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Published Paper Details:
Does Investment Literacy Matter? An Empirical Analysis of Its Impact on Investment Avenues
Authors
Jatin Passi,Dr. Apar Singh
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Keywords
Investment Literacy, Investment Avenues, Financial Inclusion, Financial Literacy
Abstract
This study has been undertaken to investigate the association between investment literacy and investment avenues. For this purpose shares, mutual funds, bonds, fixed deposits, national pension scheme, public provident fund, senior citizen saving scheme is considered as investment avenues related to financial market and their relationship with investment literacy is studied. The sample for the study was 434 retail investors from the north region of India. Data was collected using questionnaire consisted 15 questions. The first category comprised questions in which respondents gave answer related to their holding in shares, mutual funds, bonds, fixed deposits, national pension scheme, public provident fund, senior citizen saving scheme. The second category comprised of 8 multiple choice questions which tested the retail investors knowledge in areas of basic investment calculations, their understanding of financial markets and products, and their knowledge of risk and diversification. Descriptive analysis and Chi-Square was used to find out the Association between investment avenues and investment literacy. The findings showed that nvestment literacy does not uniformly determine the selection of investment avenues among respondents. For most financial products examined--including mutual funds, bonds, Public Provident Fund (PPF), National Pension Scheme (NPS), and the Senior Citizen Saving Scheme (SCSS)--the association with investment literacy was found to be statistically insignificant. This indicates that individuals with below average, moderate, and high literacy levels participate in these instruments at relatively similar rates. In other words, higher financial knowledge does not necessarily translate into greater adoption of these specific products. The one exception to this trend was observed in the case of fixed deposits.
IJCRT's Publication Details
Unique Identification Number - IJCRT2509316
Paper ID - 293555
Author type - Indian Author
Page Number(s) - c760-c770
Pubished in - Volume 13 | Issue 9 | September 2025
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No Of Downloads - 28
Author Country - India, 147002, Patiala, Patiala, 147002, Management All
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Jatin Passi,Dr. Apar Singh, "Does Investment Literacy Matter? An Empirical Analysis of Its Impact on Investment Avenues", International Journal of Creative Research Thoughts (IJCRT), ISSN:2320-2882, Volume.13, Issue 9, pp.c760-c770, September 2025, Available at :http://www.ijcrt.org/papers/IJCRT2509316.pdf
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