• VAISHALI SINGH
• PROF. R.K. SINGH

According to the findings, taking into account people’s gender is a crucial factor in determining their level of financial literacy. Various studies, which are in line with what has been found in the relevant research, male UOA students have a greater financial awareness than their female counterparts. This may be due to the fact that male students, on average, are the ones who have less fear of engaging in financial commitments like borrowing from informal financial institutions. This may be the reason why male students make up a larger percentage of the student population. Because of this, during the process they are able to get understanding regarding finances. In a similar line, it was discovered that the respondents' primary areas of academic interest were crucial factors in influencing the level of financial literacy among UOA students. On the other hand, researchers discovered that one's place of residence had a lot of bearing on their overall level of financial literacy. There was also not a significant correlation established between the pupils' ages and the level of financial literacy that they possessed. It's possible that this is because the pupils, on average, are all of the same age group, and there isn't much of a range when it comes to their ages. The Ministry of Education and Training should seriously consider including financial education as a core subject in the curricula of secondary schools, middle schools, and higher education institutions in order to close the gap in the levels of students' financial literacy that exists between male and female students. In addition to enhancing the financial literacy of students at the University of Allahabad, this would also, in the long term, lead to a financially literate nation, a state that might encourage a financially productive climate on a macro level.

Financial literacy, Questionnaire, Stratified sampling, Students, University of Allahabad.

"ASSESSMENT OF FACTORS AFFECTING FINANCIAL LITERACY: A STUDY ON THE STUDENTS OF ALLAHABAD UNIVERSITY", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.10, Issue 3, page no.a475-a481, March-2023, Available :http://www.jetir.org/papers/JETIR2303061.pdf

"ASSESSMENT OF FACTORS AFFECTING FINANCIAL LITERACY: A STUDY ON THE STUDENTS OF ALLAHABAD UNIVERSITY", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.10, Issue 3, page no. ppa475-a481, March-2023, Available at : http://www.jetir.org/papers/JETIR2303061.pdf