© 2018 JETIR September 2018, Volume 5, Issue 9 www.jetir.org (ISSN-2349-5162) JETIR1809886 Journal of Emerging Technologies and Innovative Research (JETIR) www.jetir.org 613 Attitude of Investors Towards Post Office Savings, Deposits and the Bonds – A Study *Dr.G.Prahlad Chowdri, Associate Professor of Commerce, Govt R.C.College of Commerce and Management, Bengaluru. Abstract This paper attempts to analyse the investor’s behaviour towards post office saving schemes .Indian Post Office Savings Bank being the largest savings institutions in the country play a vital role in moblising savings especially in the rural part of the country and offer numerous benefits to the investors. Post office small saving schemes once hailed as people's movement are losing sheen for the rural household. Recurring Deposits, Post Office Saving Bank A/C and Post Office Monthly Income Schemes are the main instruments for investment. Friends and relatives are the main source of information for investment. Declining interest rates, inadequate promotion, lack of value added facilities, poor hospitality, slow pace of automation etc. are the main the reasons for the decline in net collections of post office small saving scheme.Financial institutions like banks, insurance companies, mutual funds, post office savings banks, companies etc. provides different types of financial instruments to an individual to park his savings as per his requirements. But it takes momentum only after the enactment of the Government Saving Bank Act in 1873 and Post Office Saving Bank of India in 1882. In 1886 government merged the Government District Saving Banks with Post Office Saving Bank (POSB). After independence government set up the National Saving Organisation in 1948 to use small saving schemes as an important tool for meeting its financial requirement. Government also enacted the National Saving Certificate Act-1959 and Public Provident Fund Act-1968 and included the Post Office Saving Bank in the seventh schedule of the Indian Constitution. Later on Deposit Scheme for Retiring Government Employees (1989), Deposit Scheme for Retiring Employees of Public Sector Companies (1991) and contractual saving schemes, namely General Provident Fund (GPF), Employees Provident Fund (EPF) and Employees Pension System were set up to promote savings in India. With a view to mobilizing savings of people (especially small income group) and circulating in them a spirit of thrift and savings, the Central Government through Ministry of finance has endeavored to make the National Savings Movement popular by offering variety of saving schemes to meet the individual requirements of different investors. Key words: Post Office, Small Saving Schemes, Interest Rates, Recurring Deposits, Sukanya Smaridhi Yozana. Introduction Indian Post Office Savings Bank being the largest savings institutions in the country play a vital role in moblising savings especially in the rural part of the country and offer numerous benefits to the investors. In India, the institutional framework for saving was started in 1834 when the first saving bank was set up in Calcutta. Comparatively higher secured returns than that of scheduled banks induced small investors and well designed tax saving features of these schemes has been successful in attracting the higher income groups also. Saving is an essential aspect of human being that helps in accumulating funds for stress free life regarding financial health.