A COMPARATIVE ANALYSIS OF INVESTMENT CHALLENGES AMONG GOVERNMENT EMPLOYEES AND PRIVATE SECTOR EMPLOYEES IN AIZAWL DISTRICT, MIZORAM: AN EXPLORATORY STUDY

Investment behaviour plays an important role in ensuring financial stability among salaried employees in Aizawl District, Mizoram. Differences in job security, income patterns, and financial awareness influence investment decisions between government and private sector employees. This study compares their investment behaviour, challenges, and financial literacy levels. Primary data were collected from 124 respondents through a structured questionnaire using convenience sampling. Percentage analysis and chi-square tests were used for data analysis. The findings show that 34.7% of respondents belong to the 25–35 age group, and 43.09% fall within the ₹40,001–60,000 income group. Safety of money is the main investment objective, with most respondents preferring bank fixed deposits, followed by insurance and pension schemes. Lack of expert guidance and limited financial knowledge are major challenges. The study emphasizes the need for improved financial literacy programmes and better advisory support to encourage informed and diversified investment decisions.