Saving is an IMPORTANT decision that affects both present and future consumption. A decision to spend now or save is really a choice of when to spend –now or in future. If a household decides to save in present it affects his current spending level. Household investors can play important role in financial MARKET because they have big share in gross savings of the country. The aim of this paper is to examine the saving and INVESTMENT behaviour of rural people in India. The reason behind choosing this research TOPIC is that near about 70% population of India lives in rural area .People of villages suppose to be miser, where as people living in metro cities or cities are more spending. Rural investors are different from their urban counterparts. This could be because of lack of information, LESS financially availability and lack of employment opportunities or sources of earning. Our government, banking institutions and financial institutions are making plans and programmes to promote saving and investment habits among rural people. Although many other researches have been conducted on this topic. Still this will help us to understand the vision of urban and rural people towards saving habits. A pool of 150 randomly selected samples were used as sample to examine objectives of this paper .This paper has been conducted to answer few important questions on preference of the investment instruments and investment pattern of rural people