• Mrs.M.Kamarunisha
• Dheepthi D

The paper examines the extent of financial literacy levels across states, sectors, educational levels, and income groups. The paper also evaluates the relationship between financial literacy and saving/investment behaviour, and analyses the determining factors of financial literacy in India. For that, we use the National Sample Survey (NSS) 77th round of unit-level data of ‘All India Debt & Investment Survey (november 2024- march 2025)’. The result shows that 33 per cent and 29 per cent of the rural and urban population respectively do not have any bank account, credit/debit card and e-wallet. It also highlights that Assam, Bihar, Manipur, Nagaland, and Uttar Pradesh need to catch up with the other states and the national average. Logit regression result indicates that education level, income and self-employed workers are the important factors for determining financial literacy in India.

Financial Literacy, Saving, services ,Investment

"A study on financial literacy on postal service with special reference to Perambalur district", International Journal of Emerging Technologies and Innovative Research (www.jetir.org), ISSN:2349-5162, Vol.12, Issue 4, page no.j146-j218, April-2025, Available :http://www.jetir.org/papers/JETIRTHE2188.pdf

"A study on financial literacy on postal service with special reference to Perambalur district", International Journal of Emerging Technologies and Innovative Research (www.jetir.org | UGC and issn Approved), ISSN:2349-5162, Vol.12, Issue 4, page no. ppj146-j218, April-2025, Available at : http://www.jetir.org/papers/JETIRTHE2188.pdf