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@article{187437,
        author = {Dr. PRATHEEP K},
        title = {A Study on Financial Literacy and Investment Behavior among Young Working Professionals in Kerala},
        journal = {International Journal of Innovative Research in Technology},
        year = {2025},
        volume = {12},
        number = {6},
        pages = {5376-5378},
        issn = {2349-6002},
        url = {https://ijirt.org/article?manuscript=187437},
        abstract = {Financial literacy-the capacity to comprehend and manage financial matters-has become an indispensable skill in the age of digital banking and globalized investment options.  This study investigates how financial literacy influences the investment behavior of young working professionals in Kerala. Primary data were gathered from 150 respondents in Thiruvananthapuram, Ernakulam, and Kozhikode. Descriptive, correlation, and regression analyses were used to examine the relationship between literacy levels and investment choices.  Results indicate moderate financial literacy, strong budgeting discipline, but limited understanding of diversification and long-term planning. Regression findings show a significant positive relationship between literacy and prudent investment decisions. The paper concludes that structured financial-education programs, workplace initiatives, and digital-awareness campaigns are necessary to enhance the financial well-being of Kerala’s young professionals},
        keywords = {Financial literacy, investment behavior, young professionals, Kerala, behavioral finance, financial education.},
        month = {November},
        }