• GARIMA KOHLI
• AMISHA GUPTA

Finance is important for mobilizing any economy. Government across the world strives to provide access to finance to the individuals. Financial Literacy is the first step towards achieving financial inclusion. It is an important adjunct for promoting financial inclusion, financial development and ultimately financial stability. Financial Inclusion is a drive towards attaining inclusive growth and sustainable development and plays a major role in driving away the poverty from the country. Thus the main aim of financial Inclusion is to deliver and spread awareness regarding banking and financial services at affordable costs to the unbanked and low income sections of society so as to unlock their savings and investment potential. The government of India (GOI), Reserve Bank of India (RBI) and financial institutions has been taking proactive actions for providing formal banking services to vast section of people in India. Recently the government of India (GOI), has launched the ‘Pradhan Mantri Jan DhanYojana’ (PMJDY), with a purpose of removing financial untouchability and providing universal access to banking services with at least one necessary banking account for every family, financial literacy, right to use to credit, insurance and pension by providing formal banking services to the poor. In this paper, researcher attempts to study the factors responsible for financial literacy, financial awareness and financial inclusion. The study is based on descriptive and exploratory style using both secondary and primary data. The primary data is collected with the help of interview conducted among the rural households in Jammu. 100 respondents are randomly selected from different villages by using simple random sampling. ANOVA is used for the purpose for analyzing the data. The result of the survey shows that there exists a positive relationship on gender, qualification and occupation with respect to Financial literacy and Financial awareness.

Financial inclusion, Financial literacy, Financial awareness, Banking services, Government of India.

"IMPACT OF FINANCIAL LITERACY, FINANCIAL AWARENESS AND FINANCIAL INCLUSION IN JAMMU", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.5, Issue 11, page no.173-178, November-2018, Available :http://www.jetir.org/papers/JETIR1811029.pdf

"IMPACT OF FINANCIAL LITERACY, FINANCIAL AWARENESS AND FINANCIAL INCLUSION IN JAMMU", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.5, Issue 11, page no. pp173-178, November-2018, Available at : http://www.jetir.org/papers/JETIR1811029.pdf