Title: IMPACT OF FINANCIAL INCLUSION ON INVESTMENT PATTERNS: A STUDY OF WOMEN EMPLOYEES IN TELANGANA
Author: S. Bindusree and Dr. A. Pravallika
Abstract:

This study examines the level of financial inclusion, awareness of financial products, and investment decisions among women employees in Telangana, with a focus on socio-economic factors such as age, education, and type of employment. Younger respondents exhibit higher financial inclusion, though age is not statistically significant. The study also found a wide gap in awareness between traditional and modern financial products, with respondents being more familiar with savings accounts, insurance, and gold, while lacking knowledge about shares, mutual funds, and derivatives. Investment behaviour is positively associated with financial inclusion, indicating that those with diversified investments tend to have better financial access. The study highlights the need for targeted financial literacy programs and policy support to promote broader and more inclusive financial participation.

Keywords: Financial Inclusion, Investment Decisions, Financial Products
DOI: https://doi.org/10.38193/IJRCMS.2025.7612
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Date of Publication: 16-11-2025
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Published Vol & Issue: Volume 7 Issue 6 Nov-Dec 2025