PAPER ID: IJIM/Vol. 9 (XI) /March/37-43/6

TITLE : ROLE OF MULTIDIMENSIONAL FACTORS IN INVESTING DECISION-MAKING – A STUDY OF KARNAL DIVISION

AUTHOR: Girish Kumar [I] Prof. Rajiv Pandey, Principal (Retd.)^[II]

ABSTRACT: In 2020, despite the economic uncertainty after COVID-19, shares, mutual funds, and life insurance investments are significantly increasing. Due to the financial meltdown, businesses and income were heavily affected. Hence, the sudden change in personal financial conditions and favourable working conditions made investors, especially women, seek highly rewarding investment options such as life insurance, mutual funds, and shares with different investment objectives. Further, investors consider different investment objectives while preferring an investment avenue.

A middle-class individual can invest through alternatives such as Post-Office schemes, Shares, Debentures, Bank FDs, Gold, Mutual Funds etc. The present study tried to examine the impact of socio-demographic factors on retail investors’ perception towards mutual funds. The study is descriptive research about studying the perception of retail investors about mutual funds. The primary data are collected for the study. The primary data was collected from the Karnal division of Haryana. The purposive sampling was used to collect the data. The data for the study is collected from a sample of 528 persons. Chi-square and crosstab are used to analyse the data. The study presents the results of a Chi-square analysis examining the influence of demographic factors— gender and residential status— on risk appetite and perception of retail investors about mutual funds. Significant p-values highlight key areas of agreement or behaviour trends, which are critical for understanding investor sentiment and satisfaction levels.

KEYWORDS: Mutual Funds, Finance, Investors, Decisions.

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