A Study on

Saving patterns
Investment opportunities

in Kadapa
 A project work on
Saving patterns and investment opportunities

Submitted by Submitted To
B Narasimha Reddy Dr Hima Bindhu
180A1E0055
Investment opportunities
Home financing
Chit funds
Purchase of gold
Fixed Deposit
Investing in a business
Real Estate
NPS
Home financing
Home financing is the common investment activity
which is widely used in the villages. Financing the
amount to the people who are in need for some
interest rate
Bonds
Bonds are another way to invest your money if you
are not sure about equities or mutual funds.
Bonds also offer you a wide range of options so
that you can go for the right kind of bond that gives
you higher returns.
Purchase of gold
You can buy gold bullion; bars or coins store in
bank or home and sell it to local jewellers
whenever right opportunity comes.
The usual return on investment can vary from 3%
to 10% depending upon the market.
While buying gold you must avoid premium
charges. At best premium charges should not be
more than 10% otherwise you will not gain any
returns while selling the gold.
Fixed Deposit
Term Deposit or fixed deposit is the safest way to
invest your money. The interest rate that you earn
on your investment is much higher than a saving
account.
So if you are looking for long term safe investment
for 10 years with 7% to 8% return then Fixed
Deposits are the best.
Investing in a growing business
• However to invest in a business that is going to
be successful you have to make a right decision
at the right time. Otherwise you may lose your
money.
• You also have to take active interest in the
business and foresee whether the business
model is going to work out or not.
Real Estate
Investing in real estate can be the most valuable
investment opportunity.
There are several ways you can invest in real estate.
The most common is buying property directly. You
purchase the property either for rent, capital gains
on the sale or to flip the house for quick profit.
NPS
The best investment activity to the poor people is to
invest in the NATIONAL PENSION SCHEME which is
run by the central govt of INDIA
Saving pattern
• Physical savings
• Financial savings
• Post office saving plans
Physical savings
Physical Savings is considered as investment in
fixed assets of construction and machinery and
equipment, and change in stocks.
Thus physical assets like; land, buildings, gold,
machinery and livestock will fall under the
category of physical savings
Financial savings
Financial Savings would refer to currency, bank
deposits, non-banking deposits, life insurance
fund, provident and pension fund, claims on
government, shares and debentures.
Post office saving plans
Financial Savings would refer to currency, bank
deposits, non-banking deposits, life insurance
fund, provident and pension fund, claims on
government, shares and debentures.