Investment pattern refers to the way in which individuals allocate their resources in different types of

assets or investments. The banking sector is an important sector for investment as it provides various
investment options to its employees. This literature review aims to provide a comparative study of
investment patterns in private and government sector bank employees.

Several studies have been conducted on the investment pattern of bank employees. According to a
study conducted by K.S. Bhargava and S. Kaushik in 2013, the investment pattern of bank employees
in India is influenced by various factors such as age, income, risk-taking ability, and awareness of
investment opportunities. The study found that bank employees prefer fixed deposits, followed by
mutual funds and insurance products.

Another study by B. Ravichandran and R. Kalaivani in 2016 compared the investment pattern of
public sector bank employees and private sector bank employees in Tamil Nadu, India. The study
found that public sector bank employees invested more in fixed deposits, whereas private sector
bank employees invested more in mutual funds and shares. The study also found that age and
income were important factors in determining the investment pattern of bank employees.

In a study conducted by Shweta Goyal and Kavita Paliwal in 2015, the investment pattern of female
bank employees in Jaipur, India was analysed. The study found that female bank employees invested
more in fixed deposits and insurance products than in mutual funds and shares. The study also found
that age and income were important factors in determining the investment pattern of female bank
employees.

A study conducted by S.R. Senthil Kumar and R. Radhakrishnan in 2017 compared the investment
pattern of public sector bank employees and private sector bank employees in Coimbatore, India.
The study found that public sector bank employees invested more in fixed deposits and insurance
products, whereas private sector bank employees invested more in mutual funds and shares. The
study also found that age, income, and education level were important factors in determining the
investment pattern of bank employees.

In conclusion, the investment pattern of bank employees in India is influenced by various factors
such as age, income, risk-taking ability, and awareness of investment opportunities. Public sector
bank employees tend to invest more in fixed deposits and insurance products, whereas private
sector bank employees tend to invest more in mutual funds and shares. Gender and education level
also play a role in determining the investment pattern of bank employees. Further research is
needed to understand the investment patterns of bank employees in different regions of India and in
other countries.