A STUDY ON POST OFFICE SAVINGS SCHEME

The existing body of knowledge on the Post Office Savings Scheme (POSS) in India, highlighting its significance in financial inclusion, investment behavior, and policy formulation. Through a synthesized review of empirical and conceptual studies, the paper identifies key investment drivers such as trust, security, tax benefits, and accessibility, particularly for rural and conservative investors. It further outlines methodological approaches adopted in prior research and assesses trends, growth, and limitations in current POSS literature. Research gaps are discussed, emphasizing the need for modernization, comparative evaluation, and digital integration to enhance the reach and relevance of POSS in India's evolving financial landscape, Keywords: Post Office Savings Scheme, Financial Inclusion, Investment Behavior, Rural Finance, Public Provident Fund, Senior Citizens Scheme