An Analytical Study of Saving and Investment Behaviour of the Salaried Class in Keonjhar of Odisha

This article explores the investment habits of the salaried class in Keonjhar of Odisha state, focusing on their preferences, the factors influencing them, and their levels of financial knowledge. Drawing insights from a sample of 300 respondents, this study highlights a strong preference for conventional and secure investment roads, such as insurance, gold, and real estate. Return on investment and financial security emerged as the most critical factors influencing decisions. Most participants preferred independent investment based on personal analysis and reported high satisfaction with their current strategies. Despite moderate skills, the level of diversification or market-bound product participation is still low, but there is clear awareness of general investment opportunities. This study highlights the importance of improving financial education and structured investment guides to improve savings actions and ensure long-term financial stability. These findings offer valuable implications for financial advisors and institutions aiming to boost inclusive comprehensive monetary interest among the salaried portion in semi-urban regions.