Authors : Dr. V. L. Lavanya; Shimjith Moolayil

Volume/Issue : Volume 10 - 2025, Issue 12 - December

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DOI : https://doi.org/10.38124/ijisrt/25dec233

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Abstract : In today's digital era, financial literacy is vital for enabling individuals to make well-informed financial choices. As more women enter the workforce and the significance of digital financial services rises, it becomes crucial to assess the digital financial literacy levels among working women. In India, where women make up 46 percent of the population, many face limitations in opportunities and rights due to financial dependency. This research investigates the financial literacy and awareness of financial services among women in Vatakara city. Utilizing a descriptive research design, primary data was gathered from 120 working women, revealing that the majority of participants are young, educated, and have a moderate understanding of financial tasks and products. The findings indicate a positive correlation between age and income with financial literacy awareness among employed women, as younger women in the active age group demonstrate a strong interest in learning about new financial services and products. Income significantly impacts financial literacy, affecting investment choices. Overall, women show a favourable understanding of financial products, suggesting that while there is room for improvement, respondents have a satisfactory grasp of these financial offerings.

Keywords : Financial Inclusion, Financial Literacy, Women Empowerment, Investment Decision, Financial Awareness, Financial Products.

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