A STUDY ON POST OFFICE INVESTMENT SCHEMES AMONG RURAL HOUSEHOLDS IN RAIGAD DISTRICT
Keywords:
Post Office Schemes, Rural Investment, Financial Inclusion, Savings Behaviour, Raigad DistrictAbstract
Post Office Investment Schemes have traditionally served as a dependable savings option, particularly for rural households in India. The present study examines the level of awareness, preferences, and utilization of these schemes among rural households in Raigad District, Maharashtra. It further investigates the factors influencing investment decisions, evaluates satisfaction levels, and identifies key challenges faced by investors.
The study is based on a descriptive research design and utilizes primary data collected from 150 respondents through structured questionnaires and personal interviews. The findings indicate that while traditional schemes such as Savings Accounts, Recurring Deposits, and Monthly Income Schemes enjoy high awareness, knowledge of newer schemes remains comparatively limited. The major motivating factors include safety, government assurance, and guaranteed returns. However, procedural delays and lack of digital literacy continue to hinder wider participation.
The study concludes with suggestions aimed at improving awareness, accessibility, and overall participation in post office investment schemes, thereby strengthening financial inclusion in rural areas.