Investors' Perception and Behaviour Towards Investment Schemes among Bank Employees: An Empirical Study

Abstract

This study is concerned with the aspects of financial investment, risk-taking capacity, liquidity, expected returns and matching of investment decision with personal goals, that is, understanding investment objectives in relation to own goals. An individual in order to make effective investments should be aware of the different investment options in the Indian capital market and how to come up with a good decision to choose the most appropriate investment opportunity. While there are some commonalities and some differences, aspects such as clear objectives, knowledge of the product, risk analysis, investment assessment, personal goals and personal priorities and the time horizon of the investment influence the investment behaviour of bank employees in the same way as of the general public. These are some of the typical factors considered when evaluating an individual's actions and aligning those actions with his/her investment decisions. The purpose of this study is to answer the following questions: What is the effect of the demographic on the investment decision of bank employees and what are the differences in the motives, sources of inspiration and investor behavior in terms of investment preferences? The study explores the perception and behavior of the sample of bank staff of Indore on investment plans and was based on the responses received. Data analysis was carried out with the percentage analysis. The study indicates that age, gender and marital status are among the factors that affect bank employees' awareness of the investment instruments, the factors that influence their assumptions, and their preferences for certain instruments of investment. Financial security is found to be a major drive for investing with bank based savings schemes being a top investment priority among all respondents..