Effect of Inflation on Household Savings and Investment Patterns in Maharashtra

Author(s)	Dr. Vinod P. Bhoskar, Dr. Purushottam B. Pilgulwar
Country	India
Abstract	This study examines the Effect of Inflation on Household Savings and Investment Patterns in Maharashtra over the past decade. Inflation significantly influences household financial behavior by affecting real savings, investment choices, and purchasing power. Rising inflation reduces the value of money, leading households to shift from traditional savings instruments to alternative assets such as gold, real estate, and equity markets. The study explores how inflationary pressures impact both urban and rural households differently, with urban populations favoring market-based investments and rural households relying on traditional assets. Additionally, it highlights the challenges inflation poses to long-term financial planning and economic stability. Using secondary data, the research analyzes trends in savings, investments, and inflation in Maharashtra, offering insights into financial strategies adopted by households. The findings emphasize the importance of financial literacy, policy interventions, and inflation control measures to protect household savings and promote sustainable economic growth.
Published In	Conference / Special Issue (Volume 7 \| Issue 3) - Two Day International Conference on Commerce & Economics (ICCE-2025) (May 2025)
Published On	2025-05-10

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