Published Paper Details:

This research paper examines the economic stability and overall quality of life of Branch Postmasters (BPMs) in the Manjeri Division, focusing on their income levels, financial challenges, and the effect of these factors on their quality of life. The research aims to measure both the income adequacy and the key economic difficulties faced by the branch postmasters, with a particular focus on understanding how these challenges affect their overall well-being. Data was collected from 55 BPMs through structured telephonic interviews, covering various dimensions such as demographic details, employment information, financial stability, economic challenges, and overall quality of life. The analysis used SPSS and MS Excel to apply statistical tools including mean, percentage, correlation, regression, and ANOVA. The study shows that most BPMs earn between INR 10,001 and 15,000 monthly. Despite homeownership, many postmasters report insufficient savings and high levels of debt, with significant amounts of their income allocated to essential expenses and transportation costs. The regression analysis shows that monthly income is significantly affected by factors such as essential expenses, bonuses, and additional costs like electricity bills. These findings underscore the hypothesis that the current salary of BPMs is insufficient to meet their basic needs. Also, the study identifies key quality-of-life determinants, including savings, outstanding loans, overtime work, leave availability, access to affordable healthcare, and adequate washroom facilities. It uncovers that insufficient savings and loan burdens negatively impact the quality of life, while access to healthcare and proper washroom facilities contribute positively. The regression model explains about 89.6% of the variance in quality of life, highlighting the substantial effect of these factors on BPM's overall well-being. This research underlines the urgent need for policy interventions to improve the financial and working conditions of Branch Postmasters. Improving salary structures, providing better job benefits, and addressing critical issues such as savings opportunities, healthcare access, and work-life balance could significantly improve their economic stability and quality of life. The findings contribute valuable insights into the challenges faced by BPMs and suggest actionable steps for policymakers to support these crucial employees.