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@article{187482,
        author = {Gajendri. S and Dr. Sadyojathappa. S},
        title = {A Study on the Awareness and Utilization of Postal Services in Hagaribommanahalli Taluk, Vijayanagara District},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {6},
        pages = {4517-4525},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=187482},
        abstract = {The postal system has long played a pivotal role in India’s socio-economic development, especially in rural areas where it serves as both a communication and financial channel. This study examines the awareness and utilization of postal services among residents of Hagaribommanahalli Taluk, Vijayanagara District, with an emphasis on understanding the factors influencing participation in postal savings and investment schemes. Primary data were collected from 105 respondents through a structured questionnaire. The study employed descriptive statistics, chi-square tests, t-tests, and ANOVA to analyze demographic relationships, awareness levels, and utilization patterns.
Findings reveal that respondents possess moderate awareness of postal schemes, with higher familiarity for savings products such as the Public Provident Fund (PPF) and Sukanya Samriddhi Yojana (SSY), while awareness of insurance-based products like Postal Life Insurance (PLI) remains lower. The majority prefer postal services for their safety, reliability, and trustworthiness, rather than digital convenience. Statistical tests indicate no significant differences in awareness across age, education, or customer status, suggesting a uniform information gap. Although computerization has improved efficiency, challenges such as limited digital infrastructure and inadequate publicity persist. The study concludes that postal services continue to hold strong potential for advancing rural financial inclusion, provided strategic efforts are made to enhance awareness, simplify procedures, and expand digital access in remote areas.},
        keywords = {Postal Services, Financial Inclusion, Awareness, Utilization, Rural Development, Customer Perception, India Post, Hagaribommanahalli, Vijayanagara District.},
        month = {November},
        }