• Arindam Das
• Ankit Sanyal

Financial literacy refers to an individual's capability to learn and efficiently use financial skills like budgeting, investment, and management of personal finance. If there is lack of these skills, then it is known as financial illiteracy. Financial literacy helps in making informed and effective decisions about financial resources. Now, coming to personal finance, it is a term that includes managing an individual’s money, investing as well as saving. It covers banking, budgeting, mortgages, insurance, investments, retirement planning, estate and tax planning. All of these depend on an individual’s living requirements, income, expenses, and their desires, and goals. Therefore, it is necessary to come up with a plan to fulfill the needs and goals within the financial constraints.

FACTORS INFLUENCING PERSONAL FINANCE LITERACY AMONG GRADUATING STUDENTS IN INDIA

"FACTORS INFLUENCING PERSONAL FINANCE LITERACY AMONG GRADUATING STUDENTS IN INDIA ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.8, Issue 7, page no.f895-f943, July-2021, Available :http://www.jetir.org/papers/JETIR2107721.pdf

"FACTORS INFLUENCING PERSONAL FINANCE LITERACY AMONG GRADUATING STUDENTS IN INDIA ", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.8, Issue 7, page no. ppf895-f943, July-2021, Available at : http://www.jetir.org/papers/JETIR2107721.pdf