Financial Literacy and Investment Behaviour Among Post Graduate Students: Evidence from Bengaluru, India

The rapid expansion of digital investment platforms has fundamentally transformed financial decision-making for young adults. This study examines the impact of financial literacy on the investment behaviour of 122 post graduate students in Bengaluru, India. Using a structured questionnaire with a Five-Point Likert Scale and analysed through IBM SPSS (Descriptive Statistics, One-Sample T-Test, One-Way ANOVA, and Pearson’s Correlation), the findings reveal a significant positive relationship between financial literacy and investment behaviour (r = 0.333, p = 0.0004). Commerce and Management students demonstrate the highest financial literacy and investment activity. Investment planning emerges as the strongest predictor of active participation (r = 0.412), while peer influence and social media significantly drive impulsive decisions. Notably, financial literacy alone does not guarantee active investment participation, as practical and behavioural barriers persist.