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Analysis of Fixed Deposits in Selected Public Sector Banks
Subject area: Management and Commerce · Area of research: Fixed Deposits
Abstract
Fixed Deposits (FDs) remain one of the most preferred investment avenues for conservative investors in India due to their safety, assured returns, and ease of access through banks. This study focuses on the analysis of fixed deposits in selected public sector banks (PSBs), including the State Bank of India, Punjab National Bank, and Bank of Baroda. The objective is to examine the trends, growth patterns, and customer behavior related to FDs over a specific period. The study also evaluates factors influencing deposit mobilization, such as interest rates, tenure preferences, inflation, and changes in monetary policy. By using comparative and statistical analysis, including trend analysis and percentage growth rates, this research identifies how public trust, government backing, and banking strategies contribute to the growth of FDs in these banks. The study further explores the implications of recent economic reforms and digital banking trends on fixed deposit performance. The findings provide insights into depositor preferences and help in understanding how PSBs can better strategize to attract and retain FD customers. This research can benefit bank managers, policymakers, and investors by providing a clearer picture of the dynamics influencing fixed deposit investment in public sector banks.
Keywords
Fixed Deposits, Public Sector Banks, Interest Rates, Deposit Mobilization, Investment Trends, SBI, PNB, Bank of Baroda, Customer Behavior, Economic Analysis
References
[1] Sumant Khanderao Muranjan (1952). Modern banking in India. Kamala Pub. House. p. 80. Retrieved 27 Feb 2012.
[2] Mohan Lal Tannan (1965). Banking law and practice in India. Thacker. p. 23. Retrieved 27 February 2012.
[3] R. P. Maheshwari (1 January 1997). A Complete Course in ISC Commerce. Pitambar Publishing. p. 102. ISBN 978-81-209-0643-3. Retrieved 27 February 2012.
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How to cite this paper
@article{1708589,
author = {M Abdul Basid, Venkatesh M},
title = {Analysis of Fixed Deposits in Selected Public Sector Banks},
journal = {Iconic Research And Engineering Journals},
year = {2025},
volume = {8},
number = {10},
pages = {1558-1560},
issn = {2456-8880},
url = {https://www.irejournals.com/formatedpaper/1708589.pdf},
abstract = {Fixed Deposits (FDs) remain one of the most preferred investment avenues for conservative investors in India due to their safety, assured returns, and ease of access through banks. This study focuses on the analysis of fixed deposits in selected public sector banks (PSBs), including the State Bank of India, Punjab National Bank, and Bank of Baroda. The objective is to examine the trends, growth patterns, and customer behavior related to FDs over a specific period. The study also evaluates factors influencing deposit mobilization, such as interest rates, tenure preferences, inflation, and changes in monetary policy. By using comparative and statistical analysis, including trend analysis and percentage growth rates, this research identifies how public trust, government backing, and banking strategies contribute to the growth of FDs in these banks. The study further explores the implications of recent economic reforms and digital banking trends on fixed deposit performance. The findings provide insights into depositor preferences and help in understanding how PSBs can better strategize to attract and retain FD customers. This research can benefit bank managers, policymakers, and investors by providing a clearer picture of the dynamics influencing fixed deposit investment in public sector banks.},
keywords = {Fixed Deposits, Public Sector Banks, Interest Rates, Deposit Mobilization, Investment Trends, SBI, PNB, Bank of Baroda, Customer Behavior, Economic Analysis},
month = {April},
}