The Government of India has introduced several investment avenues especially meant for middle and lower class people. For the middle class, there are two options available for investment. They are capital market investments and non-capital market investments. Capital market investment includes shares, debentures, mutual funds, UTI units, Exchange Traded Funds, derivatives etc. Bank deposits, Treasury deposit schemes, chit funds of public and sector institutions, life insurance policies and post office savings schemes are the major investment available for middle class investors. However, most of the middle class in the State prefer to invest in non-capital market invest avenues. Insufficient knowledge on all the terms and conditions of various capital market avenues may be one of the reasons for this situation. In this paper an attempt has been made to examine the awareness of the non-capital market investors about the various capital and non-market investment avenues. The present paper attempts to fulfill this. In order to examine the awareness of investors, a total of 261 middle class non capital market investors have been selected from the three sample districts of Calicut, Ernakulam and Trivandrum. The analysis has been done with the help of suitable mathematical and statistical tools like averages, percentages and chi square test.
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