• K.BABY SARANYA
• Dr.R.Hamsalakshmi

The Indian postal system occupies a major source of investment among the rural as well as urban people for a long period. Still its performance is exploring with new verticals of government schemes. The India post is being the largest postal network in the world with 1.5 lakhs post offices across the nation. It has been the backbone of economy which paves a way to procure a pool of investments from the rural people. Crossing 150 years now still it is glowing with new financial inclusions, besides delivering mails it concentrates in number of new savings schemes, retail services, core banking solutions, postal life insurance products, pension schemes in digital mode. From this back ground this paper brings an empirical study on investors preferences towards select post office savings schemes since savings schemes are very traditional and still most people prefer to continue their accounts in post offices. Besides it reaches easily to the middle income and low income people easily it has its own strength so far. The researcher undertook the research in Coimbatore district covering ten taluks with the objective of the level of awareness towards most preferred savings schemes among the investors based on their economic profile and to examine the association between level of awareness and their demographic and socio economic profile. A sample of six hundred and fifty respondents has been considered for the study. It was observed that most preferred schemes are monthly income scheme followed by savings account, time deposit account and KVP and NSC are preferred by a few segments of investors. From the test of hypotheses it is accepted that there is a significant difference between age, gender, occupation, monthly income, educational qualification are playing a major role in selecting the schemes. Finally it is found that the investors prefer to get the maturity amount for further investments, they are satisfied with safety, liquidity and ease of operations when compared to banks.

KEY WORDS: POST OFFICE SCHEMES, PREFERRED SAVINGS SCHEMES, SOCIO AND ECONOMIC PROFILE OF THE INVESTORS

"INVESTORS PREFERENCES TOWARDS SELECT POST OFFICE SAVINGS SCHEMES", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.6, Issue 6, page no.928-939, June 2019, Available :http://www.jetir.org/papers/JETIR1908432.pdf

"INVESTORS PREFERENCES TOWARDS SELECT POST OFFICE SAVINGS SCHEMES", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.6, Issue 6, page no. pp928-939, June 2019, Available at : http://www.jetir.org/papers/JETIR1908432.pdf