Investors’ Perception towards Various Investment Avenues with

India Post Payment Bank

Dr. Hemali G. Broker*, Dr. Harshita Vijaywargi**, Dr. Mallika Babu**,
Noghanavadra HarshKumar Gokulbhai ***

ABSTRACT:
Post offices of India have played a vital role in the past for providing investment opportunities to
the individuals both in the urban as well as rural regions. When we talk about investments, it’s
the investors’ perception which is at the center of his investment decision. The investors usually
do extensive research before investing their hard-earned money. India Post Payments Bank
(IPPB) was set up in 2017 under the Department of Post, Ministry of Communication with 100%
equity owned by the Government of India. IPPB provides all the types of banking and
investment avenues. An attempt is made to understand the perception of the investors while
investigating with IPPB investment schemes. The amount of income, the number of family
members, educational qualification, marital status, occupation predominant factors which shape
the perception of the investors while investing. These demographic/ socio-economic factors are
studied for the variables like the expected earnings, security of their money, documentation
procedure, returns, objectives of investment, liquidity, flexibility and their risk bearing capacity.
The research is conducted at Kadi, Kalol, & Gandhinagar. Post Office Savings Schemes (POSS)
have investment avenues like PPF, RD, FD, PLI, KVP, etc. Except POSS, investments in mutual
funds, gold, real estate are also considered in order to get a real picture about the investment
pattern of the investors in these areas. Elderly people rely more on POSS as they are safer and
the returns are secured with them. Majority of the investors irrespective of their age group,
education, income and opinion of savings, agree that savings are important for securing their
future needs.

Introduction:
As the post office is present from further than 150 times playing a major part in communication
and small deposits. It has overcome the hedge of communication all through the nation which
has helped in the socio- profitable development of the country. There are about1.5 lakhs post
services in the country which provides different types of saving schemes. With the vision to
make the most accessible, affordable and trusted bank for the common man in India, in 2018
high minister launched Indian Post Payment Banks with 100 equity possessed by government of
India. It's a payments bank of the Indian Postal Department which works through a network of
post services. IPPB has expanded its strength across India covering post services. Presently
IPPB under department of post has 650 branches and1.37 lakh banking access points through
post services network visageIndia.in January 2022, the bank has further than 8 crore guests. It
provides services like post office saving account, postal life insurance, recreating deposit, PPF,
Sukanya samridhi account, loan against recreating deposit etc. It's important to study investors’
perception towards colourful investment schemes with IPPB. The ideal of the study is to identify
various IPPB schemes and different comprehensions of investors towards colourful investment
schemes. demographic factors are studied for different variables to know the perception of the
investors.
Indian post is the oldest investment service offered in India. Postal services and their capabilities can serve as an
indispensable banking outcome for the better improvement of financial inclusion by studying the role of post
offices in financial inclusion and the problems and challenges of Indian Post in financial inclusion. Several studies
are being conducted on investor perception towards various investment avenues with Indian Post Payments Bank
Sultana A. stated that India Post plays a very important role in financial inclusion with its existing network and
reach especially in rural areas.i
i
Sultana, A. (2020). role of Indian Postal service sector in financial inclusion with special consideration to
India Post Payments Bank (IPPB). Guwahati: PJAEE.