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A STUDY ON INVESTORS ATTITUDE TOWARDS POST OFFICE

SAVING SCHEME WITH SPECIAL REFERENCE TO


KANDANASSERY PANCHAYATH

Submitted by
ANJANA THILAK
Reg.no:SGAPBCM005
DECLARATION
I hereby declare that the project work titled “A STUDY ON
INVESTORS ATTITUDE TOWARDS POST OFFICE SAVING SCHEME
WITH SPECIAL REFERENCE TO KANDANASSERY PANCHAYATH” is
a record of original work done by me under the supervision and
guidance of Mrs.Jisha P.S and that this project work has not formed
the basis for the award of any Degree/Diploma/Fellowship or similar
title to any candidate of any University.

Place:
Date: ANJANA THILAK
ACKNOWLEDGEMENT
First, let me thank God, almighty for making me capable to do the work
successfully. I would like to add few heartfelt words for the people who guided
me to prepare this project in numerous ways.
I wish to thank my respected project guide Mrs. Jisha .P.S, assistant
professor in commerce department, SREE KRISHNA COLLEGE GURUVAYUR, for
giving me valuable suggestion, guidance, support and advise throughout the
execution of the project.
I take pleasure in expressing my deep sense of gratitude to the agent of
Mattam Post office Mrs. V. S. Pushpalatha for her valuable guidance,
encouragement and cooperation.
Finally I take this opportunity to express my deep appreciation to my
family, friends and well-wishers for their sustained help and prayers.

Place:
Date: ANJANA THILAK
CHAPTER CONTENTS PAGE NO
NO

1 INTRODUCTION
1.1 Introduction
1.2 Statement of the problem
1.3 Objectives of the study
1.4 Research methodology
1.5 Limitations

2 REVIEW OF LITERATURE

2.1 Review of literature

3 THEORATICAL FRAMEWORK

4 DATA ANALYSIS AND INTERPRETATION


FINDINGS, SUGGESTIONS AND
5 CONCLUSION
5.1 Findings
5.2 Suggestions
5.3 Conclusion
6 APPENDIX
BIBLIOGRAPHY
WEBSITES
INTRODUTION
1.1INTRODUCTION

In India, Post Office savings scheme provides a secure, risk free and attractive investment
option for the small investors and offers the savings products across its 155000 Post offices.
The Post office saving bank in India was established by the British Colonizers. The Post office
savings bank is the oldest and by far the largest banking system in the country, serving the
investment need of both urban and rural clientele. These services are offered as an agency
service for the Ministry of Finance, Government of India. The Post office savings bank is
included in the union list side item NO.39 of the seventh scheduled of the constitution of
India. It provides various schemes framed by the central Government under the following
acts.
i) Government Savings Bank Act 1873
ii) Government Savings Certificate Act 1959
iii) Public Provident Fund 1968
Operating Agencies of Savings Schemes

 The small savings schemes are operated through 1.54 lakh Post office
throughout the country.
 Public provident fund scheme is also operated through 8000 branches of public
sector banks in addition to the Post office.
 Deposits schemes for retiring employees are operated through selected
branches of public sector banks only.
Promotion of the small savings schemes
National Savings Organizations (NSO) is responsible for the national level promotion
scheme through publicity campaign and advertisement in audio, video as well as print media.
Through a large network of over five lakhs small savings working under different categories
namely

 Standardized agency system (SAS)


 Mahilapradhan Kshathriya Yojana (MPKBY)
 Public Provident Fund agency scheme
 Payroll Savings Scheme groups
 School Savings Banks (sanchavikas)
In addition the extra departmental branch post masters also in mobilizing savings,
especially in rural and remote areas.
1.2Statement of the problem

I did my project about investor’s attitude towards post office savings schemes. The area
covered for the study is Kandanassery panchayath.
The researcher has taken up with the main purpose of studying the
behavior of postal customers towards Post office savings scheme. Most of the institutions
influence common people to purchase their various schemes by way of strong marketing
activities. Hence the author decided to study the behavior and attitude of postal customers
in this regard.

1.3OBJECTIVES OF THE STUDY


The main objectives of the current study has been narrowed to

 To highlight the various Post office schemes available to investors.

 To study the attitude of investors towards Post office savings scheme in the study
area.

 To examine the motivational factors encouraging investors to prefer Post office


savings schemes.

 To study the problems of investors while investing in Post offices.

1.4 RESEARCH METHODOLOGY

The study is based on both primary and secondary sources. The primary data has been
collected from 60 investors through a well-structured questionnaire. The secondary data has
been collected from various standard text book, journals, magazines, newspapers and
websites.
1.5LIMITATIONS OF THE STUDY

 The period of study is 21 days.

 Due to inadequate time and cost, it is not possible to analyze all aspects relevant to
study.

 The study is limited to a particular area.

 Awareness about the deposit scheme of post office scheme is less compare to bank.

 There may be calculation of errors.


REVIEW OF LITERATURE
2.1 REVIEW OF LITERATURE

Karthikeyan (2001) has conducted research on small investors’ perception on post office
savings schemes and found that there was significant difference among the four age groups,
in the level of awareness for National Savings Schemes (NSS, and deposit schemes for retired
employees (DSRE), and the overall score confirmed that the level of awareness among
investors in the old age group was higher than in those of the young age group. No difference
was observed between male and female investors except for the NSS and KVP. Out of the
factors analyzed, necessity of life and tax benefits was the two major ones that influence the
investors both in semi-urban and urban areas. Majority of investors of both semi-urban and
urban areas were very much willing to invest in small savings schemes in future provided they
have more for savings.

Gavini and Athma (1999) found that social considerations, tax benefits, and provisions for old
age were the reasons cited for saving in urban areas, where as to provide for old age was the
main reason in rural areas. Among the post office schemes, KVP (Kisan Vikas Pathra) and post
office recurring deposit account (PORD) were the most popular, in both rural and urban areas.
THEORETICAL FRAMEWORK
THE INDIAN POSTAL SYSTEM
The Indian postal services were established in the current format largely under the East
India Company. It was first established under the name “Company Dawk” in 1688, the first
post office of the company post was established at Bombay madras. The system was
reorganized and the service opened to the general public by Warren Hastings. The first
governor general Bengal with supervisory powers over Bombay and machos, in 1774. A post
master general was appointed and metal tickets or tokens were issued to pay for the postal
charges. The presidencies of Bombay and madras followed suit.
In 1835 a committee was set up for unification of customs and postal system
of all the presidencies. The result was the first Indian post office Act of 1837. It not only
provided for uniform rates and routes but for the uniform designs and other specifications of
the postmarks for each category of post office. A commission was set up in 1850 and
submitted its report in 1851 that resulted in the post office Act of 1854.under the provisions
of this Act, the monopoly of carrying mail in the entire area of British possessions in India
were granted to Indian post office and office of the Director General of post office of India
was established MR.HP AB Riddle, till then the post master General of north west presidency,
was appointed the first Director General in May 1854.

SCHEMES OFFERED BY POST OFFICE SAVINGS BANKS


1. POST OFFICE SAVINGS ACCOUNT

 An adult individual can open as many accounts but cannot do so with a minor
as a joint holder.
 Cheque facility is available and one can even give standing instructions to
credit the interest of post office monthly income scheme to the saving account.
2. POST OFFICE TIME DEPOSIT

 Any individual or up to 2 adults can jointly open the account. One can open
such an account in the name of minor also whose age is above to years.
 There are just four time periods to choose from while making time deposits in
a post office. They are 1 year, 2 year, 3 year, and 5 year.

3. POST OFFICE MONTHLY INCOME SCHEME(PIOMIS)


 The account can be opened by a single adult or two/three adult on joint basis
or in the name of a minor who was attained the age of 10 years.
 The tenure of the scheme is six years the rate of return is 8% payable monthly.
 One can open a savings account or recurring account in the same post office
to get the monthly interest transferred to them.
 After the end of 6 years, there is a bonus of 10% of the amount invested paid
to the investor.
4. POST OFFICE RECURRING DEPOSIT

 Any individual, or up to 2 adults can open the account jointly.


 The tenure is 5 years and the investor has to 60 monthly deposits. The maturity
amount can be kept with the same account for further years with or even.
5. NATIONAL SAVINGS CERTIFICATE(NSC)

 Only individuals and trusts can purchase the certificates.


 The tenure is 6 years. NSCs are transferable instruments, but only after one
year of holding them from one post to another any were in the country.
6. POSTAL LIFE INSURANCE
Postal life insurance was introduced in 1884 as a welfare scheme for Government employees.
Now, it has been extended to central and state government. Employees armed forces
personnel, and employees of local holies, government-aided educational institutions,
universities and state bank.
 Rural postal life was introduced in 1995. Each scheme offers four types of
policies. (whole life, convertible whole life, endowment, and anticipated
endowment)
7. KISAN VIKAS PATRA

 It is a fixed income instruments and the maturity is always fixed in such way
that the amount gets doubled in 8 years and 7 months.
 The rate of return is around 8.4 % annually compounding the certificates can
be purchased for any amount, as there is no upper limit on investment.
8. PUBLIC PROVIDENT FUND

 The public provident fund is an effective tax-saving vechicle as well as


instrument for retirement savings.
 The government sponsored institution is safe and provides good returns, when
used as an instrument for retirement planning.
 Anyone can open PPF account, either on his/her own behalf or on behalf of a
minor. Being part of a general provident fund scheme does not disqualify you
from subscribing to the PPF but at
 Without making any additional monthly contributions.no point, you allowed
to have two PPF account in your own name at the same time.
DATA ANALYSIS AND
INTERPRETATION
Table 4.1

Age wise classification


Age No: of respondents Percentage
30-40 11 18

40-50 21 35
50-60 20 33
60-70 4 7
Above 70 4 7
Total 60 100

Age wise classification


25
21
20
20

15
11
10

5 4 4

0
30-40 40-50 50-60 60-70 Above 70

No: of respondents

INTERPRETATION
This table depicts the age wise distribution of respondents. It shows that out of 60
respondents 18% respondents belong to the age of 30-40, 35% belong to the 40-50, 33%
belong to the 50-60, 7% belong to the 60-70, 7% belong to the above 70 category.
Table 4.2

Classification on the basis of gender


Sex No: of percentage
respondents
Male 46 77
Female 14 23
Total 60 100

male female

INTERPRETATION
This table depicts the sex wise classification of respondents. Out of 60 respondents,
77% of respondents are came under the male category and 23% are came under the female
category.
TABLE 4.3

MARTIAL STATUS

Martial-status No: of respondents percentage


Married 56 93
Unmarried 3 5
Divorced 0 0
Widow 1 2
Total 60 100

Married Unmarried Divorced Widow

INTERPRETATION
This table shows the martial-status wise distribution of respondents. It shows
that out of 60 respondents 93% respondents belong to the married category, 5% respondents
belong to the unmarried category, there is no respondent belong to the divorced category,
2% respondents belong to the widow category.
Table 4.4

Educational wise distribution


Educational No: of respondents percentage
qualification
Illiterate 1 2
School education 15 25
SSLC 24 40
Plus two 12 20
Graduates 4 7
Post graduates 2 3
Professionals 2 3
Total 60 100

Education wise classification

Illiterate
School education
SSLC
Plus two
Graduates
Post graduates
Professionals

INTERPRETATION
The above table depicts the educational wise classification of respontents.it shows
that out of 60 respondents, 2% having illiterate, 25 % having school education, 40 % having
SSLC, 20% having plus two, 7% having graduation, 3% having post graduates, 3 % having
professionals.
Table 4.5

Occupation wise distribution


Occupation No: of respondents Percentage
Agriculture 5 8
Business 11 18
Government employee 3 5
Private employee 8 13
Pensioner 3 5
Professionals 7 13
House wife 2 3
Others 21 35
Total 60 100

Occupation wise distribution


25
21
20
15 11
8 7
10 5
3 3 2
5
0

INTERPRETATION
This table shows the occupation wise classification of respondents out of 60
respondents 8% fall under the agriculture category, 18% under business, 5% under
government employee, 13% under private employee, 5 % under pensioner,13 % under
professionals, 3% under house wife, 35% under others.
Table 4.6

Classification on the basis of monthly income


Monthly income No: of respondents Percentage
Below 10000 10 16
10000-20000 21 35
20000-30000 10 17
Above 30000 19 32
Total 60 100

Monthly income
25

20 21
19
15

10
10 10

0
Below 10000 10000-20000 20000-30000 Above 30000

INTERPRETATION
This table shows the monthly wise classification of respondents. Out of 60
respondents 17% belong to below 10000. 34% belong to 10000-20000, 17% belong to 20000-
30000, 32% of respondents belong to the category of above 30000 monthly income.
Table 4.7

No: of earning members in their family


No: of earning members No: of respondents Percentage

1 21 35
2 28 47
3 6 10
>3 5 8
Total 60 100

No: of earning members


30

25

20

15

10

0
1 2 3 >3

INTERPRETATION
This table shows the classification of respondents on the no: of earnings
in their family 35% fall under 1, 47% under 2, 10% under 3, 8 % under the category of above
3 persons.
Table 4.8

Classification on the basis of savings per month


Savings per month No: of respondent percentage
Below 1000 5 8
1000-2000 24 40
2000-3000 17 28
Above 3000 14 24
Total 60 100

savings per month

Below 1000
1000-2000
2000-3000
Above 3000

INTERPRETATION
THIS DATA DEPICTS THE CLASSIFICATION ON THE BASIS OF AMOUNT OF SAVINGS
PER MONTH.OUT OF 60 RESPONDENTS 8% INCLUDES BELOW 1000, 40% INCLUDE 1000-2000
CATEGORY, 28% INCLUDE 2000-3000 CATEGORY, 24% INCLUDES THE CATEGORY OF ABOVE 3000.
Table 4.9

Classification on the basis of purpose of savings


Purpose of savings No: of respondents Percentage

To meet specific 9 15
purposes
To earn income 11 18
To meet contingent 21 35
expenses
To be secured at old age 12 20
To lead a comfortable 7 12
life
Total 60 100

purpose of savings
25

20

15

10

0
To meet specific To earn income To meet To be secured at To lead a
purposes contingent old age comfortable life
expenses

INTERPRETATION
This table depicts the classification of respondents on the basis of the purpose of savings.
Out of 60 respondents 15% of respondents fall under the category to meet specific purposes,
18% under the category to earn income, 35% under the category to meet contingent
expenses, 20% under the category to be secured at old age, 12% under the category to lead
a comfortable life.
Table 4.10

Classification on the basis of no: of years of


savings
No: of years No: of respondents Percentage

Below 1 year 7 12
1-3 year 16 27
3-5 year 22 36
5-7 year 9 15
Above 7 year 6 10
Total 60 100

No: of years of savings

10% 12% Below 1 year


15% 1-3 year
27% 3-5 year
5-7 year

36% Above 7 year

INTERPRETATION
This table depicts the classification of no: of years of savings in post office savings
scheme. Out of 60 respondents 12% includes below 1 year, 27% includes 1-3 years, 36%
includes 3-5 years, 15% includes 5-7 years, 10% includes in the category of above 7 years.
Table 4.11

Sources of knowledge about post office savings


scheme
Sources of knowledge No: of respondents Percentage
Friends/relatives 10 17
Advertisement 4 7
Agent 22 36
Post office employees 15 25
From parents 5 8
others 4 7
Total 60 100

sources of knowledge

7% 17%
8% Friends/relatives
7% Advertisement
25% Agent
Post office employees
36%
From parents
others

INTERPRETATION
This table depicts the classification on the basis of sources of knowledge about post
office savings schemes. Out of 60 respondents 17% respondents includes under the category
of friends/relatives, 7% includes under the category of advertisement, 36% includes in the
category of agent, 25% includes in the category of post office employees, 8% includes in the
category of others.
Table 4.12

Classification deposit in post office


Deposit of post office No: of respondents Percentage
Post office saving 7 12
account
Post office time deposit 10 16
Post office monthly 16 27
income scheme
Post office recurring 15 25
deposit accounts
National saving 4 7
certificate
Postal life insurance 5 8
Kisan vikas patra 1 2
Public provident fund 2 3
Total 60 100

Deposit in post office


18
16
14
12
10
8
6
4
2
0
POSA POTD POMIS PORDA NSC PLI KVP PPF
INTERPRETATION
This table depicts the classification of respondents on the basis of deposit in post
office. Out of 60 respondents 12% of respondents fall under the POSA, 16% of respondents
under the POTD, 27% under the POMIS, 25% under the PORDA, 7% under the NSC, 8% under
the PLI, 2% under the KVP, 3% fall under the category of PPF.
Table 4.13

Level of satisfaction on the aspect from post


office savings scheme
1. Procedure is easy to follow
Level of satisfaction No: of respondents percentage
Strongly agree 25 42
Agree 15 25
No opinion 11 18
Disagree 5 8
Strongly disagree 4 7
Total 60 100

Level of satisfaction
30

25
25
20

15
15
10
11

5
5
4
0
Strongly agree Agree No opinion Disagree Strongly disagree

INTERPRETATION
This table depicts the classification of respondents on the basis of level of
satisfaction in the easy procedure of post office saving scheme. Out of 60 respondents 42%
of respondents included in the category of strongly agree, 25% are included in agree, 18%
included in the category of no opinion, 8% included in the category of disagree, 7% included
in the category of strongly disagree.
Table 4.14

2. Various schemes are available

Level of satisfaction No: of respondents percentage


Strongly agree 8 13
Agree 20 33
No opinion 19 32
Disagree 10 17
Strongly disagree 3 5
Total 60 100

Level of satisfaction
25

20

15

10

0
Strongly agree Agree No opinion Disagree Strongly disagree

INTERPRETATION
This table depicts the classification of respondents on the basis of level of satisfaction
in the easy procedure of post office saving scheme. Out of 60 respondents 13% of
respondents included in the category of strongly agree, 33% are included in agree, 32%
included in the category of no opinion, 17% included in the category of disagree, 5% included
in the category of strongly disagree.
Table 4.15
3. Interest rate is high

Level of satisfaction No: of respondents percentage


Strongly agree 11 18
Agree 10 17
No opinion 15 25
Disagree 20 33
Strongly disagree 4 7
Total 60 100

Level of satisfaction
25

20

15

10

0
Strongly agree Agree No opinion Disagree Strongly disagree

INTERPRETATION
This table depicts the classification of respondents on the basis of level of satisfaction
in the easy procedure of post office saving scheme. Out of 60 respondents 18% of
respondents included in the category of strongly agree, 17% are included in agree, 25%
included in the category of no opinion, 33% included in the category of disagree, 7% included
in the category of strongly disagree.
Table 4.16

4. Length of maturity period is acceptable


Level of satisfaction No: of respondents percentage
Strongly agree 6 9
Agree 16 27
No opinion 25 42
Disagree 12 20
Strongly disagree 1 2
Total 60 100

Level of satisfaction
30

25

20

15

10

0
Strongly agree Agree No opinion Disagree Strongly disagree

INTERPRETATION
This table depicts the classification of respondents on the basis of level of
satisfaction in the easy procedure of post office saving scheme. Out of 60 respondents 9% of
respondents included in the category of strongly agree, 27% are included in agree, 42%
included in the category of no opinion, 20% included in the category of disagree, 2% included
in the category of strongly disagree.
Table 4.17

5. Availability of loan against deposit

Level of satisfaction No: of respondents percentage


Strongly agree 12 20
Agree 18 30
No opinion 14 23
Disagree 14 23
Strongly disagree 2 4
Total 60 100

Level of satisfaction
20
18
16
14
12
10
8
6
4
2
0
Strongly agree Agree No opinion Disagree Strongly disagree

INTERPRETATION
This table depicts the classification of respondents on the basis of level of
satisfaction in the easy procedure of post office saving scheme. Out of 60 respondents 20%
of respondents included in the category of strongly agree, 30% are included in agree, 23%
included in the category of no opinion, 23% included in the category of disagree, 4% included
in the category of strongly disagree.
Table 4.18

Major problem faced while making deposit


Major problems No: of respondents Percentage
Cumbersome procedure 2 3

Delay in processing 10 17
Interest is low 10 17
Lack of customer 12 20
friendly attitude
High penal charges 9 15
Lack of information 13 21
Long lock-in-period 4 7
Others 0 0
Total 60 100

14
12 13
12
10
10 10
8 9
6
4
4
2
2 0
0
No: of respondents

Cumbersome procedure Delay in processing


Interest is low Lack of customer friendly attitude
High penal charges Lack of information
Long lock-in-period Others
INTERPRETATION
This table depicts the major problems faced by the respondents while making
deposit post office saving schemes.it shows that under 60 respondents 3% respondents
belong to the category of cumbersome procedure, 17% belong to the category of delay in
processing, 17% belong to the interest is low category, 20% belong to the category of lack of
customer friendly attitude, 15% belong to the category of high penal charges, 21% belong to
the category of lack of information, 7% belong to the category of long lock-in-period. And
there is no no: of respondents belong to the category of others.
Table 4.19

Classification on the basis of level of satisfaction


Level of satisfaction No: of respondents Percentage
Highly satisfied 12 20
Satisfied 22 37
Not bad 11 18
Dissatisfied 12 20
Highly dissatisfied 3 5
Total 60 100

Level of satisfaction

5%
20% Highly satisfied
20%
Satisfied
Not bad
Dissatisfied
18%
37% Highly dissatisfied

INTERPRETATION
This table depicts the classification on the basis of level of satisfaction. 20%
includes highly satisfied, 37% include satisfied, 18% include not bad, 20% include dissatisfied,
5% include highly dissatisfied.
Table 4.20

Reasons for dissatisfaction


Reasons for No: of respondents Percentage
dissatisfaction
Income is 2 13
inadequate
Cost of living is too 3 20
much
Alternative saving 3 20
option is available
Low rate of interest 7 47
total 15 100

Reasons for dissatisfaction

13% Income is inadequate

47% 20% Cost of living is too much

Alternative saving option is


20% available
Low rate of interest
INTEPRETATION
This table shows the reactions of respondents about the reasons for
dissatisfaction of post office scheme. Under 60 respondents 15 respondents are dissatisfied.
Out of 15 respondents 13% includes in the category of income is inadequate, 20% included in
the category of cost of living is too much. 20% included in the category of alternative saving
option is available, 47% included in the category of low rate of interest.
FINDINGS, SUGGESTIONS
AND CONCLUSION
5.1 FINDINGS

The major findings of the study may be summed up as follows:


 Majority of respondents are male.
 Middle aged groups are highly satisfied in post office deposit scheme.
 Majority of the respondents are employed.
 Majority of investors belong to the middle income groups. The no: of investors from
lower and higher income groups are very low.
 Most commonly preferred schemes of post office in POMIS ie 27%.
 Safety and regular income is the most preferable reasons by the investors to invest
in post office.
 Educational wise classification shows that 24% are belong to SSLC.
 Most of the investors make their payments through the help of authorized agents.
 Most of the investors are satisfied with post office savings schemes.
The study reveals the fact that majority of the respondents were interested in investing in
post office, irrespective of reduction in interest rate because of its highest guarantee and
safety features.
5.2 SUGGESTION
Government must create more awareness among the rural and urban people about the saving
schemes and the benefits availed through it has not reached the people property. Good
reliable, government authorized agents should be appointed so that mobilization of savings
could be increased the post offices should be computerized and more staff members are to
be appointed as majority feel that the services provided by the post office are not good, the
interest rates have to be increased as for many deposit schemes. There was a gradual
reduction from high percentage of interest to low percentage. There must be a change in the
infrastructure facilities of post office and staff should be more, hospitable.
The following are the suggestions drawn from the findings of the study.

 The rate of interest offered by the post office should be increased.


 Tax benefits are attached only to few schemes in post office but also can be extended
to many schemes.
 Lack of advertisement in postal service, the government has to take the necessary
steps to adopt advertisement strategy in wider range.
 Latest technology should be incorporated in post office to serve the public in an
efficient manner, thereby reducing the transaction time.
5.3CONCLUSION
I have done the project work on the topic “INVESTORS ATTITUDE TOWARDS POST OFFICE
SAVINGS SCHEMES”. The post office has traditionally served as a financial institution for
millions of people in the rural area. It plays a vital role in rural areas.it connects these rural
areas with the rest of the country and also provides banking facilities in the absence of banks
in the rural areas. If the above mentioned suggestions are implemented by the postal
department, it will increase the number of postal savings investors.
BIBLIOGRAPHY
 Dr. Dhiraj Jain & Ms. Ruhika Kothari, ‘investors attitude towards post office deposit
schemes’ – Empirical study in Udaipur district, Rajasthan ‘International Journal of
Marketing and Technology, volume 2, Issue 7, July 2012.
 B.Saranya & G.B.Karthigeyan , a study on investors behavior toward post office savings
schemes, Tactual Management Research journal, vol.3 ,issue 5, Feb 2015.
 Richa. Damondaran Harish, “post office is savers best bet” Business line, August 25,
2004.P3.
WEBSITE

www.indianfoline.com
www.indiapost.org
www.smallsaving.com

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