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Digitalization of Post Office Saving Schemes and Its Impact on Investor Perception Coimbatore
Dr. R. Uma Maheswari Research Supervisor & Associate Professor, Department of Management, Sree Saraswathi Thyagaraja College, Pollachi: S. Selva Vaishali Nachiar Ph.D Research Scholar, Department of Management, Sree Saraswathi Thyagaraa College, Pollachi.
Pages: 1-11 | First Published: 05 Apr 2026
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Abstract

Post office plays a vital role in financial inclusion by offering various small savings schemes, making banking accessible to a wider population in the country. It offers various investment avenues, including fixed deposits, insurance, and other schemes, catering to different investor needs. Post offices provide retail services like bill collection for various utilities and other services. The current study analyses the investor’s awareness towards Post Office saving schemes. The sample size included for the study was 122 Investors. The data collected through survey was analyzed with help of simple percentage analysis, Chi-square test, Garret Ranking and likert scaling. The study was based on random sampling method. The findings of the study are that the investors got awareness regarding post office saving schemes from their friends and relatives. The majority of the Investors are aware of savings deposit in Post Office. The investors felt that the factors influencing to invest in post office saving scheme is to save for their children education followed by children marriage, retirement safety. The lengthy formalities and delay in processing are the main barriers for investors investing in Post Office.

Keywords: Awareness, Investors, Post Office, Savings Scheme

References

  1. Dr. G. Anand (2022) Rural Investors: “A study on perceptions towards postal investments”. http://www.serialjournals.com 

  2. Dr.A.Benazir (2020),A Study on Parent’s Perception towards Post Office Saving Schemes – With Special Reference to Palayamkottai Region, OUR HERITAGE, Vol-68-Issue-1, Pg :787 -794.

  3. K. Baby Saranya & Dr. R. Hams Lakshmi March (2023) “Performance of Indian post office saving schemes in recent trends”. www.journalijar.com 

  4. Karthikick PK Apr 15, (2011) “A study on Customer perceptions towards post office saving schemes”. https://www.scribd.com/doc/53057820

  5. Kavitha Singh (2025), A Study on Consumer perception towards post office saving scheme with respective to urban area, V-SEARCH, Pg: 71-76, ISBN :978-93-5457-359-0

  6. Kore Shashikant D. & Dr. R.B Teli Aug (2015) “Investment behavior of postal customers towards post office saving bank schemes”. www.shreeprakashan.com.

  7. Mohan Kumar. R et.al (2023) The Awareness Level Of Indian Post Office Schemes Among Customer At Bengaluru Rural District, Emerging Trends in Global Business and Economics, Pg :85 -91.

  8. Ravindran, G. (2025). A Study on the Savings Behavior of India Post Customers Based on Demographic and Psychographic Factors. Journal of Financial Behavior Studies. https://ijarsct.co.in/Paper17007.pdf 

  9. Shafee, Y. (2026). Evaluating the Role of India Post ATM Services: Technological, Socio-Economic, and Cultural Perspectives. Journal of Banking and Technology Integration.

  10. Singh, H. S. (2025). Impact of ICT Advancements on India Post Services: A SWOT Analysis. International Journal of Communication and Business Management. 

  11. Usha Poojary & Mary Miranda Oct (2020) “Customer perceptions towards Investments in post office schemes”. 

    https://www.researchgate.net/publication/34793720

  12. V.Saraswathi et.al (2026) Investors Awareness Towards Savings Scheme Offered by Post Office, NeuroQuantology, Vol 20, Issue 3, pg : 1198 -1204.

  13. Vembu (2023), “Rural Investor attitude towards post office savings schemes in Kodavasal Taluk”, International Journal of Pure and Applied Mathematics, Vol 119, Issue 10, pp 1385 -1397.

An Assessment of Public Distribution System
Dr. B. Satheesh Assistant Professor of Economics, S.T. Hindu College, Nagercoil. Affiliated to Manonmaniam Sundaranar University, Tirunelveli, Tamil Nadu.
Pages: 12-16 | First Published: 05 Apr 2026
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Abstract

            Public Distribution System (PDS) is one of the major components of social security in India as well as Karnataka. Indian food security system, established by the Government of India under Ministry of Consumer Affairs, Food and Public Distribution is to distribute subsidized food and non-food items to India’s poor.  This scheme was first launched in February 1944, during the Second World War and was launched in the current form in June 1947. Major commodities distributed include staple food grains, such as wheat, rice, sugar and kerosene, through a network of fair price shops (also known as ration shops) established in several states across the country. Food Corporation of India, a government-owned corporation procures and maintains the PDS. 

            A public distribution shop, also flown as fair price shop (FPS), is a part of India’s public system established by Government of India which distributes rations at a subsidized price to the poor.  Locally these are known as 'ration shops' and chiefly sell wheat, rice and sugar at a price lower than the market price called Issue Price. Other essential commodities may also be sold. To buy items one must have a "Ration Card". These shops are operated throughout the country by joint assistance of central and state government. The items from these shops are much cheaper but are of average quality. Ration shops are now present in most localities, villages towns and cities. India has 4,78,000 shops constituting the largest distribution network in the world. 

            The central and state governments shared the responsibility of regulating the PDS. While the central government is responsible for procurement, storage, transportation, and bulk allocation of food grains, State governments hold the responsibility for distributing the same to the consumers through the established network of Fair Price Shops (FPSs). State governments are also responsible for operational responsibilities including allocation and identification of families below poverty line, issue of ration cards, supervision and monitoring the functioning of FPSs (Fair Price Shops) [clarification needed]. Under PDS scheme, each family below the poverty line is eligible for 35 kg of rice or wheat every month, while a household above the poverty line is entitled to 15 kg of food grain on a monthly basis. 

References

III. REFERENCES

  1. "Public Distribution System". Ministry of Consumer Affairs, Food and Public Distribution (India). 

  2. Planning Commission 11th FYP document: Nutrition and Social Safety Net, on PDS & Defects and shortcomings 

  3. “Press Information Bureau”.pib.nic.in 

  4. Planning Commission 9th FYP on FPS and malpractices. 

  5. Public Distribution System: Evidence from Secondary Data and the Field talkative-shambhu.blogspot.in 

  6. “Government in a fix over illegal ration cards”. deccanherald.com. 30 Dec. ‘12. 

  7. “Public Distribution System in India”. Indian Institute of Management Ahmedabad. Retrieved 5 October 2011. 

  8. “National Common Minimum Programme of the Government of India”. 

  9. Targeted (http://www.hindu.com/2004/08/03/stories/2004 

  10. “Food Stamps: A Model for India” (PDF). Centre for Civil Society. 

  11. “Allow alternatives to PDS, say experts”. The Indian Express. 

  12. “Delhi HC says Fair price shop can’t be allotted to BPL card holders”. IANS. news.biharprabha.com. 

  13. Operation Black by AAJ TAK News Channel”. AAJ TAK. 

The Plight of Women Workers in SSIs: A Hidden Reality of Alappuzha District, Kerala
Dr T.V. Ushadevi Associate Professor, S N College, Cherthala. A.K. Muhizina Student, M A Economics, S N College, Cherthala.
Pages: 17-29 | First Published: 05 Apr 2026
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Abstract

Although small-scale industries (SSIs) play a vital role in creating rural employment and supporting women’s livelihoods in Kerala, women employed in this sector still encounter numerous socio-economic barriers. Their work is largely confined to low-income, labor-intensive roles, with minimal access to social security benefits, professional training, or avenues for career advancement. Various government programmers have been launched to enhance the welfare of SSI workers and strengthen women’s economic empowerment, yet a significant share of the workforce remains unaware of these initiatives and unable to utilize them. The greatest contribution of SSIs has been in enabling women to earn an income and gain a level of financial autonomy. Nevertheless, for many, especially those from economically disadvantaged backgrounds, such participation has not yet translated into lasting empowerment or substantial improvements in social and economic standing.

Keywords: Women Workers, Small-scale Industries, Socio-economic Barriers, Empowerment, Kerala, MSMEs

References

  1. Government of India, Ministry of Finance (2015). Pradhan Mantri Mudra Yojana (PMMY): Scheme Guidelines. Government of India.

  2. Kudumbashree Mission (2023). Annual Report 2022–23. Government of Kerala.

  3. Ministry of Women and Child Development (2017). Support to Training and Employment Programme for Women (STEP): Scheme Guidelines. Government of India.

  4. Ministry of Micro, Small and Medium Enterprises (2018). TREAD Scheme: Trade Related Entrepreneurship Assistance and Development – Guidelines. Government of India

  5. State Bank of India (2022). Stree Shakti Package: Scheme for Women Entrepreneurs. SBI Publication.

  6. Financial Express / SME News (2025). MSME Jobs Cross 27 Crore; Women Constitute 26% of Workforce. Financial Express.

  7. Financial Express (2024). Women-Owned MSMEs Reach 39% in India: Udyam Portal Data. Financial Express.

  8. Government of India (2025). Economic Survey 2024–25: Women in Khadi, Handloom and Handicrafts Sector. Ministry of Finance.

  9. Ministry of MSME / Coir Board (2025). Coir Sector Employment Statistics: Women in Pre-Production Roles. Coir Board / MSME Annual Data.

  10. The New Indian Express (2024). Gender Pay Disparity and Marketing Challenges in Kerala Coir Industry. The New Indian Express.

  11. Kudumbashree Mission (2022). Annual Report 2021–22. Government of Kerala.

  12. Kudumbashree (n.d.). Micro Enterprise – Programme Pages and MERC Information. Kudumbashree Official Website.

  13. Local Self Government Department (2025). Kudumbashree Provides Employment to 3.23 Lakh Women Through 1, 63,458 Micro-Enterprise Units Across Kerala. Lsgkerala.gov.in.

  14. Times of India (2025, April 20). Kudumbashree Empowers Over Three Lakh Women Through Micro-Enterprises in Kerala. Times of India.

  15.  IIM Kozhikode & Kudumbashree Mission (2024). SmartShree Incubator Initiative. IIMK LIVE Press Release.

  16. Press Information Bureau (2025). Implementation of Namo Drone Didi Scheme. Government of India.

  17. George, A. (2019). Women Empowerment through Kudumbashree in Kerala: A Study of Socio-Economic Impact. International Journal of Social Sciences and Management, vol. 6, no.2

  18. The Hindu. (2019). Maharashtra Sugarcane Workers Allege Forced Hysterectomies. The Hindu, 8 Apr. 2019.