A Study on Financial Literacy and Investment Behaviour of Corporate Employees in Belagavi City

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Mr. Ravi Chavan; Om Rajan Pagade; Mr. Laxman Pawar

A Study on Financial Literacy and Investment Behaviour of Corporate Employees in Belagavi City

Authors: Mr. Ravi Chavan, Om Rajan Pagade, Mr. Laxman Pawar

Unique Paper ID: 179775
Volume: 11
Issue: 12
PageNo: 8644-8648

Keywords: No Keywords Found

Abstract:
This study titled "A Study on Financial Literacy and Investment Behaviour of Corporate Employees" investigates the financial knowledge and investment patterns of corporate employees in Belagavi city. Financial literacy is essential in guiding informed financial decision-making, influencing savings habits, risk preferences, and long-term financial security. The research employs a descriptive design using stratified random sampling, collecting both primary data through structured questionnaires and secondary data from financial literature. Data analysis using SPSS and Excel reveals that while most employees exhibit moderate financial literacy, there is limited engagement in advanced investment strategies. Preferred investment avenues include low-to-moderate-risk options like fixed deposits, mutual funds, and gold, whereas high-risk instruments like equities remain underutilized. Challenges identified include limited financial advisory services, high expenses, time constraints, and fear of fraud. The study concludes that enhancing financial education, promoting investment diversification, and integrating digital financial tools can significantly improve the financial behaviour and well-being of corporate employees. These measures not only benefit individuals but also contribute to the broader economic resilience of the corporate sector.

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ISSN: 2349-6002
Volume: 11
Issue: 12
PageNo: 8644-8648

A Study on Financial Literacy and Investment Behaviour of Corporate Employees in Belagavi City

Available:https://ijirt.org/article?manuscript=179775

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