A Study on Financial Behaviour and Literacy among Employed Youth in Alwal

Y. Anjani Kumari

Abstract: The study examines the financial behaviour and literacy levels of employed youth in Alwal, a rapidly developing suburban area of Hyderabad. The purpose of my study is to assess how young earners manage their income, spending, saving, and investment decisions in a digitally transforming financial environment. A total of 100 employed youth respondents were surveyed through a structured questionnaire covering aspects such as financial awareness, saving habits, investment preferences, digital payment adoption, and credit usage. By elucidating the association between financial knowledge and responsible financial practices, this study furnishes substantive recommendations for policymakers, educators, and leaders in the community. These findings may serve as the foundation for the formulation of targeted interventions aimed at enhancing financial literacy, thereby strengthening economic security and self-sufficiency among employed youth in Alwal. The results affirm that continuous financial education is indispensable in preparing young professionals to make informed financial decisions and achieve sustained financial well-being. The study concludes that although employed youth in Alwal are digitally empowered and financially active, their overall financial planning and literacy remain inadequate. It recommends integrating financial literacy programs into workplaces and educational institutions, encouraging responsible digital finance usage, and promoting structured saving and investment behaviour for sustainable financial well-being.

Keywords: Financial Literacy, Youth Behaviour, Digital Payments, Saving and Investment, Alwal, Gen Z

How to Cite?: Y. Anjani Kumari, "A Study on Financial Behaviour and Literacy among Employed Youth in Alwal", Volume 14 Issue 11, November 2025, International Journal of Science and Research (IJSR), Pages: 1048-1051, https://www.ijsr.net/getabstract.php?paperid=SR251113111405, DOI: https://dx.doi.org/10.21275/SR251113111405