A Study On Consumer Satisfaction Towards

CHAPTER-I
INTRODUCTION
INTRODUCTION
Government of India has demonetized 500 and 1000 rupees notes on
November 8, 2016 (more than 86% of value of note in circulation) aiming
to curb black money, forged currency and to promote the cashless
transactions in the economy. Since the announcement, demonetisation has
become a burning topic of debates and discussions among economists,
politicians, media persons and common masses. Different segment of
people have different opinion some are opposing the initiative by stating
that it has created lost of difficulty for people and adversely in those
activities in which cash transactions play a influential role. In contrast there
are some people who brace the move as they opine that it will make a
positive impact on curbing black money. Dismantling counterfeit currency
infrastructure, increasing tax revenues and promoting digitalization of
economy. The GDP growth could be credited to the demonetisation.
Though, effects of demonetisation may differ across sectors of the economy
and sections of the society. The liquidity crunch would negatively impact
the activities. Replacement by new currency notes would differently have
contraction effect on the income and employment activities in the informal
segment may also have the spillover effect in the formal segment of the
economy.
Informal economy consist of self employed, people engaged micro
and small enterprises as wage labour, and worked who are in formally
employed in the formal economy. It consists of more than 85% of workers
and 45% of GDP. Undoubtedly, black income is also generated in this
segment as informal sector is not a single entity. The activities of informal
sector is not a single from high income earning self – employed
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AMAL COLLEGE OF ADVANCED STUDIES
professionals, business man and trader to poor farm and non-farm workers
and self employed workers in pity activities. Although objective
determination was to curb black income and wealth which are confident to
only a small division of Indian population, but its effects have widely
spread across all sectors of economy and all sections of society. Its effects
are more regressive in nature. Workers engaged in the informal economy
bear its brunt. Many workers in this segment are the daily wage earners and
get their wages in cash. The contraction of economic activities in this
section due to liquidity church has adversely affected livelihood of such
workers.
Recent Demonetisation In India
Demonetisation has affected every Indian, but it has hit the
agricultural sector badly. Agriculture in India accounts for 50% of the work
force. Farmers, who are the backbone of our economy, were severely
affected by the note demonetisation of 8 November 2016. Agriculture is
impacted through the input – output channels as well as price and output
feed back effects. Sale, transport, marketing and distribution of ready
produce to mad is dominantly cash dependent farmers suffered a setback
due to nationwide cash shortage and a fall in the demand for vegetables in
wholesale markets. Farmers were not able to purchase inputs like seeds
from market. They were using old seeds from the last year harvest and not
purchasing new quality seeds from market. In northern Indian states, the
crop of rise was prepared. Some of the farmers have sold their crops, and
some was in the process. It is true that almost crops are sold in cash the
transactions which has been done is cash is to be deposited in the banks and
can be withdrawn accordingly. The consumers of rural farmer are not as
advanced as the urban middle class, which can be easily managed with
every little amount of cash. The problem of the demonetisation is largely
associated with the rural areas of the country have lesser number of banks

and ATMS compared to the urban areas and semi urban areas. The problem
was not the inaccessibility of the banks and ATMS, but the limit an cash
which can be withdrawn. A farmer can take a day out from his busy
schedule and manage to go to bank and get the cash back, however the limit
on the amount withdrawal forces him to do that again and again and the
banks in rural areas are some 20 or 30 kilometers the roads in rural areas
can make it look like 50 KMS. Agriculture sector which got bad results due
socio-economic issues of demonetisation.
This study deals with impact of demonetisation on auto industry,
with special reference to car industry as most of the purchase are made
through cash transactions. Indian car industry transactions are
predominantly characterized by the cash transaction. With the growing
industry and world‟s largest market for auto mobile product, it is important
to study demonetisation impact on auto industry. It is not only the current
sales that has impacted but the consumer perception about changing
government policies which has injected the fear which will have greater
impact on long term demand for car (especially luxury cars).
History of Demonetisation in India
The whole country was taken a back when Prime Minister Narendra
Modi on November 8 announced that the currencies in the denominations of
Rs. 500 and Rs. 1000 will be invalid post midnight. However the lower
denomination Rs.10, Rs.20, Rs.50, Rs.100 and coins will be valid. He forth
announced that new notes of Rs. 500 and Rs. 2,000 would introduce shortly.
Thus giving millions of Indians a panic attack. But what do you think was
this the first time an Indian currency was banned of a sudden? Well, the
answer is No. A look in to the past will make you realize that India is no
new to demonetisation.
Demonetisation has been implemented twice -1946 and 1978 in the
past. The first currency ban: In 1946, the currency note of Rs. 1,000 and Rs.

10,000 were removed from circulation. The ban really did not have much
impact, as the currency of such higher denomination was not accessible to
the common people. However, both the notes were reintroduced in 1954
with an additional introduction of Rs. 5,000 currency. Rs. 500 and Rs.1000
notes were introduce in 1934 and after four years in 1938, Rs.10,000 notes
were introduce.
The second case came in 1978; the then prime minister of India
Morarji Desai announced the currency ban taking Rs.1000, Rs.5000 and
Rs.10,000, Rs.5000 and Rs.10,000 out of circulation. The sole aim of the
ban was to curb black money generation in the country. The note ban by
Morarji Desai also aimed to drive away black money out of circulation in
the economy. Hence, the high denomination Bank notes (Demonetisation)
Act was implemented. Narendra Modi announced the currency ban. Ban is
an address that was broadcasted across all news channels. Similarly, Desai
announced the ban over the radio after which the banks were closed the
following day. Both the affairs were kept confidential.
Unlike Modi, Desai didn‟t have the backing of the RBI Governor.
The Governor I.G Patel believed that the ban was implemented simply to
immobilize the funds of the opposition party. Patel also believed that
people never stock black money in the form of currency to too long. It did
have much effect on the people and affected only the privilege few while
the recent ban had shaken the whole country.
Coming back to 2016, there is also a buzz that smaller denomination
currency notes like Rs. 50 Rs 100 will also be replaced by incorporating
few features and deign. And that reminds us of an incident dating back to
early 70s, when there amours of withdrawing Rs.100 note from circulation,
and immediately hoards of people were seen rushing to banks to exchange
their Rs. 10 and Rs.20 currencies.

SIGNIFICANCE OF THE STUDY
In 2016, demonetize 500 and 1000 rupees banknotes. Government
claimed that the action would curtail the shadow economy and crack down
on the use of illicit and conterfeit cash to fund illegal activities and
terrorism. The sudden nature of the announcement and the prolonged cash
shortage in the weeks that followed -created significant disruption
throughout the economy, threatening economic output. Currently the
largest problem facing by many sectors in the economy. All the study about
demonetisation is verifying that the impact of demonetisation in several
sectors. Economy facing long run and short run impact. Ordinary people
faced currency/ money shortage.
To increase our money/currency supply for avoiding money
shortage among the several people. To grow up GDP rate by growth of
several sectors through removing money shortages.
RESEARCH PROBLEM
The demonetisation had reached almost all the segment of the human
life. No doubt, it has highly influenced the way of life and economic
activities .Economy facing multiple issues in the production activities of
any sectors. It affects both the ordinary labours and biggest producers.
When the labours activities are affected it may bring multiple effects in the
household life and Nation also.
Hence the present study is an attempt to examine the effect of
demonetisation on the economy.
OBJECTIVES OF THE STUDY

The present study is based on following objectives
1. To study of social condition of ordinary people.

2. To understand economic condition of several sectors like Banks,
entrepreneurs, Small traders etc.
3. To examine the price and GDP fluctuations.
HYPOTHESIS
1. The social condition of ordinary people are very difficult
2. The economic conditions of several sectors are backward.
3. Price fluctuation negatively affects the people.
SCHEDULE AND PERIOD OF THE STUDY

The primary survey for this study is conducted from December 2017
to February 2018. The secondary data is collected from September 2017 to
February 2018.
SCOPE OF THE STUDY

The present study is an attempt to examine the effects of
demonetisation on socio – economic sectors of the country.
LIMITATIONS OF THE STUDY

The study is carried out within a short duration. Hence data is
collected only within in this duration. Both the time for the study and the
coverage of the study is being very short. It brings many limitations to the
present study. The study is only an attempt to understand immediate effects
of demonetisation on economy.

CHAPTER SCHEME
The present project report is prepared in following chapter;
Chapter One
Chapter one of the present Report deals with the introduction,
Importance of the study, research problem , objective of the study ,
hypothesis of the study and methodology of the study.
Chapter Two
Chapter two of the report deals with the review of literature.
Chapter Three
Profile of the study Are.
Chapter Four
Data Analysis and Presentation.
Chapter Five
Findings, Suggestions and Conclusion.
Chapter Six
Appendix.
Questionnaire.

CHAPTER- II
REVIEW OF LITERATURE
Here in this chapter the important studies in the area of current
research and related to the current research are reviewed. It helps to
understand the existing discussions and findings in the case of
demonetization. Here we try to review the existing literature to the intensity
of the research problem for which this study is carried out.
Nikita Gajjan (2016) 1 deliberated a study on Black Money in India:
Present status and future challenges and demonetization. She described the
framework. Policy options and strategies that Indian Government should
adapt to tackle with this issue and the future challenges to be faced by the
Government.
Vijay and Shiva (2016) 2 examined demonetization and its complete
financial inclusion. They felt that the rewards of demonetization are much
encouraging and the demonetization is in the long term interest of the
country. They expressed that if had given temporary pain but it taught
financial lessons. It influenced banking industries to do considerably
investment on digitalization and impact of banking services.
3
Manpreet Kaur(2017) conducted a study on demonetization and
impact on cashless payment system.He said that the cashless system in the
economy has many fruitful benefits less time-consuming,lesscost,paper less
transaction etc..and he expected that the future transaction system in all the
sectors is cashless transaction system.
Lokesh uke(2017) 4 researched on demonetization and the effects in
india.He studied Positive and Negative impact of demonetization in
india.The study was based on secondary data available in news
paper,magazine etc..The main purpose of demonetization is to eradicate the
black money anddiminish the corruption.He expressed that Government of

india has become success to some extent .Demonetization had negative
impact for a short duration on Indian financial markets. But he said that the
real impact will be shown in future.
5
Sweta Singhal(2017) carried out research on Demonetization and
E-Banking in India. It was a case to check the awareness level of people
rural areas in india about e-banking facilities and how much it has increased
after demonetisation. A sample size of 100 was used with ANNOVA test to
show that rural people differ much with urban people in their awareness
level as well as usage level of e-banking. It was found that urban male
youth have higher awareness and usage of e-banking. She felt that the study
shall also helpful for banks to improve their e-banking facilities.
Sing(2016)6 The demonetization of Rupees 500 and rupees
1000notes was quite a surprise for the entire nation and the immediate
ripple effect of this on the automotive industry was a DIP in the BSE up to
index of 2.5% on December 10,2016. This is due to fact that a number of
potential buyer often down payment in cash or sometimes, purchase a two
wheeler with the complete cash payment.
Ray& Dewan(2016) 7, Over the past 2 months, commercial vehicles
sales, especially heavy vehicles have been on a declining trend on account
of warring replacement of demand, weak industrial activity and uncertainty
related to the impact of goods and services tax(GST) regime on vehicle
prices. With the recent demonetization move, the demand for commercial
vehicles is expected to come under further pressure, which was otherwise
expected to get a boost by end of the fiscal term from pre-buying following
the implementation of BS-IV emission norms from April 2017 onwards.
Mukherjee(2016) 8,Demonetization has badly hit the automobile
sector, with demand in Gujarat, Punjab. The national capital region and
North East being worse than the rest of india. Further he reveals the
significant drop in inquiry and bookings.

Majeed(2016) 9 Writes, demonetization has already dented the sales
across the country. Be it is motorcycle segment, small cars or even luxury
cars, customers are not going ahead with the decision to buy. They are
waiting for the whole issue to settle down before any major spending.
Recovery of the market is expected only by the end of this financial year.
10
Vora and Sahadeo(2016) , Though it has been expected that the
rural segment would be least impacted due to black money erosion drive as
tax-exempted rural income constitutes to be a larger chunk of rural
economy, cash crunch and weak consumer sentiments may hurt demand
cycle, in near term as our dealer check indicates a high cash component in
rural purchases. This is corroborated by HMCL and M&M witnessing
12.9% year on year&23.5% respectively decline in motorcycles and tractors
volume in November,2016.
11
Nithin and Sharmila (2016) Studied demonetization and the
impact an Indian economy. They opened that demonetization has short term
negative impact on Indian economy in different sectors and such impacts
are solved when the new currency notes are widely circulated in the
economy. They also argued that the government should clear all the
problem created due to demonetization and help the economy to work
smoothly.
12
Banerjee&Chatterjee (2016) , Writes in their blog about impact
of demonetization on Indian auto industry and its impact on car market. The
major factor like non cash transaction has considered to be harder hit for the
sale of car. The impact results in inventory piling issue, increased fear
among the end customer regarding changing government norms for
possession of wealth and assets.
13
Nishant P(2016) Has enlisted industries top executives mixed
response towards the impact of demonetisation. Bansal, the co-founder of
10 | P a g e DEPARTMENT OF ECONOMICS
virtual market place for pre owned cars True bill‟ says” The used car
industry is set to experience a positive turn around by the currency
withdrawal move. Considering the current state of the industry-being
organized the move will help to curb a lot of unaccounted cash transactions.
Balachandar(2016) 14 briefs that 35-40% of the prices of SUV‟s and
premium vehicles are paid through cash, black economy gets heavily
invested SUV‟s and premium vehicles. Hence, these categories will also
face the heat in the short term.
15
According to a press release made by ministry of finance,
Department of Economic Affairs, Government of India, in chronicle
journal, vol. XXVIII, January 2017, stated that estimates for gross GDP
growth in financial year 2017 from financial analyst vary from low 3.5% to
a range of 5.5-6.5%.
16
According to care ratings November 18, 2016 the transition from
GVA to GDP would remain unchanged at 0.2% as per initial estimate.
Overall GDP growth would be affected by 0.3-0.5%.
17
According to CMA Jai Bansal in his paper “Impact of
demonetization on Indian economy” January 2017 Governments
intervention is a one time draining of this current stock of black money but
unless the root cause of corruption are removed, corruption will continue. It
is a sort of like a dialysis, more of a short term cleaning up than a solution
of the problem. It needs to be repeated periodically.
According to Tim Worstall, Forbes Contributor in the article
“effects of demonetization on india‟s GDP difficult to calculate we don‟t
even know the sign”. November 19,2016 that the flow of money in to bank
accounts will reduce rates and that has a stimulatory effects upon economic
growth.
18
Rahul Prakash Deodhar (2016) study analyzed the “Black Money
and Demonetarization” the government of India announced that the Rs.500
and Rs.1000 denominated currency notes will cease to be legal tender. The
move was targeted to words tackling black money, corruption and
terrorism. After initial euphoria, question began to emerge. What are the
coasts of this demonetarization? Will it be effective if people can still create
new black money there after? The author concluded that it is just one move
of one piece in the chess board of black money. To check move the black
money king, you have to win in the boarder there are various steps required
as detailed above. Government can play all these moves and still fail if they
play improperly. All we can say is that government is playing well. But will
be it succeed? The efforts will bring massive amounts of cash in to the
banking system a benefit in itself. He is say once the money is in the
legitimate channels it should be better utilized and revenue will be
generated from its use if that is success enough then yes.
19
Dr. Pratap Singh and Virender Singh (2016) both are study
observed the “impact of demonetarization on Indian Economy” India has
amongst the highest level of currencies in circulation at 12% of GDP. Cash
on hand is an estimated and at around 3.2% of house hold assets, higher
than investment in equities, or roughly around $ 220 billion. Of this cash
87% is in the form of Rs. 500 and Rs.1000 notes or roughly Rs.14 lack
corer. A significant portion of the household cash on hand is generated by
economic transactions that are not reported to tax authorities or generated
through corruption. Scrapping the higher denomination money would either
result in these being brought in to the system or the money just despairing.
The study highlights the probable consequences of this decision on various
economic variables and entities.
20
Annamalai, S. and Muthu R. Liakkuvan (2008) both are study
analyzed “retail transaction: future bright for plastic money” projected the
growth of debit and credit cards in the retail transactions. They also
mentioned the growth factor, which leads to its popularity, important
constrains faced by banks and summarized with bright future and scope of
plastic money.
21
Jeyati Ghosh (2017) study analyzed “there was no need for
secrecy. All demonetization through history have been done with some
advance warning”. Commenting on demonetarization, Joshi says any
description in flow of money, Verily the economy‟s life blood, impacts
business cycle quickly. There is no president to the scale of
demonetarization that has taken place in India.
Karthik Hosanagar (2017) 22 study analyzed “the biggest wild card in
all of this, of course, is demonetarization”. Part of the problem with
demonetarization was that it came as a bolt from the blue; the government
claimed giving advance notice would have the defeated its purpose. But not
everyone agrees with that view. “There was no need for secrecy”, counters
Jayati Ghosh, a Professor of social science at Jawaharlal Nehru University.
Jitendra Sing (2017) 23 Demonetarization represents much more than
destabilization; critics argue that it has stack a body blow on economic
activity in India. The decision which was entirely unexpected was
announced on 8 November 2016. While the pros and cons of the measure
still continue to be debated, the censuses of opinion appears to that while
the proponents of demonetarization may have had good intentions, the
suffering it has caused to millions of Indians is unwarranted.
24
Sumith Agrawal (2016) study analyzed the impact of
demonetization on the common man. The demonetization happened
November 2016. That will not only have economic impact but also social
and political ramifications, both from immediate and long term perspective.
He also reveal the impact of demonetization on the social and political
sector.
25
Ani S Chakravarthy (2016) study analyzed “demonetization
impact decoded : Gainers and loser”. The government has pulled of
arguably the most significant reform measure in its tenure. While this
expeditious move to boldly counter the black money and parallel economy
threat is likely to have significant repercussions, importly, this efforts will
have a visible impact on government policies and international circles of
economic power. He have tried to answer some of the more questions. He
analyzed the impacts of short-term. There will be a destruction in the
current liquidity situation us householders are likely to get effect by the note
exchange terms laid by government. Unorganized sector proceeding
including small trade market activities will remain volatile in the short term.
26
Parag Waknis (2017) study analyzed demonetization through
segmented markets: some theoretical perspective. The decision to
demonetize 86% of India‟s currency has been wildly and substantially
debated by notable scholars of political science and economics. This article
wishes add to that debate, by focusing on macro economic theory and how
the policy decision effects the organized and unorganized sector of the
Indian economy-provided certain assumptions remain in place. The
following analysis is based on the money multiplier theory and the
segmented markets model of economic and monitory policy analysis. For
the purpose of this article, demonetization understood as m2-which is the
some of currency in circulation, demand deposits with commercial and
cooperative bank, interbank deposit, and post office saving deposit.
27
Sudhir Pai (2016) study analyzed demonetization and its impact
on real estate. According to Sudhir Pai after demonetization, there as been a
spate of differing opinions how it is likely to impact real estate. Alternative
opinions from the builder community, note unsurprisingly, have pointed to
prices remaining steady and to demand going up infect and both sides, have
quoted strong logical reasons to back their opinions – the former quoting
the component of black money involved in real estate transactions; and the
latter basing their arguments on an expected softening of interest rates as
well as on thin margins in the industry which don‟t allow price to be cut. On
the view of Sudhir Pai real estate is a complex opaque market; how prices
move in the next few months would depend on how prices move in the next
few months would depend on how several price drivers play out in this
period – supply , sentiment, interest rates, rental.
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[1] Nikita Gajjar(2016). Black Money in India: Present Status and Future
Challenges and Demonetization. International journal of Advance Research
in Computer Science and Management Studies.ISSN:2321-7782.Volume
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[2] S Vijay Kumar and T Shiva Kumar(2016). Demonetization and
Complete Financial Inclusion. International Journal of Management
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[3] Manpreet Kaur(2017), Demonetization: Impact on Cashless payment
system .International Conference on Recent Trends in Engineering, Science
and Management .ISBN 978-93-86171-21-4, 8th January,2017.
[4] Lokesh Uke(2017). Demonetization and its effects in India. SSRG
International Journal of Economics and Management Studies. Volium
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[5] Dr.SwethaSinghal(2017). Demonetization and E-Banking in India
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[6] Sing.S (2016). 2:45 PM, Impact of demonetization of rupees
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[7] Ray.S. and Dewan.S(2016) “Near term growth momentum may be
impacted by the ban of high denomination notes: ICRA (SubrataRay.
Senior group vice president, ICRA) Retrieved from
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[8] Mukherjee.S and Shukla.S (2016). “Post demonetization ,auto
industry fears 30%drop in November retail sales”. Retrieved from
www.cconomictimes.indiatimes.com on 7/1/2017.
[9] Majid.A (2016) “Demonetization drive dents automobile sales”
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wheelers,SUV‟s, Premium Vehicles sales. Retrieved from
http://www.thehindubusinessline.com/economy/ban-premium-vehicles-
sales/article9323140-ece
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(18) Rahul prakash Deodhar „Black money & Demonetisation‟ 14
November 2016,http://papers.ssrn.com/SOB/papers. Abstract id=286912
(19) Dr.pratap sing &virender sing “impacts of demonitisation on Iindian
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(22)Kartik Hosanagar „The biggest whild card in all of this,ofcours, is
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CHAPTER III
SOCIO-ECONOMIC PROFILE OF THE
STUDY AREA
This chapter examines the general features of the study area. The
study is conducted in Nilambur Municipality which is in Nilambur block of
Malappuram district consisting 33 divisions, 4 Taluks in the Malappuram
districts of Kerala. It is famous for its forest. It is located close to the
Nilgiris range of the Western Ghats on the banks of the Chaliyar river. It is
about 40 kilo meters from Malappuram city and 24 kilometers from Manjeri
on the Kozhikode Gudalur road called CNGC Calicut-. Nilambur-Gudallur.
It is the first municipality in India to achieve primary level education
for all inhabitations. Nilambur attracts to tourists because of the variety of
its forest than contain bamboo, teak rosewood etc..
Banglavum Kunnu is a place located in Nilambur where the DFO,
under colonial India, in 1929, built a sightseeing Bangalore. The main idea,
of the building was to see the approach of the Tippu Sulthan‟s army via
Nadukani Churam. The huge Bangalore is situated is at the center of the
Nilambur forest near the Chaliyar river.
NILAMBUR KOVILAKAM
Nilambur Kovilakam is a compound of several old places and few
new houses occupied by members of the old royal family of Nilambur.
Some of the buildings are more than 200 years old.
GATE WAY OF NILAMBUR
The two kilometers beautiful forest road from via do puram Bridge
to court road Nilambur is popularity known as gateway of Nilambur. The
road is surrounded by teak plantations on both sides and foot paths walk
through. This place is now emerging as popular destination for a short brake
on the way to Ooty Mysore and Bangalore.
NILAMBUR TEAK FOREST AND PLANTATIONS
The Nilambur Forests are also known for their tribal settlements,
vast rain forests, waterfalls and the world‟s fist teak Museum. Just 2
Kilometers (1.2 mi) from Nilambur town, there is the oldest teak plantation
in the world, the Canollys plot. It is named after H.R colony, The British
Malabar district Collector, who was instrumental in planting teak there.
ChathaMenon, a forest officer, organized the planting of the teak garden.
Kanimari, the plantations oldest teak tree, is another attraction. The plot
extends across 2.31 hectares (5.71 acres) besides the chaliyar river.
TEAK MUSEUM
On the Nilambur – Gudallure road, 4 kilometers (2.5 mi) away from
the town, there is teak museum, a sub center of the Kerala forest research
institute. The two storage building houses exhibits, articles and details of
the historic, aesthetic and scientific value, which give information an all
aspects of the teak trees, plantations and soon.
POPULATION
Nilambur is a census town city in district of Malappuram, Kerala.
The Nilambur census town has population of 46,366 of which 22,262 are
males while 24,104 are Females as per report released by census India.
Population of children with age of 0-6 1 s 5535 which is 11.94% of total
population of Nilambur (CT)in Nilambur town census town, females sex
ratio is of 1083 against state average of 990 compound to Kerala State
average of 964.
Nilambur census town has total administration over 10,223 houses to
which it suppliers basic amenities like water and sewerage. It is also
authorize to build roads within census town limits and impose taxes on
properties coming under its jurisdiction.
Nilambur consists of the local language here. Also people speak
English. Total population of Nilambur Taluks is 50994 living in 9590
houses, spread across total 13 villages and 11 panchayath males are 24695
and females are 26298.
RELIGION
In Nilambur about 41.43% are Hindus and 50.22% belongs to
Muslim category. Christians are 8.18%, 0.02% Buddhist, Sikh are 0.01%
and others are 0.02%.
BOUNDARY
Nilambur municipality is bounded by Kerala and
Amarambalampnchayath in east, chungatharapanchayath in the south,
wandoor and mampadpanchayath in the north, chaliyar in the west.
ADMINISTRATIVE SETUP
Nilambur census town has total administration over 10,223 houses to
which it supplies basic amenities like water and sewerage. It is also
authorize to build roads with in census town limits and impose taxes on
properties coming under its jurisdiction.
CLIMATE
Nilambur has a climate with temperature ranging between 18c and
36c the average rainfall is 180 centimeters like other region of Malabar
region this area south west monsoon from September to November.
LAND AREA
The total area 3815.7924 hectors and in their 342.2322 hector are
cultivated land and the rest of the household is 2763.0770 and barren is
710.2102 and the rest is 0.2730 areas.
NATURAL RESOURCES
Nilambur is blessed with diverse natural resources and soil found is
forest soil found is forest soil, clay soil and literate soil. Their differences
seen in the soil resources help the abundant growth of various crops.
Nilambur is also famous for teak trees and wild life habitat.
WATER RESOURCES
There are three river flow through this Panchayath namely Chaliyar,
Karimpuzha, Kuthirapuzha. As part of this river, there are several ponds
and more than 7 streams, which provide adequate water for the live hood
and agriculture.
FOREST RESOURCES
The region is blessed with abundant forest resources of 1336820
hector of the total land areas is covered with forest resources there various
type of wood is seen used for different purpose.
LITERACY RATE
Literacy rate of Nilambur is 94.88% higher than state average of
94.00%. In Nilambur, male literacy is around 96.88%, while female literacy
rate is 93.06%.
AGRICULTURE
Nilambur is primary an agriculture area the monsoon crops are
rubber, paddy, coconut, pepper, coffee, banana etc..
MEDICAL AND HEALTH FACILITY
Under the government undertaking in this municipality there are
PHCS and ICHCS, 4 such centers. There is I District hospital, Ayurvedic
hospital dispensaries andHomeo dispensaries. In private sector also certain
health institution are there but the working 4 progress of these institutions
are not proper way.
EDUCATIONAL FACILITY
There are 8LP Schools, 4 UP Schools and a large number of other
educational institutions like English medium School, Parallel College,
Arabic College, Anganvadi and computer centers and other coaching
centers.
CHAPTER-IV
DATA ANALYSIS
This chapter briefly present the data analysis of the respondents of
the Nilambur Municipality. Here we also examine the main impacts of
demonetisation on social and economic life of Nilambur area. The profile of
the respondents is also included in this chapter. The profile consists of
information regarding the socio economic and demographic details of the
respondents.
RELIGIOUS STATUS OF THE RESPONDENTS
The religion consists of Hindu, Muslims, and Christians.
Table:4.1 :Religious Status of the Respondents
Serial No Religion Frequency Percentage
1 Hindu 16 46%
2 Islam 13 37%
3 Christian 6 17%
Source: primary source 2017
My study covers all religion, in which take 46 percent, Hindu, 37

percent Islam and 17 percent Christian.
SEX RATIO OF RESPONDENTS
The sex ratio consist Male and female.
Diagram:4.1 :Sex Ratio
ratio
male female
Source: Primary source 2017

From the sample, 72 percent is male and 28 percent is female. Male
is the majority ratio.
EDUCATIONAL STATUS OF THE RESPONDENTS
All the respondents‟ resources persons do not have professional
experience and a few qualifiers are there and some primary educated
people.
Table:4.2 :Educational Status
Levels Frequency Percentage
Primary 15 43%
Secondary 6 17%
HSE 6 17%
Degree 5 14%
PG 3 8%
The people they are coming from different level of education.
Majority is on primary level. So the experience is also different.
OCCUPATION STATUS OF THE RESPONDENTS

The main occupation consists of salaried, Daily wagers, self employed,
Agriculture and Business people.
Table:4.3 :Occupation
Types Frequency Percentage
Salaried 9 27%
Daily wage 6 18%
Self employed 11 31%
Agriculture 5 15%
Business 3 8%
Source: primary Source 2017
The people they engaged in different level of occupation. Salaried,

daily wage, self employed, Agriculture, Business. We got majority on self
employed.
INCOME STATUS OF THE RESPONDENTS

The people consists APL (Above poverty line) and BPL (Below
poverty line).
Diagram: 4.2: Income Status.
The study covered small number of APL family and large number of
BPL family. Got majority respondents from BPL family.
Income Status
18.2
18
17.8
17.6
17.4
17.2
17
16.8
16.6
16.4
APL BPL
frequency
Source: Primary Source
SPENDING HABITS OF RESPONDENTS

The spending ratio of respondents is in different ways like decrease,
increase, or partially.
Table: 4.4:Effects on spending habits.
Spending Frequency Percentage
Increased 11 31.4%
Decreased 21 60%
Partially 3 8%
Source: Primary Source 2017
From the table, 60 percent person's response about their spending is

declined and 31.34percent they try to increase their spending.8 percent
persons response they have partially change their spending on
demonetisation.
TRANSACTION METHOD OF RESPONDENTS
Respondents choose card, cash, or cheque whatever will be;
Diagram: 4.3:Methods of Transactions.
Methods of Transactions.
cash card cheque

At the time of demonetisation cash is the most used method for
transactions. Card is useless proportionate. Cheque is used only 1 percent.
LEVEL OF DIFFICULTY IN USING NEW Rs.2000 NOTE

Table:4.5: Difficulty on Rs.2000 note.
Response Frequency Percentage
Difficult 28 80%
No difficulty 7 20%
Source: primary Source 2017
From the study 80 percent people says that they had difficult to use
the new currency of Rs.2000 and 20 percent people feel it more difficult.
RESPONSE ABOUT DEMONETISATION
Diagram:4.4: Response about Demonetisation.
Demonetisation Effect
35
30
25
20
15
10
5
0
good bad
frequency
Source: Primary Source

From the above diagram, 88 percent people thinks the government‟s
move of banning old Rs.500 and Rs.1000 notes very bad and 11 percent
people thinks the movement is not much bad, it is good.
AWARENESS OF CASHLESS TRANSACTIONS

All are not aware about cashless transactions. But now a day‟s
cashless system is very popular.
Table:4.6:Awareness of cash less transactions.

Yes 20 57%
No 15 43%
Source: primary Source 2017.
From the study, 57 percent aware of cashless transaction. But still 43
percent don't know about cashless system.
RESPONSE ABOUT CASHLESS TRANSACTIONS
Table:4.7:Response about cashless transactions.
Easy 8 23%
Difficult 27 77%
Source: primary source 2017.
Only 27 percent people feeling cashless transactions is very difficult

to them. Only 8 percent people response to favour of it.
DEMONETISATION AFFECT ON BUSINESS
Demonetisation affects differently on business of respondents.
Table: 4.8: Demonetisation affects on business
Yes 23 66%
No 12 34%
In the study 23 people says against Demonetisation because they
suffer business loss after the affect of demonetisation (Around 66 percent
people) .
EFFECT OF DEMONETISATION ON DAY TO DAY LIFE
Diagram: 4.5: Effect on Day to Day life.
Effect on Day to Day Life

30
20
10
0
responce Good Bad partially
Series1 Series2
Only 3 percent people supporting Demonetisation. Remaining others
are says that Demonetisation affects on their day to day life.
DEMONETISATION EFFECT ON DIFFERENT LEVELS OF

PEOPLE
Table:4.9:Demonetisation Effect on Different levels of people.
Rich - -
Middle 16 46%
Poor 19 54%
From the opinion of study samples only poor and middle people
suffer the difficulty on their life by Demonetisation. 46 and 54 percent
people are them.
DEMONETISATION LEADS TO CHANGE POST PROGRAMMES

OBLIGATION.
Table:4.10:Demonetisation leads to change post programmes
obligation.
Yes 16 46%
No 19 54%
Around 46 percent people change their programmes like marriage,
land purchase etc, because of the currency issue.
BANK DEPENDENCY OF RESPONDENTS
Bank is the major source of cash transactions at the time of
demonetisation. Change of new currency with old banned currency through
banks.
Table:4.11:Bank Dependency.
Yes 32 92%
No 3 8%
Around 92 percent people go to bank since 8/11/2016. They are
depending mostly the bank service.
AVAILABILITY OF CASH DURING DEMONETISATION PERIOD

Table: 4.12:Amount get for need.
Yes 23% 66%
No 12% 34%
From the table, 23 percent people got money from the bank for their
needs. And 12 percent people not get. It prove that the difficulty of
exchange.
SATISFACTION IN AVAILING CASH

Table:4.12:ATM or Bank supply satisfaction
Yes 9 26%
No 26 74%
There are only 26 percent people says that ATM or Bank in their
locality being steadily supplied with cash. And 74 percent have no
satisfaction.
CONFIDENCE ON DEMONETISATION
Diagram: 4.6: Confidence on Demonetisation.
Confidence on Deposits
Yes No

There are 94 percent people confident on their Bank deposits. If have
any currency issue government will find solutions and provide services
through bank.
SAVING HABITS OF RESPONDENTS
Majority of persons have savings or accounts on the bank. They
deposit their remaining share of earnings as saving.
Table: 4.13: Saving habits.
Yes 34 97%
No 1 3%
There are 97 percent people have deposits. They have saving
habits. They keep their income portion for future.
WILLINGNESS TO CONTINUE SAVING

Table: 4.14:Willingness to continue saving.
Yes 33 94%
No 2 6%
There are 94 percent people want to continue their saving through
banks. They are confident with bank.
AVAILABIILITY OF BANKING SERVICES DURING POST

DEMONETISATION PERIOD
Table: 4.15: Bank services on crisis.
Yes 32 91%
No 1 3%
Partially 2 6%
Source: Primary Source 2017.
There are 91 percent people feels bank helps them at the time of
Demonetisation. They think bank can help them during crisis.
At the time of demonetisation lot of problems faced by people.
People say in favour of Demonetisation and banks and cashless
transactions. But most people say against that. The study is about
demonetisation effects of demonetisation on social and economic life of the
ordinary people. So the samples are ordinary people from the local area. So
they feel that demonetisation negatively affected their life.
CHAPTER-V
FINDINGS, SUGGESTIONS AND
CONCLUSION
In this chapter the major findings from the study, the suggestions by
the researcher emerged from the forgone discussion and findings and the
conclusion drawn from the entire study are presented.
FINDINGS OF THE STUDY
Following are the major findings of the study;

It caused a lot of inconvenience to common people. People were
forced to stand in long queues at ATMs and banks as there was very low
limit of withdrawal each time. Still there are many Indians, especially in the
below poverty line section that have no bank accounts. They will have no
other option, because one person can exchange old notes worth Rs.2000/-
only. Remaining amount can be deposited in the bank accounts. People who
are in emergency situations such as medical emergencies and marriage
ceremonies are suffering because of the present situation. Cost of
demonetization is more than its benefits. The expenditure for printing new
notes and the costs to carry out denomination move are very high. Most of
the black money may not be in terms of physical cash. Around 85% of
transactions in India are cash transactions. So It may not be the right move
to force everyone towards cashless transactions all of a sudden. Once the
new notes come into circulation, the problem of black money may return to
the previous position.
The decision was one-sided. India is a democratic country.
Democratic government shouldn‟t take one-sided decisions like
Monarchical governments.
SUGGESTIONS
Limit on cash withdrawal should be removed so that the flow of cash
increase and leads to reduction of queue‟s. Work shop and seminars should
be organised for people of rural areas who are not aware of net banking
system. Illiterate people should be given education about the use of debit
and credit cards. More branches of banks should be opened in rural areas
where there is no banking facility. Zero balance bank account should also
be opened in private banks so that it can attract low income group or
common people. Bank needs to promote and encourage people to use
internet banking. Banks needs to increase the number of ATMs. Mostly
service class persons prefer the bank in the comparison of business and
students and other class persons thus it needs to promote its products and
services that are offered mainly for the business class people and ordinary
people, because these two class forms major uses of the banking services.
CONCLUSION
Government of India has demonetized 500 and 1000 rupees notes on
November 8, 2016 (more than 86% of value of note in circulation) aiming
to curb black money, forged currency and to promote the cashless
transactions in the economy. Since the announcement, demonetisation has
become a burning topic of debates and discussions among economists,
politicians, media persons and common masses. Different segment of
people have different opinion some are opposing the initiative by stating
that it has created lost of difficulty for people and adversely in those
activities in which cash transactions play a influential role.
The demonetisation had reached almost all the segment of the human
life. No doubt, it has highly influenced the way of life and economic
activities .Economy facing multiple issues in the production activities of
any sectors. It affects both the ordinary labours and biggest producers.
The Demonetisation on 8th November 2016 was a milestone of the
history. People suffer difficulty in their transactions after the
Demonetisation of Rs.1000 and Rs.500 notes. There are a lot of problems
faced by Indian economy. Shortage of the currency leads to rush in banks
and diminished the purchasing power of people. Real estate became loss
and the spending habits of people became low. Salary or wage did not got
properly. Most of the merchants cancelled their order due to the low level of
demand. And Bank was one and only source of currency supply .But take
many days for currency transactions. The long queue in front of the ATM
increased over the days. The new currency of Rs.2000 made difficulty for
transactions because had no change for Rs.2000. Rs.500 did not get
properly at initially.
BIBLIOGRAPHY
 Nikita Gajjar(2016), Black Money in India: Present Status and Future
Challenges and Demonetization.International journal of Advance
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system.International Conference on Recent Trends in
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www.cconomictimes.indiatimes.com on 7/1/2017.
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sales/article9323140-ece
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APPENDIX
EFFECTS OF DEMONETISATION ON SOCIAL AND ECONOMIC
LIFE:
A STUDY IN NILAMBUR MUNCPALITY
INTERVIEW SCHEDULE
1 Name of the respondent
2 Religion &Caste
3 Gender Male/Female
Primary/Secondary/HSE/Degree/P
4 Educational Status
G/technical/other
Salaried/Self
5 Occupation
employed/Agriculture/Business
6 Economic Status APL/BPL
Do you think your spending habit

7 Yes/No
decreased?
8 Method of transaction Cheque/cash/card
Have any difficult to use the new
9 Yes/No
currency of Rs.2000 in the market
What do you think of the

10 government‟s move of banning old Good/Bad
Rs.500 and Rs.1000 notes?
What do you feel the important
11 effects of demonetisation
Are you aware of cashless

12 Yes/No
transaction?
How do you see the cash less

13 Easy/Difficult
transaction?
Do you think demonetization has

14 Yes/No
affected your business?
15 If yes how it affects you?
How the demonetisation affects

16 Good/Bad
your day to day life?
Whom do you think the move has

17 affect the most in the hierarchal Rich class/Middle class/Poor class
ladder of India‟s economy?
Does the demonetization change in

18 post programs of social
obligation?
Did you go to bank since
19 Yes/No
8/11/2016 ?
Where able to withdraw money
20 Yes/No
using cheque or card?
How much time did you spend at
21 the bank or ATM to get you
money from your account ?
Did you get the amount you
22 Yes/No
needed?
Are the ATMs or Bank in your
23 locality being steadily supplied Yes/No
with cash
How long have you standing the
24 queues before you could withdraw
or exchange sum of your money ?
Do you think your deposit is
25 Yes/No
secured?
26 Do you have saving habit ? Yes/No
27 Do you want continue the saving ? Yes/No
Do you think bank can help you
28 Yes/No
during crisis ?

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CHAPTER-I

1|Page DEPARTMENT OF ECONOMICS

2|Page DEPARTMENT OF ECONOMICS

3|Page DEPARTMENT OF ECONOMICS

4|Page DEPARTMENT OF ECONOMICS

OBJECTIVES OF THE STUDY

5|Page DEPARTMENT OF ECONOMICS

SCHEDULE AND PERIOD OF THE STUDY

SCOPE OF THE STUDY

LIMITATIONS OF THE STUDY

6|Page DEPARTMENT OF ECONOMICS

7|Page DEPARTMENT OF ECONOMICS

8|Page DEPARTMENT OF ECONOMICS

9|Page DEPARTMENT OF ECONOMICS

Source: primary source 2017

My study covers all religion, in which take 46 percent, Hindu, 37

Diagram:4.1 :Sex Ratio

Source: Primary source 2017

Majority is on primary level. So the experience is also different.

OCCUPATION STATUS OF THE RESPONDENTS

Agriculture and Business people.

The people they engaged in different level of occupation. Salaried,

INCOME STATUS OF THE RESPONDENTS

Source: Primary Source

SPENDING HABITS OF RESPONDENTS

From the table, 60 percent person's response about their spending is

cash card cheque

Source: primary source 2017

LEVEL OF DIFFICULTY IN USING NEW Rs.2000 NOTE

Diagram:4.4: Response about Demonetisation.

Source: Primary Source

AWARENESS OF CASHLESS TRANSACTIONS

Table:4.6:Awareness of cash less transactions.

Only 27 percent people feeling cashless transactions is very difficult

Effect on Day to Day Life

Source: primary source 2017.

DEMONETISATION EFFECT ON DIFFERENT LEVELS OF

DEMONETISATION LEADS TO CHANGE POST PROGRAMMES

AVAILABILITY OF CASH DURING DEMONETISATION PERIOD

SATISFACTION IN AVAILING CASH

Source: primary source 2017.

WILLINGNESS TO CONTINUE SAVING

AVAILABIILITY OF BANKING SERVICES DURING POST

FINDINGS OF THE STUDY

Following are the major findings of the study;

1 Name of the respondent

6 Economic Status APL/BPL

Do you think your spending habit

8 Method of transaction Cheque/cash/card

What do you think of the

Are you aware of cashless

How do you see the cash less

Do you think demonetization has

15 If yes how it affects you?

How the demonetisation affects

Whom do you think the move has

Does the demonetization change in

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