FINANCIAL PERFORMANCE OF POST OFFICE SAVINGS SCHEMES AND ITS IMPACT ON INVESTOR TRUST AND SATISFACTION IN THOOTHUKUDI DISTRICT

Abstract

Post Office Savings Schemes have long served as a secure investment avenue for small and risk-averse investors in India. Despite the emergence of banks and market-linked financial instruments, Post Office schemes continue to attract investors due to assured returns and government backing. This study examines the financial performance of Post Office Savings Schemes and its impact on investor trust and satisfaction in Thoothukudi District. Primary data were collected from 239respondents using a structured questionnaire. The study employs descriptive statistics, reliability analysis, Kaiser–Meyer–Olkin (KMO) test, and factor analysis to examine the relationships among financial performance, trust, and satisfaction. The results reveal that perceived financial performance significantly influences investor trust, which in turn enhances overall satisfaction. The findings provide valuable insights for policymakers to strengthen Post Office savings operations and investor confidence.