International Journal For Multidisciplinary Research

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

A Widely Indexed Open Access Peer Reviewed Multidisciplinary Bi-monthly Scholarly International Journal

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Sectoral Differences in Financial Behaviour among Working Professionals: A Systematic Review

Author(s) Dr. Ravinder Singh, Dr. Manju Singla
Country India
Abstract Financial behaviour—encompassing savings propensity, investment instrument selection, debt management, and retirement planning—varies systematically across employment sectors, yet the mechanisms underlying these differences remain incompletely theorised. This paper presents a systematic review of empirical and theoretical literature published between 2001 and 2024 to examine how sector of employment shapes the financial behaviour of working professionals. Drawing on human capital theory, the life-cycle hypothesis, and institutional theory, we identify five primary drivers of sectoral financial behaviour differentials: (1) compensation structure and income volatility, (2) employer-sponsored benefit architecture, (3) occupational prestige and financial socialisation, (4) job security and contract type, and (5) sector-specific financial literacy acquisition. The review synthesises evidence from the public, private, banking and finance, information technology, healthcare, and manufacturing sectors across developed and emerging economies. A comparative summary framework is developed, and key research gaps are identified, including the near-total absence of cross-sectoral comparative designs and the neglect of India and other large emerging economies. A structured research agenda and practical implications for employers, financial planners, and policymakers are offered.
Keywords Financial Behaviour; Sectoral Differences; Working Professionals; Investment Behaviour; Savings; Retirement Planning; Occupational Finance; Behavioural Finance; India; Emerging Economies
Field Sociology > Administration / Law / Management
Published In Volume 8, Issue 2, March-April 2026
Published On 2026-04-03
DOI https://doi.org/10.36948/ijfmr.2026.v08i02.73289
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