A Study On Rural Household Access To Schemes Of India Post Office

Pavan kumar k

doi:10.36948/ijfmr.2025.v07i02.38244

A Study On Rural Household Access To Schemes Of India Post Office

Author(s)	Pavan kumar k
Country	India
Abstract	India Post has been serving rural India for over 150 years, providing communication and financial services. This study explores how rural households access different government schemes through post offices. With more than 1,55,000 post offices, India Post reaches even the most remote areas, offering savings accounts, insurance, pension schemes, and money transfer services. These services are especially important for elderly people, pensioners, and those with limited banking access. Despite the rise of digital banking, rural post offices remain crucial due to their wide reach and trustworthiness. The study examines how much people in rural areas know about postal savings schemes like the Public Provident Fund (PPF) , Senior Citizens Saving Schemes (SCSS) and Sukanya Samrddhi Yojana (SSY). It finds that while these schemes are safe and easy to use, many people are not fully aware of their benefits. The research is based on surveys that collect information about rural households’ financial habits. Some challenges include lack of awareness, operational issues, and dependency on government support. The study also reviews past research on the role of rural post offices. India Post faces difficulties in expanding services while remaining financially sustainable, especially in remote areas where subsidies help keep post offices running. To improve, India Post needs better infrastructure, digital services, and financial education programs. The study suggests that increasing awareness and modernizing services can help more people benefit from postal schemes. Overall, India Post plays a key role in helping rural communities save money and access financial support, making it an essential part of India’s development.
Keywords	India Post, Rural households, Post office schemes, Financial inclusion, Savings accounts, Public Provident Fund (PPF), Recurring Deposit (RD), Senior Citizens Savings Scheme (SCSS), Sukanya Samriddhi Yojana (SSY),Postal Life Insurance (PLI),Money transfer, Government subsidies, Digital banking, Financial literacy ,Economic development, Investment behaviour, Social security schemes .
Published In	Volume 7, Issue 2, March-April 2025
Published On	2025-03-03
DOI	https://doi.org/10.36948/ijfmr.2025.v07i02.38244
Short DOI	https://doi.org/g86wn2

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A Study On Rural Household Access To Schemes Of India Post Office

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