Investor attitudes towards

post office deposit schemes

By Dr. R. Ganapathi
Ms. S. Ambu Malar
Scope

 Introduction
 Objective
 Methodology
 Chi-square analysis
 Various hypothesis
 Suggestion
 conclusion
INTRODUCTION
 Various investment opportunities
 Small man bank
 Offering higher returns as compared
with the scheduled banks
OBJECTIVES OF THE STUDY

 To find out the awareness of various

schemes of post office among the public.
 To find out the purpose of investments in
various Schemes of Post Office.
 To study the problems faced by the
depositors depositing in Post Officer
Deposit Schemes.
 To study the investors opinions regarding
tax benefits and Returns from Post Office
Deposit Schemes.
METHODOLOGY
 The study covers only Coimbatore
districts of Tamilnadu State. The area is
selected by taking into account the time
and cost.
 sample of 300 respondents from
Coimbatore District was chosen for the
study.
 The study is based on primary data that
has been collected using a structured
questionnaire.
Contd..
 The first part of the questionnaire is
devoted to the basic information
relating to respondents such as age,
education, marital status, income
level, sources of awareness,
different investment schemes.
 The second considers the purpose
of investment.
Various data collected

 AGE WISE CLASSIFICATION OF THE RESPONDENTS

 MARITAL STATUS OF THE REPONDENTS
 EDUCATION QUALIFICATION OF THE RESPONDENTS
 OCCUPATIONAL STATUS OF THE RESPONDENTS
 INCOME LEVEL OF THE RESPONDENTS
 SOURCES OF THE AWARENESSOF POST OFFICE
DEPOSIT SCHEME
 DIFFERENT TYPES OF DEPOSITS HELD BY
INVESTORS
CHI SQUARE ANALYSIS
 The chi-square statistic is calculated by
finding the difference between each
observed and theoretical frequency for each
possible outcome, squaring them, dividing
each by the theoretical frequency, and
taking the sum of the results.
Hypothesis

 The personal factors of the

respondents have no significant
influence over source of
awareness of post office deposit
scheme.
Personal factors Chi-square Table value *S/NS

Age 50.84 26.296 S

Marital status 15.310 9.488 S

Educational qualification 28.94 21.026 S

Occupational status 30.250 26.296 S

Family monthly income 39.250 26.296 S

HYPOTHESIS
 The personal factors of the
respondents have no significant
influence over media of
advertisement of Post Office
scheme
Personal factors Chi-square Table value *S/NS

Age 109.17 26.296 S

Marital status 18.27 9.488 S

Educational qualification 75.96 21.026 S

Occupational status 59.78 26.296 S

Family monthly income 85.83 26.296 S

HYPOTHESIS
 the personal factors of the
respondents have no significant
influence over media of
advertisement of Post Office
scheme
Personal factors Chi-square Table value *S/NS

Age 109.17 26.296 S

Marital status 18.27 9.488 S

Educational qualification 75.96 21.026 S

Occupational status 59.78 26.296 S

Family monthly income 85.83 26.296 S

Factors I rank II rank III rank IV rank V rank VI rank Vii rank Viii Ix rank X rank
rank
1.Safety and security 138 48 25 34 14 16 6 11 6 2
2.Minimum deposit 30 39 70 62 21 18 15 21 12 12
amount
3.High interest rate 44 82 39 42 29 33 6 6 3 6
4.intrest earned 8 7 54 36 60 42 27 21 30 15
deduction
5.pre mature closures 36 42 48 48 40 29 12 15 18 12
possibility
6.tax & rebate 12 30 3 24 30 40 74 45 30 96
7.bonus 3 18 18 15 27 12 45 60 54 48
8.wealth tax 2 5 7 11 26 31 35 45 42 96
exemption
9.amount gets 9 14 22 20 26 2 27 60 60 42
doubled
10. Deposit pledged. 11 10 21 21 36 29 34 15 15 72
SUGGESTIONS
 awareness should be increased by
proper advertisement
 more organised
 interest rate should be increased
 new methods and procedures to
operate.
 Cumbersome procedure should be
reduced.
CONCLUSION
 The small investors and also who are in
high tax brackets.
 Proper advertisement must be made
 Government should modify the existing
schemes.
 Loan against various certificates and
Patras must be given to the investors
directly
 Investing our amount in Post Office
Deposit Schemes ensures high rate of
return and it Provides Safety and security
THANK YOU

Submitted by
Priyanka aggarwal(125)