GOVERNMENT EMPLOYEE WEALTH MANAGEMENT: INSIGHTS INTO SAVINGS AND INVESTMENTS IN GUJARAT

This study seeks to investigate the saving and investment approaches employed by government employees located in Godhra, Gujarat. The research is centred on gaining insights into the financial habits, decision-making processes, and choices made by government employees concerning their saving and investment routines. The data collection involved conducting structured interviews with a targeted sample size of 100 government employees. These interviews yielded primary data that offers valuable information about the participants' saving patterns, investment inclinations, financial objectives, and perceptions of risk. The study delves into various factors that influence the saving and investment strategies adopted by government employees, including factors such as income levels, educational backgrounds, and financial literacy. In addition to primary data, secondary sources of information, such as research papers, reports, and statistical data, were utilised to provide a broader context and substantiate the findings. By amalgamating both primary and secondary data, this research facilitates a comprehensive analysis of the saving and investment approaches embraced by government employees in Godhra. The outcomes of this study make a significant contribution to the existing body of knowledge concerning the saving and investment behaviours of government employees in Gujarat. The insights derived from this research hold the potential to guide policymakers, employers, and financial institutions in tailoring targeted initiatives to encourage more effective saving and investment practices among government employees. Furthermore, this study offers a region-specific perspective on the particular challenges, opportunities, and preferences encountered by government employees in Godhra.