• Ms. Sonam Pandey

This research paper explores the level of financial literacy among Generation Z (Gen Z) residing in Mumbai. As digital natives, Gen Z faces a rapidly evolving financial environment influenced by technology, online payments, credit accessibility, and investment platforms. The study examines their understanding of key financial concepts such as budgeting, saving, interest rates, credit management, and investments. Using primary data collected from 100 respondents through structured questionnaires, the research provides insights into financial behaviour, spending habits, and the role of digital finance. Findings reveal moderate financial awareness with strong familiarity in digital payments but significant gaps in financial planning, loan concepts, and long-term investments. The study concludes with actionable suggestions to improve financial literacy through education, awareness programs, and digital learning tools.

FINANCIAL LITERACY AMONG GEN Z IN MUMBAI

"FINANCIAL LITERACY AMONG GEN Z IN MUMBAI", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.13, Issue 1, page no.85-88, January-2026, Available :http://www.jetir.org/papers/JETIRHH06013.pdf

"FINANCIAL LITERACY AMONG GEN Z IN MUMBAI", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.13, Issue 1, page no. pp85-88, January-2026, Available at : http://www.jetir.org/papers/JETIRHH06013.pdf