List of Tables Table Title Page No. 3.1 Population Category 41 3.2 Post Office Savings Schemes 47 3.3 Savings Bank Scheme: Profile ( As on 31.03.2010) 49 3.4 Revision in Interest Rates of Postal Savings Schemes 51 3.5 Postal Savings 52 3.6 Postal Savings ( Contd.) 53 3.7 Postal Savings ( Contd.) 54 3.8 Postal Savings 55 3.9 Performance of PLI/ RPLI 56 3.10 Postal Life Insurance(PLI) 57 3.11 Rural Postal Life Insurance(RPLI) 59 4.1 Investors and Sample Respondents 62 4.2 Gender of the Respondents 68 4.3 Age of the Respondents 69 4.4 Education of the Respondents 70 4.5 Marital Status of the Respondents 72 4.6 Family Size of the Respondents 73 4.7 Annual Income of the Respondents 74 4.8 Source of Income of the Respondents 76 4.9 Factors Motivated to Investment 77 4.10 Distribution of Sample Investors based on their Investment 78 4.11 Maturity Period of the Investments 80 4.12 Channels to know about the Postal Investment Schemes 81 5.1.1 Post Office Time Deposits 84 5.1.2 Total Variance and Factors 84 5.1.3 Extracted Factors 85 5.1.4 Component Score Co-efficient Matrix 85 5.1.5 Factor Structure 86 7
5.2.1 Post Office Recurring Deposits 5.2.2 Total Variance and Factors 88 5.2.3 Extracted Factors 89 5.2.4 Component Score Co-efficient Matrix 89 5.2.5 Factor Structure 90 5.3.1 Post Office Monthly Income Scheme 5.3.2 Total Variance and Factors 92 5.3.3 Extracted Factors 92 5.3.4 Component Score Co-efficient Matrix 93 5.3.5 Factor Structure 94 5.4.1 National Savings Certificate 5.4.2 Total Variance and Factors 96 5.4.3 Extracted Factors 96 5.4.4 Component Score Co-efficient Matrix 97 5.4.5 Factor Structure 98 5.5.1 National Savings Scheme 5.5.2 Total Variance and Factors 100 5.5.3 Extracted Factors 100 5.5.4 Component Score Co-efficient Matrix 101 5.5.5 Factor Structure 102 5.6.1 Public Provident Fund 5.6.2 Total Variance and Factors 104 5.6.3 Extracted Factors 104 5.6.4 Component Score Co-efficient Matrix 105 5.6.5 Factor Structure 106 5.7.1 Deposit Scheme for Retiring Government Employees of Public Sector Companies 87 91 95 99 103 107 8
5.7.2 Total Variance and Factors 107 5.7.3 Extracted Factors 108 5.7.4 Component Score Co-efficient Matrix 108 5.7.5 Factor Structure 109 5.8.1 Postal Life Insurance 5.8.2 Total Variance and Factors 111 5.8.3 Extracted Factors 112 5.8.4 Component Score Co-efficient Matrix 112 5.8.5 Factor Structure 113 5.9.1 Senior Citizens Savings Scheme 5.9.2 Total Variance and Factors 115 5.9.3 Extracted Factors 115 5.9.4 Component Score Co-efficient Matrix 116 5.9.5 Factor Structure 117 5.10.1 Test of Hypothesis: Age Group of Respondents and Maturity Period Postal Investment 118 5.11.1 Test of Hypothesis: Education of Respondents and to know about the Postal Investment Schemes 119 5.12.1 Test of Hypothesis: Annual income of Respondents and Opinion about the Response officials 120 5.13.1 Test of Hypothesis: Age Group of Respondents and Level of Satisfaction of Services by the Post Office 121 5.14.1 Test of Hypothesis: Age Group of Respondents and Level of Satisfaction of Services by the Banks 122 5.15.1 Test of Hypothesis: Age Group of Respondents and Level of Satisfaction of Services by the Agents 123 5.16.1 Test of Hypothesis: Age Group of Respondents and Level of Satisfaction of Services by the Others 124 5.17.1 Test of Hypothesis: Education of Respondents and Level of Satisfaction of Services by the Post 125 Office 5.18.1 Correlation Matrix of Demographic Variables (X) of Postal Investment Holders and Open Postal Investment Procedure 126 (Y) 6.1 (a) Age and Investors Attitude towards Savings 128 6.1 (b) Chi-square test-age and Investors Attitude towards Savings 129 6.2 (a) Education and Investors Attitude towards Savings 131 110 114 9
6.2 (b) Chi-square test and Investors Attitude towards savings 132 6.3 (a) Income and Investors Attitude towards Savings 133 6.3 (b) Chi-square test and Investors Attitude towards Savings 134 6.4 (a) Age and Investors Attitude towards Postal Investment Schemes 135 6.4 (b) Chi-square test-age and Investors Attitude towards Postal Investment Schemes 138 6.5 (a) Education and Investors Attitude towards Postal Investment Schemes 140 6.5 (b) Chi-square test-education and Investors Attitude towards Postal Investment Schemes 144 6.6 (a) Income and Investors Attitude towards Postal Investment Schemes 147 6.6 (b) Chi-square test and Investors Attitude towards Postal Investments Schemes 149 6.7 (a) Age and Investors Attitude towards Agents 152 6.7 (b) Chi-square test-age and Investors Attitude towards Agents 153 6.8 (a) Education and Investors Attitude towards Agents 154 6.8 (b) Chi-square test and Investors Attitude towards Agents 155 6.9 (a) Income and Investors Attitude towards Agents 156 6.9 (b) Chi-square test and Investors Attitude towards Agents 157 6.10 (a) Age and Investors Attitude towards Post Office 158 6.10 (b) Chi-square test-age and Investors Attitude towards Post Office 160 6.11 (a) Education and Investors Attitude towards Post Offices 161 6.11(b) Chi-square test and Investors Attitude towards Post office 163 6.12 (a) Income and Investors Attitude towards Post Office 164 6.12 (b) Chi-square test and Investors Attitude towards Post Office 166 6.13 (a) Age and Investors Attitude towards Services 167 6.13 (b) Chi-square test-age and Investors Attitude towards Services 168 6.14 (a) Education and Investors Attitude towards Services 169 6.14 (b) Chi-square test and Investors Attitude towards Services 170 10
6.15 (a) Income and Investors Attitude towards Services 171 6.15 (b) Chi-square test and Investors Attitude towards Services 173 6.16 (a) Age and Investors Attitude towards Advertisement 174 6.16 (b) Chi-square test-age and Investors Attitude towards Advertisement 175 6.17 (a) Education and Investors Attitude towards Advertisement 176 6.17 (b) Chi-square test and Investors Attitude towards Advertisement 177 6.18 (a) Income and Investors Attitude towards Advertisement 178 6.18 (b) Chi-square test and Investors Attitude towards Advertisement 179 11
List of Figures Figure Title Page No. 3.1 Map of Dharmapuri District 40 3.2 India Post - Organization Chart 46 3.3 Postal Life Insurance(PLI) 58 3.4 Rural Postal Life Insurance(RPLI) 59 4.1 Gender-wise Classification of the Respondents 68 4.2 Age-wise Classification of the Respondents 69 4.3 Education- wise classification of the Respondents 71 4.4 Marital Status of the Respondents 72 4.5 Family Size of the Respondents 73 4.6 Annual Income of the Respondents 75 4.7 Source of Income of the Respondents 76 4.8 Factors Motivated to Invest 78 4.9 Distribution of Sample Investors based on their Investment 79 4.10 Maturity Period of the Investments 80 4.11 Channels of Postal Investment Schemes 82 12
List of Abbreviations SI. No. Abbreviation Explanation 1. PO Post Office 2. IPO Indian Postal Order 3. FPO Foreign Post Office 4. HO Head Office 5. SO Sub Office 6. BO Branch Office 7. NPO Night Post office 8. RMS Railway Mail Service 9. MO Money Order 10. SP Speed Post 11. SB Saving Bank 12. RD Recurring Deposit 13. TD Time Deposit 14. MIS Monthly Income Scheme 15. NSC National Saving Certificate 16. PPF Public Provident Fund 17. SCSS Senior Citizens Savings Scheme 18. KVP Kisan Vikas Patras 19. PLI Postal Life Insurance 20. RPLI Rural Postal Life Insurance 13