A changing financial investment behavior of households (A case study of Baramulla town)

Indian capital markets have been highly hectic to receive large volume of funds both from the domestic as well as oversea front. During this time, traditional investment like, banking has seen quite a good amount of dilution as returns provided by the security markets outplaced the return offers of those conventional bankers. Another reason being that security markets during the past many years were developing and were seen trying to become more efficient facilitating flow of information with much ease and at almost free of cost enabling investors to take independent decisions and evaluate their returns and the performance of investments in these markets. All these factors led to a shift in their allegiance towards banking to security markets involvement which provided comparatively better investment appreciation and returns. Therefore this paper isan attempt to undertake the analysis of saving and investment pattern of Households in a semiurban set-up and to identify the factors influencing common investor's attitude and behavior. This paper is divided into three parts. Part one represents introduction, research methodology and objectives of the study. Part two review the analysis of saving and investment pattern of Households in a semi-urban set-up and identify the factors influencing common investors’ attitude and behavior. The analysis in this paper is qualitative as well as quantitative. This study is based on information obtained from primary sources. Final and third part includes conclusion and findings of the study.