BOOKS

1.A. Vinayagamoorthy and K.Senthilkumar (2012) ‘An analysis of Postal Investment and Small
Savings’ Banking Finance, Vol.XXV No. 02 February, Pp 18-22.

2. Dr. Dhiraj Jain and Ms. Ruhika Kothari, ―Investors‘attitude towards Post Office Deposits
Schemes‖ - Empirical Study in Udaipur district, Rajasthan, IJMT, July 2010, Volume 2, Issue 7
ISSN: 2249-1058

3.Karthikeyan, B., (2001), 'Small Investors' Perception on Post Office Small Savings Schemes',
unpublished thesis, Madras University, Tamilnadu, India.

4.Gavini, Augustine, L., and PrashanthAthma, (1999), 'Small Saving Schemes of Post Office
Need to Be Known More', Southern Economist, 37(20), February 15, pp. 13-14] 5.Mukhi, M.D.,
(1989), 'NSCs: A saving grace', Business World, 6-19 December, 1989, pp. 107-120.

6.Singh Preeti, “Investment Management”, Security analysis and Portfolio Management,

Himalaya Publishing House, Ninth Revised Edition Delhi, 2002.

WEBSITE

https://www.indiapost.gov.in/Financial/Pages/Content/Post-Office-Saving-Schemes.aspx

Report
1. NCAER Survey, ―Attitude towards and Motivation for Savings, New Delhi, 1964.

I
 QUESTIONNAIRE
“A STUDY ON CUSTOMER PERCEPTION ON POST OFFICE SAVINGS SCHEME WITH
SPECIAL REFERENCE TO KANICHAR PANCHAYAT”

Name:

Gender: Male  Female 

Age:

10-18  19-30  30-60  60- 80 

Education qualification:

H.S.S  Graduate  Post graduate  others 

Occupation:

Govt. Employee  Non govt. Employee 

Business  Student  Other 

What is your yearly income?

Below 25000  25000-50000  50000-100000 

Above 100000 

1. When you will start your post office saving account?

1990-1995  1995-2000  2000-2005 

2005-2010  2010-2016 

2. Which type of Account that you will take?

Fixed  Savings  Recurring Deposit  Others 

3. What is the purpose of your Savings?

Future  children education marriage 

Retirement benefit  other 

4. Are you satisfied by post office Savings?

Highly satisfied  Satisfied  Less Satisfied 

II
 Not at all Satisfied 
5. Are you agree with there is a proper announcement made by post office to the public?

Strongly Agree  Agreed  neither Agree nor Disagree 

Disagree  Strongly Disagree 

6. Which pattern you would like to save your money?

Insurance policy  Mutual fund  Post Office 

Banking  other 

7. What is the Problem that you faced in the post office saving?
Opening an account  Money transfer  Nominee name change 

Closing an account  other 

8. Do you think there is any improvement is need for post office savings?

Highly need  Need  No need  Not at all need 

9. What are the important factors that you consider for the selection of post office scheme?

Scheme quality  Good return  Security 

Tax exemption  Managers behavior  other 

10. What are the benefits provided by post office to the public?

Good Return  Security  Tax Exemption 

Scheme Quality  Other 

11. How important are the Sources of information when choosing a post office saving scheme?

Very important  Important  Of little important 

Unimportant 

12. What is your risk perception about the rules and regulations provided by the post office
saving to the public?
Very Risky  Risky  Neither risky  Not at all risky 

13. State the Amount of investment made by you every month?

III
 Up to 200  200-400  400-600  600-1000 

Up to 1000 

14. Which is your preferred investment avenue of post office?

PPF  Senior Citizen Saving Scheme  Post Office Monthly -

Income Scheme  National Saving Certificate  Others 

15. What is the average holding period of your investment?

Less than 2 years  5 years  10 years  over 10 years 

16. How often do you monitor your saving scheme?

Fortnightly  Monthly  quarterly 

Half yearly  Yearly 

17. Are you satisfied with the Managers behavior in post office?

Highly satisfied  Satisfied  Less satisfied 

Not at all satisfied 

18. What is your opinion about the post office saving scheme?

Excellent  Good  Average  Fair  Poor 

IV