Kajal Mishra

RESEARCH PROJECT REPORT
ON
“A STUDY ON SAVINGS AND

INVESTMENT BEHAVIOUR OF BANK
EMPLOYEES IN LUCKNOW CITY”
Towards partial fulfilment of
Master of Business Administration (MBA)
School of Management, Babu Banarasi Das University, Lucknow
Presented by:
KAJAL MISHRA
Roll No. 1220672159
MBA 2rd Year
INTRODUCTION
 Investment refers to putting money to start or expand a project or to purchase

an asset or interest, where these funds are put to work, with goal to income or
increase in value over a period of time. It occurs in various areas of the
economy such as business management and finance. It may be referred to as
any mechanism used for generating future income .It can also referred to as an
asset that is created with the intention of allowing money to grow. An
investment may involve choice of an individual or an organization after some
analysis or thought to place or lend money in a asset such as property,
commodity, stock, bond or any financial derivatives that has certain level of risk
and provides possibilities of generating returns over a period of time.
 Investment always comes it a certain amount of risk. If not analyzed properly,
investment may be subject to loss of money which cannot be controlled by the
investor. The returns on investment in form of income or price appreciation it
statistical significance is the aim of investing. Risk and return go hand in hand
in investing. Lower risk means lower returns while higher returns are
accompanied by higher risk.
THEORETICAL FRAMEWORK
Banks are an integral part of the global economy, serving as financial intermediaries between
savers and borrowers. They are responsible for storing and lending money, providing financial
services, and facilitating economic growth. Behind the counter of every bank, there is a team
of dedicated employees working diligently to ensure smooth operations and customer
satisfaction. Bank employees play a crucial role in the functioning of the banking sector and
have a significant impact on the overall financial system.
Roles and Responsibilities of Bank Employees:
The roles and responsibilities of bank employees vary depending on their position and level of
expertise. However, some common duties and responsibilities of bank employees include:
Customer Service: The most fundamental role of bank employees is to provide a high level of
customer service to ensure customer satisfaction. They are responsible for assisting customers
with their financial needs and queries, maintaining a professional and friendly attitude.
Transaction Processing: Bank employees are responsible for processing various financial
transactions, including deposits, withdrawals, and transfers. They must ensure accuracy and
maintain the security of all financial transactions.
OBJECTIVES OF STUDY
 To study the sources of motivation for investment.

 To study the relationship between income, savings
and investment.
 To analyze the savings habit and investment pattern
of bank employees in Lucknow.
 To find out the relationship between the
demographic factors of the respondents and the
basis of savings and investments made by the
respondents.
RESEARCH METHODOLOGY
Sample Design
A sample design is a finite plan for obtaining a sample from a given population. Simple
Random sampling is used for this study.
Sample Size
Number of the sampling units selected from the population is called the size of the sample.
Sample of 100 respondents were obtained from the population.
Sources of Information:
The data were collected through Primary and secondary sources.
Primary Source:
The primary sources are discussion with employees, data’s collected through questionnaire.
Secondary Source:
The secondary data mainly consists of data and information collected from records, company
websites and also discussion with the management of the organization. Secondary data was
also collected from journals, magazines and books.
Questionnaire:
A well defined questionnaire that is used effectively can gather information on both overall
performance of the test system as well as information on specific components of the system.
A defeated questionnaire was carefully prepared and specially numbered. The questions were
arranged in proper order, in accordance with the relevance.
Tools and Techniques:
Non probability sampling.
DATA ANALYSIS AND INTERPRETATTION
Responses
Yes No
4%
96%
INTERPRETATION:
From the above study that it was concluded that 96% respondents consulted with others
before making an investment decision.
Number of responses
Pay a fixed amount on a regular basis
Invest on a regular basis but not a fixed amount
Make a lump sum payment
15
31
INTERPRETATION:
From the above study, it was concluded that 59% people preferred paying a fixed
amount on a regular basis, whereas 28% preferred paying not a fixed amount on a
regular basis while 8% preferred making a lump sum payment.
FINDINGS
 Majority of the respondents belong to the age group 20-30.

 When annual income is concerned, majority of the respondents earn in the
range of less than 1 lakh.
 A majority of the respondents were found to be unmarried.
 The majority of the respondents are employees in the private sector.
 The majority of the monthly is being spent for household expenses.
 Bank deposits have been found to be the most preferred saving avenue
followed by fixed deposits and chit funds.
 The main objective of savings was to buy or construct a house in the future.
 More than 68% of the population was found to have made at least some kind
of an investment.
 Friends and relatives was the most common source of information regarding
available investment avenues.
RECOMMENDATIONS
 The most preferred investment tools were found to be insurance

and shares. There are several other avenues like real estate,
debentures, bullions etc. women should be educated about these
and their potential.
 It was observed that there was preference towards low risk
investments keeping in mind, the safety of capital. They must be
encouraged to invest in high risk avenues where there is
potential for higher returns.
 A majority of women prefer self-managed investments. It would
be a better choice to manage investments through institutions
like banks, stock markets etc. who provide a wide range of
services and also gives us advice on where and how to invest.
CONCLUSION
 This study was conducted in order to understand the savings and investment behavior of
bank employees, and also how aware they are of the different savings and investment
avenues that are available, and also the potential and benefits of each of these avenues.
Income, investment and savings are all related and connected terms. Savings are being
done for future needs especially for buying/ constructing houses and children’s education.
It was observed that investments with higher returns were being preferred, but, along with
it, the risk factor severely affected their decisions. This research provides valuable
information to companies about the preferences of women and what they are looking for
while making investments, and also advises them on which individuals to target and plan
their policies and strategies accordingly.
BIBLOGRAPHY
 V.S.P.Rao, “Human Resource Management”, Excel

Books publication, Second Edition.
 Robbins, “Organizational Behavior”, Pearson
Publications, Thirteenth Edition

 Research Methodology -C.R.Kothari.
Web Sites
 www.humanresources.about.com
 www.hr-guide.com
 www.books.google.com

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RESEARCH PROJECT REPORT

“A STUDY ON SAVINGS AND

 Investment refers to putting money to start or expand a project or to purchase

 To study the sources of motivation for investment.

 Majority of the respondents belong to the age group 20-30.

 The most preferred investment tools were found to be insurance

 V.S.P.Rao, “Human Resource Management”, Excel

Publications, Thirteenth Edition

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