An Analysis of Small Savings Schemes in India


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Case Details:

Case Code : FINC067
Case Length : 9 Pages
Period : 2007-2010
Pub. Date : 2011
Teaching Note : Available
Organization : NA
Industry : Financial products and services
Countries : India

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This case study was compiled from published sources, and is intended to be used as a basis for class discussion. It is not intended to illustrate either effective or ineffective handling of a management situation. Nor is it a primary information source.

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Introduction cont...

There are various schemes offered by the Government of India (GoI) through post offices across the country. These schemes include the post-office Savings Account, the post-office Recurring Deposit Account, the post-office Time Deposit Account, the post-office Monthly Income Account, the post-office Public Provident Fund Account, the Kisan Vikas Patra, the National Savings Certificate, and the Senior Citizens Savings Scheme. The maturity period of these schemes varies from very short as in the case of a savings deposit to over 15 years as in the case of PPF. However, all these investment options come under the same risk class as all of them have fixed returns and are guaranteed by the GoI. The

returns vary between schemes based up their features and maturity period.

The responsibility of promoting and mobilizing small savings schemes rests with the National Savings Institute (NSI), a division of the ministry of finance. The NSI markets the small savings schemes on a nationwide basis and provides the government with feedback from customers.

The small savings scheme program aims at promoting the savings habit and providing safe investment avenues to people with limited income and savings potential. These schemes are operated through about 160,000 post offices across the country. The PPF scheme is also operated through more than 8000 branches of public sector banks.

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