authors
Nikhil Bharat Goyal

abstract
The study examines the shift in behavior of investors in India as well as the composition of the mutual funds post epidemic. It explores the going in and out of funds pattern, SIP dynamics, and risk-adjusted returns and fund groups across categories of funds through secondary data provided by ICRA Analytics and AMFI of the fiscal year 2023. Regression, correlation, ANOVA, and descriptive analysis were employed to provide answers to questions that lie on growth dispersion, investment consistency, and behavior patterns. A two-sample t-test was employed to establish that there was a meaningful performance of the fund. The findings indicate that equities and hybrid plans are gaining increasing popularity, and small- and mid-cap funds outperform better in their risk-adjusted returns. Good linear development of SIP suggested an increase in participation of retail. With the volatility in the market and performance indicators, the investor behavior has shifted towards diversified and long-term strategies. The incremental insights of a practical nature that can be obtained by using the study findings can be used by policymakers and fund managers and can even be used by providers of financial education, who would want to maximize the distribution of funds in the vibrant Indian mutual fund industry.