00%

PORTFOLIO:

Asset Date: 16-Dec-2011

Scheme Name 1m % 3m % 1y % 3y % Fund Size (Rs. Cr)

Baroda Pioneer ELSS '96 [6.9] [8.0] [24.0] 16.0 20

Baroda Pioneer Growth (G) [6.6] [8.8] [25.0] 16.4 70

Baroda Pioneer Growth (D) [6.5] [8.8] [25.0] 16.4 70Baroda Pioneer PSU Equity Fund (G) [7.2] [13.3] [27.8] NA 81

Baroda Pioneer PSU Equity Fund (D) [7.2] [13.3] [27.8] NA 81

Baroda Pioneer Infrastructure Fund (G) [8.1] [13.4] [30.7] NA 28

Baroda Pioneer Infrastructure Fund (D) [8.1] [13.4] [30.7] NA 28

Mr Dipak Acharya is

an M.Com., with the

added qualifications

of AICWA, CAIIB and

PGPMS. He is the

Fund Manager for the

equity schemes of Baroda Pioneer Mutual Fund and has

been with the organization since September 2008. Prior

to this, Mr. Acharya was with Bank of Baroda for 10 years,

where he worked in the Treasury Dept. and Credit Dept.

SPECIALIZED FUND:

A mutual fundinvesting primarily in the securities of a

particular industry, sector, type ofsecurity or geographic

10

FUND MANAGER

Dipak AcharyaFund Manager Equity

Qualification : MCom. AICWA, CAIIB
http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-ELSS-96/653268http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-Growth-Growth/11914364http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-Growth-Dividends/11922141http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-PSU-Equity-Fund-Growth/90749813http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-PSU-Equity-Fund-Dividends/90757590http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-Infrastructure-Fund-Growth/87996755http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-Infrastructure-Fund-Dividends/88004532http://www.investorwords.com/3173/mutual_fund.htmlhttp://www.investorwords.com/5906/investing.htmlhttp://www.investorwords.com/5954/securities.htmlhttp://www.investorwords.com/2447/industry.htmlhttp://www.investorwords.com/4430/sector.htmlhttp://www.investorwords.com/4446/security.htmlhttp://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-ELSS-96/653268http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-Growth-Growth/11914364http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-Growth-Dividends/11922141http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-PSU-Equity-Fund-Growth/90749813http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-PSU-Equity-Fund-Dividends/90757590http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-Infrastructure-Fund-Growth/87996755http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-Infrastructure-Fund-Dividends/88004532http://www.investorwords.com/3173/mutual_fund.htmlhttp://www.investorwords.com/5906/investing.htmlhttp://www.investorwords.com/5954/securities.htmlhttp://www.investorwords.com/2447/industry.htmlhttp://www.investorwords.com/4430/sector.htmlhttp://www.investorwords.com/4446/security.html


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region. Because of the lack ofdiversification, specialized

funds are higher risk but potentially higher reward than

most other types ofmutual funds. Also called specialty

fund.INVESTMENT OBJECTIVE:

The primary investment objective of the Scheme will beto generate long-term capital appreciation by investingpredominantly in equity and equity related securities ofcompanies engaged in infrastructure and infrastructurerelated sectors

FUND DATA:

Fund Manager Dipak AcharyaDate of Inception 22/06/2010Benchmark CNX 100Average AUM* 28.2432 CrsMin. Investment 5,000/-& in multiples of 1/-

thereafter

Entry Load NILExit Load 1.00% if redeemed on or

before 365 days from thedate of allotment of units,Nil if redeemed after 365days from the date of

allotment of unitsSIP (MIN) 1000/month - 6 months,1500/quarter - 4 quarters

Ratios Standard Deviation:58.62%, Sharpe: 0.27,

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Beta: 5.87

STOCK HOLDINGS:

Stock NameReliance IndustriesHDFCLarsen & ToubroBharat Heavy ElectricalsGAIL (India)Bharti AirtelOil & Natural Gas Corp

NTPCTata SteelHindalco Industries

Jindal Steel & PowerCoal IndiaIRB InfrastructureDevelopersIDFC

Power Grid Corp of IndiaSteel Authority of IndiaHindustan Petroleum CorpBharat ElectronicsSterlite Industries ( India )

Tata Power Co.Top 20Total EquityCBLO / Reverse RepoInvestmentsCash & Cash EquivalentsGrand Total

% to Net Assets9.32%7.64%6.71%6.12%5.33%4.51%4.50%

3.48%3.30%3.13%3.04%2.64%2.63%2.58%2.39%

2.18%2.04%1.95%1.86%1.74%77.09%13.20%6.26%3.45%100.00%

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BALANCED FUND:

A mutual fund that buys a combination ofcommon stock,

preferred stock, bonds, and short-term bonds, to provide

both income and capital appreciation while

avoiding excessive risk. The purpose of balanced funds (also sometimes called hybrid funds) is to

provide investors with a single mutual

fund that combines both growth and incomeobjectives,

by investing in both stocks (for growth) and bonds (for

income). Such diversifiedholdingsensure that

these funds will manage downturns in the stock

market without too much of a loss; the flip side, ofcourse, is that balanced funds will usually increase less

than an all-stock fund during a bull market.


The scheme is targeted for long-term capital appreciationalong with stability through a well balanced portfoliocomprising of equity and debt securities.

FUND DATA:Fund Manager Dipak AcharyaDate of Inception 12/09/2003Benchmark CRISIL Balance Fund IndexAverage AUM* Rs.2.6195 crs

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Min. Investment 3,000/-& in multiples of 1000/- thereafter

Entry Load NIL

Exit Load 1% if redeemed on orbefore 12 months from thedate ofallotment

SIP(MIN) 1000/month - 6 months,1500/quarter - 4 quarters

Ratios Standard Deviation:58.62%, Sharpe: 0.27, Beta:

5.87

STOCK HOLDING:

Stock NameState Bank of IndiaLarsen & ToubroBank of Baroda

ICICI BankHDFCReliance IndustriesDr. Reddy's LaboratoriesBharat Heavy Electricals

Tata MotorsOil & Natural Gas CorpITC

InfosysCanara BankHindustan Petroleum CorpOriental Bank of Commerce

Tata SteelCoal India

% to Net Assets5.43%5.37%4.89%

4.42%4.36%3.75%3.70%3.52%3.14%2.64%2.30%

2.28%2.07%1.90%1.84%1.84%1.79%

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GILT FUND:

A strategy that originated in Britain whereby a mutualfunds invests in several medium and longterm government securities as well asin topqualitycorporatedebt, whereas other bondfunds primarily invest in corporate andgovernmentinstruments and money market funds.


To generate income by investing in a portfolio ofgovernment securities.

FUND DATA:

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Fund Manager Hetal ShahDate of Inception 21/03/2002Benchmark I SEC-MI BEXAverage AUM* RS. 0.9272 crs

Min. Investment ` 2,000/- and in multiples of` 500/- thereafter

Entry Load NILExit Load 1% if redeemed on or

before 12 months from thedate ofallotment

Modified Duration 0.0037 yearAverage Maturity 1.37 days

STOCK HOLDING:

Stock NameGrand TotalCentralgovernmentsecuritiesCBLO / Reverse RepoInvestmentsCash & Cash Equivalents

% to Net Assets100.00%0.14%97.67%2.19%

PORTFOLIO:

Ms. Hetal P. Shah isa B.Com, MBA, and

JAIIB having 9 yearsof experience intreasury and fund

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Baroda Pioneer Gilt Fund (G) 40.3 20.8 12.3 9.8 01

Baroda Pioneer Gilt Fund (D) 40.3 20.8 12.3 9.7 01

FUND MANAGER

Hetal P. Shah

Fund Manager (Debt)

Qualification : B.Com, MBA, and JAIIB
http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-Gilt-Fund-Growth/7761446http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-Gilt-Fund-Growth/7761446http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-Gilt-Fund-Dividends/7769223http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-Gilt-Fund-Growth/7761446http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-Gilt-Fund-Dividends/7769223


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management. Before joining Baroda Pioneer AssetManagement Co. Ltd., she was working in the TreasuryDepartment of Bank of India from May 1999.

.

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INCOME FUND:

A mutual fund which emphasizes current income in the

form of dividends or couponpayments from bonds and/orpreferred stocks, rather thanemphasizing growth. Income funds are considered tobe conservativeinvestments, sincethey avoidvolatilegrowth stocks. Incomefunds arepopular with retirees and other investors who are lookingfor a steadycash flow without assuming too much risk.


To generate regular income by investing in a portfolio ofgood quality Fixed Income Securities by maintaining abalance between Risk & Return.

FUND DATA:

Fund Manager Hetal Shah

Date of Inception 21/03/2002Benchmark Crisil Composite Bond Fund

IndexAverage AUM Rs.0.3647 crsMin. Investment 2,000/- and in multiples of

1/- thereafterEntry Load NILExit Load 1% if redeemed on or

before 12 months from thedate ofallotment

SIP(minimum) 1000/month - 6 months,1500/quarter - 4 quarters

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Modified Duration 0.0026 yearsAverage Maturity 0.95 days

STOCK HOLDINGS:

Stock NameGrand TotalCBLO / Reverse Repo

InvestmentsCash & Cash Equivalents

% to Net Assets100.00%94.33%

5.67%

PORTFOLIO:



Baroda Pioneer Income Fund (G) 24.0 13.8 9.3 5.9 00Baroda Pioneer Income Fund (D) 24.0 13.8 9.3 5.9 00

Baroda Pioneer PSU Bond Fund (Div-M) 24.5 8.1 8.0 NA 69

Baroda Pioneer PSU Bond Fund (G) 24.5 8.1 8.0 NA 69

Baroda Pioneer PSU Bond Fund (Div-Q) 24.5 8.1 8.0 NA 69

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http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-Income-Fund-Growth/7808108http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-Income-Fund-Dividends/7815885http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-PSU-Bond-Fund-Div-M/85088157http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-PSU-Bond-Fund-Growth/85080380http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-PSU-Bond-Fund-Div-Q/85095934http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-Income-Fund-Growth/7808108http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-Income-Fund-Dividends/7815885http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-PSU-Bond-Fund-Div-M/85088157http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-PSU-Bond-Fund-Growth/85080380http://www.indiainfoline.com/Mutualfunds/Baroda-Pioneer-PSU-Bond-Fund-Div-Q/85095934


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CONCLUSION:

With this we conclude that Baroda pioneer is diverse inthe world of investments. It is providing us with variousfunds with different-different investment objectives whichwill suit us as per our investment ability.

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REFERENCE:

Webliography:

www.investopedia.comwww.barodapioneer.com

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