• Mrs.M. Jayanthi
• Mrs.J.Linda Silvya

Abstract: Since the past 10 years we are using the word digital India. Our country taking major steps to develop sports, science and education, economic fields. The fact is the growth rate of economic standards through the industries and the internal trading systems. We adopted CIS environment everywhere in our country. Our people getting a knowledge from the government guidelines and other online platforms. Finance is playing a live role in everyone of the world. Global Trading is bringing up the nation’s development. The financial literacy is to be educated by our RBI and the SEBI through the way of awareness programmes, seminars and associated with some more regional investors. The real thing is the effective and the out come of this literacy result is very low. Our Reserve bank of India is established the NCFE (National centre of Financial Education). Especially SEBI is promoting the financial education through the investors. My study is in Indian scenario different types of people and income class groups are here. The investment modes and channels are more. The middle-class people intelligence is getting the decision-making investment from the NCEF system. The Indian investor taking decision to invest the capital markets through SEBI the connecting and the understanding and knowledge to address the products by the way of guidelines. The insufficient knowledge about the financial literacy is leading a bad decision making may cause a major issue. So, the investor needs proper education or literacy knowledge about money market and capital markets and the corporate finance business fiancé and premium risk business finance. Our government and the RBI and SEBI are taking a step to improve the gap between the investor and the products. The improvement of financial literacy educated to the people through retirement benefits and deposits, zero coupon and the call money and treasury bills, equity and preference shares, and debentures (short term and the long-term Sources). The corporate companies risk management and their cost of debt (K, Ke, Kp, Kr, Kd, Ka, Kd) and their dividend policies must be educated to the people with good understanding knowledge. This study reveals the bridge between the investors and the capital markets creates the cry out of the insufficient knowledge. This study will discuss the realistic approach and the tailored approach and over confidence in the capital market investor’s decision making of their financial and future investment. In 2015 NCFE had taken a survey about the financial literacy around the country. The result was a less percentage of financial literacy in our country. So our India must take major steps to educate the financial concepts to the investors through difference modes. K- Cost of Debt, Ke- Cost of Equity, Kr – Retained earnings, Ka-Cost of Debt after Tax. Kd- Cost of debt before tax

Key Words: Financial literacy, India, RBI, NCFE, SEBI

"The Financial Investment Awareness towards rural area in Coimbatore City", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.11, Issue 2, page no.g112-g116, February-2024, Available :http://www.jetir.org/papers/JETIR2402615.pdf

"The Financial Investment Awareness towards rural area in Coimbatore City", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.11, Issue 2, page no. ppg112-g116, February-2024, Available at : http://www.jetir.org/papers/JETIR2402615.pdf