QUESTIONNAIRE

1. Name : _____________________________

2. Gender: a) Male b) Female

3. Age a) Bellow 30 b) 30-40

c) 40-50 d) Above 50
4. Marital Status:
a) Married b) Unmarried

5. Educational Qualification:
a )Illiterate b) up to school level
c) up to degree level d) Up to P.G level
e) Others

6. Occupation:
a) Government employee b) Private employee
c) Business d) Professional
e) Others
7. Monthly Income:
a) Bellow Rs. 5000 b) Rs.5001-Rs.10000
c) Rs.10001- Rs. 15000 d) Rs. 15001-Rs.20000
e) Above Rs.20000
1. What are facility are available for sending posts ?
a) Ordinary post b) Speed post
c) E-Post d) All the above
2. What is your opinion about the postal service?
a)Very Good b) Satisfied
c) Good
3. Do you know the different types of account available in this post office ?
a) Yes b) No
4. What are the types of accounts are maintaining in the post office?
a) Saving account b) Recurring deposit
c) Fixed deposit d) others
1
 5. What is your mode of saving account in the post office?
a) Saving a/c b) Recurring deposit
c) Fixed deposit d) others
6. What is your opinion about saving account ?
a) Satisfied b) Good c) Very Good
7. Do you have any facility for paying Electricity Bill and Others ?
a) Yes b) No
8. What is your level of satisfactions about post office services ?
a) Not satisfied b) Good c) Very Good
9. Are you satisfied with rate of interest given for saving account ?
a) Worst b) Normal c) Excellent
10. Do you have any facility for loan?
a) Yes b) No
18. Are you receiving your letters on correct time?
a) Yes b) No
19. What is your opinion about employees of the post office?
a) Worst b) Not Satisfied c) Satisfied
d) Good e)Verygood

20. Are you awareness in post office savings scheme? (Please tick √)

YES NO
Post office savings scheme
Electronic money Order
Instant Money Order
IFS Money Order
International Money Transfer services
JAN Suraksha scheme
National Pension System
Electronic Clearing Services
Services through IPPB

21. Level of satisfaction on the following aspects of post office saving scheme

Strongly Agree No Dis Strongly

agree Opinion Agree Dis Agree
Time saving

Convenient

Procedure is easy to below

Various schemes are available

2
 At home services available

CHAPTER-1
INTRODUCTION AND DESIGN OF THE STUDY
1.1 INTRODUCTION
The department of posts functioning under the brand name India post is a government operated postal
system in India. The Indian postal service with 1,55,335 post offices approximately is the most widely distributed
post office system in the world. The large numbers are a result of a long tradition of many disparate postal system
which were unified in the Indian Post independence.

Owning to this tar-flung reach and its presence in remote areas the Indian Postal service is also involved to
other services are also involved to other services such as small savings banking and financial services.

1.2 OBJETIVE OF THE STUDY :

1. To Study the origin & history of the postal service

2. To Study about the profile of postal service in KALLIDAIKURICHI

3. To find reason about the consumer preference in KALLIDAIKURICHI

4. To come out with proper findings & conclusion

1.3 ARE OF STUDY :

The study analysis area is KALLIDAIKURICHI town which is located at Tirunelveli

District.

1.4 METHODOLOGY:
The type of research used in this study is descriptive research design.

1.4.1 Type of survey :

.
The study has used sample survey .
1.4.2 Type of sampling :
This type of sampling sued in convenience sampling
1.4.3 Sample unit :
It is users of postal service in KALLIDAIKURICHI town .
1.4.4 Sample size :
The sample and the used are 50 users .

3
 1.4.5 Data collection :
The primary and secondary data were collected .
Primary data was collected using structured interview schedule .
Secondary data were collected from Websites and Text books .
1.5 TOOLS OF ANALYSIS :
Precentage tables and chart .

1.6 CHAPTER SCHEME :

1. The project is under five chapters
2. The fist chapter deals with “Introduction and Design of the study “. It includes
objectives , area of study , methodology and chapter scheme .
3. The second chapter includes “ Origin and history of the postal service” .
4. The third chapter with “Profile of kallidaikurichi postal service” .
5. The fourth chapter discuss with “Data analysis and interpretation” .
6. The fifth chapter includes with “ Finding and conclusion” .

CHAPTER- II
ORIGIN AND HISTORY OF POSTAL
2.1 INTRODUCTION
2.2 DEPARTMENT OF INDIAN POSTAL SERVICE
2.3 ADVANCE OF INDIAN POSTAL SERVICE
2.4 OPPORTUNITY
2.5 STRENGH
4
 2.6 ALL SERRVICES IN INDIAN POSTAL SERVICE
2.6.1 SPEED POST
2.6.2 E- PAYMENT
2.6.3 LOGISTICS POST
2.6.4 E-POST
2.6.5 MEDIA POST
2.6.6 DIRECT POST
2.6.7 POSTAL LIFE INSURANCE
2.6.8 INSTANT MANEY ORDER SERVICE (IMO)
2.6.9 INTERNATIONAL MONEY TRANSFER
2.6.10 NON POSTAL SERVICES
2.6.11 NATIONAL SAVINGS CERTITICATES (NSC)
2.6.12 KISSAN VIKAS PATRA
2.6.13 SAVINGS ACCOUND
2.6.14 MONTHLY INCOME SECHEME (MIS)
2.6.15 RECURRING DEPOSIT
2.616 POSTAL OFFICE SAVINGS SCHEMES

CHAPTER - II
ORIGIN AND HISTORY OF POSTAL
2.1 INTRODUCTION

5
The Indian postal service with 1,55,333 post offices is the most widely distributed post office system in the world .
The large numbers are a result of a long tradition of many disparate postal systems which were unified in the
Indian union post –independence owing to this far flung reach and its presence in remote areas. The Indian postal
service is also involved in other service such as small savings, banking and financial services.
2.2 DEPARTMENT OF INDIAN POSTAL SERVICE
TYPE : Agency of the government of India
FOUNED : 1764
HEAD QUARTERS : New Delhi, India
KEY PEOPLE : Radhika durai swamy , Director General.
INDULTRY : Postal system

2.3 ADVANTAGES OF POSTAL SERVICE

The most important advantages of Indian postal service are:
√ Most products in companies to SBI and PNB

√ More branches , more

√ More services
√ More employees
√ Good facilities to customers
√ Strong network
√ Cost effective
√ Security / safety with respect to depsits
√ Efficient manpower

2.4 OPPORTUNITIES
√ In rural and urban areas
√ In vending field
√ In developing Indian economy
√ In developing communication to other countries
√ In developing goods rapport with people
√ Increasing numbers of customer
√ Inflationary market
√ Technological advancement

6
2.5 STRENGTHS
√ More products in comparison to SBI and PNB
√ More branches , more facilities.
√ More employees
√ More services
√ Good facilities to customers
√ Strong network
√ Security / safe with respect to deposits
√ Efficient manpower.

2.6 ALL SERVICES IN INDIAN POSTAL SERVICE

2.6.1 SPEED POST:

The very high speed express services for letter and documents speed posts links more than
1200 towns in India with 290 speed post contras in the national network and around 1000 speed post provide in the
state network for regular users and speed provides delivery anywhere in India under contractual service speed post
office refunded. If the consignment is not delivered within the published delivery norms.

2.6.2 E- PAYMENT

7
 The most convenient way to pay your bills one roof with its tremendous reach and expertise
India post specializes in acceptance of payments across the counter and their consolidation e-payment is a many to
one service through which bills paid by customers in post offices are electronically consolidate.
2.6.3 LOGISTICS POST

A brand new service from India post great for sending parcels and large consignment
across the nation and around the world logistics post manages the entire distribution side of logistics infrastructure
collection to distribution from storage to carriage from order fulfillment logistics post is an ideal service for
sending large consignments, including multipacks just in time parcels bulk break consignments and goods of any
weight while parcel post offers weight up to 35kg logistics post has no weight limit logistics service but also
provider comprehension supply chain management service leading to improvement in the service level efficiency.

2.6.4 E- POST

Documents and greeting are sent through online but delivery by mail .

2.6.5 MEDIA POST

8
 Reach millions through advertisement on post cards letters walls of post office, letter boxes
post cards and stationary.

2.6.6 DIRECT POST

Distributing advertising materials directly to prospective customers .

2.6.7 POSTAL LIFE INSURANCE

Postal life insurance was started in 1882 as a welfare measure for the employees of posts and
telegraphs department under Government of India dispatch No: 299 dated 18.10.1882 to the secretary of state due
to popularity of its schemes various departments of central and state government departments nationalized banks
public sector undertakings financial educational institution aided by the government.

2.6.8 INSTANT MANEY ORTER SERVICE (IMO)

The instant domestic money in available in 717 post office however no international money
order facility is available.

2.6.9 INTERNATIONAL MONEY TRANFER

9
 As a result of the collaboration of the department of posts with the customer union financial
services state of the art international money transfer service is now available through post offices in India. The
enables Instantaneous remittance of money from 185 countries to India. The recipients can if fact collects the
money in minutes after sender has made the remittance. The service is targeted to particularly fulfill the needs of
NRI dependent families in India visiting international tourists and foreign students studying in India.

2.6.10 NON POSTAL SERVIICE

The post office has also rationally served as a financial intuition for millions of people in rural
India currently these are some of the activities being supported.
√ Public provident fund
√ National savings certificate
√ Kissan vikas patra
√ Savings bank account
√ Monthly income scheme
√ Recurring deposit account
√ National savings scheme 1992 discontinued from 01.11.2012
√ Post office time deposit
√ Post boxes for mail receipt

2.6.11 NATIONAL SAVINGS CERTIFICATES (NSC)

√ Scheme specially designed for government employees, businessmen and other salaried classes, who are it
assesses.
√ No maximum limit for investment .
√ No tax deduction at service
√ Certificates can be kept as collateral security to get loan from banks.
√ Investment up to Rs. 1,00,000/- per annum for Income tax rebate under section 80c of Income tax act .
√ Trust and HUF Cannot invest.

2.6.12 KISSAN VIKAS PATRA

10
 √ Investment doubles in 8 years 7 months.
√ Encashment at any time after expiry 21/2 years from the date of issue of certificate at any post
office.

√ NRIs and HUF not eligible.

√ Nomination facility is available.
√ Post maturity interest is also admissible at the rate applicable from time to time (at present 3.5
%)

2.6.13 SAVINGS ACCOUNT

√ Any individual can open an account.

√ Cheque facility available.
√ Rate of interest 4% per annum.
2.6.14 MONTHLY INCOME SCHEME (MIS)
√ Safe and share way to get a regular monthly income .
√ Specialty suited for retired employees/senior citizens any one with high sum for investment.
√ Rate of interest 8%
√ Maturity period six years
√ 5% bonus on maturity
√ Post maturity interest at the applicable from time to time (at present 3.5% )
√ Auto credit facility to SB account

Type of account Minimum limit (Rs) Maximum limit (Rs)

Single Rs. 1500/- Rs.4.5 lakhs

Joint Rs. 1500/- Rs.9 lakhs

11
2.6.15 RECURRING DEPOSIT

 Any individual can open an account.

 Advance deposit earns rebate.
 Four defaults are allowed.
 Defaults can be paid within two months.
 Part withdrawal facility in two months.
 Premature closure allowed after three years.
 Pay roll savings schemes are also available for employees of various
establishments.

TYPE OF ACCOUNT MINIMUM DEPOSIT MAXIMUM DEPOSIT

Rs.10/- and in
multiples of Rs.5/-
Individual there after No limit

2.6.16 POST OFFICE SAVINGS SCHEMES

 Any individual (a single adult or two adults jointly)

 Group accounts institutional accounts and miscellaneous account not
permissible.
 Trust , regimental fund or welfare fund not permissible to invest.
 1 year, 2 year, 3 year , 4 year, 5 year TD can be opened.
 2,3 and 5 year TD accounts can be closed offer are year at a discount.
 Rate if interest 6.25%, 6.50%, 7.25%, 7.50% compounded quarterly for 1, 2, 3,
and
 5 years TD account respectively.

CHAPTER-III

PROFILE OF KALLIDAIKURICHI POSTAL SERVICE

3.1 ABOUT KALLIDAIKURICHI

12
 3.2 CONTENTS

3.3 GEOGRAPHY

3.4 DEMOGRAPHICS

3.5 PLACE OF INTEREST

3.6 OTHER ATTRACTION

3.7 TEMPLES

3.8 CHURCHES

3.9 SOME INTERESTING POINTS

3.10 COMMENCEMENT

3.11 STRUCTURE OF THE POST OFFICE

3.12 SWOT ANALYSIS IN KALLIDAIKURICHI POST OFFICE

CHAPTER-III

PROFILE OF KALLIDAIKURICHI INDIAN POSTAL SERVICE

3.1 ABOUT KALLIDAIKURICHI

13
Kallidaikurichi

Location in Tamil Nadu, India

Like many town in southern India kallidaikurchi, Ambasamudram black,

Tirnelvelli district , Tamil Nadu.

3.2 Contents

 Geography
 Demography
 Place of Interest
 Other Attraction
 Temples
 Churches
 Some interesting pointers
 Politics

3.3 Geography

Kallidaikurichi is located at 35 km fromTirnelveli and 45 km from Tenkasi . it is in the foot hills

of western ghats. It is situated in the bank of upper river which is one of the source of water of river Tamirabarani.
Kallidaikurichi town is located at south Latitude and East Longitude.

3.4 Demography
14
 As of 2011 census, kallidaikurichi had a population of 26398. Males12853 and Females 13545 .
kallidaikurichi has an average literacy rate of 79%, higher than the national average of 62.5% . Male literacy is
83% and female literacy 74%. In kallidaikurichi , 10% of the population is under 6 years of Age.

3.5 Place of Interest

Manjolai Hills

Located between elevation ranging from 1000 to 1500 Metres, the Manjolai area is set
deep within the western Ghats within Kalakadu Mundanthurai Tiger Reserve in the Tirunelveli District . Located
on top the Manimuthar Dam & the Manimuthar water falls , the manjolai area comprises Tea Plantations, Small
settlements around the tea plantations; Upper kodiyar Dam and a windy view point called kuthiravetti.

The Tea plantation and whole of Manjolai Estates are tea operated by The Bombay Burmah Trading
Corporation Ltd on Forest Lands leased by the Government of Tamil Nadu. There are 3 tea Estates within the
Manjolai area – Manjolai Estate, Manimuthau Estate & Oothu Estate. These Estate are located on elevations
ranging between 2300 Feet to 4200 Feet . These estates, road & the settlements in the Manjolai area are managed
by The Bombay Burmah Trading Corporation Ltd .

 Manimutharu Dam
 Papanasam Lower Dam & Hydel power plant 1951
 Karaiyar Dam
 Singampatti Zamin place
 Servalar Dam & Hydel project 1987
 Kalakadu Mundanthurai Tiger Reserve
 Agasthiyar Falls fed by lower dam, with its year round bathable
water temperature.
 Baana Theertham Falls
 Tamirabarani river with year round, bathable and swimable
water tempel

3.6 Other Attractions

 Arulmigu sowri Muthiah Ayyar Tirukkoil Singampatti

 Sri Adi Varaha Perumal Temple

 Sree suryamangalam Bagalamuki Devi Temple

 Swamy Sadai Udayar Temple
 Kallidai Pathi. Ayya Vaigunder Temple
 Sangili Poothathar Temple
 Devi Sri vada pathirirakali Amman Templ

15
3.7 Temples

Manenthiappar Temple which was dedicated to Lord Shiva and Aadhivaraga moorthy temple
which was dedicated to Lord Vishnu are ancient temples of this place .

Muthuswami Dikshitar , the great carnatic composer sung song ( Sri Lakshmi Varatham in the
ragha Abohi ) on the Aadhivaraga moorthy swamy .

3.8 Churches

 CSI , Church kallidaikurichi

3.9 Some interesting pointers

 Kallidaikurichi is famous for making appalam.

 Singampatti Zamin palace .
 Pathamadai is famous for fine grass mats called “ Paai “ “Grass mats still hold
their own here “ in Tamil
 Tilak vidyalaya Hr, Sec , School in kallidaikurichi .

16
3.11 COMMENCEMENT

Place - Kallidaikurichi

Inagurated - 1978

Building - Rent building

Post office type - Sub office

Adress - Main Road , Railway station

Kallidaikurichi,

Ambasamudram (TK)

Tirunelveli (Dt)

Phone No - 044634-255200

Post master -

Computerized - 28.02.2010

3.12 STRUCTURE OF THE POST OFFICE

SUB POST MASTER

ASSITENT POST MASTER

ACCOUNTANT

POSTAL ASSISTANT

POSTMAN

3.14 SOWAT ANALYSIS IN KALLIDAIKUICHI POST OFFICE

 STRENGH
 More produce in comparison to SBI and PNB
 More branches , more facilities
 More employees
17
  Good facilities to customers
 Strong network
 Moderate cost
 Security/ safety with respect to deposit
 Efficient manpower

 WEAKNESS
 Lack of advertisements
 Not provide loan to customer
 Unchanged working culture
 Job stress among employees
 Lower rate of interest on desposit

 OPPORTUNITY
 In rural and urban areas
 In vendoring field
 In developing Indian economy
 In developing communication to other countries
 Increasing number of customer
 Inflationary market
 Technological advancement
 THREAT
 Courier services
 A lot of courier companies
 Insurance companies
 Banking sector
 Customer dissatisfaction
 Increasing market share of companies

INDIAN POSTAL SERVICES

 ARMY POSTAL SERVICE

 ELECTRONIC POSTAL SERVICE
 POSTAL LIFE INSURANCE
 POSTAL SAVINGS
 POSTAL BANKING
 POSTAL DATA COLLECTION
 E- COMMERCE DELIVERY

18
ARMY POSTAL SERVICE :

The army postal service ( APS ) , functions as a government operated military mail system in
India . A primary feature of Army postal service systems is that normally they are subsidized to ensure that
military mail posted between duty stations abroad and the home country ( or vice versa ) does not cost the sender
any more than normal domestic mail traffic . In some cases , Indian military personnel in a combat zone may post
letters and / or packages to the home country for free, while in others , senders located in a specific overseas area
may send military mail to another military recipient , also located in the same overseas area, without charge.

Electronic Indian postal Order :

The Electronic Indian postal order ( e- IPO ) was introduced on 22 march 2013 , initially only
for citizens living abroad . the postal orders can be used for online payment of fees for access to information under
the RTI Act of 2005 . The service was expanded to include all Indian citizens on 14 February 2014 .

Postal life insurance :

Postal life insurance ( PLI ) was introduced on 1 February 1884 with the express approval of
the secretary of state ( for India ) to Her majesty , the Queen Empress of India . It was essentially a welfare scheme
for the benefit of postal employees in 1884 and later extended to the employees of Telegraph Department in
1888 . In 1894 , PLI extended insurance cover to female employees of P & L Department at a time when no other
insurance company covered female lives . it is the oldest life insurer in this country . The was over 6.4 million
policies active as on 31 March 2015 with sum assured of $ 130,745 crore ( US $ 19 billion ). Premium income of
PLI for the year 2014 -15 was $ 6.053.2 crore (US$ 880 million ). It covers employees of central and state
Governments, central and state public sector undertakings , Universities, Government aided Educational
Institutions, Nationalized Banks , Local bodies, joint ventures having a minimum of 10% Govt . / PSU stake,
credit CO- operative societies etc .

Postal savings :

The post office offers a numbers of savings plans , including Recurring Deposit Account , Sukanya
Samriddhi Account ( SSA ), National savings Certificates ( NSC ) , Kisan Vikas Patra ( KVP ), the Public
Provident Fund , Savings bank accounts, monthly – income plans senior – citizens” savings plans and time
deposit accounts.

Postal banking :

In 2013 it was revealed that the Indian postal service had formulated plans to enter the
banking industry after RBI guidelines for the issuance of new banking licenses were released . Eventually they are
planning to open a POST BANK OF INDIA ,an independent banking service.

DATA COLLECTION :

A collaboration between the Ministry of Statistics and Programme Implementation ( MoSPI)

and the Department of posts has enabled the computation of consumer – price indices for rural areas . The
agreement authorises the postal service to collected data on price paid for selected consumer goods. In February
2011, MoSPI published its first consumer price Index and All – India Consumer price Index. The information has
since been published monthly , based on data available from 1,181 villages across the country .

E – COMMERCE DELIVERY :

19
 The boom in e- commerce and the surging number of cash – on – delivery consignments has
led India post to partner with major e – commerce portals for delivering pre-paid as well as cash on Delivery
( COD ) parcels . The deliveries are primarily directed at tier – II towns , and parts of the rural heartland, where
India post has Unparalleled reach . it has also set up 57 delivery centers to handle the e – commerce traffic .

20
 OTHER SERVICES :

 Post boxes and post bags for mail receipt

 Speed post
 Identity cards for proof of residence
 India post ATM
 RMS ( Railway Mail service )
 Post office passport seva kendras ( POPSK )
 Aadhaar Enrollment and updation
 Western union money transfer
 Postal life Insurance and Rural postal life Insurance
 Savings Bank

( SB/RD/TD/MIS/SCSS/PPF/SSA)

 Savings cash certificate

 India post payments bank
 Stamp sales
 Post office identity card
 Cable TV renuval
 RL booking and delivery
 Parcel booking and delivery

CHAPTER-IV

DATA ANALIYIS AND INTERPRETATIONS

Table No. 4 . 1

The following table shows Age of the respondents :

21
SI. NO. Age of the respondents No . of the respondents Percentage

1 Bellow 30 5 17 %

2 30 – 40 8 27 %

3 40 – 50 7 23 %

4 Above 50 10 33 %

Total 30 100 %

Source : primary data

Interpretations

The above table shows that 17% of respondents were at the age group of bellow 30 and 27%
of respondents were at the age group of 30-40 and 23% of respondents were at the age group of 40-50 and 33%
respondents were at the age group of above 50.

Therefore it is clear that most of the respondents were at the above 50 age groups .

Table No. 4.2

Table show Gender of the Respondents

SI.NO Gender of the No. of the Respondents Percentage

respondents

22
 1 Male 22 73%

2 Female 8 27%

Total 30 100%

Source : Primary data

Interpretations :

The above table shows 73% of respondents were male and remaining 27% of respondents
were female .

Therefore it is clear that majority of respondents were male respondents .

Table No : 4.3

Table shows type of account in post office :

SI.NO Type of Account No. of . respondents percentage

1 17 42%
Recurring deposit
2 4 24%
Term deposit

23
 3 Savings Account 22%
7

4 Monthly income scheme 12%

2

Total 30 100%

Source : primary data

Interpretations :

The above table shows that 42% of respondents were belonged to RD category and 24% of
respondents belonged to TD and 22% of respondents belonged to SA and 12% of respondents were MIS.

Therefore it is clear that the majority of were RD .

Table No. 4.3

Table shows preference to save :

SL.NO Preference to save No. of the respondents percentage

1 Commercial banks 12 28%

2 Postal service 15 38%

24
 3 Other banks 3 34%

Total 30 100%

Source : primary data

Interpretations :

The above tables show that 28% of users are commercial bank and 38% of users are postal
service and 34% of users are other banks .

Therefore it is clear that majority of the respondents were used the Indian postal service

Table No . 4.8

Monthly saving of the respondents :

SL.NO Monthly saving No. of the respondents Percentage

1 Bellow 1000
13 34%
2 1000 – 2000
8 20%
3 2000 – 3000
6 34%
4 Above 3000
3 12%

Total 30 100%

Source : primary data

25
Interpretations :

The above table shows that from the four respondents 34% of them belonged to saving level of
bellow 1000 and 20% respondents were income level was from 1000 -2000 and 34% respondents were savings
level was 2000 – 3000 and 12% respondents were savings level was above 3000 .

Therefore it is learn that majority of the respondents were below 1000 and 2000 – 3000
savings level .

Table No . 4.5

Types of saving certificate :

Saving certificate No. of the percentage

SI.NO respondents
1 National savings certificate 4 12%

2 Kisan vikas patra scheme 7 20%

3 Not use this type of service 19 68%

Total 30 100%

Source : primary data

Interpretation :

The above table shows that 12% of respondents of NSC and 20% of respondents of KVP and 68%
of respondents of not use this type of service .

Therefore it is clear the majority of the respondents were not using this type of service .

26
 CHAPTER – V

FINDINGS :

The researcher has undergone a study on Indian postal service kallidaikurichi – An Analysis

1. Most of the respondents were at the bellow 30 age groups .

2. Majority of respondents were male respondents .
3. Majority of respondents were married respondents .
4. Majority users of were others .
5. Majority users occupation were others .
6. Majority respondents were 10000 – 15000 income level .
7. Majority of the respondents were used the Indian postal service .
8. Majority of the respondents were bellow 1000 and 2000 – 3000 saving level .
9. Majority of the respondents were used Indian postal service .

10. Majority of were RD .

11. Majority of the respondents were not using this type of service .

12. Majority of the respondents were used the professional courier services .

13. Clear that 54% of the respondents are satisfied with Indian postal service in kallidaikurichi .

RECOMMENDATION :

1. No advertisements
2. Not provide loan to consumer
3. Unchanged working culture
4. Job stress among employees
5. Lower rate of interest on deposit as competors

27
CONCLUSION:

It can be concluded that Indian postal service needs technological , social , cultural & economic
change with a little bit of change . It can create a monopoly in the market .

But Indian postal service is only one central government service for Indian peoples as well as post card ,
postal stamps KVP , NSC , MIS and other some product which is best campier to other private company like
postal life insurance .

The researcher has suggested improving the level of service .

28