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International Journal for Research Trends and Innovation
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ISSN Approved Journal No: 2456-3315 | Impact factor: 8.14 | ESTD Year: 2016
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Impact Factor : 8.14
Issue per Year : 12
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Issue Published : 118
Article Submitted : 21495
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| Paper Title: | ANALYSIS OF FIXED DEPOSIT IN BANKS BY PRIVATE AND PUBLIC SECTOR EMPLOYEE IN JHARKHAND. |
| Authors Name: | Dr. Gajraj Singh Ahirwar |
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| Author Reg. ID: |
IJRTI_200047
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| Published Paper Id: | IJRTI2412022 |
| Published In: | Volume 9 Issue 12, December-2024 |
| DOI: | |
| Abstract: | ABSTRACT With an emphasis on fixed deposits (FDs), this study investigates the investment habits of workers in Jharkhand's public and private sectors. The purpose of the study is to evaluate employees' knowledge of fixed deposits, their inclinations for financial investments, and the variables—such as sociodemographic traits, gender disparities, and financial literacy—that affect their investment choices. Using a descriptive approach and stratified random sample, the study polls 640 workers, 320 of whom are from each sector. The results show a high degree of fixed deposit awareness, but notable deficiencies in comprehension of intricate ideas like compound interest. The study also shows that wealth, education, and gender all have a significant impact on investment decisions. Even though most respondents were aware of interest rates on FDs, a sizable percentage voiced doubts regarding the interest calculation process. In order to improve investment decision-making in Jharkhand, these findings underscore the necessity of improved financial literacy initiatives and gender-specific financial advice services. |
| Keywords: | Key words: Fixed Deposits (FDs), Investment Behaviour, Financial Literacy, Public and Private Sector Workers, Socio- demographic Factors, Financial Preferences, Income, Education, Risk Aversion, Interest Rate Awareness, Compound Interest, Financial Decision-Making, Financial Planning, Savings Behaviour, Digital Financial Platforms, and Financial Advisory. |
| Cite Article: | "ANALYSIS OF FIXED DEPOSIT IN BANKS BY PRIVATE AND PUBLIC SECTOR EMPLOYEE IN JHARKHAND.", International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2455-2631, Vol.9, Issue 12, page no.a197-a208, December-2024, Available :http://www.ijrti.org/papers/IJRTI2412022.pdf |
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2456-3315 | IMPACT FACTOR: 8.14 Calculated By Google Scholar| ESTD YEAR: 2016 An International Scholarly Open Access Journal, Peer-Reviewed, Refereed Journal Impact Factor 8.14 Calculate by Google Scholar and Semantic Scholar | AI-Powered Research Tool, Multidisciplinary, Monthly, Multilanguage Journal Indexing in All Major Database & Metadata, Citation Generator |
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Published Paper ID: IJRTI2412022
Registration ID:200047
Published In: Volume 9 Issue 12, December-2024
DOI (Digital Object Identifier):
Page No: a197-a208 Country: Sehore, MADHYA PRADESH, India Research Area: Commerce Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2412022 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2412022 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
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