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@article{190740,
        author = {Ms. K S Jwalini and Reshma S and Dr. Subitha N},
        title = {A Study on Investment Pattern of Rural Households in Bangalore Rural District},
        journal = {International Journal of Innovative Research in Technology},
        year = {2026},
        volume = {12},
        number = {8},
        pages = {2412-2416},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=190740},
        abstract = {Investment decisions play a critical role in determining the financial security and economic well-being of households. In rural India, investment behaviour is shaped by socio-economic factors, income stability, risk perception, and access to financial services. This study focuses on the investment pattern and behaviour of rural households in Bangalore Rural District, aiming to understand the preferred investment avenues, factors influencing investment decisions, and the extent of participation in modern financial instruments. The research adopts a descriptive research design with a sample of 120 rural households, selected through purposive sampling across various taluks of the district. Primary data were collected using a structured questionnaire, while secondary data were reviewed from relevant literature, government reports, and previous research studies.
The analysis employed percentage analysis, mean score analysis, and chi-square tests using SPSS software to examine investment patterns and relationships between socio-economic variables and investment behaviour. The findings reveal that traditional investment avenues such as bank deposits (76.7%), gold (61.7%), and post office schemes (56.7%) are the most preferred among rural households, reflecting a strong preference for safety, liquidity, and assured returns. Participation in modern financial instruments, including mutual funds (23.3%) and shares (15%), is relatively low, indicating limited awareness and high-risk aversion. Income and education levels were found to be significant determinants of investment behaviour, with higher-income and better-educated households showing a greater tendency to diversify and invest in formal financial products. The study also highlights the influence of social factors, such as family and community advice, on investment decisions.
Furthermore, the study identifies a gap in financial literacy and awareness, particularly regarding modern investment opportunities and digital platforms. While financial inclusion initiatives and access to banking services have improved, behavioural factors such as risk aversion, dependence on traditional investment modes, and limited understanding of complex financial products continue to dominate rural investment behaviour. The findings underscore the need for targeted financial literacy programs, awareness campaigns, and customized low-risk investment products to enhance informed decision-making among rural households.
In conclusion, the investment behaviour of rural households in Bangalore Rural District reflects a balance between traditional practices and gradual adaptation to modern financial instruments, influenced by socio-economic factors, education, income, and social norms. The study provides valuable insights for policymakers, financial institutions, and development agencies aiming to promote financial inclusion, encourage diversified investments, and strengthen the long-term financial security of rural populations.},
        keywords = {Investment pattern, investment behaviour, Risk aversion, financial behaviour},
        month = {January},
        }