International Journal For Multidisciplinary Research

E-ISSN: 2582-2160   •   Impact Factor: 9.24

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Volume 7 Issue 4
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Financial Literacy in Kangra District- A Comparison between Urban and Rural Women

Author(s) Anchal Gupta, Dr. Vijay Kumar Sharma
Country India
Abstract Gender equality, economic empowerment, and family well-being are all significantly influenced by women's financial literacy. Despite advancements, a large number of women worldwide—particularly in developing nations—continue to be financially excluded or reliant because they lack knowledge, access, or confidence in financial matters. Due to lack of financial knowledge, women are incapable of managing personal finances, which not only affects the household but the whole economy suffers. Financial literacy is crucial in both urban and rural areas, although its impact and usage may vary due to difference in socio-economic conditions. With proper knowledge of banking, savings, credit and investment tools, women can effectively manage day to day household expenses, do better savings, reduce debt, prepare for emergencies and make sound investment choices. The present study is an attempt to find out the level of financial literacy among women living in Kangra district of Himachal Pradesh. The research provides a comparative analysis of women living in urban and rural areas of the district. The study is based on primary data and includes a sample of total 200 women from the district - 100 respondents each from urban and rural areas. The respondents were asked about basic financial products, services and schemes to determine their financial awareness through a structured questionnaire.
Keywords financial knowledge, personal finance, sound investment, financial risks.
Published In Volume 7, Issue 4, July-August 2025
Published On 2025-07-05
DOI https://doi.org/10.36948/ijfmr.2025.v07i04.50199
Short DOI https://doi.org/g9s9dh
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