International Journal on Science and Technology

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Role of Financial Literacy in Fund Management Among Indian Secondary and Higher Secondary School Students: A Primary Study

Author(s) Ayaan Goel
Country India
Abstract This study examines the role of financial literacy in fund management among Indian secondary school students through a primary research approach. The research evaluates the current level of financial literacy, investigates its influence on students’ budgeting and fund management abilities, and identifies key factors affecting financial decision-making. Survey data reveal that financial literacy among Indian secondary students is moderate, with notable differences based on gender, academic stream, and socioeconomic status. Female students and those in commerce streams exhibit higher financial literacy, while frequent family discussions about finances are linked to improved knowledge. Despite the presence of financial education programs, traditional classroom instruction shows limited effectiveness in fostering lasting behavioural change. Experiential learning and parental involvement emerge as significant contributors to financial competence. The findings highlight the need for more interactive, practical financial education in school curricula and policy measures that integrate experiential activities and teacher training. Improving financial literacy at the secondary level is essential for equipping students to make informed financial decisions, achieve personal financial stability, and contribute to broader economic well-being.
Keywords financial literacy, fund management, Indian students, secondary education, budgeting, financial decision-making, experiential learning, financial education, socio-economic factors, gender differences
Field Sociology > Data / Information / Statistics
Published In Volume 16, Issue 2, April-June 2025
Published On 2025-05-13
DOI https://doi.org/10.71097/IJSAT.v16.i2.5037
Short DOI https://doi.org/g9kc57
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