• Shihab
• P U Mohammed Hameer
• Favas A
• Muhammed Fardheen K

The financial behavior of salaried employees plays a crucial role in shaping the economic landscape of any region. This study explores the savings and investment patterns of salaried employees in Wayanad District, focusing on the factors influencing their financial decisions, preferred investment avenues, and the relationship between demographic factors and financial behavior. The research is based on a comprehensive survey of 100 salaried individuals, analyzing their income levels, savings habits, investment preferences, and financial literacy. The findings reveal that income levels, financial literacy, family influence, and economic conditions significantly impact savings and investment decisions. Traditional investment options like fixed deposits and public provident funds remain popular, while modern investments such as mutual funds and cryptocurrencies are gaining traction, particularly among younger employees. The study underscores the need for financial literacy programs and customized investment products to enhance financial decision-making among salaried employees.

Savings behavior, Investment patterns, financial literacy, Demographic factors, Wayanad District

"Understanding Savings and Investment Patterns of Salaried Employees in Wayanad District", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 3, page no.d801-d803, March-2025, Available :http://www.jetir.org/papers/JETIR2503390.pdf

"Understanding Savings and Investment Patterns of Salaried Employees in Wayanad District", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 3, page no. ppd801-d803, March-2025, Available at : http://www.jetir.org/papers/JETIR2503390.pdf