Authors : Dr. Pallavi Padhy; Hiba Fathima; Almas Banu

Volume/Issue : Volume 11 - 2026, Issue 7 - July

Google Scholar : https://tinyurl.com/mub7385z

Scribd : https://tinyurl.com/46akhcmm

DOI : https://doi.org/10.38124/ijisrt/26jul884

Note : A published paper may take 4-5 working days from the publication date to appear in PlumX Metrics, Semantic Scholar, and ResearchGate.

Abstract : Mutual funds have become one of the most popular investment options in recent years, offering investors a professionally managed and easily accessible means of building wealth. By providing a variety of schemes that suit different risk preferences, mutual funds ensure both diversification and liquidity, making them a convenient choice for individuals seeking long-term financial growth. This study seeks to evaluate the level of investor awareness regarding mutual fund features and to identify the major factors that shape investor preferences and risk perceptions. It further explores how government policies and regulations influence investment decisions in mutual funds. The research is based on data collected through a structured questionnaire administered to a diverse sample comprising government employees, private-sector workers, self-employed individuals, retirees, and homemakers in Bengaluru. The results indicate that tax advantages, liquidity, and potential for higher returns play a significant role in shaping investor attitudes toward mutual fund investments. Moreover, the study highlights that government norms exert a noteworthy influence on the investment choices of mutual fund investors.

Keywords : Investors Perception, Investments, Mutual Fund.

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