1.

AGE GROUP OF RESPONDANTS

AGE GROUP NUMBER OF PERCENTAGE

RESPONDANTS
21-30 13 21.667
31-40 11 18.333
41-50 26 43.333
MORE THAN 50 10 16.667
TOTAL 60 100
Table 6.1

PERCENTAGE
50
45
40
35
30 PERCENTAGE
25
20
15
10
5
0
21-30 31-40 41-50 MORE THAN 50

FIGURE: 6.1

INTERPRETATION

From the above study it is clear that the age group of respondents from out of 60 sample size
is following:-Between 21-30 yrs-21.667% (approx.22%),Between 31-40yrs
18.33%,Between 41 - 50yrs 43.333%And more than 50yrs - 16.667 (approx. 17)

2. GENDER

Table 6.2

GENDER NUMBER OF PERCENTAGE

RESPONDENTS
MALE 20 33.33
FEMALE 40 66.67
TOTAL 60 100
 FIGURE:6.2

INTERPRETATION
From the above chart we can observe that out of 60 investors ( i.e , the sample size ) ,
33% of the employees are categorised under male and the remaining 67% as females.

3. EDUCATIONAL QUALIFICATION

Table 6.3

QUALIFICATION NUMBER OF PERCENTAGE

RESPONDANT
S
PROFESSIONAL 12 20
P.G 3 5
DEGREE 12 20
DIPLOMA 11 18.33
HSE 13 21.66
SSLC 3 5
TOTAL 60 100

PERCENTAGE
25

20

15 PERCENTAGE

10

0
PROFESSIONAL PG DEGREE DIPLOMA HSE SSLC

FIGURE:- 6.3

INTERPRETATION
From the above data , it is clear that the qualification as per the data collected from
the sample says that a 20% professionals,5% post graduates, 20% degree,18.33%
diploma,21.66% HSE,5% SSLC

4. SIZE OF THE HOUSEHOLD

Table 6.4

SIZE OF THE NUMBER OF PERCENTAGE

HOUSEHOLD RESPONDANTS

1-2 13 21.66
3-5 21 35
MORE THAN 5 26 43.33
TOTAL 60 100

PERCENTAGE
50
45
40
35
30 PERCENTAGE
25
20
15
10
5
0
01-Feb 03-May MORETHAN 5

FIGURE:- 6.4

INTERPRETATION
As per the sample taken for the study the number of the members in the family
consists of 1-2 number is 21.66%,3-5 is 35%, more than 5 is 43.33%.

5. OCCUPATION

Table 6.5

OCCUPATION NUMBER OF PERCENTAGE

RESPONDANT
S
AGRICULTURE 12 20
BUSINESS 3 5
HOUSE WIFE 12 20
GOVERNMENT 11 18.33
EMPLOYEE
RETIRED 13 21.66
OTHERS 3 5
TOTAL 60 100
 PERCENTAGE
25

20

15

PERCENTAGE
10

FIGURE: 6.5

INTERPRETATION
As per the sample taken for the study the occupation of employees who have been a
part of the study about investors attitude towards post office saving schemes in Mala
town is agriculture is 20%, business -5% ,house wife -20%,government employees-
18.33%,retired -21.66%,others-5%

6. FAMILY MONTHLY INCOME

Table 6.6

EXPERIENCE LEVELS NUMBER OF PERCENTAGE

RESPONDANTS
UPTO 100000 25 41.66
100000-150000 25 41.66
150000-200000 5 8.33
ABOVE 200000 5 8.33
TOTAL 60 100
 MONTHLY INCOME
UP TO 10000 100000-150000 150000-200000

8%
8%

42%

42%

FIGURE:6.6

INTERPRETATION

This shows the brief view of the annual income scale availed for the investors who,
where taken as the sample for the study, on behalf of their experience and qualifications.

7. PERCENTAGE OF ANNUAL INCOME SAVED FOR INVESTMENT

Table 6.7

INCOME % GROUP NUMBER OF PERCENTAGE

RESPONDANTS
5-10% 13 21.66
10-20% 21 35
20% AND ABOVE 26 43.33
TOTAL 60 100
 PERCENTAGE
50
45
40
35
30 PERCENTAGE
25
20
15
10
5
0
5-10% 10-20% 20% AND ABOVE

FIGURE:6 .7

INTERPRETATION

The above diagram along with the tabulation studied shows the percentage of annual income
saved for investment at which the sample investors who were taken for the study were
categorised into, in which 5-10% is 21.66%, 10-20% is 35, 20% and above is 43.33 %.

8. SOURCE OF INFORMATION ABOUT POST OFFICE SAVINGS

Table 6.8
 SOURCES NUMBER OF PERCENTAGE
RESPONDANTS
ADVERTISEMENT 2
SPOUSE 2
FRIENDS & 25 34
RELATIVES
AGENTS 15 12
POST OFFICE 12 10
EMPLOYEES
TOTAL 60 100

PERCENTAGE
40
35
30
25
20
15
10 PERCENTAGE
5
0

FIGURE:6.8
INTERPRETATION
This states the information about the source of information about post office saving schemes in the
Mala town the study highlights 8.3% of respondents are of 1 yr experience,11.66% of 2 yrs
experience,10% of 3 yrs experience,2% of advertisement,2% ofspouse,34% of friends and family,12%
of agents,10% of post office employees

9. THE AMOUNT OF INVESTMENT MADE BY YOU EVERY MONTH

Table 6.9

AMOUNT NUMBER OF PERCENTAGE

RESPONDANTS
UP TO 200 25 29
201-400 25 19
400-600 5 22
UP TO 1000 5 30
TOTAL 60 100

PERCENTAGE
35

30

25

20 PERCENTAGE

15

10

0
UP TO 200 201-400 400-600 UP TO1000

FIGURE 6.9

INTERPRETATION
The above study was conducted so as to know the amount of investment of investors for every month,
and it clearly states that up to 200 is 29% , while 201-400 is19% of the employees , 400-600 is13%
and up to 1000 is30%

10. WHAT WOULD YOU DO WHEN THE POST OFFICE SAVINGS SCHEMES
ATTAINS ITS MATURITY
Table 6.10

DECISIONS OR NUMBER OF PERCENTAGE

CHOICES RESPONDANTS
RENEW THE 25 20
INVESTMENT IN THE
SAME SCHEME
INVEST IN 25 35
ALTERNATIVES POS
SCHEMES
INVEST IN 5 25
INVESTMENT
ALTERNATIVES
RETAIN THE 5 20
INVESTMENT
TOTAL 60 100

PERCENTAGE
40
35
30
25
20
15
10
5
0
PERCENTAGE

FIGURE :6.10

INTERPRETATION
This very analysis studies about what investors do when the post office savings attains its maturity
and the study mentions that 20% are renew the investment ,35% are invest in alternative pos
schemes , 25% are invest in investment alternatives and a 20% of investors stated retain the
investment.
 11. WHAT WOULD YOU DO ,WHEN INVESTMENT GIVES A LOW RATE
INTEREST

Table 6.11

DECISIONS AND NUMBER OF PERCENTAGE

CHOICES RESPONDANTS
DEPOSIT AGAIN IN POST 25 25
OFFICE
OPTING OTHER 25 28.33
INVESTMENT AVENUES
THAN POST SCHEMES
INVEST IN INVESTMENT 5 21.667
ALTERNATIVES
RETAIN THE 5 25
INVESTMENT
TOTAL 60 100

PERCENTAGE

NOT SATISFIED; 25% DEPOSIT AGAINST IN POST OFFICE; 25%

INVEST IN INVESTMENT ALTERNATIVES; 22%
OPTING OTHER INVESTMENT AVENUES HAN POSTAL SCHEMES; 28%

FIGURE: 6.11

INTERPRETATION
This study analysis on the what the investors do when the investment gives a low rate of
interest qualification.25% deposit again in post office, 28.33% is opting other investment
avenues than postal schemes,21.667% is invest in investment alternatives and a strong 25%
is retain the investment.

12. WHAT DO YOU LOOK BEFORE INVESTING IN A PARTICULAR

INVESTMENT OPTION

Table 6.12

PARTICULARS NUMBER OF PERCENTAGE

RESPONDANT
 S
RETURNS 12 20
MINIMUM 12 20
INVESTMENT
AMOUNT
LOCKING 11 18.33
PERIOD
RISK 13 21.66
TYPE OF 3 10.01
INVESTMENT
OTHER 6 10
FACTORS
TOTAL 60 100

PERCENTAGE
25
20
15
10
5
0 PERCENTAGE

FIGURE: 6. 12

INTERPRETATION

The study shows that what the investors look before investing in a particular
investment option .Which is 20% returns, minimum investment amount is 20%,
locking period is 18.33%, risk is 21.66% type of investment option is 10.01% and
other factors are 10%.

13. DO YOU PREFER TO INVEST FOR LONG TERM OR SHORT TERM

DURATION

Table 6.13

DURATION NUMBER OF PERCENTAGE

 RESPONDENTS
LONG TERM 20 33.31
SHORT TERM 40 66.69
TOTAL 60 100

PERCENTAGE OF DURATION PERIOD

33%
LONG TERM
SHORT TERM

67%

FIGURE:6.13

INTERPRETATION

From the above chart we can observe that out of 60 investors (i.e. the sample size)33.31%
prefer to invest in long term , 66.69% of the investors are short term investors.

14. WHERE DO YOU PREFER TO INVEST YOUR MONEY

Table 6.14

PARTICULARS NUMBER OF PERCENTAGE

RESPONDENTS
MUTUAL FUNDS 12 20
ULIP PLANS 3 5
FIXED DEPOSIT 12 20
POST OFFICE 11 18.33
DEPOSIT
REAL ESTATE 13 21.66
SHARE/COMMODIT 3 5
Y
OTHER 6 10
INVESTMENT
 OPTIONS
TOTAL 60 100

PERCENTAGE

OTHER INVESTMENT OPTION; 10%

MUTUAL
SHARE/COMMODITY MARKET; FUNDS ; 20%
5%

ULIP PLANS; 5%
REAL ESTATE; 22%

FIXED DEPOSITS; 20%

POST OFFICE DEPOSITS; 18%

FIGURE: 6 .14

INTERPRETATION

As per the sample taken for the study where the investors prefer to invest the money in Mala
town area, and their brief statistics stated 10% other investment options.5% share /
commodity market,22% real estate, 18% post office deposit, 20% of them as fixed
deposits,5% of them as ULIP and finally 20 %of them as mutual funds.

15. WHICH INVESTMENT OPTION

Table 6.15

PARTICULARS NUMBER OF PERCENTAGE

RESPONDANTS
MUTUALFUNDS 12 20
ULIP PLANS 3 20
FIXED DEPOSIT 12 10
POST OFFICE 11 22
DEPOSIT
REAL ESTATE 13 19
SHARE/COMMODITY 3 5
MARKET
OTHER INVESTMENT 6 4
OPTIONS
TOTAL 60 100
FIGURE: 6.15

PERCENTAGE

SHARE/COMMODITY MARKET; 5% OTHER INVESTMENT OPTION; 4%

MUTUAL FUNDS ; 20%
REAL ESTATE; 19%

ULIP PLANS; 20%

POST OFFICE DEPOSITS; 22%

FIXED DEPOSITS; 10%

INTERPRETATION

As per the sample taken for the study which the investment option has less risk, and their
brief statistics stated 10% fixed deposits.5% share / commodity market,19% real estate,
22% post office deposit, ,20% of them as ULIP and finally 20 % of them as mutual funds
,share/commodity 5% and other investment option is 4%.

16. WHICH OPTION GIVES MORE RETURNS

Table 16.16

PARTICULARS NUMBER OF PERCENTAGE

RESPONDENTS
MUTUAL FUNDS 12 20
ULIP PLANS 11 5
FIXED DEPOSIT 6 20
POST OFFICE DEPOSIT 3 18.33
REAL ESTATE 13 21.66
SHARE/COMMODITY 3 5
MARKET
OTHER INVESTMENT 6 10
OPTIONS
 TOTAL 60 100

PERCENTAGE

OTHER INVESTMENT OPTION; 10%

MUTUAL
SHARE/COMMODITY MARKET; FUNDS ; 20%
5%

ULIP PLANS; 5%
REAL ESTATE; 22%

FIXED DEPOSITS; 20%

POST OFFICE DEPOSITS; 18%

FIGURE: 6.16

INTERPRETATION

As per the sample taken for the study about which option gives more return , and their brief
statistics stated 10% other investment options.5% share / commodity market,22% real
estate, 18% post office deposit, 20% of them as fixed deposits,5% of them as ULIP and
finally 20 %of them as mutual funds.

17. FOR INVESTING IN FIXED DEPOSIT / POST OFFICE DEPOSIT

SCHEMES
Table 6.17

REASONS NUMBER OF PERCENTAGE

RESPONDENTS
RETURNS 28 44
NO RISK INVESTMENT 32 56
TOTAL 60 100
 PERCENTAGE

RETURNS
44% NO RISK INVESTMENT

56%

FIGURE: 6.17

INTERPRETATION

From the above chart, we can observe that out of 60 investors (i.e. the sample size), 44% of
the reason for investing FD or post office savings is return and the remaining 56% is no risk
investment.

18.WOULD YOU RECOMMENDED POST OFFICE SAVING

SCHEMES TO YOUR FRIENDS AND RELATIVES
Table 6.18

PARTICULARS NUMBER OF PERCENTAGE

RESPONDANTS
YES 40 61.5
NO 20 38.5
TOTAL 60 100
 PERCENTAGE

39% YES
NO

62%

FIGURE: 6.18

INTERPRETATION

From the above chart, we can study that out of 60 investors (i.e. the sample size) 61.5% are
recommended, post office saving schemes to their friends and relatives and the remaining
38.5% are not recommended

19. DO YOU KNOW ABOUT POST OFFICE OFFER TAX SAVING TIME
DEPOSIT?

Table 6.19

PARTICULARS NUMBER OF PERCENTAGE

RESPONDENTS
YES 45 58
NO 15 42
TOTAL 60 100
 PERCENTAGE

42%
YES NO

58%

FIGURE: 6.19

INTERPRETATION

From the above chart, we can study that out of 60 investors (i.e. the sample size) 58% are
aware about tax saving time deposit and the remaining 42% is not aware.

20. GIVE YOUR OPINION WHEN POST OFFICE SAVINGS YIELD

LOW INTEREST
Table 6.20

DECISION NUMBER OF PERCENTAGE

RESPONDENTS
DISCONTINUE THE 40 26.8
SCHEME
WILL CONTINUE THE 20 73.2
SCHEME
TOTAL 60 100
 PERCENTAGE

27%

DISCONTINUE
CONTINUE

73%

FIGURE: 6.20

INTERPRETATION
This particular study states the out of 60 investors in Mala Town, about 73% will continue when the
scheme yield low interest and remaining 27% will discontinue.