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Stream/Area:
-
Subject:
-
Paper ID:
IJSREM66589
Volume:
10 |
8 |
Aug 2026
Pages:
1-11
Publication Frequency:
Monthly (12 issues per year)
License:International Journal of Scientific Research in Engineering and Management follows the Creative Commons Attribution 4.0 (CC BY 4.0) License, allowing free use and distribution with proper attribution.
School of Management and commerce
Sapthagiri NPS University
School of Management and commerce
Sapthagiri NPS University
In this study the authors have taken financial literacy of young adults of Bangalore and their investment decisions. Today, knowledge of money is essential and having it managed will also contribute to sustain one's life. The study adopts descriptive research design; the population is determined by the use of a structured questionnaire from which a total of 150 young adults (population) data will be collected. Statisticians used analytical tools such as percentage analysis, mean, standard deviation and Chi-square test to analyze the data. The study results indicate that majority of the young adults lack awareness of personal finance and they would like to see an investment opportunity that has lower risks or simply do not wish to invest at all such as in a Fixed Deposit. The study reveals there is strong association between investment decisions and financial literacy. The overall participation in the advanced type of investment (mutual funds and SIPs) is still not high as some respondents who got a higher financial literacy score had invested in such schemes. The researchers found that being more financially knowledgeable and digitally literate, young adults were able to more effectively plan and undertake long term investment and financing.
KEYWORDS
The survey revealed that though Bangalore's young population are tech-savvy they have a relatively low level of financial literacy. A difference of such magnitude encourages people not to use the market – or at least to take a playing ride. By increasing people's literacy rates, a more diverse and active market involvement will be achieved. Financial education can be useful to give younger people greater financial literacy for better investment participation and their long-term financial security.
Anish, K. (2025). Financial literacy among Indian youth. International Journal of Students’ Research and Development, 8(5). Bala, R., & Jayanti, N. (2025). Financial literacy and its influence on youth investment decisions. Asian Commerce Review Journal, 15(2), 45–59. Gaur, P., Tandon, P., Singh, A. B., & Yadav, N. (2025). How youth’s financial literacy influences their financial inclusion. Indian Journal of Finance, 19(7), 8–24. Patel, M. (2025). Role of fintech adoption in enhancing financial literacy among young Indian investors. International Journal of Digital Finance, 4(3), 120–134. Fernandes, D., Lynch, J. G., & Netemeyer, R. G. (2025). The combined effect of financial education and digital platforms on youth financial decision-making. Journal of Consumer Research, 51(2), 210–228. Nair, V., & Sahoo, P. (2025). Financial literacy and fintech adoption among young investors in India. Research Paper, Indian Institute of Management Bangalore. Rajan, P., & Pillai, S. (2025). Digital financial literacy and investment behaviour of urban youth. Research Paper, National Institute of Financial Management. Menon, A., & Shah, R. (2025). Youth financial awareness and investment participation in metropolitan cities. Research Paper, Indian Institute of Finance.
Publication Date
8/7/2026
Peer Review Type
Double-Blind Peer Review
Review Rounds: 2
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Conflict of Interest
The authors declare no conflict of interest related to this research work.
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