A STUDY ON SAVINGS AND INVESTMENT PATTERN OF

SALARIED CLASS PEOPLE WITH SPECIAL REFERENCE TO

PALAKKAD AREA

PROJECT REPORT 2021-22

A Project report submitted to the University of Calicut

in partial fulfilment of the requirement for the award of the Degree of

Bachelor of Commerce with Finance

Submitted by
RAMEESA
(YVATBCM123)
Under the Supervision and Guidance of
Ms. RAMYA K
(Assistant Professor, PG Department of Commerce)

PG DEPARTMENT OF COMMERCE

YUVAKSHETRA INSTITUTE OF MANAGEMENT STUDIES

EZHAKKAD

2021-2022
 DECLARATION

I hereby declare that the project report entitled, “A STUDY ON SAVINGS AND INVESTMENT
PATTERN OF SALARIED CLASS PEOPLE WITH SPECIAL REFERENCE TO
PALAKKAD AREA” is a project carried out by me under the guidance of Ms. RAMYA K,
Assistant Professor, PG Department of Commerce of YUVAKSHETRA INSTITUTE OF
MANAGEMENT STUDIES, PALAKKAD, in partial fulfilment for the award of Degree in
Bachelor of Commerce in Finance.

I also declare that this project is the outcome of my own effort with the best of knowledge and
belief. I also declare that this project has not been submitted to any other University or Institute
for the award of any other degree, Diploma or Certificate.

Place: Palakkad Signature

Date:
RAMEESA
(YVATBCM123)
YUVAKSHETRA INSTITUTE OF MANAGEMENT STUDIES COLLEGE, PALAKKAD

PG DEPARTMENT OF COMMERCE

CERTIFICATE

Certified that this Project Report titled “A STUDY ON SAVINGS AND INVESTMENT
PATTERN OF SALARIED CLASS PEOPLE WITH SPECIAL REFERENCE TO
PALAKKAD AREA” is a bona fide work carried out by RAMEESA (YVATBCM123) B.com
sixth semester (2021-2022), YUVAKSHETRA INSTITUTE OF MANAGEMENT
STUDIES, Palakkad.

It is submitted to the University of Calicut in partial fulfilment of the requirement for the award
of the degree of Bachelor of Commerce.

Ms. RAMYA K Dr. MATILDA DANNY

(Assistant Professor in Commerce) (Head of the PG Department of Commerce)

External Examiner
 ACKNOWLEDGEMENT

I submit this report “A STUDY ON SAVINGS AND INVESTMENT PATTERN OF

SALARIED CLASS PEOPLE WITH SPECIAL REFERENCE TO PALAKKAD AREA”
with an immense sense of gratitude towards all those who have helped me in various ways for this
humble endeavour.

First of all, I express my gratitude to almighty who give me strength to complete the project within
the limited time period.

I would like to express my profound thanks to Rev.Dr. MATHEW GEORGE VAZHAYIL,

Director of Yuvakshetra Institute of Management Studies for giving me an opportunity to study in
this esteemed institution.

I would like to extend my sincere thanks to our Principal Dr. TOMY ANTONY for his constant
supervision throughout the project.

I extend my heartfelt thanks to our Vice Principal Rev. Dr. JOSEPH OLIKKALKOONAL for his
constant support in all our activities.

I express my sincere thanks to Dr. MATILDA DANNY, Head of PG Department of Commerce

for giving me valuable guidance throughout the period of training.

I bound to submit my deep sense of thankfulness to our beloved faculty and my project guide Ms.
RAMYA K, Assistant professor PG Department of Commerce.

It gives me great pleasure to convey my gratitude to all the teaching faculties of my college and
sincere regards for my parents and other family members for their encouragement and inspiration
throughout the project.

Lastly, I express my heartfelt thanks to all my dear friends for their suggestion, ideas and help,
also to the respondents for their utmost cooperation.

RAMEESA
(YVATBCM123)
 CONTENTS

CHAPTER PAGE
CHAPTERS
NO. NO.

1 INTRODUCTION 1-4

2 REVIEW OF LITERATURE 5-7

3 THEORETICAL FRAMEWORK 8-16

4 DATA ANALYSIS AND INTERPRETATION 20-44

FINDINGS, SUGGESTIONS AND

5 45-48
CONCLUSION

BIBLIOGRAPHY

APPENDIX
 LIST OF TABLES
SL. NO TITLE OF TABLE PAGE .NO

4.1 QUALIFICATION OF THE RESPONDENT 20

4.2 OCCUPATION OF THE RESPONDENTS 21

4.3 NATURE OF ORGANIZATION 22

4.4 MONTHLY INCOME OF THE RESPONDENTS 23

4.5 SOURCES OF INFORMATION ABOUT INVESTMENT 24

4.6 OBJECTIVE OF SAVINGS 25

4.7 OBJECTIVE OF INVESTMENT 26

4.8 AVENEUS OPTED FOR INVESTMENT 27

4.9 PURPOSE BEHIND INVESTMENT OF RESPONDENT 28

4.10 RESPONDENTS TIME PERIOD TO INVESTMENT 29

4.11 RESPONDENTS PERCENTAGE OF INCOME ON 30

INVESTMENT
4.12 RESPONDENTS CRITERIA ON INVESTMENT 31

4.13 FACTORS INFLUENCING ON INVESTMENT OF THE 32

RESPONDENT
4.14 LEVEL OF SATISFACTION ON INVESTMENT OF THE 33
RESPONDENT
4.15 LEVEL OF RISK ON INVESTMENT OF THE RESPONDENT 34

4.16 CONSULT FOR TAKING INVESTMENT DECISION OF THE 35

RESPONDENT
4.17 RISK OF LOSING INVESTMENT AMOUNT 36
4.18 SECTOR PREFER TO INVEST MONEY 37
4.19 INVESTMENT AND SAVINGS TARGET AMOUNT AIM FOR 38
EACH YEAR
4.20 RATE OF INVESTMENT TO GROW 39
4.21 MONEY BORROWED FOR INVESTMENT FROM BANKS 40
OR OTHER SOURCES
4.22 MONEY INVESTED IN SHARE MARKET 41
4.23 TYPICAL ATTITUDE WHEN MAKING IMPORTANT 42
FINANCIAL/INVESTMENT DECISION
4.24 THE OPINION OF RESONDENTSABOUT INVESTMENT 43
PREFERENCE
4.25 THE INVESTMENT EXPERIENCE 44
 LIST OF CHARTS
SL. NO TITLE OF CHART PAGE .NO

4.1 QUALIFICATION OF THE RESPONDENT 20

4.2 OCCUPATION OF THE RESPONDENTS 21

4.3 NATURE OF ORGANIZATION 22

4.4 MONTHLY INCOME OF THE RESPONDENTS 23

4.5 SOURCES OF INFORMATION ABOUT INVESTMENT 24

4.6 OBJECTIVE OF SAVINGS 25

4.7 OBJECTIVE OF INVESTMENT 26

4.8 AVENEUS OPTED FOR INVESTMENT 27

4.9 PURPOSE BEHIND INVESTMENT OF RESPONDENT 28

4.10 RESPONDENTS TIME PERIOD TO INVESTMENT 29

4.11 RESPONDENTS PERCENTAGE OF INCOME ON 30

INVESTMENT
4.12 RESPONDENTS CRITERIA ON INVESTMENT 31

4.13 FACTORS INFLUENCING ON INVESTMENT OF THE 32

RESPONDENT
4.14 LEVEL OF SATISFACTION ON INVESTMENT OF THE 33
RESPONDENT
4.15 LEVEL OF RISK ON INVESTMENT OF THE RESPONDENT 34

4.16 CONSULT FOR TAKING INVESTMENT DECISION OF THE 35

RESPONDENT
4.17 RISK OF LOSING INVESTMENT AMOUNT 36
4.18 SECTOR PREFER TO INVEST MONEY 37
4.19 INVESTMENT AND SAVINGS TARGET AMOUNT AIM FOR 38
EACH YEAR
4.20 RATE OF INVESTMENT TO GROW 39
4.21 MONEY BORROWED FOR INVESTMENT FROM BANKS 40
OR OTHER SOURCES
4.22 MONEY INVESTED IN SHARE MARKET 41
4.23 TYPICAL ATTITUDE WHEN MAKING IMPORTANT 42
FINANCIAL/INVESTMENT DECISION
4.24 THE OPINION OF RESONDENTSABOUT INVESTMENT 43
PREFERENCE
4.25 THE INVESTMENT EXPERIENCE 44