A STUDY ON PREFERENCES AND LEVEL OF SATISFACTION TOWARDS POST OFFICE SAVINGS SCHEMES (WITH SPECIAL REFERENCE TO COIMBATORE CITY)

Savings is common to all human societies, even if saving practices differ from one another. In India there are multiple investment avenues available to meet differing needs of investors. The investors about saving schemes will have a significant impact on the saving behaviour of people. People who have positive perception about the scheme in which they have invested will continue to invest in the same scheme. Very often, they will start investing on other schemes from the same institutions. The nature of perception that exists among investors about saving schemes and institutions offering such instruments were studied. From the analysis presented here, it is clear that perception of investors has an impact on their risk-bearing capacity and range of investment, it is also stated that perception is influenced by age, experience and tax payment and it has an association with saving motives and behaviour of individuals, it is also to be remembered that if people get good service and good return during their investment tenure, they will have positive perception, otherwise negative perception will persist. It has become all the more important to study and analyse the investors' awareness, perceptions, and preferences, behaviour of various investment avenues available to them in the market