Financial Literacy among Gen-Z of India

Abstract

Financial literacy has quickly become one of the most important practical skills young people need today. As financial products grow more complex and digital banking becomes part of everyday life, knowing how to save, invest, and spend wisely is no longer a bonus – it is a necessity. This is especially true for Generation Z, a cohort that is stepping into financial independence at a time when the options available to them are wider and more complicated than ever before.

This study surveys 100 Generation Z respondents across India to understand where their financial knowledge currently stands and how ready they feel to start investing. Using a descriptive research design and a structured questionnaire, the study captures attitudes, awareness levels, and behavioural patterns around money management. The findings point clearly to one central takeaway: financial education needs to go deeper, become more practical, and reach young people before they are forced to learn through costly mistakes.