• Dr.N.Sakthivel
• S.Dhivyajothi

Post office is probably the oldest organisation in India and was started in the British era in 1854. It started off as delivering posts only, but later on, widened its services by offering other banking services. Because they are backed by the Government, investing in these schemes is considered relatively safe. Post office savings schemes are highly secured since they are under the Government's supervision, and the returns are fixed and guaranteed. Post office savings schemes play a vital role in the Indian economy in promotion of financial inclusion and provide a secure avenue for individuals to invest their savings in profitable manner. Post office savings schemes offer attractive interest rates, ensure a modest return, promote the overall stability of the financial system and savings culture among the people. At present, there are many post office savings schemes which are offered by the post offices in India. Against this background, this research paper deals with the evaluation of performance of various post office savings schemes in India over a period of five years from 2017-2018 to 2021-2022 by using compound growth rate (CGR) technique. The results revealed that all the post office savings schemes which are considered for the analysis had performed positively during the study period of five years from 2017-2018 to 2021-2022. In order to attract the people to make more investment in post office savings schemes, it is suggested that Post Office Authority may increase interest rates and income tax benefits to the Investors.

Post office savings schemes, Interest rate, financial inclusion and National savings certificate.

"An Evaluation of Performance of Post Office Savings Schemes in India", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 1, page no.b321-b330, January-2024, Available :http://www.jetir.org/papers/JETIR2401135.pdf

"An Evaluation of Performance of Post Office Savings Schemes in India", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 1, page no. ppb321-b330, January-2024, Available at : http://www.jetir.org/papers/JETIR2401135.pdf