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International Journal for Research Trends and Innovation
International Peer Reviewed & Refereed Journals, Open Access Journal
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
Volume Published : 11
Issue Published : 118
Article Submitted : 21495
Article Published : 8513
Total Authors : 22399
Total Reviewer : 805
Total Countries : 158
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| Paper Title: | ANALYSIS OF HIGHER RATE OF INTEREST CHARGED ON FIXED DEPOSITS AS COMPARED TO SAVING ACCOUNT PUBLIC AND PRIVATE SECTOR EMPLOYEE IN JHARKHAND |
| Authors Name: | GEETA MAHTO , DR.GAJRAJ SINGH AHIRWAR |
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IJRTI_200045
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| Published Paper Id: | IJRTI2412020 |
| Published In: | Volume 9 Issue 12, December-2024 |
| DOI: | |
| Abstract: | ABSTRACT This study examines the awareness of interest rate differences between fixed deposits (FDs) and savings accounts among public and private sector employees in Jharkhand. Fixed deposits typically offer higher interest rates than savings accounts, making them a preferred choice for long-term investments. Using primary data from 640 respondents (320 from each sector), the study highlights differences in understanding based on sector and gender. Findings reveal that 67.50% of public sector employees and 76.88% of private sector employees correctly identified that FDs provide higher interest rates. Female respondents in both sectors displayed slightly higher awareness levels compared to males. Misunderstanding was minimal, with less than 11% in either sector responding incorrectly. However, a notable proportion of public sector employees (22.19%) were uncertain, compared to only 14.38% in the private sector. The study underscores the importance of financial literacy initiatives to bridge gaps in understanding and promote informed financial decision-making. |
| Keywords: | Key words; Fixed Deposits (FDs), Savings, Accounts, Interest Rates, FinancialLiteracy,Gender Differences, Investment Awareness, Financial Decision-Making. |
| Cite Article: | "ANALYSIS OF HIGHER RATE OF INTEREST CHARGED ON FIXED DEPOSITS AS COMPARED TO SAVING ACCOUNT PUBLIC AND PRIVATE SECTOR EMPLOYEE IN JHARKHAND", International Journal for Research Trends and Innovation (www.ijrti.org), ISSN:2455-2631, Vol.9, Issue 12, page no.a168-a180, December-2024, Available :http://www.ijrti.org/papers/IJRTI2412020.pdf |
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| ISSN: |
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: IJRTI2412020
Registration ID:200045
Published In: Volume 9 Issue 12, December-2024
DOI (Digital Object Identifier):
Page No: a168-a180 Country: Sehore, MADHYA PRADESH, India Research Area: Commerce Publisher : IJ Publication Published Paper URL : https://www.ijrti.org/viewpaperforall?paper=IJRTI2412020 Published Paper PDF: https://www.ijrti.org/papers/IJRTI2412020 |
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ISSN: 2456-3315
Impact Factor: 8.14 and ISSN APPROVED,
Journal Starting Year (ESTD) : 2016
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