Analytical Review on Return Potential of Postal Savings Schemes (With particular reference to Bangalore city)

Dr.Umakanth.S; Dr.Soma Sharma

Volume : IV, Issue : VI, June - 2014

Analytical Review on Return Potential of Postal Savings Schemes (With particular reference to Bangalore city)

Dr. Umakanth. S, Dr. Soma Sharma

Abstract :

Investment plays an important role in multiplying hard earned money, hence investors has to be very careful while investing because a wrong decision while investing might cause loss of capital. Today Investors has various options for investments and there are different types of investment instruments available which are provided by various financial institutions like commercial banks, co–operative banks, post office saving banks, life insurance corporations, mutual fund corporation et. Usually investors look for risk free investment instrument because of scarcity of money and difficulty involved in earning that money hence before investment assessment of risk and return potential is very important to match investors required rate of return and actual return from investment are considered. The present postal environment has changed traditional postal business and have create a vast array of new business options and opportunities and also the interest rates are higher when compared to other instruments offered by other financial institution. Hence in this present study an effort is made to study postal savings awareness and purpose of the investors on post office saving schemes among working employees at Bangalore city. The primary data was collected purely on random basis from 350 respondents. The result indicated that majority of the investors are aware of post office saving schemes and the objective of investors are to get regular return and safety of their capital.